Strong loan orientations in the middle …

• Credit orientations: 5.2 billion US dollars in the first quarter of 2025, an increase of 35% compared to the previous year.

• Adapted EBITDA: USD 36.4 million in the first quarter of 2025.

• Adapted net income: USD 21.6 million in the first quarter of 2025.

• Net sales: 198 million USD in the first quarter of 2025, compared to 232 million US dollars in the previous year.

• Net lust: 24 million US dollars, which are due to the guild in the first quarter of 2025.

• Profit for sales room: 376 basis points in Q1 2025.

• Servicing portfolio: Grew to 94 billion US dollars.

• Cash and cash equivalent: 112 million US dollars on March 31, 2025.

• Leverage: 1.6 -at the end of the quarter.

• Factual net book value per share: $ 15.77.

• Share buyback: Approximately 35,000 stocks that were bought back at an average price of $ 12.94 per share.

• Special money dividend: 0.50 USD per share that were declared and paid for for class A and B class A and class B and class B.

Appearance date: May 07, 2025

You can find the complete copy of the earnings call in the complete earnings call.

• Guild Holdings Co (NYSE: GLLD) achieved growth of origin by 35% compared to the previous year and reached $ 5.2 billion.

• The company reported a positive adjusted EBITDA of $ 36.4 million and an adjusted net profit of $ 21.6 million.

• The Guild Holdings Co (NYSE: GLLD) has more than doubled to his loan officer since the end of 2020, which has contributed to his growth strategy.

• The service portfolio was expanded to over 94 billion US dollars, which supports financial stability and the “Customers for Life” strategy.

• Guild Holdings Co (NYSE: GLLD) continues to benefit from the industry consolidation and complies with a strong brand presence that supports organic growth and market share profits.

• The net turnover decreased to $ 198 million compared to $ 232 million in the previous year and 373 million US dollars in the fourth quarter.

• The company reported a net loss of USD 24 million, which is due to Guild Holdings CO (NYSE: GLLD) compared to a net result of $ 28 million in the previous year.

• A downward evaluation adjustment of MSRS led to a loss of $ 70 million due to interest returns.

• The service segment reported a net loss of $ 5 million compared to a net result of $ 84 million in the previous year.

• The market conditions remain volatile and the company expects continued fluctuations and affects the overall financial performance.

Q: Can you explain the significant decline in amortization costs to the MSR and how it should be modeled in the future? A: Desiree Kramer, CFO: The decline in amortization effort is due to a lower pre-playment quarter over the quarter. The payments have dropped slightly and the price runs with the same value. The first release percentage was 40%, slightly higher and affected the total payment share of the portfolio.