GS The Goldman Sachs Group, Inc. - Fundamental Analysis
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GS Stock | Fundamental Analysis & Investment Insights
NYSE
Financial Services
Capital Markets
Current Price
Live
$962.0
Analyst Target
$922.15
-4.1%
Downside
52W High
$984.7
52W Low
$439.38
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 17, 2026
Market cap
$291.22B
P/E
19.56
ROE
13.9%
Profit margin
28.9%
Debt/Equity
5.29
Dividend yield
1.64%
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
72%
Analysis Accuracy
The Advanced Deterministic Scorecard reveals a weak Piotroski F-Score of 2/9, indicating poor financial health, while the absence of an Altman Z-Score prevents a full distress risk assessment. Despite strong profitability metrics like an ROE of 13.88% and robust earnings growth of 27.7% YoY, high leverage (Debt/Equity: 5.29) and bearish insider activity weigh on stability. Valuation is stretched relative to Graham’s defensive benchmark ($629.23) but supported by growth expectations (Intrinsic Value: $1450.81), with shares trading near analyst consensus target of $922.15. Technical trend is weak (10/100), yet price momentum remains strong over 1Y (+60.1%), creating a mixed outlook.
Key Strengths
Exceptional profitability with gross margin at 82.88%, operating margin at 35.76%, and profit margin at 28.92%
Strong year-over-year earnings growth of 27.7% and revenue growth of 15.20%
Consistently beats earnings estimates, with 3 out of last 4 quarters exceeding expectations and an average surprise of 14.32%
Attractive dividend profile with a sustainable payout ratio of 26.41% and yield of 1.64%
Market leadership in capital markets with large market cap of $291.22B and strong brand positioning
Key Risks
Very low Piotroski F-Score of 2/9 signals significant financial statement weaknesses
Extremely high Debt/Equity ratio of 5.29, far above sector average of 1.05, increasing financial risk
Bearish insider sentiment with $28.11M in net insider selling over the last 6 months
Technical trend is deeply bearish at 10/100 despite strong price performance, suggesting potential reversal risk
Valuation premium: current price of $962.00 is 52.6% above Graham Number of $629.23, demanding perfect execution
AI Fair Value Estimate
Based on comprehensive analysis
$1200.0
+24.7% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
54
Moderate
45
70
65
30
60
AI Verdict
Neutral with upside risk if execution improves and leverage is reduced
Key drivers: High profitability and growth, Weak financial health per Piotroski, Rich valuation relative to Graham, Bearish insider activity, Solid earnings momentum
Confidence
75%
Value
45/100
Ref P/E, PEG, Graham Number
Positives
- Forward P/E of 14.92 is below trailing P/E of 19.56, suggesting earnings growth expectations are priced in
- P/E of 19.56 is below sector average of 24.45
Watchpoints
- Current price ($962.00) is significantly above Graham Number ($629.23)
- Price/Book of 2.69 is high for a financial firm with elevated leverage
Future
70/100
Ref Growth rates
Positives
- Revenue growth of 15.20% YoY and earnings growth of 27.7% YoY
- Q/Q EPS growth of 14.4% indicates sustained momentum
- Forward P/E of 14.92 implies reasonable growth expectations
Watchpoints
- PEG Ratio is unavailable, limiting growth-adjusted valuation insight
Past
65/100
Ref Historical trends
Positives
- Long history of earnings beat streak, especially strong in 2020–2021 and recent quarters
- 5-year price return of +268.2% shows exceptional capital appreciation
Watchpoints
- Earnings misses in 2022–2023, including a -42.4% miss in Q1 2023
- Volatility in quarterly performance suggests cyclical or operational inconsistency
Health
30/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Current ratio of 2.79 and quick ratio of 2.20 indicate short-term liquidity strength
- ROE of 13.88% is above cost of equity and sector median
Watchpoints
- Piotroski F-Score of only 2/9 indicates widespread financial weakness
- Debt/Equity of 5.29 is extremely high vs sector avg of 1.05
- No Altman Z-Score available, creating blind spot in bankruptcy risk modeling
Dividend
60/100
Ref Yield, Payout
Positives
- Dividend yield of 1.64% is modest but above some peers
- Payout ratio of 26.41% is sustainable and leaves room for growth
Watchpoints
- Dividend Strength score is low at 25/100
- No 5-year average yield data, limiting trend analysis
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$962.0
Analyst Target
$922.15
Upside/Downside
-4.1%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for GS and closest competitors.
Updated 2026-01-16
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
GS
The Goldman Sachs Group, Inc.
Primary
|
+268.2% | +196.4% | +60.1% | +37.2% | +10.3% | +2.5% |
|
MS
Morgan Stanley
Peer
|
+195.8% | +115.6% | +43.1% | +36.0% | +8.2% | +1.5% |
|
WFC
Wells Fargo & Company
Peer
|
+203.9% | +116.7% | +18.9% | +10.8% | -4.5% | -7.9% |
|
AXP
American Express Company
Peer
|
+217.2% | +141.4% | +12.2% | +16.6% | -5.4% | -0.8% |
|
C
Citigroup Inc.
Peer
|
+121.6% | +161.7% | +54.5% | +27.9% | +5.9% | -2.7% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
19.56
Forward P/E
14.92
PEG Ratio
N/A
P/B Ratio
2.69
P/S Ratio
4.9
EV/Revenue
2.53
EV/EBITDA
N/A
Market Cap
$291.22B
Profitability
Profit margins and return metrics
Profit Margin
28.92%
Operating Margin
35.76%
Gross Margin
82.88%
ROE
13.88%
ROA
0.98%
Growth
Revenue and earnings growth rates
Revenue Growth
+15.2%
Earnings Growth
+17.3%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
+12.3%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
5.29
High debt
Current Ratio
2.79
Strong
Quick Ratio
2.2
Excellent
Cash/Share
$2674.27
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-13
$N/A
2026-01-15
$14.01
+19.1% surprise
2025-10-14
$12.25
+10.5% surprise
2025-07-16
$10.91
+13.4% surprise
Financial Services Sector Comparison
Comparing GS against 208 companies in the Financial Services sector
(5 bullish, 111 neutral, 92 bearish)
P/E Ratio
19.56
This Stock
vs
30.37
Sector Avg
-35.6%
(Discount)
Return on Equity (ROE)
13.88%
This Stock
vs
-7.62%
Sector Avg
-282.2%
(Below Avg)
Profit Margin
28.92%
This Stock
vs
82.75%
Sector Avg
-65.1%
(Weaker)
Debt to Equity
5.29
This Stock
vs
1.48
Sector Avg
+258.2%
(Higher)
Revenue Growth
15.2%
This Stock
vs
28.35%
Sector Avg
-46.4%
(Slower)
Current Ratio
2.79
This Stock
vs
3.81
Sector Avg
-26.6%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
GS
The Goldman Sachs Group, Inc.
|
NEUTRAL | $291.22B | 19.56 | 13.9% | 28.9% | $962.0 | |
|
MS
Morgan Stanley
|
NEUTRAL | $301.85B | 19.39 | 15.7% | 24.0% | $189.09 | |
|
WFC
Wells Fargo & Company
|
NEUTRAL | $277.43B | 14.12 | 11.7% | 26.7% | $88.38 | |
|
AXP
American Express Company
|
NEUTRAL | $251.69B | 24.69 | 33.9% | 16.1% | $361.69 | |
|
C
Citigroup Inc.
|
NEUTRAL | $211.2B | 16.89 | 6.8% | 18.9% | $118.04 |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2025-11-25 | ROGERS JOHN F W | Officer | Gift | 1,265 | - |
| 2025-08-28 | WALDRON JOHN E. | President | Sale | 18,244 | $13,688,552 |
| 2025-08-19 | SOLOMON DAVID M | Chief Executive Officer | Gift | 377 | - |
| 2025-08-13 | VINIAR DAVID A | Director | Gift | 3,425 | - |
| 2025-07-25 | COLEMAN DENIS P. | Chief Financial Officer | Sale | 7,463 | $5,406,214 |
| 2025-07-23 | ROGERS JOHN F W | Officer | Gift | 12,338 | - |
| 2025-07-23 | SOLOMON DAVID M | Chief Executive Officer | Sale | 6,608 | $4,706,944 |
| 2025-07-23 | ROGERS JOHN F W | Officer | Sale | 6,008 | $4,310,059 |
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
HOLD
20 analysts
Wells Fargo
2026-01-16
Overweight
Overweight
Keefe, Bruyette & Woods
2026-01-16
Market Perform
Market Perform
JP Morgan
2026-01-08
Neutral
Neutral
Barclays
2026-01-05
Overweight
Overweight
Keefe, Bruyette & Woods
2025-12-17
Market Perform
Market Perform
JP Morgan
2025-10-21
Overweight
Neutral
Freedom Capital Markets
2025-10-17
Sell
Hold
Keefe, Bruyette & Woods
2025-10-17
Market Perform
Market Perform
Citigroup
2025-10-16
Neutral
Neutral
Barclays
2025-10-15
Overweight
Overweight
Past News Coverage
Recent headlines mentioning GS from our newsroom.
Newest → oldest
No matching news yet.