GOLDMAN SACHS GROUP INC (GOS.DE) Stock Fundamental Analysis
Europe - FRA:GOS - US38141G1040 - Common Stock
669.2 EUR
+9.8 (+1.49%)
We assign a fundamental rating of 4 out of 10 to GOS. GOS was compared to 112 industry peers in the Capital Markets industry. While GOS is still in line with the averages on profitability rating, there are concerns on its financial health. GOS has a correct valuation and a medium growth rate. Finally GOS also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
GOS had positive earnings in the past year.
GOS had a negative operating cash flow in the past year.
GOS had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: GOS reported negative operating cash flow in multiple years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.83%, GOS is in line with its industry, outperforming 50.89% of the companies in the same industry.
Looking at the Return On Equity, with a value of 11.90%, GOS is in the better half of the industry, outperforming 66.07% of the companies in the same industry.
GOS has a Return On Invested Capital of 1.07%. This is comparable to the rest of the industry: GOS outperforms 52.68% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for GOS is significantly below the industry average of 8.46%.
The last Return On Invested Capital (1.07%) for GOS is above the 3 year average (0.90%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.83% | ||
| ROE | 11.9% | ||
| ROIC | 1.07% |
ROA(3y)0.68%
ROA(5y)0.85%
ROE(3y)9.01%
ROE(5y)11.11%
ROIC(3y)0.9%
ROIC(5y)1.18%
1.3 Margins
GOS's Profit Margin of 11.66% is in line compared to the rest of the industry. GOS outperforms 52.68% of its industry peers.
In the last couple of years the Profit Margin of GOS has declined.
GOS has a better Operating Margin (15.66%) than 61.61% of its industry peers.
GOS's Operating Margin has declined in the last couple of years.
GOS has a Gross Margin of 38.58%. This is comparable to the rest of the industry: GOS outperforms 59.82% of its industry peers.
In the last couple of years the Gross Margin of GOS has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.66% | ||
| PM (TTM) | 11.66% | ||
| GM | 38.58% |
OM growth 3Y-29.54%
OM growth 5Y-5.46%
PM growth 3Y-31.06%
PM growth 5Y-5.81%
GM growth 3Y-24.01%
GM growth 5Y-9.99%
2. Health
2.1 Basic Checks
GOS has less shares outstanding than it did 1 year ago.
GOS has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, GOS has a worse debt to assets ratio.
2.2 Solvency
A Debt/Equity ratio of 8.52 is on the high side and indicates that GOS has dependencies on debt financing.
GOS has a Debt to Equity ratio of 8.52. This is in the lower half of the industry: GOS underperforms 68.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 8.52 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
GOS has a Current Ratio of 0.30. This is a bad value and indicates that GOS is not financially healthy enough and could expect problems in meeting its short term obligations.
The Current ratio of GOS (0.30) is comparable to the rest of the industry.
A Quick Ratio of 0.30 indicates that GOS may have some problems paying its short term obligations.
GOS's Quick ratio of 0.30 is in line compared to the rest of the industry. GOS outperforms 43.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.3 | ||
| Quick Ratio | 0.3 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 45.68% over the past year.
Measured over the past years, GOS shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.07% on average per year.
Looking at the last year, GOS shows a small growth in Revenue. The Revenue has grown by 5.42% in the last year.
Measured over the past years, GOS shows a quite strong growth in Revenue. The Revenue has been growing by 18.23% on average per year.
EPS 1Y (TTM)45.68%
EPS 3Y-11.93%
EPS 5Y14.07%
EPS Q2Q%26.57%
Revenue 1Y (TTM)5.42%
Revenue growth 3Y24.97%
Revenue growth 5Y18.23%
Sales Q2Q%14.55%
3.2 Future
The Earnings Per Share is expected to grow by 5.68% on average over the next years.
GOS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.96% yearly.
EPS Next Y17.82%
EPS Next 2Y15.27%
EPS Next 3Y13.78%
EPS Next 5Y5.68%
Revenue Next Year9.5%
Revenue Next 2Y7.18%
Revenue Next 3Y5.92%
Revenue Next 5Y3.96%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 17.41 indicates a rather expensive valuation of GOS.
Based on the Price/Earnings ratio, GOS is valued a bit cheaper than the industry average as 68.75% of the companies are valued more expensively.
GOS is valuated rather cheaply when we compare the Price/Earnings ratio to 27.20, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 14.66, which indicates a correct valuation of GOS.
76.79% of the companies in the same industry are more expensive than GOS, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.70. GOS is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.41 | ||
| Fwd PE | 14.66 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, GOS is valued a bit cheaper than 75.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 19.56 |
4.3 Compensation for Growth
GOS's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
GOS's earnings are expected to grow with 13.78% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.98
PEG (5Y)1.24
EPS Next 2Y15.27%
EPS Next 3Y13.78%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.54%, GOS is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 6.14, GOS pays a better dividend. On top of this GOS pays more dividend than 90.18% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, GOS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.54% |
5.2 History
The dividend of GOS is nicely growing with an annual growth rate of 19.24%!
Dividend Growth(5Y)19.24%
Div Incr Years6
Div Non Decr Years6
5.3 Sustainability
31.57% of the earnings are spent on dividend by GOS. This is a low number and sustainable payout ratio.
GOS's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP31.57%
EPS Next 2Y15.27%
EPS Next 3Y13.78%
FRA:GOS (9/17/2025, 7:00:00 PM)
669.2
+9.8 (+1.49%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners74.29%
Inst Owner ChangeN/A
Ins Owners0.52%
Ins Owner ChangeN/A
Market Cap202.58B
Analysts73.55
Price Target622.68 (-6.95%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.54% |
Yearly Dividend12.11
Dividend Growth(5Y)19.24%
DP31.57%
Div Incr Years6
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.09%
Min EPS beat(2)11%
Max EPS beat(2)11.18%
EPS beat(4)4
Avg EPS beat(4)20.42%
Min EPS beat(4)11%
Max EPS beat(4)41.07%
EPS beat(8)7
Avg EPS beat(8)20.6%
EPS beat(12)9
Avg EPS beat(12)11.68%
EPS beat(16)12
Avg EPS beat(16)12.72%
Revenue beat(2)1
Avg Revenue beat(2)1.95%
Min Revenue beat(2)-1.25%
Max Revenue beat(2)5.15%
Revenue beat(4)3
Avg Revenue beat(4)4.26%
Min Revenue beat(4)-1.25%
Max Revenue beat(4)8.67%
Revenue beat(8)6
Avg Revenue beat(8)3.43%
Revenue beat(12)9
Avg Revenue beat(12)21.88%
Revenue beat(16)13
Avg Revenue beat(16)21.96%
PT rev (1m)-1.34%
PT rev (3m)16.92%
EPS NQ rev (1m)0.06%
EPS NQ rev (3m)1.99%
EPS NY rev (1m)3.51%
EPS NY rev (3m)3.21%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.68%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)2.76%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.41 | ||
| Fwd PE | 14.66 | ||
| P/S | 1.89 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.93 | ||
| P/tB | 1.93 | ||
| EV/EBITDA | 19.56 |
EPS(TTM)38.43
EY5.74%
EPS(NY)45.63
Fwd EY6.82%
FCF(TTM)-69.61
FCFYN/A
OCF(TTM)-63.94
OCFYN/A
SpS354.15
BVpS346.93
TBVpS346.93
PEG (NY)0.98
PEG (5Y)1.24
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.83% | ||
| ROE | 11.9% | ||
| ROCE | 2.92% | ||
| ROIC | 1.07% | ||
| ROICexc | 1.19% | ||
| ROICexgc | 1.23% | ||
| OM | 15.66% | ||
| PM (TTM) | 11.66% | ||
| GM | 38.58% | ||
| FCFM | N/A |
ROA(3y)0.68%
ROA(5y)0.85%
ROE(3y)9.01%
ROE(5y)11.11%
ROIC(3y)0.9%
ROIC(5y)1.18%
ROICexc(3y)1.1%
ROICexc(5y)1.47%
ROICexgc(3y)1.11%
ROICexgc(5y)1.48%
ROCE(3y)2.51%
ROCE(5y)3.11%
ROICexcg growth 3Y-19.38%
ROICexcg growth 5Y-1.43%
ROICexc growth 3Y-19.4%
ROICexc growth 5Y-1.39%
OM growth 3Y-29.54%
OM growth 5Y-5.46%
PM growth 3Y-31.06%
PM growth 5Y-5.81%
GM growth 3Y-24.01%
GM growth 5Y-9.99%
F-Score4
Asset Turnover0.07
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 8.52 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 47.9 | ||
| Cap/Depr | 90.37% | ||
| Cap/Sales | 1.6% | ||
| Interest Coverage | 0.28 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.3 | ||
| Quick Ratio | 0.3 | ||
| Altman-Z | N/A |
F-Score4
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)95.93%
Cap/Depr(5y)170.22%
Cap/Sales(3y)3.08%
Cap/Sales(5y)5.52%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)45.68%
EPS 3Y-11.93%
EPS 5Y14.07%
EPS Q2Q%26.57%
EPS Next Y17.82%
EPS Next 2Y15.27%
EPS Next 3Y13.78%
EPS Next 5Y5.68%
Revenue 1Y (TTM)5.42%
Revenue growth 3Y24.97%
Revenue growth 5Y18.23%
Sales Q2Q%14.55%
Revenue Next Year9.5%
Revenue Next 2Y7.18%
Revenue Next 3Y5.92%
Revenue Next 5Y3.96%
EBIT growth 1Y33.9%
EBIT growth 3Y-11.94%
EBIT growth 5Y11.78%
EBIT Next Year1.64%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-217.65%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-194.61%
OCF growth 3YN/A
OCF growth 5YN/A