GOLDMAN SACHS GROUP INC (GOS.DE) Stock Fundamental Analysis

FRA:GOS • US38141G1040

757 EUR
-38.5 (-4.84%)
Last: Feb 13, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

Overall GOS gets a fundamental rating of 4 out of 10. We evaluated GOS against 117 industry peers in the Capital Markets industry. GOS has a medium profitability rating, but doesn't score so well on its financial health evaluation. GOS has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year GOS was profitable.
  • In the past year GOS had a positive cash flow from operations.
  • Each year in the past 5 years GOS has been profitable.
  • In multiple years GOS reported negative operating cash flow during the last 5 years.
GOS.DE Yearly Net Income VS EBIT VS OCF VS FCFGOS.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B -10B 20B -20B

1.2 Ratios

  • The Return On Assets of GOS (0.88%) is comparable to the rest of the industry.
  • With a decent Return On Equity value of 12.73%, GOS is doing good in the industry, outperforming 69.23% of the companies in the same industry.
  • With a Return On Invested Capital value of 1.15%, GOS perfoms like the industry average, outperforming 52.99% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for GOS is significantly below the industry average of 8.96%.
  • The 3 year average ROIC (0.96%) for GOS is below the current ROIC(1.15%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 0.88%
ROE 12.73%
ROIC 1.15%
ROA(3y)0.73%
ROA(5y)0.88%
ROE(3y)10.3%
ROE(5y)11.86%
ROIC(3y)0.96%
ROIC(5y)1.13%
GOS.DE Yearly ROA, ROE, ROICGOS.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • GOS has a Profit Margin of 12.45%. This is comparable to the rest of the industry: GOS outperforms 53.85% of its industry peers.
  • GOS's Profit Margin has declined in the last couple of years.
  • GOS has a Operating Margin (16.70%) which is comparable to the rest of the industry.
  • In the last couple of years the Operating Margin of GOS has declined.
  • GOS has a Gross Margin of 40.13%. This is in the better half of the industry: GOS outperforms 61.54% of its industry peers.
  • In the last couple of years the Gross Margin of GOS has declined.
Industry RankSector Rank
OM 16.7%
PM (TTM) 12.45%
GM 40.13%
OM growth 3Y-3.81%
OM growth 5Y-8.77%
PM growth 3Y-5.96%
PM growth 5Y-3.81%
GM growth 3Y-13.08%
GM growth 5Y-12.14%
GOS.DE Yearly Profit, Operating, Gross MarginsGOS.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • Compared to 1 year ago, GOS has less shares outstanding
  • The number of shares outstanding for GOS has been reduced compared to 5 years ago.
  • The debt/assets ratio for GOS has been reduced compared to a year ago.
GOS.DE Yearly Shares OutstandingGOS.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M
GOS.DE Yearly Total Debt VS Total AssetsGOS.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500B 1T 1.5T

2.2 Solvency

  • GOS has an Altman-Z score of -0.19. This is a bad value and indicates that GOS is not financially healthy and even has some risk of bankruptcy.
  • GOS has a Altman-Z score (-0.19) which is comparable to the rest of the industry.
  • The Debt to FCF ratio of GOS is 72.28, which is on the high side as it means it would take GOS, 72.28 years of fcf income to pay off all of its debts.
  • With a decent Debt to FCF ratio value of 72.28, GOS is doing good in the industry, outperforming 64.10% of the companies in the same industry.
  • A Debt/Equity ratio of 8.47 is on the high side and indicates that GOS has dependencies on debt financing.
  • The Debt to Equity ratio of GOS (8.47) is worse than 68.38% of its industry peers.
Industry RankSector Rank
Debt/Equity 8.47
Debt/FCF 72.28
Altman-Z -0.19
ROIC/WACCN/A
WACCN/A
GOS.DE Yearly LT Debt VS Equity VS FCFGOS.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100B 200B

2.3 Liquidity

  • A Current Ratio of 0.31 indicates that GOS may have some problems paying its short term obligations.
  • GOS has a Current ratio (0.31) which is in line with its industry peers.
  • A Quick Ratio of 0.31 indicates that GOS may have some problems paying its short term obligations.
  • GOS has a Quick ratio (0.31) which is in line with its industry peers.
Industry RankSector Rank
Current Ratio 0.31
Quick Ratio 0.31
GOS.DE Yearly Current Assets VS Current LiabilitesGOS.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200B 400B 600B 800B 1T

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 26.49% over the past year.
  • GOS shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.50% yearly.
  • The Revenue has decreased by -1.38% in the past year.
  • The Revenue has been growing by 17.29% on average over the past years. This is quite good.
EPS 1Y (TTM)26.49%
EPS 3Y19.49%
EPS 5Y10.5%
EPS Q2Q%17.24%
Revenue 1Y (TTM)-1.38%
Revenue growth 3Y22.11%
Revenue growth 5Y17.29%
Sales Q2Q%-2.99%

3.2 Future

  • Based on estimates for the next years, GOS will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.65% on average per year.
  • The Revenue is expected to grow by 2.56% on average over the next years.
EPS Next Y17.02%
EPS Next 2Y14.21%
EPS Next 3Y12.38%
EPS Next 5Y9.65%
Revenue Next Year9.26%
Revenue Next 2Y6.97%
Revenue Next 3Y4.99%
Revenue Next 5Y2.56%

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
GOS.DE Yearly Revenue VS EstimatesGOS.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 20B 40B 60B 80B 100B
GOS.DE Yearly EPS VS EstimatesGOS.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 20 40 60 80

More info and screens

Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • GOS is valuated rather expensively with a Price/Earnings ratio of 17.52.
  • 64.10% of the companies in the same industry are more expensive than GOS, based on the Price/Earnings ratio.
  • GOS is valuated rather cheaply when we compare the Price/Earnings ratio to 27.97, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 14.98, which indicates a correct valuation of GOS.
  • 73.50% 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 27.96. GOS is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 17.52
Fwd PE 14.98
GOS.DE Price Earnings VS Forward Price EarningsGOS.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of GOS indicates a somewhat cheap valuation: GOS is cheaper than 66.67% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, GOS is valued cheaper than 80.34% of the companies in the same industry.
Industry RankSector Rank
P/FCF 17.1
EV/EBITDA 20.74
GOS.DE Per share dataGOS.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 100 200 300

4.3 Compensation for Growth

  • GOS's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • GOS's earnings are expected to grow with 12.38% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.03
PEG (5Y)1.67
EPS Next 2Y14.21%
EPS Next 3Y12.38%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.02%, GOS has a reasonable but not impressive dividend return.
  • GOS's Dividend Yield is a higher than the industry average which is at 3.00.
  • GOS's Dividend Yield is comparable with the S&P500 average which is at 1.79.
Industry RankSector Rank
Dividend Yield 2.02%

5.2 History

  • On average, the dividend of GOS grows each year by 19.24%, which is quite nice.
Dividend Growth(5Y)19.24%
Div Incr Years6
Div Non Decr Years6
GOS.DE Yearly Dividends per shareGOS.DE Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6 8 10

5.3 Sustainability

  • 31.36% 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.
DP31.36%
EPS Next 2Y14.21%
EPS Next 3Y12.38%
GOS.DE Yearly Income VS Free CF VS DividendGOS.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B -10B 20B -20B
GOS.DE Dividend Payout.GOS.DE Dividend Payout, showing the Payout Ratio.GOS.DE Dividend Payout.PayoutRetained Earnings

More info and screens

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GOLDMAN SACHS GROUP INC

FRA:GOS (2/13/2026, 7:00:00 PM)

757

-38.5 (-4.84%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-19
Earnings (Next)04-13
Inst Owners74.56%
Inst Owner ChangeN/A
Ins Owners0.52%
Ins Owner ChangeN/A
Market Cap227.05B
Revenue(TTM)125.10B
Net Income(TTM)15.84B
Analysts73.13
Price Target817 (7.93%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.02%
Yearly Dividend12.03
Dividend Growth(5Y)19.24%
DP31.36%
Div Incr Years6
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.66%
Min EPS beat(2)8.14%
Max EPS beat(2)11.18%
EPS beat(4)4
Avg EPS beat(4)17.85%
Min EPS beat(4)8.14%
Max EPS beat(4)41.07%
EPS beat(8)8
Avg EPS beat(8)21.62%
EPS beat(12)9
Avg EPS beat(12)12.01%
EPS beat(16)12
Avg EPS beat(16)10.57%
Revenue beat(2)2
Avg Revenue beat(2)4.86%
Min Revenue beat(2)4.58%
Max Revenue beat(2)5.15%
Revenue beat(4)3
Avg Revenue beat(4)4.29%
Min Revenue beat(4)-1.25%
Max Revenue beat(4)8.67%
Revenue beat(8)6
Avg Revenue beat(8)3.68%
Revenue beat(12)9
Avg Revenue beat(12)17.49%
Revenue beat(16)13
Avg Revenue beat(16)20.62%
PT rev (1m)15.67%
PT rev (3m)18.42%
EPS NQ rev (1m)1.03%
EPS NQ rev (3m)0.78%
EPS NY rev (1m)5.54%
EPS NY rev (3m)5.55%
Revenue NQ rev (1m)-3.9%
Revenue NQ rev (3m)-3.83%
Revenue NY rev (1m)2.77%
Revenue NY rev (3m)2.98%
Valuation
Industry RankSector Rank
PE 17.52
Fwd PE 14.98
P/S 2.12
P/FCF 17.1
P/OCF 15.07
P/B 2.17
P/tB 2.29
EV/EBITDA 20.74
EPS(TTM)43.2
EY5.71%
EPS(NY)50.54
Fwd EY6.68%
FCF(TTM)44.28
FCFY5.85%
OCF(TTM)50.23
OCFY6.64%
SpS357.2
BVpS349.31
TBVpS330.18
PEG (NY)1.03
PEG (5Y)1.67
Graham Number582.69
Profitability
Industry RankSector Rank
ROA 0.88%
ROE 12.73%
ROCE 3.16%
ROIC 1.15%
ROICexc 1.31%
ROICexgc 1.31%
OM 16.7%
PM (TTM) 12.45%
GM 40.13%
FCFM 12.4%
ROA(3y)0.73%
ROA(5y)0.88%
ROE(3y)10.3%
ROE(5y)11.86%
ROIC(3y)0.96%
ROIC(5y)1.13%
ROICexc(3y)1.11%
ROICexc(5y)1.39%
ROICexgc(3y)1.13%
ROICexgc(5y)1.4%
ROCE(3y)2.76%
ROCE(5y)3.09%
ROICexgc growth 3Y1.88%
ROICexgc growth 5Y-4.51%
ROICexc growth 3Y1.29%
ROICexc growth 5Y-4.9%
OM growth 3Y-3.81%
OM growth 5Y-8.77%
PM growth 3Y-5.96%
PM growth 5Y-3.81%
GM growth 3Y-13.08%
GM growth 5Y-12.14%
F-Score7
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 8.47
Debt/FCF 72.28
Debt/EBITDA 45.04
Cap/Depr 98.42%
Cap/Sales 1.67%
Interest Coverage 0.31
Cash Conversion 76.45%
Profit Quality 99.56%
Current Ratio 0.31
Quick Ratio 0.31
Altman-Z -0.19
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)26.49%
EPS 3Y19.49%
EPS 5Y10.5%
EPS Q2Q%17.24%
EPS Next Y17.02%
EPS Next 2Y14.21%
EPS Next 3Y12.38%
EPS Next 5Y9.65%
Revenue 1Y (TTM)-1.38%
Revenue growth 3Y22.11%
Revenue growth 5Y17.29%
Sales Q2Q%-2.99%
Revenue Next Year9.26%
Revenue Next 2Y6.97%
Revenue Next 3Y4.99%
Revenue Next 5Y2.56%
EBIT growth 1Y32.76%
EBIT growth 3Y17.45%
EBIT growth 5Y7%
EBIT Next Year-8.23%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y117.45%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y120.25%
OCF growth 3YN/A
OCF growth 5YN/A

GOLDMAN SACHS GROUP INC / GOS.DE FAQ

What is the fundamental rating for GOS stock?

ChartMill assigns a fundamental rating of 4 / 10 to GOS.DE.


What is the valuation status for GOS stock?

ChartMill assigns a valuation rating of 5 / 10 to GOLDMAN SACHS GROUP INC (GOS.DE). This can be considered as Fairly Valued.


What is the profitability of GOS stock?

GOLDMAN SACHS GROUP INC (GOS.DE) has a profitability rating of 4 / 10.


Can you provide the financial health for GOS stock?

The financial health rating of GOLDMAN SACHS GROUP INC (GOS.DE) is 3 / 10.


How sustainable is the dividend of GOLDMAN SACHS GROUP INC (GOS.DE) stock?

The dividend rating of GOLDMAN SACHS GROUP INC (GOS.DE) is 5 / 10 and the dividend payout ratio is 31.36%.