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

FRA:GOS • US38141G1040

738.3 EUR
-7.6 (-1.02%)
Last: Mar 2, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to GOS. GOS was compared to 117 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.


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

  • With a Return On Assets value of 0.88%, GOS perfoms like the industry average, outperforming 47.01% of the companies in the same industry.
  • The Return On Equity of GOS (12.73%) is better than 64.96% of its industry peers.
  • GOS has a Return On Invested Capital (1.15%) which is in line with its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for GOS is significantly below the industry average of 8.89%.
  • 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

  • With a Profit Margin value of 12.45%, GOS perfoms like the industry average, outperforming 47.86% of the companies in the same industry.
  • GOS's Profit Margin has declined in the last couple of years.
  • GOS's Operating Margin of 16.70% is in line compared to the rest of the industry. GOS outperforms 56.41% of its industry peers.
  • In the last couple of years the Operating Margin of GOS has declined.
  • The Gross Margin of GOS (40.13%) is comparable to the rest of the industry.
  • GOS's Gross Margin has declined in the last couple of years.
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

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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 an improved debt to assets ratio.
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

  • Based on the Altman-Z score of -0.19, we must say that GOS is in the distress zone and has some risk of bankruptcy.
  • GOS has a Altman-Z score (-0.19) which is in line with its industry peers.
  • 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.
  • GOS's Debt to FCF ratio of 72.28 is fine compared to the rest of the industry. GOS outperforms 64.96% of its industry peers.
  • 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 69.23% 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 comparable to the rest of the industry.
  • GOS has a Quick Ratio of 0.31. This is a bad value and indicates that GOS is not financially healthy enough and could expect problems in meeting its short term obligations.
  • GOS has a Quick ratio of 0.31. This is comparable to the rest of the industry: GOS outperforms 42.73% of 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

  • GOS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 26.49%, which is quite impressive.
  • Measured over the past years, GOS shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.50% on average per year.
  • 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

  • GOS is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.49% yearly.
  • The Revenue is expected to grow by 3.66% on average over the next years.
EPS Next Y17.02%
EPS Next 2Y14.21%
EPS Next 3Y12.38%
EPS Next 5Y10.49%
Revenue Next Year9.27%
Revenue Next 2Y6.97%
Revenue Next 3Y5.04%
Revenue Next 5Y3.66%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
  • 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 80 100

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • GOS is valuated correctly with a Price/Earnings ratio of 16.99.
  • Compared to the rest of the industry, the Price/Earnings ratio of GOS indicates a somewhat cheap valuation: GOS is cheaper than 70.94% of the companies listed in the same industry.
  • GOS is valuated rather cheaply when we compare the Price/Earnings ratio to 27.13, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 14.52 indicates a correct valuation of GOS.
  • 75.21% of the companies in the same industry are more expensive than GOS, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of GOS to the average of the S&P500 Index (28.11), we can say GOS is valued slightly cheaper.
Industry RankSector Rank
PE 16.99
Fwd PE 14.52
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

  • GOS's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. GOS is cheaper than 70.09% of the companies in the same industry.
  • 88.03% of the companies in the same industry are more expensive than GOS, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 16.58
EV/EBITDA 19.92
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

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as GOS's earnings are expected to grow with 12.38% in the coming years.
PEG (NY)1
PEG (5Y)1.62
EPS Next 2Y14.21%
EPS Next 3Y12.38%

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

4

5. Dividend

5.1 Amount

  • GOS has a Yearly Dividend Yield of 1.99%.
  • Compared to an average industry Dividend Yield of 3.08, GOS has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, GOS has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.99%

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

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GOLDMAN SACHS GROUP INC

FRA:GOS (3/2/2026, 7:00:00 PM)

738.3

-7.6 (-1.02%)

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 Cap221.44B
Revenue(TTM)125.10B
Net Income(TTM)15.84B
Analysts72.5
Price Target833.46 (12.89%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.99%
Yearly Dividend12.02
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)8.78%
PT rev (3m)18.72%
EPS NQ rev (1m)1.03%
EPS NQ rev (3m)1.14%
EPS NY rev (1m)2.2%
EPS NY rev (3m)5.55%
Revenue NQ rev (1m)-3.9%
Revenue NQ rev (3m)-3.99%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.99%
Valuation
Industry RankSector Rank
PE 16.99
Fwd PE 14.52
P/S 2.05
P/FCF 16.58
P/OCF 14.61
P/B 2.1
P/tB 2.22
EV/EBITDA 19.92
EPS(TTM)43.45
EY5.89%
EPS(NY)50.84
Fwd EY6.89%
FCF(TTM)44.54
FCFY6.03%
OCF(TTM)50.52
OCFY6.84%
SpS359.29
BVpS351.35
TBVpS332.11
PEG (NY)1
PEG (5Y)1.62
Graham Number586.08
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 5Y10.49%
Revenue 1Y (TTM)-1.38%
Revenue growth 3Y22.11%
Revenue growth 5Y17.29%
Sales Q2Q%-2.99%
Revenue Next Year9.27%
Revenue Next 2Y6.97%
Revenue Next 3Y5.04%
Revenue Next 5Y3.66%
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 6 / 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 4 / 10 and the dividend payout ratio is 31.36%.