GOLDMAN SACHS GROUP INC (GOS.DE) Stock Fundamental Analysis
Europe - FRA:GOS - US38141G1040 - Common Stock
687.3 EUR
-22.4 (-3.16%)
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 is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
GOS had positive earnings in the past year.
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.
1.2 Ratios
With a Return On Assets value of 0.88%, GOS perfoms like the industry average, outperforming 49.57% of the companies in the same industry.
GOS's Return On Equity of 12.77% is fine compared to the rest of the industry. GOS outperforms 63.48% of its industry peers.
GOS's Return On Invested Capital of 1.13% is in line compared to the rest of the industry. GOS outperforms 51.30% 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 8.96%.
The 3 year average ROIC (0.90%) for GOS is below the current ROIC(1.13%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.88% | ||
| ROE | 12.77% | ||
| ROIC | 1.13% |
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
With a Profit Margin value of 12.45%, GOS perfoms like the industry average, outperforming 53.91% of the companies in the same industry.
GOS's Profit Margin has declined in the last couple of years.
The Operating Margin of GOS (16.70%) is comparable to the rest of the industry.
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.
In the last couple of years the Gross Margin of GOS has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 16.7% | ||
| PM (TTM) | 12.45% | ||
| GM | 40.13% |
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.
Compared to 5 years ago, GOS has less shares outstanding
Compared to 1 year ago, GOS has a worse debt to assets ratio.
2.2 Solvency
GOS has a debt to FCF ratio of 72.29. This is a negative value and a sign of low solvency as GOS would need 72.29 years to pay back of all of its debts.
The Debt to FCF ratio of GOS (72.29) is better than 60.87% of its industry peers.
A Debt/Equity ratio of 8.60 is on the high side and indicates that GOS has dependencies on debt financing.
GOS's Debt to Equity ratio of 8.60 is on the low side compared to the rest of the industry. GOS is outperformed by 71.30% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 8.6 | ||
| Debt/FCF | 72.29 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
GOS has a Current 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 Current ratio of 0.31. This is comparable to the rest of the industry: GOS outperforms 41.74% of its industry peers.
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 (0.31) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.31 | ||
| Quick Ratio | 0.31 |
3. Growth
3.1 Past
GOS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 44.45%, which is quite impressive.
The Earnings Per Share has been growing by 14.07% on average over the past years. This is quite good.
GOS shows a small growth in Revenue. In the last year, the Revenue has grown by 3.36%.
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)44.45%
EPS 3Y-11.93%
EPS 5Y14.07%
EPS Q2Q%45.83%
Revenue 1Y (TTM)3.36%
Revenue growth 3Y24.97%
Revenue growth 5Y18.23%
Sales Q2Q%19.57%
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 13.33% yearly.
Based on estimates for the next years, GOS will show a small growth in Revenue. The Revenue will grow by 4.85% on average per year.
EPS Next Y23.32%
EPS Next 2Y18.42%
EPS Next 3Y16.28%
EPS Next 5Y13.33%
Revenue Next Year13.23%
Revenue Next 2Y9.21%
Revenue Next 3Y7.66%
Revenue Next 5Y4.85%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 16.26, GOS is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of GOS indicates a somewhat cheap valuation: GOS is cheaper than 70.43% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of GOS to the average of the S&P500 Index (25.89), we can say GOS is valued slightly cheaper.
With a Price/Forward Earnings ratio of 14.08, GOS is valued correctly.
Based on the Price/Forward Earnings ratio, GOS is valued a bit cheaper than 75.65% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.59. GOS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.26 | ||
| Fwd PE | 14.08 |
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 73.04% of the companies listed in the same industry.
80.00% of the companies in the same industry are more expensive than GOS, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.37 | ||
| EV/EBITDA | 18.09 |
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 16.28% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.7
PEG (5Y)1.16
EPS Next 2Y18.42%
EPS Next 3Y16.28%
5. Dividend
5.1 Amount
GOS has a Yearly Dividend Yield of 1.99%. Purely for dividend investing, there may be better candidates out there.
GOS's Dividend Yield is comparable with the industry average which is at 5.81.
Compared to an average S&P500 Dividend Yield of 2.44, GOS has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.99% |
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
GOS pays out 31.36% of its income as dividend. This is a sustainable payout ratio.
GOS's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP31.36%
EPS Next 2Y18.42%
EPS Next 3Y16.28%
FRA:GOS (11/14/2025, 7:00:00 PM)
687.3
-22.4 (-3.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners74.17%
Inst Owner ChangeN/A
Ins Owners0.51%
Ins Owner ChangeN/A
Market Cap208.06B
Revenue(TTM)127.21B
Net Income(TTM)15.84B
Analysts73.13
Price Target680.37 (-1.01%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.99% |
Yearly Dividend12.18
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)6.29%
PT rev (3m)7.8%
EPS NQ rev (1m)1.16%
EPS NQ rev (3m)4.1%
EPS NY rev (1m)4.49%
EPS NY rev (3m)8.34%
Revenue NQ rev (1m)3.51%
Revenue NQ rev (3m)4.8%
Revenue NY rev (1m)3.14%
Revenue NY rev (3m)3.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.26 | ||
| Fwd PE | 14.08 | ||
| P/S | 1.91 | ||
| P/FCF | 15.37 | ||
| P/OCF | 13.55 | ||
| P/B | 1.95 | ||
| P/tB | 1.95 | ||
| EV/EBITDA | 18.09 |
EPS(TTM)42.26
EY6.15%
EPS(NY)48.82
Fwd EY7.1%
FCF(TTM)44.72
FCFY6.51%
OCF(TTM)50.73
OCFY7.38%
SpS360.77
BVpS351.67
TBVpS351.67
PEG (NY)0.7
PEG (5Y)1.16
Graham Number578.26
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.88% | ||
| ROE | 12.77% | ||
| ROCE | 3.09% | ||
| ROIC | 1.13% | ||
| ROICexc | 1.27% | ||
| ROICexgc | 1.31% | ||
| OM | 16.7% | ||
| PM (TTM) | 12.45% | ||
| GM | 40.13% | ||
| FCFM | 12.4% |
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%
ROICexgc growth 3Y-19.38%
ROICexgc 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-Score7
Asset Turnover0.07
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 8.6 | ||
| Debt/FCF | 72.29 | ||
| Debt/EBITDA | 45.6 | ||
| 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 | N/A |
F-Score7
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)44.45%
EPS 3Y-11.93%
EPS 5Y14.07%
EPS Q2Q%45.83%
EPS Next Y23.32%
EPS Next 2Y18.42%
EPS Next 3Y16.28%
EPS Next 5Y13.33%
Revenue 1Y (TTM)3.36%
Revenue growth 3Y24.97%
Revenue growth 5Y18.23%
Sales Q2Q%19.57%
Revenue Next Year13.23%
Revenue Next 2Y9.21%
Revenue Next 3Y7.66%
Revenue Next 5Y4.85%
EBIT growth 1Y32.76%
EBIT growth 3Y-11.94%
EBIT growth 5Y11.78%
EBIT Next Year1.64%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y179.18%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y202.86%
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 of GOLDMAN SACHS GROUP INC (GOS.DE) 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 1 / 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%.