GOLDMAN SACHS GROUP INC (GOS.DE) Fundamental Analysis & Valuation

FRA:GOS • US38141G1040

Current stock price

746.6 EUR
-1.1 (-0.15%)
Last:

This GOS.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. GOS.DE Profitability Analysis

1.1 Basic Checks

  • GOS had positive earnings in the past year.
  • GOS had a negative operating cash flow in the past year.
  • In the past 5 years GOS has always 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 20B -20B -40B

1.2 Ratios

  • With a Return On Assets value of 0.90%, GOS perfoms like the industry average, outperforming 50.88% of the companies in the same industry.
  • GOS has a better Return On Equity (13.04%) than 70.18% 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 51.75% of its industry peers.
  • GOS had an Average Return On Invested Capital over the past 3 years of 0.96%. This is significantly below the industry average of 9.73%.
  • The last Return On Invested Capital (1.13%) for GOS is above the 3 year average (0.96%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 0.9%
ROE 13.04%
ROIC 1.13%
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 (13.03%) which is in line with its industry peers.
  • GOS's Profit Margin has declined in the last couple of years.
  • With a decent Operating Margin value of 17.47%, GOS is doing good in the industry, outperforming 60.53% of the companies in the same industry.
  • GOS's Operating Margin has declined in the last couple of years.
  • With a decent Gross Margin value of 40.20%, GOS is doing good in the industry, outperforming 64.04% of the companies in the same industry.
  • GOS's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 17.47%
PM (TTM) 13.03%
GM 40.2%
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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2

2. GOS.DE Health Analysis

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 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

  • A Debt/Equity ratio of 8.74 is on the high side and indicates that GOS has dependencies on debt financing.
  • GOS has a worse Debt to Equity ratio (8.74) than 67.54% of its industry peers.
Industry RankSector Rank
Debt/Equity 8.74
Debt/FCF N/A
Altman-Z N/A
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 0.32 indicates that GOS may have some problems paying its short term obligations.
  • GOS's Current ratio of 0.32 is in line compared to the rest of the industry. GOS outperforms 42.11% of its industry peers.
  • A Quick Ratio of 0.32 indicates that GOS may have some problems paying its short term obligations.
  • With a Quick ratio value of 0.32, GOS perfoms like the industry average, outperforming 42.11% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.32
Quick Ratio 0.32
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. GOS.DE Growth Analysis

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.
  • The Earnings Per Share has been growing by 10.50% on average over the past years. This is quite good.
  • The Revenue has decreased by -1.38% in the past year.
  • GOS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 17.29% yearly.
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 10.49% on average per year.
  • Based on estimates for the next years, GOS will show a small growth in Revenue. The Revenue will grow by 3.66% on average per year.
EPS Next Y16.82%
EPS Next 2Y14.13%
EPS Next 3Y12.43%
EPS Next 5Y10.49%
Revenue Next Year9.33%
Revenue Next 2Y7.01%
Revenue Next 3Y5.14%
Revenue Next 5Y3.66%

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 80 100

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4

4. GOS.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 16.78 indicates a correct valuation of GOS.
  • Compared to the rest of the industry, the Price/Earnings ratio of GOS indicates a somewhat cheap valuation: GOS is cheaper than 68.42% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.60, GOS is valued a bit cheaper.
  • GOS is valuated correctly with a Price/Forward Earnings ratio of 14.36.
  • GOS's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. GOS is cheaper than 73.68% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.84, GOS is valued a bit cheaper.
Industry RankSector Rank
PE 16.78
Fwd PE 14.36
GOS.DE Price Earnings VS Forward Price EarningsGOS.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, GOS is valued a bit cheaper than the industry average as 74.56% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 18.61
GOS.DE Per share dataGOS.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 100 -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.
  • GOS's earnings are expected to grow with 12.43% in the coming years. This may justify a more expensive valuation.
PEG (NY)1
PEG (5Y)1.6
EPS Next 2Y14.13%
EPS Next 3Y12.43%

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

4

5. GOS.DE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.19%, GOS has a reasonable but not impressive dividend return.
  • GOS's Dividend Yield is comparable with the industry average which is at 3.30.
  • GOS's Dividend Yield is comparable with the S&P500 average which is at 1.88.
Industry RankSector Rank
Dividend Yield 2.19%

5.2 History

  • The dividend of GOS is nicely growing with an annual growth rate of 20.67%!
Dividend Growth(5Y)20.67%
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

  • GOS pays out 32.37% 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.
DP32.37%
EPS Next 2Y14.13%
EPS Next 3Y12.43%
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 20B -20B -40B
GOS.DE Dividend Payout.GOS.DE Dividend Payout, showing the Payout Ratio.GOS.DE Dividend Payout.PayoutRetained Earnings

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GOS.DE Fundamentals: All Metrics, Ratios and Statistics

GOLDMAN SACHS GROUP INC

FRA:GOS (4/2/2026, 7:00:00 PM)

746.6

-1.1 (-0.15%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-19
Earnings (Next)04-13
Inst Owners75.45%
Inst Owner ChangeN/A
Ins Owners0.5%
Ins Owner ChangeN/A
Market Cap221.55B
Revenue(TTM)125.10B
Net Income(TTM)16.30B
Analysts72.5
Price Target833.46 (11.63%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.19%
Yearly Dividend15.01
Dividend Growth(5Y)20.67%
DP32.37%
Div Incr Years6
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.34%
Min EPS beat(2)8.14%
Max EPS beat(2)16.53%
EPS beat(4)4
Avg EPS beat(4)11.71%
Min EPS beat(4)8.14%
Max EPS beat(4)16.53%
EPS beat(8)8
Avg EPS beat(8)17.25%
EPS beat(12)10
Avg EPS beat(12)16.82%
EPS beat(16)13
Avg EPS beat(16)12.28%
Revenue beat(2)1
Avg Revenue beat(2)-0.35%
Min Revenue beat(2)-5.29%
Max Revenue beat(2)4.58%
Revenue beat(4)2
Avg Revenue beat(4)0.8%
Min Revenue beat(4)-5.29%
Max Revenue beat(4)5.15%
Revenue beat(8)5
Avg Revenue beat(8)2.8%
Revenue beat(12)8
Avg Revenue beat(12)9.75%
Revenue beat(16)12
Avg Revenue beat(16)19.58%
PT rev (1m)0%
PT rev (3m)18%
EPS NQ rev (1m)0.06%
EPS NQ rev (3m)6.09%
EPS NY rev (1m)-0.16%
EPS NY rev (3m)5.36%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.86%
Revenue NY rev (1m)0.05%
Revenue NY rev (3m)2.83%
Valuation
Industry RankSector Rank
PE 16.78
Fwd PE 14.36
P/S 2.04
P/FCF N/A
P/OCF N/A
P/B 2.04
P/tB 2.04
EV/EBITDA 18.61
EPS(TTM)44.5
EY5.96%
EPS(NY)51.99
Fwd EY6.96%
FCF(TTM)-138.06
FCFYN/A
OCF(TTM)-132.03
OCFYN/A
SpS365.78
BVpS365.49
TBVpS365.49
PEG (NY)1
PEG (5Y)1.6
Graham Number604.94
Profitability
Industry RankSector Rank
ROA 0.9%
ROE 13.04%
ROCE 3.11%
ROIC 1.13%
ROICexc 1.27%
ROICexgc 1.3%
OM 17.47%
PM (TTM) 13.03%
GM 40.2%
FCFM N/A
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-Score5
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 8.74
Debt/FCF N/A
Debt/EBITDA 45.44
Cap/Depr 94.59%
Cap/Sales 1.65%
Interest Coverage 0.33
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.32
Quick Ratio 0.32
Altman-Z N/A
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)76.57%
Cap/Depr(5y)122.8%
Cap/Sales(3y)1.81%
Cap/Sales(5y)3.61%
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 Y16.82%
EPS Next 2Y14.13%
EPS Next 3Y12.43%
EPS Next 5Y10.49%
Revenue 1Y (TTM)-1.38%
Revenue growth 3Y22.11%
Revenue growth 5Y17.29%
Sales Q2Q%-2.99%
Revenue Next Year9.33%
Revenue Next 2Y7.01%
Revenue Next 3Y5.14%
Revenue Next 5Y3.66%
EBIT growth 1Y18.32%
EBIT growth 3Y17.45%
EBIT growth 5Y7%
EBIT Next Year-8.23%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-208.55%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-241.76%
OCF growth 3YN/A
OCF growth 5YN/A

GOLDMAN SACHS GROUP INC / GOS.DE Fundamental Analysis 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 4 / 10 to GOLDMAN SACHS GROUP INC (GOS.DE). This can be considered as Fairly Valued.


How profitable is GOLDMAN SACHS GROUP INC (GOS.DE) 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 2 / 10.


What is the expected EPS growth for GOLDMAN SACHS GROUP INC (GOS.DE) stock?

The Earnings per Share (EPS) of GOLDMAN SACHS GROUP INC (GOS.DE) is expected to grow by 16.82% in the next year.