GOLDMAN SACHS GROUP INC (GOS.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:GOS - US38141G1040 - Common Stock
716.1 EUR
+14.7 (+2.1%)
Overall GOS gets a fundamental rating of 4 out of 10. We evaluated GOS against 121 industry peers in the Capital Markets industry. There are concerns on the financial health of GOS while its profitability can be described as average. GOS has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
GOS had positive earnings in the past year.
GOS had a positive operating cash flow in the past year.
In the past 5 years GOS has always been profitable.
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
GOS has a Return On Assets (0.88%) which is in line with its industry peers.
GOS has a better Return On Equity (12.77%) than 66.67% of its industry peers.
Looking at the Return On Invested Capital, with a value of 1.13%, GOS is in line with its industry, outperforming 53.33% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for GOS is significantly below the industry average of 9.33%.
The last Return On Invested Capital (1.13%) for GOS is above the 3 year average (0.90%), which is a sign of increasing profitability.
| 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 55.00% of the companies in the same industry.
In the last couple of years the Profit Margin of GOS has declined.
GOS has a Operating Margin of 16.70%. This is in the better half of the industry: GOS outperforms 61.67% of its industry peers.
GOS's Operating Margin has declined in the last couple of years.
With a Gross Margin value of 40.13%, GOS perfoms like the industry average, outperforming 60.00% of the companies in the same 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.
GOS has less shares outstanding than it did 5 years ago.
The debt/assets ratio for GOS is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of GOS is 72.29, which is on the high side as it means it would take GOS, 72.29 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of GOS (72.29) is better than 61.67% of its industry peers.
GOS has a Debt/Equity ratio of 8.60. This is a high value indicating a heavy dependency on external 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 69.17% 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 42.50% 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.
With a Quick ratio value of 0.31, GOS perfoms like the industry average, outperforming 42.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.31 | ||
| Quick Ratio | 0.31 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 44.45% 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 14.07% yearly.
Looking at the last year, GOS shows a small growth in Revenue. The Revenue has grown by 3.36% in the last year.
GOS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 18.23% yearly.
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
The Earnings Per Share is expected to grow by 13.33% on average over the next years. This is quite good.
The Revenue is expected to grow by 4.85% on average over the next years.
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.
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
With a Price/Earnings ratio of 16.83, GOS is valued correctly.
Based on the Price/Earnings ratio, GOS is valued a bit cheaper than 70.00% of the companies in the same industry.
GOS is valuated rather cheaply when we compare the Price/Earnings ratio to 26.31, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 14.57 indicates a correct valuation of GOS.
Based on the Price/Forward Earnings ratio, GOS is valued a bit cheaper than 77.50% of the companies in the same industry.
GOS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.59.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.83 | ||
| Fwd PE | 14.57 |
4.2 Price Multiples
GOS's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. GOS is cheaper than 74.17% of the companies in the same industry.
GOS's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. GOS is cheaper than 80.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.75 | ||
| EV/EBITDA | 18.35 |
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.
A more expensive valuation may be justified as GOS's earnings are expected to grow with 16.28% in the coming years.
PEG (NY)0.72
PEG (5Y)1.2
EPS Next 2Y18.42%
EPS Next 3Y16.28%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.96%, GOS has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 5.57, GOS has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.34, GOS has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.96% |
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
5.3 Sustainability
GOS pays out 31.36% of its income as dividend. This is a sustainable payout ratio.
The dividend of GOS is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP31.36%
EPS Next 2Y18.42%
EPS Next 3Y16.28%
FRA:GOS (11/28/2025, 7:00:00 PM)
716.1
+14.7 (+2.1%)
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 Cap214.78B
Revenue(TTM)127.21B
Net Income(TTM)15.84B
Analysts73.13
Price Target702.03 (-1.96%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.96% |
Yearly Dividend12.26
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)9.68%
PT rev (3m)11.38%
EPS NQ rev (1m)-0.58%
EPS NQ rev (3m)3.73%
EPS NY rev (1m)0.01%
EPS NY rev (3m)4.67%
Revenue NQ rev (1m)0.31%
Revenue NQ rev (3m)4.98%
Revenue NY rev (1m)0.05%
Revenue NY rev (3m)3.41%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.83 | ||
| Fwd PE | 14.57 | ||
| P/S | 1.95 | ||
| P/FCF | 15.75 | ||
| P/OCF | 13.89 | ||
| P/B | 2 | ||
| P/tB | 2 | ||
| EV/EBITDA | 18.35 |
EPS(TTM)42.56
EY5.94%
EPS(NY)49.16
Fwd EY6.87%
FCF(TTM)45.46
FCFY6.35%
OCF(TTM)51.57
OCFY7.2%
SpS366.71
BVpS357.45
TBVpS357.45
PEG (NY)0.72
PEG (5Y)1.2
Graham Number585.06
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 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 2 / 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%.