GOLDMAN SACHS GROUP INC (GOS.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:GOS - US38141G1040 - Common Stock
761.4 EUR
-3 (-0.39%)
We assign a fundamental rating of 4 out of 10 to GOS. GOS was compared to 120 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 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.
GOS had positive earnings in each of the past 5 years.
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 of 0.88%. This is comparable to the rest of the industry: GOS outperforms 47.50% of its industry peers.
Looking at the Return On Equity, with a value of 12.77%, GOS is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
GOS has a Return On Invested Capital (1.13%) 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 9.23%.
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
GOS has a Profit Margin (12.45%) which is comparable to the rest of the industry.
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.
Looking at the Gross Margin, with a value of 40.13%, GOS is in line with its industry, outperforming 58.33% 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
The number of shares outstanding for GOS has been reduced compared to 1 year ago.
The number of shares outstanding for GOS has been reduced compared to 5 years ago.
GOS has a worse debt/assets ratio than last year.
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 comparable to the rest of the industry.
A Debt/Equity ratio of 8.60 is on the high side and indicates that GOS has dependencies on debt financing.
With a Debt to Equity ratio value of 8.60, GOS is not doing good in the industry: 72.50% of the companies in the same industry are doing better.
| 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 in the lower half of the industry: GOS underperforms 60.00% 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 of 0.31. This is in the lower half of the industry: GOS underperforms 60.00% of its industry peers.
| 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.
The Earnings Per Share has been growing by 14.07% on average over the past years. This is quite good.
Looking at the last year, GOS shows a small growth in Revenue. The Revenue has grown by 3.36% in the last year.
The Revenue has been growing by 18.23% on average over the past years. This is quite good.
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
Based on estimates for the next years, GOS will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.33% on average per year.
GOS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.85% yearly.
EPS Next Y23.4%
EPS Next 2Y18.42%
EPS Next 3Y16.28%
EPS Next 5Y13.33%
Revenue Next Year13.4%
Revenue Next 2Y9.28%
Revenue Next 3Y7.66%
Revenue Next 5Y4.85%
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.
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
Based on the Price/Earnings ratio of 18.12, the valuation of GOS can be described as rather expensive.
GOS's Price/Earnings ratio is a bit cheaper when compared to the industry. GOS is cheaper than 63.33% of the companies in the same industry.
GOS's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.39.
With a Price/Forward Earnings ratio of 15.68, GOS is valued correctly.
Compared to the rest of the industry, the Price/Forward Earnings ratio of GOS indicates a somewhat cheap valuation: GOS is cheaper than 73.33% of the companies listed in the same industry.
GOS's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.84.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.12 | ||
| Fwd PE | 15.68 |
4.2 Price Multiples
GOS's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. GOS is cheaper than 70.83% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of GOS indicates a somewhat cheap valuation: GOS is cheaper than 78.33% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.96 | ||
| EV/EBITDA | 19.21 |
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 16.28% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.77
PEG (5Y)1.29
EPS Next 2Y18.42%
EPS Next 3Y16.28%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.83%, GOS has a reasonable but not impressive dividend return.
GOS's Dividend Yield is comparable with the industry average which is at 3.18.
GOS's Dividend Yield is comparable with the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.83% |
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.
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 (12/22/2025, 3:41:24 PM)
761.4
-3 (-0.39%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners74.48%
Inst Owner ChangeN/A
Ins Owners0.52%
Ins Owner ChangeN/A
Market Cap228.37B
Revenue(TTM)127.21B
Net Income(TTM)15.84B
Analysts73.13
Price Target693.37 (-8.93%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.83% |
Yearly Dividend12.11
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)1.91%
PT rev (3m)11.35%
EPS NQ rev (1m)-0.67%
EPS NQ rev (3m)3.39%
EPS NY rev (1m)0.07%
EPS NY rev (3m)4.74%
Revenue NQ rev (1m)0.03%
Revenue NQ rev (3m)4.83%
Revenue NY rev (1m)0.15%
Revenue NY rev (3m)3.56%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.12 | ||
| Fwd PE | 15.68 | ||
| P/S | 2.1 | ||
| P/FCF | 16.96 | ||
| P/OCF | 14.95 | ||
| P/B | 2.16 | ||
| P/tB | 2.16 | ||
| EV/EBITDA | 19.21 |
EPS(TTM)42.03
EY5.52%
EPS(NY)48.55
Fwd EY6.38%
FCF(TTM)44.89
FCFY5.9%
OCF(TTM)50.92
OCFY6.69%
SpS362.14
BVpS353
TBVpS353
PEG (NY)0.77
PEG (5Y)1.29
Graham Number577.77
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 Y23.4%
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 Year13.4%
Revenue Next 2Y9.28%
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 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%.