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

FRA:GOS • US38141G1040

Current stock price

720.9 EUR
+14.5 (+2.05%)
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

  • GOS's Return On Assets of 0.90% is in line compared to the rest of the industry. GOS outperforms 52.63% of its industry peers.
  • GOS has a Return On Equity of 13.04%. This is in the better half of the industry: GOS outperforms 69.30% 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 53.51% 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 9.16%.
  • The 3 year average ROIC (0.96%) for GOS is below the current ROIC(1.13%), indicating increased profibility in the last year.
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's Profit Margin of 13.03% is in line compared to the rest of the industry. GOS outperforms 52.63% of its industry peers.
  • In the last couple of years the Profit Margin of GOS has declined.
  • GOS has a Operating Margin of 17.47%. This is in the better half of the industry: GOS outperforms 60.53% of its industry peers.
  • In the last couple of years the Operating Margin of GOS has declined.
  • Looking at the Gross Margin, with a value of 40.20%, GOS is in the better half of the industry, outperforming 64.91% 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.
  • 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

  • GOS has a Debt/Equity ratio of 8.74. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of GOS (8.74) is worse 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.
  • Looking at the Current ratio, with a value of 0.32, GOS is in line with its industry, outperforming 42.98% of the companies in the same industry.
  • GOS has a Quick Ratio of 0.32. This is a bad value and indicates that GOS is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Quick ratio of GOS (0.32) is comparable to the rest of the 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

  • The Earnings Per Share has grown by an impressive 26.49% over the past year.
  • 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.
  • Measured over the past years, GOS shows a quite strong growth in Revenue. The Revenue has been growing by 17.29% on average per year.
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

  • The Earnings Per Share is expected to grow by 10.49% on average over the next years. This is quite good.
  • GOS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.66% yearly.
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

  • 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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4

4. GOS.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 16.24 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 70.18% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.23. GOS is valued slightly cheaper when compared to this.
  • The Price/Forward Earnings ratio is 13.90, which indicates a correct valuation of GOS.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of GOS indicates a somewhat cheap valuation: GOS is cheaper than 78.07% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.42, GOS is valued a bit cheaper.
Industry RankSector Rank
PE 16.24
Fwd PE 13.9
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 76.32% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 18.07
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

  • 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 12.43% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.97
PEG (5Y)1.55
EPS Next 2Y14.13%
EPS Next 3Y12.43%

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

5

5. GOS.DE Dividend Analysis

5.1 Amount

  • GOS has a Yearly Dividend Yield of 2.22%.
  • GOS's Dividend Yield is a higher than the industry average which is at 3.25.
  • GOS's Dividend Yield is comparable with the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 2.22%

5.2 History

  • On average, the dividend of GOS grows each year by 20.67%, which is quite nice.
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.
  • The dividend of GOS is growing, but the earnings are growing slower. 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 (3/23/2026, 5:24:56 PM)

720.9

+14.5 (+2.05%)

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 Cap213.93B
Revenue(TTM)125.10B
Net Income(TTM)16.30B
Analysts72.5
Price Target833.46 (15.61%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.22%
Yearly Dividend14.96
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)2.01%
PT rev (3m)20.2%
EPS NQ rev (1m)0.04%
EPS NQ rev (3m)6.97%
EPS NY rev (1m)-0.16%
EPS NY rev (3m)5.37%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.25%
Revenue NY rev (1m)0.05%
Revenue NY rev (3m)2.92%
Valuation
Industry RankSector Rank
PE 16.24
Fwd PE 13.9
P/S 1.98
P/FCF N/A
P/OCF N/A
P/B 1.98
P/tB 1.98
EV/EBITDA 18.07
EPS(TTM)44.39
EY6.16%
EPS(NY)51.86
Fwd EY7.19%
FCF(TTM)-137.7
FCFYN/A
OCF(TTM)-131.68
OCFYN/A
SpS364.83
BVpS364.54
TBVpS364.54
PEG (NY)0.97
PEG (5Y)1.55
Graham Number603.4
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.


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 5 / 10 and the dividend payout ratio is 32.37%.