GOLDMAN SACHS GROUP INC (GOS.DE) Stock Fundamental Analysis
Europe • Frankfurt Stock Exchange • FRA:GOS • US38141G1040
783.3 EUR
+4.4 (+0.56%)
Last: Jan 30, 2026, 07:00 PM
Taking everything into account, GOS scores 4 out of 10 in our fundamental rating. GOS was compared to 119 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.
- GOS had a positive operating cash flow in the past year.
- GOS had positive earnings in each of the past 5 years.
- 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 50.00% of the companies in the same industry.
- GOS has a Return On Equity of 12.73%. This is in the better half of the industry: GOS outperforms 67.80% of its industry peers.
- GOS's Return On Invested Capital of 1.15% is in line compared to the rest of the industry. GOS outperforms 50.85% 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 8.69%.
- The 3 year average ROIC (0.96%) for GOS is below the current ROIC(1.15%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.88% | ||
| ROE | 12.73% | ||
| ROIC | 1.15% |
ROA(3y)0.73%
ROA(5y)0.88%
ROE(3y)10.3%
ROE(5y)11.86%
ROIC(3y)0.96%
ROIC(5y)1.13%
1.3 Margins
- GOS has a Profit Margin (12.45%) which is comparable to the rest of the industry.
- In the last couple of years the Profit Margin of GOS has declined.
- Looking at the Operating Margin, with a value of 16.70%, GOS is in line with its industry, outperforming 56.78% of the companies in the same industry.
- GOS's Operating Margin has declined in the last couple of years.
- GOS has a Gross Margin (40.13%) which is in line with its industry peers.
- 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-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%
2. Health
2.1 Basic Checks
- Compared to 1 year ago, GOS has less shares outstanding
- The number of shares outstanding for GOS has been reduced compared to 5 years ago.
- Compared to 1 year ago, GOS has an improved debt to assets ratio.
2.2 Solvency
- Based on the Altman-Z score of -0.19, we must say that GOS is in the distress zone and has some risk of bankruptcy.
- GOS has a Altman-Z score (-0.19) which is comparable to the rest of the industry.
- The Debt to FCF ratio of GOS is 72.28, which is on the high side as it means it would take GOS, 72.28 years of fcf income to pay off all of its debts.
- The Debt to FCF ratio of GOS (72.28) is better than 60.17% of its industry peers.
- GOS has a Debt/Equity ratio of 8.47. This is a high value indicating a heavy dependency on external financing.
- Looking at the Debt to Equity ratio, with a value of 8.47, GOS is doing worse than 66.95% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 8.47 | ||
| Debt/FCF | 72.28 | ||
| Altman-Z | -0.19 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
- A Current Ratio of 0.31 indicates that GOS may have some problems paying its short term obligations.
- GOS has a Current ratio of 0.31. This is comparable to the rest of the industry: GOS outperforms 44.07% 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.
- The Quick ratio of GOS (0.31) is comparable to the rest of the industry.
| 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 26.49%, which is quite impressive.
- GOS shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.50% yearly.
- GOS shows a decrease in Revenue. In the last year, the revenue decreased by -1.38%.
- 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
- The Earnings Per Share is expected to grow by 9.65% on average over the next years. This is quite good.
- The Revenue is expected to grow by 2.56% on average over the next years.
EPS Next Y14.5%
EPS Next 2Y13.25%
EPS Next 3Y12.07%
EPS Next 5Y9.65%
Revenue Next Year9.28%
Revenue Next 2Y7.01%
Revenue Next 3Y4.97%
Revenue Next 5Y2.56%
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
- Based on the Price/Earnings ratio of 18.20, 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 65.25% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 28.32. GOS is valued slightly cheaper when compared to this.
- Based on the Price/Forward Earnings ratio of 15.90, the valuation of GOS can be described as correct.
- Based on the Price/Forward Earnings ratio, GOS is valued a bit cheaper than the industry average as 72.03% of the companies are valued more expensively.
- GOS's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.57.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.2 | ||
| Fwd PE | 15.9 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, GOS is valued a bit cheaper than 67.80% of the companies in the same industry.
- 79.66% 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 | 17.76 | ||
| EV/EBITDA | 20.6 |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- A more expensive valuation may be justified as GOS's earnings are expected to grow with 12.07% in the coming years.
PEG (NY)1.26
PEG (5Y)1.73
EPS Next 2Y13.25%
EPS Next 3Y12.07%
5. Dividend
5.1 Amount
- GOS has a Yearly Dividend Yield of 1.91%.
- Compared to an average industry Dividend Yield of 3.02, GOS has a dividend in line with its industry peers.
- GOS's Dividend Yield is comparable with the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.91% |
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
- 31.36% of the earnings are spent on dividend by GOS. This is a low number and 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 2Y13.25%
EPS Next 3Y12.07%
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 for GOS 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 3 / 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%.