GOLDMAN SACHS GROUP INC (GOS.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:GOS - US38141G1040 - Common Stock
760.1 EUR
-1.5 (-0.2%)
GOS gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 117 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 has a decent growth rate and is not valued too expensively.
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.
Each year in the past 5 years GOS has 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.
With a decent Return On Equity value of 12.77%, GOS is doing good in the industry, outperforming 66.67% of the companies in the same industry.
GOS has a Return On Invested Capital of 1.13%. This is comparable to the rest of the industry: GOS outperforms 51.28% of its industry peers.
GOS had an Average Return On Invested Capital over the past 3 years of 0.90%. This is significantly below the industry average of 8.62%.
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
Looking at the Profit Margin, with a value of 12.45%, GOS is in line with its industry, outperforming 52.14% of the companies in the same 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.
GOS's Gross Margin of 40.13% is in line compared to the rest of the industry. GOS outperforms 59.83% of its industry peers.
GOS's Gross Margin has declined in the last couple of years.
| 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
Compared to 1 year ago, GOS has less shares outstanding
GOS has less shares outstanding than it did 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.
Looking at the Debt to FCF ratio, with a value of 72.29, GOS is in line with its industry, outperforming 59.83% of the companies in the same industry.
A Debt/Equity ratio of 8.60 is on the high side and indicates that GOS has dependencies on debt financing.
The Debt to Equity ratio of GOS (8.60) is worse than 72.65% 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
A Current Ratio of 0.31 indicates that GOS may have some problems paying its short term obligations.
GOS has a Current ratio (0.31) which is in line with its industry peers.
A Quick Ratio of 0.31 indicates that GOS may have some problems paying its short term obligations.
GOS's Quick ratio of 0.31 is in line compared to the rest of the industry. GOS outperforms 42.73% of its industry peers.
| 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 44.45%, which is quite impressive.
The Earnings Per Share has been growing by 14.07% on average over the past years. This is quite good.
GOS shows a small growth in Revenue. In the last year, the Revenue has grown by 3.36%.
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
The Earnings Per Share is expected to grow by 13.33% 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 4.85% yearly.
EPS Next Y23.5%
EPS Next 2Y18.42%
EPS Next 3Y16.2%
EPS Next 5Y13.33%
Revenue Next Year13.42%
Revenue Next 2Y9.32%
Revenue Next 3Y7.63%
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
GOS is valuated rather expensively with a Price/Earnings ratio of 18.15.
GOS's Price/Earnings ratio is a bit cheaper when compared to the industry. GOS is cheaper than 63.25% of the companies in the same industry.
When comparing the Price/Earnings ratio of GOS to the average of the S&P500 Index (26.77), we can say GOS is valued slightly cheaper.
Based on the Price/Forward Earnings ratio of 15.71, the valuation of GOS can be described as correct.
Based on the Price/Forward Earnings ratio, GOS is valued a bit cheaper than 73.50% of the companies in the same industry.
GOS is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.35, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.15 | ||
| Fwd PE | 15.71 |
4.2 Price Multiples
GOS's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. GOS is cheaper than 70.94% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, GOS is valued a bit cheaper than the industry average as 78.63% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17 | ||
| EV/EBITDA | 19.19 |
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.
A more expensive valuation may be justified as GOS's earnings are expected to grow with 16.20% in the coming years.
PEG (NY)0.77
PEG (5Y)1.29
EPS Next 2Y18.42%
EPS Next 3Y16.2%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.76%, GOS has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.29, GOS has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.00, GOS has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.76% |
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
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 2Y18.42%
EPS Next 3Y16.2%
FRA:GOS (12/30/2025, 7:00:00 PM)
760.1
-1.5 (-0.2%)
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 Cap227.98B
Revenue(TTM)127.21B
Net Income(TTM)15.84B
Analysts73.13
Price Target706.33 (-7.07%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.76% |
Yearly Dividend12.03
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)0.61%
PT rev (3m)13.43%
EPS NQ rev (1m)0.11%
EPS NQ rev (3m)3.83%
EPS NY rev (1m)0.15%
EPS NY rev (3m)4.64%
Revenue NQ rev (1m)-0.09%
Revenue NQ rev (3m)4.89%
Revenue NY rev (1m)0.16%
Revenue NY rev (3m)3.58%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.15 | ||
| Fwd PE | 15.71 | ||
| P/S | 2.11 | ||
| P/FCF | 17 | ||
| P/OCF | 14.98 | ||
| P/B | 2.16 | ||
| P/tB | 2.16 | ||
| EV/EBITDA | 19.19 |
EPS(TTM)41.87
EY5.51%
EPS(NY)48.37
Fwd EY6.36%
FCF(TTM)44.72
FCFY5.88%
OCF(TTM)50.73
OCFY6.67%
SpS360.75
BVpS351.65
TBVpS351.65
PEG (NY)0.77
PEG (5Y)1.29
Graham Number575.57
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 Y23.5%
EPS Next 2Y18.42%
EPS Next 3Y16.2%
EPS Next 5Y13.33%
Revenue 1Y (TTM)3.36%
Revenue growth 3Y24.97%
Revenue growth 5Y18.23%
Sales Q2Q%19.57%
Revenue Next Year13.42%
Revenue Next 2Y9.32%
Revenue Next 3Y7.63%
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%.