GOLDMAN SACHS GROUP INC (GOS.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:GOS - US38141G1040 - Common Stock
732.9 EUR
+13.8 (+1.92%)
We assign a fundamental rating of 4 out of 10 to GOS. GOS was compared to 118 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 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.
Each year in the past 5 years GOS has been profitable.
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 47.11% of the companies in the same industry.
The Return On Equity of GOS (12.77%) is better than 65.29% of its industry peers.
GOS has a Return On Invested Capital of 1.13%. This is comparable to the rest of the industry: GOS outperforms 49.59% of its industry peers.
The Average Return On Invested Capital over the past 3 years for GOS is significantly below the industry average of 9.11%.
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
The Profit Margin of GOS (12.45%) is comparable to the rest of the industry.
GOS's Profit Margin has declined in the last couple of years.
With a Operating Margin value of 16.70%, GOS perfoms like the industry average, outperforming 57.85% of the companies in the same industry.
In the last couple of years the Operating Margin of GOS has declined.
The Gross Margin of GOS (40.13%) is comparable to the rest of the industry.
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
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.
GOS has a Debt to FCF ratio of 72.29. This is comparable to the rest of the industry: GOS outperforms 58.68% 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 73.55% 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.
With a Current ratio value of 0.31, GOS is not doing good in the industry: 60.33% of the companies in the same industry are doing better.
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.
Looking at the Quick ratio, with a value of 0.31, GOS is doing worse than 60.33% of the companies in the same 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 44.45%, which is quite impressive.
Measured over the past years, GOS shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.07% on average per year.
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.
The Revenue is expected to grow by 4.85% on average over the next years.
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 17.33 indicates a rather expensive valuation of GOS.
Based on the Price/Earnings ratio, GOS is valued a bit cheaper than 66.12% of the companies in the same industry.
GOS is valuated rather cheaply when we compare the Price/Earnings ratio to 26.49, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 15.01 indicates a correct valuation of GOS.
GOS's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. GOS is cheaper than 75.21% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of GOS to the average of the S&P500 Index (23.69), we can say GOS is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.33 | ||
| Fwd PE | 15.01 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, GOS is valued a bit cheaper than the industry average as 70.25% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, GOS is valued a bit cheaper than the industry average as 79.34% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.23 | ||
| EV/EBITDA | 18.68 |
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 16.28% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.74
PEG (5Y)1.23
EPS Next 2Y18.42%
EPS Next 3Y16.28%
5. Dividend
5.1 Amount
GOS has a Yearly Dividend Yield of 1.91%.
Compared to an average industry Dividend Yield of 5.31, GOS pays a bit more dividend than its industry peers.
GOS's Dividend Yield is comparable with the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.91% |
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 (12/5/2025, 7:00:00 PM)
732.9
+13.8 (+1.92%)
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 Cap219.82B
Revenue(TTM)127.21B
Net Income(TTM)15.84B
Analysts73.13
Price Target693.37 (-5.39%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.91% |
Yearly Dividend12.18
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)0.5%
PT rev (3m)10%
EPS NQ rev (1m)-0.61%
EPS NQ rev (3m)3.47%
EPS NY rev (1m)0.07%
EPS NY rev (3m)4.74%
Revenue NQ rev (1m)0.12%
Revenue NQ rev (3m)4.93%
Revenue NY rev (1m)0.15%
Revenue NY rev (3m)3.56%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.33 | ||
| Fwd PE | 15.01 | ||
| P/S | 2.01 | ||
| P/FCF | 16.23 | ||
| P/OCF | 14.31 | ||
| P/B | 2.06 | ||
| P/tB | 2.06 | ||
| EV/EBITDA | 18.68 |
EPS(TTM)42.28
EY5.77%
EPS(NY)48.83
Fwd EY6.66%
FCF(TTM)45.15
FCFY6.16%
OCF(TTM)51.22
OCFY6.99%
SpS364.22
BVpS355.03
TBVpS355.03
PEG (NY)0.74
PEG (5Y)1.23
Graham Number581.15
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 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 1 / 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%.