GOLDMAN SACHS GROUP INC (1GS.MI) Stock Fundamental Analysis
Europe - BIT:1GS - US38141G1040 - Common Stock
683.5 EUR
+46.6 (+7.32%)
1GS gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 112 industry peers in the Capital Markets industry. 1GS has a medium profitability rating, but doesn't score so well on its financial health evaluation. 1GS is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year 1GS was profitable.
1GS had a negative operating cash flow in the past year.
In the past 5 years 1GS has always been profitable.
In multiple years 1GS reported negative operating cash flow during the last 5 years.
1.2 Ratios
1GS has a Return On Assets (0.83%) which is in line with its industry peers.
1GS has a better Return On Equity (11.89%) than 64.60% of its industry peers.
With a Return On Invested Capital value of 1.09%, 1GS perfoms like the industry average, outperforming 53.98% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for 1GS is significantly below the industry average of 8.50%.
The last Return On Invested Capital (1.09%) for 1GS is above the 3 year average (0.90%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.83% | ||
| ROE | 11.89% | ||
| ROIC | 1.09% |
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 11.66%, 1GS is in line with its industry, outperforming 52.21% of the companies in the same industry.
1GS's Profit Margin has declined in the last couple of years.
With a decent Operating Margin value of 15.66%, 1GS is doing good in the industry, outperforming 61.95% of the companies in the same industry.
1GS's Operating Margin has declined in the last couple of years.
1GS has a Gross Margin (38.58%) which is in line with its industry peers.
In the last couple of years the Gross Margin of 1GS has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.66% | ||
| PM (TTM) | 11.66% | ||
| GM | 38.58% |
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 1GS has been reduced compared to 1 year ago.
1GS has less shares outstanding than it did 5 years ago.
1GS has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of -0.21, we must say that 1GS is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of -0.21, 1GS is in line with its industry, outperforming 43.36% of the companies in the same industry.
A Debt/Equity ratio of 8.42 is on the high side and indicates that 1GS has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 8.42, 1GS is doing worse than 69.91% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 8.42 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -0.21 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
1GS has a Current Ratio of 0.30. This is a bad value and indicates that 1GS is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 0.30, 1GS is in line with its industry, outperforming 43.36% of the companies in the same industry.
1GS has a Quick Ratio of 0.30. This is a bad value and indicates that 1GS is not financially healthy enough and could expect problems in meeting its short term obligations.
1GS has a Quick ratio (0.30) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.3 | ||
| Quick Ratio | 0.3 |
3. Growth
3.1 Past
1GS 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.
Looking at the last year, 1GS 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
1GS is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.33% yearly.
Based on estimates for the next years, 1GS will show a small growth in Revenue. The Revenue will grow by 4.85% on average per year.
EPS Next Y23.32%
EPS Next 2Y18.42%
EPS Next 3Y16.28%
EPS Next 5Y13.33%
Revenue Next Year13.23%
Revenue Next 2Y9.21%
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
The Price/Earnings ratio is 16.05, which indicates a correct valuation of 1GS.
68.14% of the companies in the same industry are more expensive than 1GS, based on the Price/Earnings ratio.
1GS's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.83.
Based on the Price/Forward Earnings ratio of 13.90, the valuation of 1GS can be described as correct.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1GS indicates a somewhat cheap valuation: 1GS is cheaper than 76.11% of the companies listed in the same industry.
1GS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 32.68.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.05 | ||
| Fwd PE | 13.9 |
4.2 Price Multiples
69.03% of the companies in the same industry are more expensive than 1GS, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 20.57 |
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 1GS's earnings are expected to grow with 16.28% in the coming years.
PEG (NY)0.69
PEG (5Y)1.14
EPS Next 2Y18.42%
EPS Next 3Y16.28%
5. Dividend
5.1 Amount
1GS has a Yearly Dividend Yield of 2.03%. Purely for dividend investing, there may be better candidates out there.
1GS's Dividend Yield is comparable with the industry average which is at 5.71.
Compared to an average S&P500 Dividend Yield of 2.37, 1GS has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.03% |
5.2 History
The dividend of 1GS is nicely growing with an annual growth rate of 19.24%!
Dividend Growth(5Y)19.24%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
31.57% of the earnings are spent on dividend by 1GS. This is a low number and sustainable payout ratio.
The dividend of 1GS is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP31.57%
EPS Next 2Y18.42%
EPS Next 3Y16.28%
BIT:1GS (10/31/2025, 7:00:00 PM)
683.5
+46.6 (+7.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners74.17%
Inst Owner ChangeN/A
Ins Owners0.51%
Ins Owner ChangeN/A
Market Cap206.91B
Revenue(TTM)127.21B
Net Income(TTM)14.76B
Analysts73.13
Price Target693.56 (1.47%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.03% |
Yearly Dividend12.27
Dividend Growth(5Y)19.24%
DP31.57%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.09%
Min EPS beat(2)11%
Max EPS beat(2)11.18%
EPS beat(4)4
Avg EPS beat(4)20.42%
Min EPS beat(4)11%
Max EPS beat(4)41.07%
EPS beat(8)7
Avg EPS beat(8)20.6%
EPS beat(12)9
Avg EPS beat(12)11.68%
EPS beat(16)12
Avg EPS beat(16)12.72%
Revenue beat(2)1
Avg Revenue beat(2)1.95%
Min Revenue beat(2)-1.25%
Max Revenue beat(2)5.15%
Revenue beat(4)3
Avg Revenue beat(4)4.26%
Min Revenue beat(4)-1.25%
Max Revenue beat(4)8.67%
Revenue beat(8)6
Avg Revenue beat(8)3.43%
Revenue beat(12)9
Avg Revenue beat(12)21.88%
Revenue beat(16)13
Avg Revenue beat(16)21.96%
PT rev (1m)9.87%
PT rev (3m)17.02%
EPS NQ rev (1m)4.79%
EPS NQ rev (3m)4.36%
EPS NY rev (1m)4.67%
EPS NY rev (3m)8.34%
Revenue NQ rev (1m)2.83%
Revenue NQ rev (3m)2.83%
Revenue NY rev (1m)3.41%
Revenue NY rev (3m)3.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.05 | ||
| Fwd PE | 13.9 | ||
| P/S | 1.89 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.93 | ||
| P/tB | 2.04 | ||
| EV/EBITDA | 20.57 |
EPS(TTM)42.58
EY6.23%
EPS(NY)49.19
Fwd EY7.2%
FCF(TTM)-71.09
FCFYN/A
OCF(TTM)-65.3
OCFYN/A
SpS361.69
BVpS354.59
TBVpS335.04
PEG (NY)0.69
PEG (5Y)1.14
Graham Number582.85
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.83% | ||
| ROE | 11.89% | ||
| ROCE | 2.98% | ||
| ROIC | 1.09% | ||
| ROICexc | 1.23% | ||
| ROICexgc | 1.23% | ||
| OM | 15.66% | ||
| PM (TTM) | 11.66% | ||
| GM | 38.58% | ||
| FCFM | N/A |
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-Score4
Asset Turnover0.07
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 8.42 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 47.34 | ||
| Cap/Depr | 90.37% | ||
| Cap/Sales | 1.6% | ||
| Interest Coverage | 0.28 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.3 | ||
| Quick Ratio | 0.3 | ||
| Altman-Z | -0.21 |
F-Score4
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 Y23.32%
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 Year13.23%
Revenue Next 2Y9.21%
Revenue Next 3Y7.66%
Revenue Next 5Y4.85%
EBIT growth 1Y33.9%
EBIT growth 3Y-11.94%
EBIT growth 5Y11.78%
EBIT Next Year1.64%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-217.65%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-194.61%
OCF growth 3YN/A
OCF growth 5YN/A
GOLDMAN SACHS GROUP INC / 1GS.MI FAQ
What is the ChartMill fundamental rating of GOLDMAN SACHS GROUP INC (1GS.MI) stock?
ChartMill assigns a fundamental rating of 3 / 10 to 1GS.MI.
Can you provide the valuation status for GOLDMAN SACHS GROUP INC?
ChartMill assigns a valuation rating of 4 / 10 to GOLDMAN SACHS GROUP INC (1GS.MI). This can be considered as Fairly Valued.
How profitable is GOLDMAN SACHS GROUP INC (1GS.MI) stock?
GOLDMAN SACHS GROUP INC (1GS.MI) has a profitability rating of 4 / 10.
What is the valuation of GOLDMAN SACHS GROUP INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for GOLDMAN SACHS GROUP INC (1GS.MI) is 16.05 and the Price/Book (PB) ratio is 1.93.
How financially healthy is GOLDMAN SACHS GROUP INC?
The financial health rating of GOLDMAN SACHS GROUP INC (1GS.MI) is 1 / 10.