GOLDMAN SACHS GROUP INC (1GS.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1GS - US38141G1040 - Common Stock
803.6 EUR
-4.7 (-0.58%)
Taking everything into account, 1GS scores 4 out of 10 in our fundamental rating. 1GS was compared to 125 industry peers in the Capital Markets industry. While 1GS is still in line with the averages on profitability rating, there are concerns on its financial health. 1GS has a correct valuation and a medium growth rate. 1GS also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- 1GS had positive earnings in the past year.
- 1GS had a positive operating cash flow in the past year.
- 1GS had positive earnings in each of the past 5 years.
- The reported operating cash flow has been mixed in the past 5 years: 1GS reported negative operating cash flow in multiple years.
1.2 Ratios
- With a Return On Assets value of 0.88%, 1GS perfoms like the industry average, outperforming 49.60% of the companies in the same industry.
- 1GS's Return On Equity of 12.77% is fine compared to the rest of the industry. 1GS outperforms 64.80% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 1.13%, 1GS is in line with its industry, outperforming 52.00% of the companies in the same industry.
- 1GS had an Average Return On Invested Capital over the past 3 years of 0.90%. This is significantly below the industry average of 8.63%.
- The last Return On Invested Capital (1.13%) for 1GS 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
- With a Profit Margin value of 12.45%, 1GS perfoms like the industry average, outperforming 49.60% of the companies in the same industry.
- 1GS's Profit Margin has declined in the last couple of years.
- 1GS has a Operating Margin of 16.70%. This is comparable to the rest of the industry: 1GS outperforms 57.60% of its industry peers.
- 1GS's Operating Margin has declined in the last couple of years.
- 1GS has a Gross Margin of 40.13%. This is comparable to the rest of the industry: 1GS outperforms 58.40% of its industry peers.
- In the last couple of years the Gross Margin of 1GS has declined.
| 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 1GS has been reduced compared to 1 year ago.
- 1GS has less shares outstanding than it did 5 years ago.
- The debt/assets ratio for 1GS is higher compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of 1GS is 72.29, which is on the high side as it means it would take 1GS, 72.29 years of fcf income to pay off all of its debts.
- The Debt to FCF ratio of 1GS (72.29) is comparable to the rest of the industry.
- 1GS has a Debt/Equity ratio of 8.60. This is a high value indicating a heavy dependency on external financing.
- 1GS has a worse Debt to Equity ratio (8.60) than 68.00% 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
- 1GS has a Current Ratio of 0.31. 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's Current ratio of 0.31 is in line compared to the rest of the industry. 1GS outperforms 44.00% of its industry peers.
- A Quick Ratio of 0.31 indicates that 1GS may have some problems paying its short term obligations.
- Looking at the Quick ratio, with a value of 0.31, 1GS is in line with its industry, outperforming 44.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.31 | ||
| Quick Ratio | 0.31 |
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.
- Measured over the past years, 1GS shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.07% on average per year.
- The Revenue has been growing slightly by 3.36% in the past 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, 1GS will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.33% on average per year.
- 1GS 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.
- 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
- Based on the Price/Earnings ratio of 19.02, the valuation of 1GS can be described as rather expensive.
- 64.80% of the companies in the same industry are more expensive than 1GS, based on the Price/Earnings ratio.
- The average S&P500 Price/Earnings ratio is at 27.30. 1GS is valued slightly cheaper when compared to this.
- The Price/Forward Earnings ratio is 16.47, which indicates a correct valuation of 1GS.
- 72.00% of the companies in the same industry are more expensive than 1GS, based on the Price/Forward Earnings ratio.
- 1GS is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.04, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.02 | ||
| Fwd PE | 16.47 |
4.2 Price Multiples
- 72.80% of the companies in the same industry are more expensive than 1GS, based on the Enterprise Value to EBITDA ratio.
- 1GS's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. 1GS is cheaper than 76.80% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.81 | ||
| EV/EBITDA | 19.74 |
4.3 Compensation for Growth
- 1GS's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- 1GS's earnings are expected to grow with 16.20% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.81
PEG (5Y)1.35
EPS Next 2Y18.42%
EPS Next 3Y16.2%
5. Dividend
5.1 Amount
- 1GS has a Yearly Dividend Yield of 6.74%, which is a nice return.
- 1GS's Dividend Yield is rather good when compared to the industry average which is at 3.32. 1GS pays more dividend than 95.20% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.92, 1GS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.74% |
5.2 History
- On average, the dividend of 1GS grows each year by 19.24%, which is quite nice.
Dividend Growth(5Y)19.24%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- 1GS pays out 31.36% of its income as dividend. This is a sustainable payout ratio.
- 1GS's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP31.36%
EPS Next 2Y18.42%
EPS Next 3Y16.2%
BIT:1GS (1/12/2026, 7:00:00 PM)
803.6
-4.7 (-0.58%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)10-14 2025-10-14/bmo
Earnings (Next)01-15 2026-01-15/bmo
Inst Owners74.56%
Inst Owner ChangeN/A
Ins Owners0.52%
Ins Owner ChangeN/A
Market Cap241.02B
Revenue(TTM)127.21B
Net Income(TTM)15.84B
Analysts73.13
Price Target694.13 (-13.62%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.74% |
Yearly Dividend12.18
Dividend Growth(5Y)19.24%
DP31.36%
Div Incr Years0
Div Non Decr Years0
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)0.08%
PT rev (3m)9.96%
EPS NQ rev (1m)-0.25%
EPS NQ rev (3m)3.85%
EPS NY rev (1m)0.15%
EPS NY rev (3m)4.82%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)4.89%
Revenue NY rev (1m)0.16%
Revenue NY rev (3m)3.58%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.02 | ||
| Fwd PE | 16.47 | ||
| P/S | 2.21 | ||
| P/FCF | 17.81 | ||
| P/OCF | 15.7 | ||
| P/B | 2.27 | ||
| P/tB | 2.27 | ||
| EV/EBITDA | 19.74 |
EPS(TTM)42.24
EY5.26%
EPS(NY)48.8
Fwd EY6.07%
FCF(TTM)45.11
FCFY5.61%
OCF(TTM)51.18
OCFY6.37%
SpS363.94
BVpS354.75
TBVpS354.75
PEG (NY)0.81
PEG (5Y)1.35
Graham Number580.65
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 / 1GS.MI FAQ
What is the ChartMill fundamental rating of GOLDMAN SACHS GROUP INC (1GS.MI) stock?
ChartMill assigns a fundamental rating of 4 / 10 to 1GS.MI.
What is the valuation status for 1GS stock?
ChartMill assigns a valuation rating of 5 / 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.
Can you provide the PE and PB ratios for 1GS stock?
The Price/Earnings (PE) ratio for GOLDMAN SACHS GROUP INC (1GS.MI) is 19.02 and the Price/Book (PB) ratio is 2.27.
What is the financial health of GOLDMAN SACHS GROUP INC (1GS.MI) stock?
The financial health rating of GOLDMAN SACHS GROUP INC (1GS.MI) is 2 / 10.