GOLDMAN SACHS GROUP INC (1GS.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1GS - US38141G1040 - Common Stock
685 EUR
+48.1 (+7.55%)
We assign a fundamental rating of 4 out of 10 to 1GS. 1GS was compared to 121 industry peers in the Capital Markets industry. There are concerns on the financial health of 1GS while its profitability can be described as average. 1GS has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year 1GS was profitable.
In the past year 1GS has reported a negative cash flow from operations.
In the past 5 years 1GS has always been profitable.
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
The Return On Assets of 1GS (0.83%) is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 11.89%, 1GS is in the better half of the industry, outperforming 64.60% of the companies in the same industry.
The Return On Invested Capital of 1GS (1.09%) is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for 1GS is significantly below the industry average of 9.05%.
The 3 year average ROIC (0.90%) for 1GS is below the current ROIC(1.09%), indicating increased profibility in the last year.
| 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
1GS has a Profit Margin (11.66%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of 1GS has declined.
Looking at the Operating Margin, with a value of 15.66%, 1GS is in the better half of the industry, outperforming 61.95% of the companies in the same industry.
In the last couple of years the Operating Margin of 1GS has declined.
1GS has a Gross Margin (38.58%) which is comparable to the rest of the industry.
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.
Compared to 5 years ago, 1GS has less shares outstanding
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.
With a Altman-Z score value of -0.21, 1GS perfoms like the industry average, 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.
1GS has a Debt to Equity ratio of 8.42. This is in the lower half of the industry: 1GS underperforms 69.91% of its industry peers.
| 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.
1GS has a Current ratio (0.30) which is in line with its industry peers.
A Quick Ratio of 0.30 indicates that 1GS may have some problems paying its short term obligations.
The Quick ratio of 1GS (0.30) 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.
1GS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 18.23% yearly.
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 Y23.32%
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
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
With a Price/Earnings ratio of 16.09, 1GS is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of 1GS indicates a somewhat cheap valuation: 1GS is cheaper than 68.14% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.46. 1GS is valued slightly cheaper when compared to this.
With a Price/Forward Earnings ratio of 13.93, 1GS is valued correctly.
Based on the Price/Forward Earnings ratio, 1GS is valued a bit cheaper than the industry average as 76.11% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of 1GS to the average of the S&P500 Index (36.10), we can say 1GS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.09 | ||
| Fwd PE | 13.93 |
4.2 Price Multiples
1GS's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. 1GS is cheaper than 69.03% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 20.57 |
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 16.28% in the coming years. This may justify a more expensive valuation.
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%.
1GS's Dividend Yield is comparable with the industry average which is at 5.55.
Compared to an average S&P500 Dividend Yield of 2.32, 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
1GS pays out 31.57% of its income as dividend. This is a 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 (11/24/2025, 7:00:00 PM)
685
+48.1 (+7.55%)
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 Cap207.36B
Revenue(TTM)127.21B
Net Income(TTM)14.76B
Analysts73.13
Price Target693.56 (1.25%)
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 | 16.09 | ||
| Fwd PE | 13.93 | ||
| 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
EY6.22%
EPS(NY)49.19
Fwd EY7.18%
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 16.09 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.