GOLDMAN SACHS GROUP INC (GOS.DE) Fundamental Analysis & Valuation

FRA:GOS • US38141G1040

Current stock price

746.1 EUR
-1.6 (-0.21%)
Last:

This GOS.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. GOS.DE Profitability Analysis

1.1 Basic Checks

  • In the past year GOS was profitable.
  • In the past year GOS has reported a negative cash flow from operations.
  • In the past 5 years GOS has always been profitable.
  • In multiple years GOS reported negative operating cash flow during the last 5 years.
GOS.DE Yearly Net Income VS EBIT VS OCF VS FCFGOS.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B -40B

1.2 Ratios

  • GOS has a Return On Assets (0.90%) which is in line with its industry peers.
  • Looking at the Return On Equity, with a value of 13.04%, GOS is in the better half of the industry, outperforming 70.18% of the companies in the same industry.
  • GOS has a Return On Invested Capital (1.13%) which is in line with its industry peers.
  • The Average Return On Invested Capital over the past 3 years for GOS is significantly below the industry average of 9.73%.
  • The 3 year average ROIC (0.96%) for GOS is below the current ROIC(1.13%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 0.9%
ROE 13.04%
ROIC 1.13%
ROA(3y)0.73%
ROA(5y)0.88%
ROE(3y)10.3%
ROE(5y)11.86%
ROIC(3y)0.96%
ROIC(5y)1.13%
GOS.DE Yearly ROA, ROE, ROICGOS.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • GOS has a Profit Margin (13.03%) which is in line with its industry peers.
  • GOS's Profit Margin has declined in the last couple of years.
  • GOS has a better Operating Margin (17.47%) than 60.53% of its industry peers.
  • In the last couple of years the Operating Margin of GOS has declined.
  • GOS's Gross Margin of 40.20% is fine compared to the rest of the industry. GOS outperforms 64.04% of its industry peers.
  • GOS's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 17.47%
PM (TTM) 13.03%
GM 40.2%
OM growth 3Y-3.81%
OM growth 5Y-8.77%
PM growth 3Y-5.96%
PM growth 5Y-3.81%
GM growth 3Y-13.08%
GM growth 5Y-12.14%
GOS.DE Yearly Profit, Operating, Gross MarginsGOS.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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2

2. GOS.DE Health Analysis

2.1 Basic Checks

  • GOS has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for GOS has been reduced compared to 5 years ago.
  • The debt/assets ratio for GOS has been reduced compared to a year ago.
GOS.DE Yearly Shares OutstandingGOS.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M
GOS.DE Yearly Total Debt VS Total AssetsGOS.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500B 1T 1.5T

2.2 Solvency

  • A Debt/Equity ratio of 8.74 is on the high side and indicates that GOS has dependencies on debt financing.
  • GOS has a worse Debt to Equity ratio (8.74) than 67.54% of its industry peers.
Industry RankSector Rank
Debt/Equity 8.74
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
GOS.DE Yearly LT Debt VS Equity VS FCFGOS.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100B 200B

2.3 Liquidity

  • GOS has a Current Ratio of 0.32. This is a bad value and indicates that GOS is not financially healthy enough and could expect problems in meeting its short term obligations.
  • GOS has a Current ratio of 0.32. This is comparable to the rest of the industry: GOS outperforms 42.11% of its industry peers.
  • A Quick Ratio of 0.32 indicates that GOS may have some problems paying its short term obligations.
  • GOS has a Quick ratio of 0.32. This is comparable to the rest of the industry: GOS outperforms 42.11% of its industry peers.
Industry RankSector Rank
Current Ratio 0.32
Quick Ratio 0.32
GOS.DE Yearly Current Assets VS Current LiabilitesGOS.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200B 400B 600B 800B 1T

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. GOS.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 26.49% over the past year.
  • Measured over the past years, GOS shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.50% on average per year.
  • The Revenue has decreased by -1.38% in the past year.
  • The Revenue has been growing by 17.29% on average over the past years. This is quite good.
EPS 1Y (TTM)26.49%
EPS 3Y19.49%
EPS 5Y10.5%
EPS Q2Q%17.24%
Revenue 1Y (TTM)-1.38%
Revenue growth 3Y22.11%
Revenue growth 5Y17.29%
Sales Q2Q%-2.99%

3.2 Future

  • GOS is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.49% yearly.
  • Based on estimates for the next years, GOS will show a small growth in Revenue. The Revenue will grow by 3.66% on average per year.
EPS Next Y16.82%
EPS Next 2Y14.13%
EPS Next 3Y12.43%
EPS Next 5Y10.49%
Revenue Next Year9.33%
Revenue Next 2Y7.01%
Revenue Next 3Y5.14%
Revenue Next 5Y3.66%

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.
  • 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.
GOS.DE Yearly Revenue VS EstimatesGOS.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 20B 40B 60B 80B 100B
GOS.DE Yearly EPS VS EstimatesGOS.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 20 40 60 80 100

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4

4. GOS.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 16.88 indicates a correct valuation of GOS.
  • GOS's Price/Earnings ratio is a bit cheaper when compared to the industry. GOS is cheaper than 69.30% of the companies in the same industry.
  • GOS is valuated rather cheaply when we compare the Price/Earnings ratio to 25.51, which is the current average of the S&P500 Index.
  • GOS is valuated correctly with a Price/Forward Earnings ratio of 14.45.
  • Based on the Price/Forward Earnings ratio, GOS is valued a bit cheaper than 73.68% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.76. GOS is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 16.88
Fwd PE 14.45
GOS.DE Price Earnings VS Forward Price EarningsGOS.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • GOS's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. GOS is cheaper than 73.68% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 18.7
GOS.DE Per share dataGOS.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 100 -100 200 300

4.3 Compensation for Growth

  • GOS's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • GOS's earnings are expected to grow with 12.43% in the coming years. This may justify a more expensive valuation.
PEG (NY)1
PEG (5Y)1.61
EPS Next 2Y14.13%
EPS Next 3Y12.43%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. GOS.DE Dividend Analysis

5.1 Amount

  • GOS has a Yearly Dividend Yield of 2.19%.
  • Compared to an average industry Dividend Yield of 3.30, GOS has a dividend in line with its industry peers.
  • GOS's Dividend Yield is comparable with the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 2.19%

5.2 History

  • On average, the dividend of GOS grows each year by 20.67%, which is quite nice.
Dividend Growth(5Y)20.67%
Div Incr Years6
Div Non Decr Years6
GOS.DE Yearly Dividends per shareGOS.DE Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6 8 10

5.3 Sustainability

  • 32.37% 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.
DP32.37%
EPS Next 2Y14.13%
EPS Next 3Y12.43%
GOS.DE Yearly Income VS Free CF VS DividendGOS.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B -40B
GOS.DE Dividend Payout.GOS.DE Dividend Payout, showing the Payout Ratio.GOS.DE Dividend Payout.PayoutRetained Earnings

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GOS.DE Fundamentals: All Metrics, Ratios and Statistics

GOLDMAN SACHS GROUP INC

FRA:GOS (4/2/2026, 5:12:59 PM)

746.1

-1.6 (-0.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-19
Earnings (Next)04-13
Inst Owners75.45%
Inst Owner ChangeN/A
Ins Owners0.5%
Ins Owner ChangeN/A
Market Cap221.41B
Revenue(TTM)125.10B
Net Income(TTM)16.30B
Analysts72.5
Price Target833.46 (11.71%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.19%
Yearly Dividend15.01
Dividend Growth(5Y)20.67%
DP32.37%
Div Incr Years6
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.34%
Min EPS beat(2)8.14%
Max EPS beat(2)16.53%
EPS beat(4)4
Avg EPS beat(4)11.71%
Min EPS beat(4)8.14%
Max EPS beat(4)16.53%
EPS beat(8)8
Avg EPS beat(8)17.25%
EPS beat(12)10
Avg EPS beat(12)16.82%
EPS beat(16)13
Avg EPS beat(16)12.28%
Revenue beat(2)1
Avg Revenue beat(2)-0.35%
Min Revenue beat(2)-5.29%
Max Revenue beat(2)4.58%
Revenue beat(4)2
Avg Revenue beat(4)0.8%
Min Revenue beat(4)-5.29%
Max Revenue beat(4)5.15%
Revenue beat(8)5
Avg Revenue beat(8)2.8%
Revenue beat(12)8
Avg Revenue beat(12)9.75%
Revenue beat(16)12
Avg Revenue beat(16)19.58%
PT rev (1m)0%
PT rev (3m)18%
EPS NQ rev (1m)0.06%
EPS NQ rev (3m)6.09%
EPS NY rev (1m)-0.16%
EPS NY rev (3m)5.36%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.86%
Revenue NY rev (1m)0.05%
Revenue NY rev (3m)2.83%
Valuation
Industry RankSector Rank
PE 16.88
Fwd PE 14.45
P/S 2.05
P/FCF N/A
P/OCF N/A
P/B 2.06
P/tB 2.06
EV/EBITDA 18.7
EPS(TTM)44.2
EY5.92%
EPS(NY)51.63
Fwd EY6.92%
FCF(TTM)-137.11
FCFYN/A
OCF(TTM)-131.12
OCFYN/A
SpS363.25
BVpS362.97
TBVpS362.97
PEG (NY)1
PEG (5Y)1.61
Graham Number600.81
Profitability
Industry RankSector Rank
ROA 0.9%
ROE 13.04%
ROCE 3.11%
ROIC 1.13%
ROICexc 1.27%
ROICexgc 1.3%
OM 17.47%
PM (TTM) 13.03%
GM 40.2%
FCFM N/A
ROA(3y)0.73%
ROA(5y)0.88%
ROE(3y)10.3%
ROE(5y)11.86%
ROIC(3y)0.96%
ROIC(5y)1.13%
ROICexc(3y)1.11%
ROICexc(5y)1.39%
ROICexgc(3y)1.13%
ROICexgc(5y)1.4%
ROCE(3y)2.76%
ROCE(5y)3.09%
ROICexgc growth 3Y1.88%
ROICexgc growth 5Y-4.51%
ROICexc growth 3Y1.29%
ROICexc growth 5Y-4.9%
OM growth 3Y-3.81%
OM growth 5Y-8.77%
PM growth 3Y-5.96%
PM growth 5Y-3.81%
GM growth 3Y-13.08%
GM growth 5Y-12.14%
F-Score5
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 8.74
Debt/FCF N/A
Debt/EBITDA 45.44
Cap/Depr 94.59%
Cap/Sales 1.65%
Interest Coverage 0.33
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.32
Quick Ratio 0.32
Altman-Z N/A
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)76.57%
Cap/Depr(5y)122.8%
Cap/Sales(3y)1.81%
Cap/Sales(5y)3.61%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)26.49%
EPS 3Y19.49%
EPS 5Y10.5%
EPS Q2Q%17.24%
EPS Next Y16.82%
EPS Next 2Y14.13%
EPS Next 3Y12.43%
EPS Next 5Y10.49%
Revenue 1Y (TTM)-1.38%
Revenue growth 3Y22.11%
Revenue growth 5Y17.29%
Sales Q2Q%-2.99%
Revenue Next Year9.33%
Revenue Next 2Y7.01%
Revenue Next 3Y5.14%
Revenue Next 5Y3.66%
EBIT growth 1Y18.32%
EBIT growth 3Y17.45%
EBIT growth 5Y7%
EBIT Next Year-8.23%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-208.55%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-241.76%
OCF growth 3YN/A
OCF growth 5YN/A

GOLDMAN SACHS GROUP INC / GOS.DE Fundamental Analysis 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 for GOS stock?

ChartMill assigns a valuation rating of 4 / 10 to GOLDMAN SACHS GROUP INC (GOS.DE). This can be considered as Fairly Valued.


How profitable is GOLDMAN SACHS GROUP INC (GOS.DE) 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.


What is the expected EPS growth for GOLDMAN SACHS GROUP INC (GOS.DE) stock?

The Earnings per Share (EPS) of GOLDMAN SACHS GROUP INC (GOS.DE) is expected to grow by 16.82% in the next year.