GOLDMAN SACHS GROUP INC (GOS.DE) Stock Fundamental Analysis
FRA:GOS - US38141G1040 - Common Stock
625.5 EUR
-10.5 (-1.65%)
Taking everything into account, GOS scores 3 out of 10 in our fundamental rating. GOS was compared to 112 industry peers in the Capital Markets industry. There are concerns on the financial health of GOS while its profitability can be described as average. GOS has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year GOS was profitable.
GOS had a negative operating cash flow in the past year.
GOS had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: GOS reported negative operating cash flow in multiple years.
1.2 Ratios
The Return On Assets of GOS (0.83%) is comparable to the rest of the industry.
GOS's Return On Equity of 11.90% is fine compared to the rest of the industry. GOS outperforms 65.18% of its industry peers.
Looking at the Return On Invested Capital, with a value of 1.07%, GOS is in line with its industry, outperforming 53.57% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for GOS is significantly below the industry average of 8.38%.
The 3 year average ROIC (0.90%) for GOS is below the current ROIC(1.07%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.83% | ||
| ROE | 11.9% | ||
| ROIC | 1.07% |
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 11.66%, GOS perfoms like the industry average, outperforming 52.68% of the companies in the same industry.
In the last couple of years the Profit Margin of GOS has declined.
With a decent Operating Margin value of 15.66%, GOS is doing good in the industry, outperforming 61.61% of the companies in the same industry.
GOS's Operating Margin has declined in the last couple of years.
GOS has a Gross Margin of 38.58%. This is comparable to the rest of the industry: GOS outperforms 58.93% of its industry peers.
GOS's Gross Margin has declined in the last couple of years.
| 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 GOS has been reduced compared to 1 year ago.
Compared to 5 years ago, GOS has less shares outstanding
GOS has a worse debt/assets ratio than last year.
2.2 Solvency
GOS has a Debt/Equity ratio of 8.52. This is a high value indicating a heavy dependency on external financing.
GOS has a Debt to Equity ratio of 8.52. This is in the lower half of the industry: GOS underperforms 68.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 8.52 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.30 indicates that GOS may have some problems paying its short term obligations.
GOS has a Current ratio (0.30) which is in line with its industry peers.
GOS has a Quick Ratio of 0.30. 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 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
The Earnings Per Share has grown by an impressive 45.68% 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 14.07% on average per year.
Looking at the last year, GOS shows a small growth in Revenue. The Revenue has grown by 5.42% in the last year.
GOS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 18.23% yearly.
EPS 1Y (TTM)45.68%
EPS 3Y-11.93%
EPS 5Y14.07%
EPS Q2Q%26.57%
Revenue 1Y (TTM)5.42%
Revenue growth 3Y24.97%
Revenue growth 5Y18.23%
Sales Q2Q%14.55%
3.2 Future
GOS is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.68% yearly.
Based on estimates for the next years, GOS will show a small growth in Revenue. The Revenue will grow by 3.96% on average per year.
EPS Next Y17.82%
EPS Next 2Y15.27%
EPS Next 3Y13.78%
EPS Next 5Y5.68%
Revenue Next Year9.5%
Revenue Next 2Y7.18%
Revenue Next 3Y5.92%
Revenue Next 5Y3.96%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less 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
GOS is valuated correctly with a Price/Earnings ratio of 16.12.
Based on the Price/Earnings ratio, GOS is valued a bit cheaper than 67.86% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.06. GOS is valued slightly cheaper when compared to this.
With a Price/Forward Earnings ratio of 13.58, GOS is valued correctly.
Based on the Price/Forward Earnings ratio, GOS is valued a bit cheaper than the industry average as 77.68% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.69, GOS is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.12 | ||
| Fwd PE | 13.58 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, GOS is valued a bit cheaper than the industry average as 75.89% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 18.92 |
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.
GOS's earnings are expected to grow with 13.78% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.9
PEG (5Y)1.15
EPS Next 2Y15.27%
EPS Next 3Y13.78%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.14%, GOS has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 6.00, GOS has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, GOS has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.14% |
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 31.57% of its income as dividend. This is a sustainable payout ratio.
GOS's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP31.57%
EPS Next 2Y15.27%
EPS Next 3Y13.78%
FRA:GOS (9/5/2025, 7:00:00 PM)
625.5
-10.5 (-1.65%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners74.29%
Inst Owner ChangeN/A
Ins Owners0.52%
Ins Owner ChangeN/A
Market Cap189.35B
Analysts73.55
Price Target630.32 (0.77%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.14% |
Yearly Dividend12.13
Dividend Growth(5Y)19.24%
DP31.57%
Div Incr Years6
Div Non Decr Years6
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)4.83%
PT rev (3m)18.36%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.47%
EPS NY rev (1m)3.51%
EPS NY rev (3m)3.21%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.29%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)2.76%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.12 | ||
| Fwd PE | 13.58 | ||
| P/S | 1.75 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.79 | ||
| P/tB | 1.79 | ||
| EV/EBITDA | 18.92 |
EPS(TTM)38.8
EY6.2%
EPS(NY)46.06
Fwd EY7.36%
FCF(TTM)-70.26
FCFYN/A
OCF(TTM)-64.54
OCFYN/A
SpS357.48
BVpS350.19
TBVpS350.19
PEG (NY)0.9
PEG (5Y)1.15
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.83% | ||
| ROE | 11.9% | ||
| ROCE | 2.92% | ||
| ROIC | 1.07% | ||
| ROICexc | 1.19% | ||
| 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%
ROICexcg growth 3Y-19.38%
ROICexcg 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 | 8.52 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 47.9 | ||
| 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 | N/A |
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)45.68%
EPS 3Y-11.93%
EPS 5Y14.07%
EPS Q2Q%26.57%
EPS Next Y17.82%
EPS Next 2Y15.27%
EPS Next 3Y13.78%
EPS Next 5Y5.68%
Revenue 1Y (TTM)5.42%
Revenue growth 3Y24.97%
Revenue growth 5Y18.23%
Sales Q2Q%14.55%
Revenue Next Year9.5%
Revenue Next 2Y7.18%
Revenue Next 3Y5.92%
Revenue Next 5Y3.96%
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