GOLDMAN SACHS GROUP INC (GOS.DE) Stock Fundamental Analysis
FRA:GOS - Deutsche Boerse Ag - US38141G1040 - Common Stock - Currency: EUR
Taking everything into account, GOS scores 4 out of 10 in our fundamental rating. GOS was compared to 107 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.
In multiple years GOS reported negative operating cash flow during the last 5 years.
1.2 Ratios
GOS's Return On Assets of 0.80% is in line compared to the rest of the industry. GOS outperforms 49.53% of its industry peers.
With a decent Return On Equity value of 11.43%, GOS is doing good in the industry, outperforming 65.42% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 1.02%, GOS is in line with its industry, outperforming 52.34% 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 8.19%.
The 3 year average ROIC (0.90%) for GOS is below the current ROIC(1.02%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.8% | ||
| ROE | 11.43% | ||
| ROIC | 1.02% |
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 11.23%, GOS perfoms like the industry average, outperforming 57.01% of the companies in the same industry.
In the last couple of years the Profit Margin of GOS has declined.
The Operating Margin of GOS (14.89%) is better than 63.55% of its industry peers.
GOS's Operating Margin has declined in the last couple of years.
GOS's Gross Margin of 37.45% is in line compared to the rest of the industry. GOS outperforms 59.81% of its industry peers.
GOS's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.89% | ||
| PM (TTM) | 11.23% | ||
| GM | 37.45% |
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
Compared to 1 year ago, GOS has less shares outstanding
The number of shares outstanding for GOS has been reduced compared to 5 years ago.
The debt/assets ratio for GOS is higher compared to a year ago.
2.2 Solvency
GOS has a Debt/Equity ratio of 8.58. This is a high value indicating a heavy dependency on external financing.
GOS has a worse Debt to Equity ratio (8.58) than 69.16% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 8.58 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.29 indicates that GOS may have some problems paying its short term obligations.
GOS has a Current ratio of 0.29. This is comparable to the rest of the industry: GOS outperforms 43.93% of its industry peers.
A Quick Ratio of 0.29 indicates that GOS may have some problems paying its short term obligations.
GOS's Quick ratio of 0.29 is in line compared to the rest of the industry. GOS outperforms 43.93% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.29 | ||
| Quick Ratio | 0.29 |
3. Growth
3.1 Past
GOS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 68.25%, which is quite impressive.
The Earnings Per Share has been growing by 14.07% on average over the past years. This is quite good.
GOS shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.59%.
Measured over the past years, GOS shows a quite strong growth in Revenue. The Revenue has been growing by 18.23% on average per year.
EPS 1Y (TTM)68.25%
EPS 3Y-11.93%
EPS 5Y14.07%
EPS Q2Q%21.93%
Revenue 1Y (TTM)9.59%
Revenue growth 3Y24.97%
Revenue growth 5Y18.23%
Sales Q2Q%5.97%
3.2 Future
The Earnings Per Share is expected to grow by 7.88% on average over the next years.
The Revenue is expected to grow by 2.67% on average over the next years.
EPS Next Y14.16%
EPS Next 2Y12.93%
EPS Next 3Y12.02%
EPS Next 5Y7.88%
Revenue Next Year6.56%
Revenue Next 2Y5.44%
Revenue Next 3Y4.45%
Revenue Next 5Y2.67%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less 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 13.92, which indicates a correct valuation of GOS.
GOS's Price/Earnings ratio is a bit cheaper when compared to the industry. GOS is cheaper than 70.09% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.25. GOS is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 11.60 indicates a reasonable valuation of GOS.
GOS's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. GOS is cheaper than 76.64% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.15. GOS is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.92 | ||
| Fwd PE | 11.6 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, GOS is valued a bit cheaper than 74.77% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 16.66 |
4.3 Compensation for Growth
GOS's 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 GOS's earnings are expected to grow with 12.02% in the coming years.
PEG (NY)0.98
PEG (5Y)0.99
EPS Next 2Y12.93%
EPS Next 3Y12.02%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.98%, GOS has a reasonable but not impressive dividend return.
GOS's Dividend Yield is comparable with the industry average which is at 6.30.
GOS's Dividend Yield is comparable with the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.98% |
5.2 History
On average, the dividend of GOS grows each year by 19.24%, which is quite nice.
Dividend Growth(5Y)19.24%
Div Incr Years6
Div Non Decr Years6
5.3 Sustainability
31.66% of the earnings are spent on dividend by GOS. This is a low number and sustainable payout ratio.
GOS's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP31.66%
EPS Next 2Y12.93%
EPS Next 3Y12.02%
FRA:GOS (5/30/2025, 7:00:00 PM)
528.8
-1.8 (-0.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners73.6%
Inst Owner ChangeN/A
Ins Owners0.52%
Ins Owner ChangeN/A
Market Cap162.26B
Analysts76
Price Target538.56 (1.85%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.98% |
Yearly Dividend12.51
Dividend Growth(5Y)19.24%
DP31.66%
Div Incr Years6
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)26.04%
Min EPS beat(2)11%
Max EPS beat(2)41.07%
EPS beat(4)4
Avg EPS beat(4)17.7%
Min EPS beat(4)0.29%
Max EPS beat(4)41.07%
EPS beat(8)6
Avg EPS beat(8)18.46%
EPS beat(12)9
Avg EPS beat(12)11.92%
EPS beat(16)12
Avg EPS beat(16)14.67%
Revenue beat(2)1
Avg Revenue beat(2)3.71%
Min Revenue beat(2)-1.25%
Max Revenue beat(2)8.67%
Revenue beat(4)2
Avg Revenue beat(4)2.78%
Min Revenue beat(4)-1.25%
Max Revenue beat(4)8.67%
Revenue beat(8)5
Avg Revenue beat(8)2.48%
Revenue beat(12)9
Avg Revenue beat(12)24.27%
Revenue beat(16)13
Avg Revenue beat(16)23.71%
PT rev (1m)2.41%
PT rev (3m)-12.51%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-12.51%
EPS NY rev (1m)-0.13%
EPS NY rev (3m)-1.75%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.58%
Revenue NY rev (1m)0.05%
Revenue NY rev (3m)-2.18%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.92 | ||
| Fwd PE | 11.6 | ||
| P/S | 1.46 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.48 | ||
| P/tB | 1.48 | ||
| EV/EBITDA | 16.66 |
EPS(TTM)38
EY7.19%
EPS(NY)45.61
Fwd EY8.62%
FCF(TTM)-70.41
FCFYN/A
OCF(TTM)-64.39
OCFYN/A
SpS362.84
BVpS356.4
TBVpS356.4
PEG (NY)0.98
PEG (5Y)0.99
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.8% | ||
| ROE | 11.43% | ||
| ROCE | 2.94% | ||
| ROIC | 1.02% | ||
| ROICexc | 1.16% | ||
| ROICexgc | 1.19% | ||
| OM | 14.89% | ||
| PM (TTM) | 11.23% | ||
| GM | 37.45% | ||
| 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-Score5
Asset Turnover0.07
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 8.58 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 50.5 | ||
| Cap/Depr | 92.16% | ||
| Cap/Sales | 1.66% | ||
| Interest Coverage | 0.26 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.29 | ||
| Quick Ratio | 0.29 | ||
| Altman-Z | N/A |
F-Score5
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)68.25%
EPS 3Y-11.93%
EPS 5Y14.07%
EPS Q2Q%21.93%
EPS Next Y14.16%
EPS Next 2Y12.93%
EPS Next 3Y12.02%
EPS Next 5Y7.88%
Revenue 1Y (TTM)9.59%
Revenue growth 3Y24.97%
Revenue growth 5Y18.23%
Sales Q2Q%5.97%
Revenue Next Year6.56%
Revenue Next 2Y5.44%
Revenue Next 3Y4.45%
Revenue Next 5Y2.67%
EBIT growth 1Y48.68%
EBIT growth 3Y-11.94%
EBIT growth 5Y11.78%
EBIT Next Year1.64%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-171.52%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-159.51%
OCF growth 3YN/A
OCF growth 5YN/A