GOLDMAN SACHS GROUP INC (GOS.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:GOS - US38141G1040 - Common Stock
762.4 EUR
-3.5 (-0.46%)
Overall GOS gets a fundamental rating of 4 out of 10. We evaluated GOS against 117 industry peers in the Capital Markets industry. GOS has a medium profitability rating, but doesn't score so well on its financial health evaluation. GOS has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
GOS had positive earnings in the past year.
GOS had a positive operating cash flow in the past year.
Each year in the past 5 years GOS has been profitable.
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 (0.88%) is comparable to the rest of the industry.
GOS has a Return On Equity of 12.77%. This is in the better half of the industry: GOS outperforms 66.67% of its industry peers.
GOS has a Return On Invested Capital (1.13%) which is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital for GOS is significantly below the industry average of 8.62%.
The last Return On Invested Capital (1.13%) for GOS 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
GOS's Profit Margin of 12.45% is in line compared to the rest of the industry. GOS outperforms 52.14% of its industry peers.
In the last couple of years the Profit Margin of GOS has declined.
GOS has a Operating Margin (16.70%) which is comparable to the rest of the industry.
GOS's Operating Margin has declined in the last couple of years.
GOS has a Gross Margin (40.13%) which is in line with its industry peers.
In the last couple of years the Gross Margin of GOS 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 GOS has been reduced compared to 1 year ago.
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 to FCF ratio of 72.29. This is a negative value and a sign of low solvency as GOS would need 72.29 years to pay back of all of its debts.
GOS's Debt to FCF ratio of 72.29 is in line compared to the rest of the industry. GOS outperforms 59.83% of its industry peers.
GOS has a Debt/Equity ratio of 8.60. This is a high value indicating a heavy dependency on external financing.
GOS's Debt to Equity ratio of 8.60 is on the low side compared to the rest of the industry. GOS is outperformed by 72.65% 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
A Current Ratio of 0.31 indicates that GOS may have some problems paying its short term obligations.
GOS has a Current ratio (0.31) which is in line with its industry peers.
A Quick Ratio of 0.31 indicates that GOS may have some problems paying its short term obligations.
With a Quick ratio value of 0.31, GOS perfoms like the industry average, outperforming 42.73% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.31 | ||
| Quick Ratio | 0.31 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 44.45% over the past year.
GOS shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.07% yearly.
Looking at the last year, GOS shows a small growth in Revenue. The Revenue has grown by 3.36% in the last 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, GOS will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.33% on average per year.
GOS 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
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.
4. Valuation
4.1 Price/Earnings Ratio
GOS is valuated rather expensively with a Price/Earnings ratio of 18.25.
Based on the Price/Earnings ratio, GOS is valued a bit cheaper than the industry average as 62.39% of the companies are valued more expensively.
GOS's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.84.
With a Price/Forward Earnings ratio of 15.80, GOS is valued correctly.
Based on the Price/Forward Earnings ratio, GOS is valued a bit cheaper than 71.79% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.40. GOS is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.25 | ||
| Fwd PE | 15.8 |
4.2 Price Multiples
70.94% of the companies in the same industry are more expensive than GOS, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of GOS indicates a somewhat cheap valuation: GOS is cheaper than 77.78% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.09 | ||
| EV/EBITDA | 19.31 |
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 16.20% in the coming years.
PEG (NY)0.78
PEG (5Y)1.3
EPS Next 2Y18.42%
EPS Next 3Y16.2%
5. Dividend
5.1 Amount
GOS has a Yearly Dividend Yield of 1.76%. Purely for dividend investing, there may be better candidates out there.
GOS's Dividend Yield is comparable with the industry average which is at 3.29.
GOS's Dividend Yield is comparable with the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.76% |
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
GOS pays out 31.36% of its income as dividend. This is a sustainable payout ratio.
The dividend of GOS is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP31.36%
EPS Next 2Y18.42%
EPS Next 3Y16.2%
FRA:GOS (12/29/2025, 5:25:11 PM)
762.4
-3.5 (-0.46%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners74.48%
Inst Owner ChangeN/A
Ins Owners0.52%
Ins Owner ChangeN/A
Market Cap228.67B
Revenue(TTM)127.21B
Net Income(TTM)15.84B
Analysts73.13
Price Target706.33 (-7.35%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.76% |
Yearly Dividend12.03
Dividend Growth(5Y)19.24%
DP31.36%
Div Incr Years6
Div Non Decr Years6
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)0.61%
PT rev (3m)13.43%
EPS NQ rev (1m)0.11%
EPS NQ rev (3m)3.83%
EPS NY rev (1m)0.15%
EPS NY rev (3m)4.64%
Revenue NQ rev (1m)-0.09%
Revenue NQ rev (3m)4.89%
Revenue NY rev (1m)0.16%
Revenue NY rev (3m)3.58%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.25 | ||
| Fwd PE | 15.8 | ||
| P/S | 2.12 | ||
| P/FCF | 17.09 | ||
| P/OCF | 15.07 | ||
| P/B | 2.17 | ||
| P/tB | 2.17 | ||
| EV/EBITDA | 19.31 |
EPS(TTM)41.77
EY5.48%
EPS(NY)48.25
Fwd EY6.33%
FCF(TTM)44.6
FCFY5.85%
OCF(TTM)50.6
OCFY6.64%
SpS359.84
BVpS350.75
TBVpS350.75
PEG (NY)0.78
PEG (5Y)1.3
Graham Number574.15
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 / GOS.DE 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 of GOLDMAN SACHS GROUP INC (GOS.DE) stock?
ChartMill assigns a valuation rating of 5 / 10 to GOLDMAN SACHS GROUP INC (GOS.DE). This can be considered as Fairly Valued.
What is the profitability of GOS 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.
How sustainable is the dividend of GOLDMAN SACHS GROUP INC (GOS.DE) stock?
The dividend rating of GOLDMAN SACHS GROUP INC (GOS.DE) is 4 / 10 and the dividend payout ratio is 31.36%.