GOLDMAN SACHS GROUP INC (GOS.DE) Stock Fundamental Analysis
Europe - FRA:GOS - US38141G1040 - Common Stock
681 EUR
-5.3 (-0.77%)
We assign a fundamental rating of 3 out of 10 to GOS. GOS was compared to 116 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 correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
GOS had positive earnings in the past year.
GOS had a negative operating cash flow in the past year.
Each year in the past 5 years GOS has been profitable.
In multiple years GOS reported negative operating cash flow during the last 5 years.
1.2 Ratios
GOS has a Return On Assets of 0.83%. This is comparable to the rest of the industry: GOS outperforms 51.72% of its industry peers.
The Return On Equity of GOS (11.90%) is better than 65.52% of its industry peers.
GOS has a Return On Invested Capital (1.07%) which is comparable to the rest of the industry.
GOS had an Average Return On Invested Capital over the past 3 years of 0.90%. This is significantly below the industry average of 8.51%.
The last Return On Invested Capital (1.07%) for GOS is above the 3 year average (0.90%), which is a sign of increasing profitability.
| 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
GOS's Profit Margin of 11.66% is in line compared to the rest of the industry. GOS outperforms 50.00% of its industry peers.
GOS's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 15.66%, GOS is in the better half of the industry, outperforming 61.21% 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 57.76% 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
The debt/assets ratio for GOS is higher compared to a year ago.
2.2 Solvency
GOS has a Debt/Equity ratio of 8.52. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of GOS (8.52) is worse than 69.83% 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.
The Current ratio of GOS (0.30) is comparable to the rest of the industry.
A Quick Ratio of 0.30 indicates that GOS may have some problems paying its short term obligations.
GOS has a Quick ratio (0.30) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.3 | ||
| Quick Ratio | 0.3 |
3. Growth
3.1 Past
GOS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 45.68%, which is quite impressive.
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 5.42% in the last year.
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)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
The Earnings Per Share is expected to grow by 5.68% on average over the next years.
GOS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.96% yearly.
EPS Next Y18.02%
EPS Next 2Y15.34%
EPS Next 3Y13.92%
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 rather expensively with a Price/Earnings ratio of 17.59.
68.10% of the companies in the same industry are more expensive than GOS, based on the Price/Earnings ratio.
GOS's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.67.
GOS is valuated correctly with a Price/Forward Earnings ratio of 14.80.
GOS's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. GOS is cheaper than 75.86% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.13, GOS is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.59 | ||
| Fwd PE | 14.8 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, GOS is valued a bit cheaper than the industry average as 75.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 19.83 |
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 13.92% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.98
PEG (5Y)1.25
EPS Next 2Y15.34%
EPS Next 3Y13.92%
5. Dividend
5.1 Amount
GOS has a Yearly Dividend Yield of 2.01%. Purely for dividend investing, there may be better candidates out there.
GOS's Dividend Yield is comparable with the industry average which is at 5.80.
GOS's Dividend Yield is comparable with the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.01% |
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
31.57% 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.
DP31.57%
EPS Next 2Y15.34%
EPS Next 3Y13.92%
FRA:GOS (9/29/2025, 7:00:00 PM)
681
-5.3 (-0.77%)
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 Cap206.15B
Analysts73.55
Price Target622.68 (-8.56%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.01% |
Yearly Dividend12.15
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)-1.21%
PT rev (3m)18.34%
EPS NQ rev (1m)0.06%
EPS NQ rev (3m)1.99%
EPS NY rev (1m)0.17%
EPS NY rev (3m)3.44%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.68%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.64%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.59 | ||
| Fwd PE | 14.8 | ||
| P/S | 1.91 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.95 | ||
| P/tB | 1.95 | ||
| EV/EBITDA | 19.83 |
EPS(TTM)38.71
EY5.68%
EPS(NY)46.02
Fwd EY6.76%
FCF(TTM)-70.11
FCFYN/A
OCF(TTM)-64.39
OCFYN/A
SpS356.69
BVpS349.42
TBVpS349.42
PEG (NY)0.98
PEG (5Y)1.25
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 Y18.02%
EPS Next 2Y15.34%
EPS Next 3Y13.92%
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