GOLDMAN SACHS GROUP INC (GOS.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:GOS - US38141G1040 - Common Stock
703.2 EUR
-12.9 (-1.8%)
GOS gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 121 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
In the past year GOS was profitable.
In the past year GOS had a positive cash flow from operations.
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
GOS has a Return On Assets (0.88%) which is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 12.77%, GOS is in the better half of the industry, outperforming 65.29% of the companies in the same industry.
With a Return On Invested Capital value of 1.13%, GOS perfoms like the industry average, outperforming 49.59% 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 9.05%.
The 3 year average ROIC (0.90%) for GOS is below the current ROIC(1.13%), indicating increased profibility in the last year.
| 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 51.24% 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 16.70%, GOS is in line with its industry, outperforming 57.85% of the companies in the same industry.
In the last couple of years the Operating Margin of GOS has declined.
With a Gross Margin value of 40.13%, GOS perfoms like the industry average, outperforming 57.02% of the companies in the same industry.
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
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.
Compared to 1 year ago, GOS has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of GOS is 72.29, which is on the high side as it means it would take GOS, 72.29 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 72.29, GOS is in line with its industry, outperforming 58.68% of the companies in the same industry.
A Debt/Equity ratio of 8.60 is on the high side and indicates that GOS has dependencies on debt 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 73.55% 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
GOS has a Current Ratio of 0.31. This is a bad value and indicates that GOS is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 0.31, GOS is doing worse than 60.33% of the companies in the same industry.
GOS has a Quick Ratio of 0.31. 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 of 0.31. This is in the lower half of the industry: GOS underperforms 60.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.31 | ||
| Quick Ratio | 0.31 |
3. Growth
3.1 Past
GOS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 44.45%, which is quite impressive.
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.
GOS shows a small growth in Revenue. In the last year, the Revenue has grown by 3.36%.
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)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
The Earnings Per Share is expected to grow by 13.33% on average over the next years. This is quite good.
The Revenue is expected to grow by 4.85% on average over the next years.
EPS Next Y23.32%
EPS Next 2Y18.42%
EPS Next 3Y16.28%
EPS Next 5Y13.33%
Revenue Next Year13.23%
Revenue Next 2Y9.21%
Revenue Next 3Y7.66%
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
Based on the Price/Earnings ratio of 16.52, the valuation of GOS can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of GOS indicates a somewhat cheap valuation: GOS is cheaper than 66.94% of the companies listed in the same industry.
GOS is valuated rather cheaply when we compare the Price/Earnings ratio to 26.31, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 14.30, GOS is valued correctly.
Based on the Price/Forward Earnings ratio, GOS is valued a bit cheaper than 76.03% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.56. GOS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.52 | ||
| Fwd PE | 14.3 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, GOS is valued a bit cheaper than the industry average as 70.25% of the companies are valued more expensively.
GOS's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. GOS is cheaper than 79.34% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.47 | ||
| EV/EBITDA | 18.35 |
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 16.28% in the coming years.
PEG (NY)0.71
PEG (5Y)1.17
EPS Next 2Y18.42%
EPS Next 3Y16.28%
5. Dividend
5.1 Amount
GOS has a Yearly Dividend Yield of 1.96%.
GOS's Dividend Yield is comparable with the industry average which is at 5.55.
GOS's Dividend Yield is comparable with the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.96% |
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 31.36% 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.
DP31.36%
EPS Next 2Y18.42%
EPS Next 3Y16.28%
FRA:GOS (12/1/2025, 10:46:48 AM)
703.2
-12.9 (-1.8%)
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 Cap210.91B
Revenue(TTM)127.21B
Net Income(TTM)15.84B
Analysts73.13
Price Target702.03 (-0.17%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.96% |
Yearly Dividend12.26
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)9.68%
PT rev (3m)11.38%
EPS NQ rev (1m)-0.58%
EPS NQ rev (3m)3.73%
EPS NY rev (1m)0.01%
EPS NY rev (3m)4.67%
Revenue NQ rev (1m)0.31%
Revenue NQ rev (3m)4.98%
Revenue NY rev (1m)0.05%
Revenue NY rev (3m)3.41%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.52 | ||
| Fwd PE | 14.3 | ||
| P/S | 1.92 | ||
| P/FCF | 15.47 | ||
| P/OCF | 13.64 | ||
| P/B | 1.97 | ||
| P/tB | 1.97 | ||
| EV/EBITDA | 18.35 |
EPS(TTM)42.56
EY6.05%
EPS(NY)49.16
Fwd EY6.99%
FCF(TTM)45.46
FCFY6.46%
OCF(TTM)51.57
OCFY7.33%
SpS366.71
BVpS357.45
TBVpS357.45
PEG (NY)0.71
PEG (5Y)1.17
Graham Number585.06
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 Y23.32%
EPS Next 2Y18.42%
EPS Next 3Y16.28%
EPS Next 5Y13.33%
Revenue 1Y (TTM)3.36%
Revenue growth 3Y24.97%
Revenue growth 5Y18.23%
Sales Q2Q%19.57%
Revenue Next Year13.23%
Revenue Next 2Y9.21%
Revenue Next 3Y7.66%
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 6 / 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 1 / 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%.