GOLDMAN SACHS GROUP INC (GOS.DE) Stock Fundamental Analysis

FRA:GOS • US38141G1040

769.9 EUR
+7.5 (+0.98%)
Last: Feb 25, 2026, 02:07 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to GOS. GOS was compared to 114 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.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year GOS was profitable.
  • GOS had a positive operating cash flow in the past year.
  • In the past 5 years GOS has always been profitable.
  • In multiple years GOS reported negative operating cash flow during the last 5 years.
GOS.DE Yearly Net Income VS EBIT VS OCF VS FCFGOS.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B -10B 20B -20B

1.2 Ratios

  • GOS has a Return On Assets (0.88%) which is comparable to the rest of the industry.
  • With a decent Return On Equity value of 12.73%, GOS is doing good in the industry, outperforming 66.67% of the companies in the same industry.
  • The Return On Invested Capital of GOS (1.15%) is comparable to the rest of the industry.
  • GOS had an Average Return On Invested Capital over the past 3 years of 0.96%. This is significantly below the industry average of 8.85%.
  • The last Return On Invested Capital (1.15%) for GOS is above the 3 year average (0.96%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 0.88%
ROE 12.73%
ROIC 1.15%
ROA(3y)0.73%
ROA(5y)0.88%
ROE(3y)10.3%
ROE(5y)11.86%
ROIC(3y)0.96%
ROIC(5y)1.13%
GOS.DE Yearly ROA, ROE, ROICGOS.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • Looking at the Profit Margin, with a value of 12.45%, GOS is in line with its industry, outperforming 51.75% of the companies in the same industry.
  • GOS's Profit Margin has declined in the last couple of years.
  • GOS's Operating Margin of 16.70% is in line compared to the rest of the industry. GOS outperforms 58.77% of its industry peers.
  • GOS's Operating Margin has declined in the last couple of years.
  • The Gross Margin of GOS (40.13%) is better than 62.28% of its industry peers.
  • In the last couple of years the Gross Margin of GOS has declined.
Industry RankSector Rank
OM 16.7%
PM (TTM) 12.45%
GM 40.13%
OM growth 3Y-3.81%
OM growth 5Y-8.77%
PM growth 3Y-5.96%
PM growth 5Y-3.81%
GM growth 3Y-13.08%
GM growth 5Y-12.14%
GOS.DE Yearly Profit, Operating, Gross MarginsGOS.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • GOS has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for GOS has been reduced compared to 5 years ago.
  • Compared to 1 year ago, GOS has an improved debt to assets ratio.
GOS.DE Yearly Shares OutstandingGOS.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M
GOS.DE Yearly Total Debt VS Total AssetsGOS.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500B 1T 1.5T

2.2 Solvency

  • GOS has an Altman-Z score of -0.19. This is a bad value and indicates that GOS is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of -0.19, GOS is in line with its industry, outperforming 47.37% of the companies in the same industry.
  • GOS has a debt to FCF ratio of 72.28. This is a negative value and a sign of low solvency as GOS would need 72.28 years to pay back of all of its debts.
  • With a decent Debt to FCF ratio value of 72.28, GOS is doing good in the industry, outperforming 65.79% of the companies in the same industry.
  • GOS has a Debt/Equity ratio of 8.47. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 8.47, GOS is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 8.47
Debt/FCF 72.28
Altman-Z -0.19
ROIC/WACCN/A
WACCN/A
GOS.DE Yearly LT Debt VS Equity VS FCFGOS.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100B 200B

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.
  • GOS has a Current ratio of 0.31. This is comparable to the rest of the industry: GOS outperforms 46.49% of its industry peers.
  • A Quick Ratio of 0.31 indicates that GOS may have some problems paying its short term obligations.
  • GOS's Quick ratio of 0.31 is in line compared to the rest of the industry. GOS outperforms 46.49% of its industry peers.
Industry RankSector Rank
Current Ratio 0.31
Quick Ratio 0.31
GOS.DE Yearly Current Assets VS Current LiabilitesGOS.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200B 400B 600B 800B 1T

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • GOS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 26.49%, 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 10.50% yearly.
  • The Revenue has decreased by -1.38% in the past year.
  • Measured over the past years, GOS shows a quite strong growth in Revenue. The Revenue has been growing by 17.29% on average per year.
EPS 1Y (TTM)26.49%
EPS 3Y19.49%
EPS 5Y10.5%
EPS Q2Q%17.24%
Revenue 1Y (TTM)-1.38%
Revenue growth 3Y22.11%
Revenue growth 5Y17.29%
Sales Q2Q%-2.99%

3.2 Future

  • GOS is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.49% yearly.
  • The Revenue is expected to grow by 3.66% on average over the next years.
EPS Next Y17.02%
EPS Next 2Y14.21%
EPS Next 3Y12.38%
EPS Next 5Y10.49%
Revenue Next Year9.27%
Revenue Next 2Y6.97%
Revenue Next 3Y5.04%
Revenue Next 5Y3.66%

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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
GOS.DE Yearly Revenue VS EstimatesGOS.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 20B 40B 60B 80B 100B
GOS.DE Yearly EPS VS EstimatesGOS.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 20 40 60 80 100

More info and screens

Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 17.68 indicates a rather expensive valuation of GOS.
  • GOS's Price/Earnings ratio is a bit cheaper when compared to the industry. GOS is cheaper than 66.67% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.98, GOS is valued a bit cheaper.
  • The Price/Forward Earnings ratio is 15.11, which indicates a correct valuation of GOS.
  • GOS's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. GOS is cheaper than 74.56% of the companies in the same industry.
  • GOS is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 28.01, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 17.68
Fwd PE 15.11
GOS.DE Price Earnings VS Forward Price EarningsGOS.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 67.54% of the companies in the same industry are more expensive than GOS, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, GOS is valued cheaper than 83.33% of the companies in the same industry.
Industry RankSector Rank
P/FCF 17.25
EV/EBITDA 20.14
GOS.DE Per share dataGOS.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 100 200 300

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • A more expensive valuation may be justified as GOS's earnings are expected to grow with 12.38% in the coming years.
PEG (NY)1.04
PEG (5Y)1.68
EPS Next 2Y14.21%
EPS Next 3Y12.38%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 1.99%, GOS has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 3.15, GOS has a dividend in line with its industry peers.
  • GOS's Dividend Yield is comparable with the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 1.99%

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
GOS.DE Yearly Dividends per shareGOS.DE Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6 8 10

5.3 Sustainability

  • 31.36% of the earnings are spent on dividend by GOS. This is a low number and 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 2Y14.21%
EPS Next 3Y12.38%
GOS.DE Yearly Income VS Free CF VS DividendGOS.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B -10B 20B -20B
GOS.DE Dividend Payout.GOS.DE Dividend Payout, showing the Payout Ratio.GOS.DE Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

GOLDMAN SACHS GROUP INC

FRA:GOS (2/25/2026, 2:07:48 PM)

769.9

+7.5 (+0.98%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-19
Earnings (Next)04-13
Inst Owners74.56%
Inst Owner ChangeN/A
Ins Owners0.52%
Ins Owner ChangeN/A
Market Cap230.92B
Revenue(TTM)125.10B
Net Income(TTM)15.84B
Analysts72.5
Price Target817 (6.12%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.99%
Yearly Dividend12.06
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)6.63%
PT rev (3m)16.38%
EPS NQ rev (1m)1.03%
EPS NQ rev (3m)0.78%
EPS NY rev (1m)2.2%
EPS NY rev (3m)5.55%
Revenue NQ rev (1m)-3.9%
Revenue NQ rev (3m)-3.83%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.99%
Valuation
Industry RankSector Rank
PE 17.68
Fwd PE 15.11
P/S 2.14
P/FCF 17.25
P/OCF 15.2
P/B 2.19
P/tB 2.31
EV/EBITDA 20.14
EPS(TTM)43.55
EY5.66%
EPS(NY)50.96
Fwd EY6.62%
FCF(TTM)44.64
FCFY5.8%
OCF(TTM)50.64
OCFY6.58%
SpS360.14
BVpS352.19
TBVpS332.9
PEG (NY)1.04
PEG (5Y)1.68
Graham Number587.45
Profitability
Industry RankSector Rank
ROA 0.88%
ROE 12.73%
ROCE 3.16%
ROIC 1.15%
ROICexc 1.31%
ROICexgc 1.31%
OM 16.7%
PM (TTM) 12.45%
GM 40.13%
FCFM 12.4%
ROA(3y)0.73%
ROA(5y)0.88%
ROE(3y)10.3%
ROE(5y)11.86%
ROIC(3y)0.96%
ROIC(5y)1.13%
ROICexc(3y)1.11%
ROICexc(5y)1.39%
ROICexgc(3y)1.13%
ROICexgc(5y)1.4%
ROCE(3y)2.76%
ROCE(5y)3.09%
ROICexgc growth 3Y1.88%
ROICexgc growth 5Y-4.51%
ROICexc growth 3Y1.29%
ROICexc growth 5Y-4.9%
OM growth 3Y-3.81%
OM growth 5Y-8.77%
PM growth 3Y-5.96%
PM growth 5Y-3.81%
GM growth 3Y-13.08%
GM growth 5Y-12.14%
F-Score7
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 8.47
Debt/FCF 72.28
Debt/EBITDA 45.04
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 -0.19
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)26.49%
EPS 3Y19.49%
EPS 5Y10.5%
EPS Q2Q%17.24%
EPS Next Y17.02%
EPS Next 2Y14.21%
EPS Next 3Y12.38%
EPS Next 5Y10.49%
Revenue 1Y (TTM)-1.38%
Revenue growth 3Y22.11%
Revenue growth 5Y17.29%
Sales Q2Q%-2.99%
Revenue Next Year9.27%
Revenue Next 2Y6.97%
Revenue Next 3Y5.04%
Revenue Next 5Y3.66%
EBIT growth 1Y32.76%
EBIT growth 3Y17.45%
EBIT growth 5Y7%
EBIT Next Year-8.23%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y117.45%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y120.25%
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 for GOS 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 3 / 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%.