GOLDMAN SACHS GROUP INC (GOS.DE) Stock Fundamental Analysis
Europe - FRA:GOS - US38141G1040 - Common Stock
691.9 EUR
+9.6 (+1.41%)
Taking everything into account, GOS scores 4 out of 10 in our fundamental rating. GOS was compared to 113 industry peers in the Capital Markets industry. While GOS is still in line with the averages on profitability rating, there are concerns on its financial health. 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.
In the past year GOS has reported a negative cash flow from operations.
In the past 5 years GOS has always 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 (0.83%) which is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 11.89%, GOS is in the better half of the industry, outperforming 66.37% of the companies in the same industry.
The Return On Invested Capital of GOS (1.09%) 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 9.27%.
The last Return On Invested Capital (1.09%) 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 | 11.89% | ||
| ROIC | 1.09% |
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 has a Profit Margin (11.66%) which is in line with its industry peers.
GOS's Profit Margin has declined in the last couple of years.
GOS has a Operating Margin of 15.66%. This is in the better half of the industry: GOS outperforms 61.95% of its industry peers.
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 59.29% 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
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
Based on the Altman-Z score of -0.21, we must say that GOS is in the distress zone and has some risk of bankruptcy.
GOS has a worse Altman-Z score (-0.21) than 62.83% of its industry peers.
A Debt/Equity ratio of 8.42 is on the high side and indicates that GOS has dependencies on debt financing.
The Debt to Equity ratio of GOS (8.42) is worse than 70.80% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 8.42 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -0.21 |
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.
With a Current ratio value of 0.30, GOS perfoms like the industry average, outperforming 41.59% of the companies in the same industry.
GOS has a Quick Ratio of 0.30. 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 0.30. This is comparable to the rest of the industry: GOS outperforms 41.59% of 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 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.
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
GOS is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.68% yearly.
Based on estimates for the next years, GOS will show a small growth in Revenue. The Revenue will grow by 3.96% on average per year.
EPS Next Y23.31%
EPS Next 2Y18.41%
EPS Next 3Y16.31%
EPS Next 5Y5.68%
Revenue Next Year13.17%
Revenue Next 2Y9.15%
Revenue Next 3Y7.64%
Revenue Next 5Y3.96%
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 decreasing.
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
With a Price/Earnings ratio of 16.35, GOS is valued correctly.
Based on the Price/Earnings ratio, GOS is valued a bit cheaper than the industry average as 71.68% 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 26.19.
A Price/Forward Earnings ratio of 14.16 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 77.88% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of GOS to the average of the S&P500 Index (22.50), we can say GOS is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.35 | ||
| Fwd PE | 14.16 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of GOS indicates a somewhat cheap valuation: GOS is cheaper than 70.80% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 20.62 |
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 16.31% in the coming years.
PEG (NY)0.7
PEG (5Y)1.16
EPS Next 2Y18.41%
EPS Next 3Y16.31%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.13%, GOS has a reasonable but not impressive dividend return.
GOS's Dividend Yield is comparable with the industry average which is at 5.70.
GOS's Dividend Yield is comparable with the S&P500 average which is at 2.33.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.13% |
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 31.57% 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.
DP31.57%
EPS Next 2Y18.41%
EPS Next 3Y16.31%
FRA:GOS (10/30/2025, 5:08:50 PM)
691.9
+9.6 (+1.41%)
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 Cap209.45B
Revenue(TTM)127.21B
Net Income(TTM)14.76B
Analysts73.55
Price Target640.09 (-7.49%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.13% |
Yearly Dividend12.22
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)2.8%
PT rev (3m)6.45%
EPS NQ rev (1m)4.73%
EPS NQ rev (3m)4.38%
EPS NY rev (1m)4.48%
EPS NY rev (3m)8.33%
Revenue NQ rev (1m)2.83%
Revenue NQ rev (3m)2.83%
Revenue NY rev (1m)3.36%
Revenue NY rev (3m)6.09%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.35 | ||
| Fwd PE | 14.16 | ||
| P/S | 1.93 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.96 | ||
| P/tB | 2.08 | ||
| EV/EBITDA | 20.62 |
EPS(TTM)42.31
EY6.12%
EPS(NY)48.86
Fwd EY7.06%
FCF(TTM)-70.63
FCFYN/A
OCF(TTM)-64.88
OCFYN/A
SpS359.36
BVpS352.3
TBVpS332.88
PEG (NY)0.7
PEG (5Y)1.16
Graham Number579.12
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.83% | ||
| ROE | 11.89% | ||
| ROCE | 2.98% | ||
| ROIC | 1.09% | ||
| ROICexc | 1.23% | ||
| 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%
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-Score4
Asset Turnover0.07
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 8.42 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 47.34 | ||
| 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 | -0.21 |
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)44.45%
EPS 3Y-11.93%
EPS 5Y14.07%
EPS Q2Q%45.83%
EPS Next Y23.31%
EPS Next 2Y18.41%
EPS Next 3Y16.31%
EPS Next 5Y5.68%
Revenue 1Y (TTM)3.36%
Revenue growth 3Y24.97%
Revenue growth 5Y18.23%
Sales Q2Q%19.57%
Revenue Next Year13.17%
Revenue Next 2Y9.15%
Revenue Next 3Y7.64%
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
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 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 31.57%.