Stock Analysis
Goldman Sachs Group Inc.GS
P/E 12.23×· 5Y range 4.48–18.86×· 37th percentile of history
Sector: Financial Services · Industry: Security Brokers, Dealers & Flotation Companies
AnalystsHold32 analystsP/E 12.2× sits at the 37th percentile of its 5.086926762491444-year history.
Cash covers 21% of debt · Q2 2026.
PMP Verdict
Weak fundamentals
Strengths
- Profitability75
Risks
- Growth0
- Financial Health11
Weak fundamentals — valuation is the only support.
Bull Case
- ✓ROE 17.0% — efficient capital deployment
What's happening with GS
Profile
Strong profitability; growth, financial health, moat and valuation lag behind.
How is each axis scored?
- Valuation45/100 · Weak
- P/E vs own history (37th pct)20/25
- FCF yield (-16.2%)0/25
- P/S (3.9x)20/25
- EV/EBIT (36.7x)5/25
- Growth0/100 · Weak
- Revenue CAGR (-0.4%)0/25
- Net income CAGR (-5.6%)0/25
- EPS CAGR 5Y (-2.9%)0/25
- Fwd implied growth (-6.7%)0/25
- Profitability75/100 · Strong
- ROIC (2.5%)5/25
- ROE (17.0%)20/25
- Net margin (31.7%)25/25
- Operating margin (39.7%)25/25
- Financial Health11/100 · Weak
- Altman Z (0.24)3/25
- Current ratio (0.30)0/25
- Interest coverage (0.3x)3/25
- Net cash / debt (D/A 33%)5/25
- Quality50/100 · Moderate
- Piotroski F (4/9)10/25
- Beneish M (-2.25)20/25
- FCF conversion (-198%)0/25
- Margin stability (σ 7.4%)20/25
- Moat30/100 · Weak
- ROIC >12% years (n/a)0/25
- Median gross margin (n/a)0/25
- FCF-positive years (4/10 yrs)5/25
- Worst-year net margin (worst 13.4%)25/25
Risk Flags
- ⚠Altman Z 0.2 — distress-zone balance sheet
- ⚠Negative FCF margin (-0.6%) — burning cash
- ⚠SBC 5.2% of revenue — real dilution cost
- ⚠Interest coverage 0.3× — thin debt cushion
- ⚠Revenue shrinking 0.4%/yr
About Goldman Sachs Group Inc.
Goldman Sachs is a storied financial institution, founded in 1869 and best known for its role as a leading global investment bank. Show more
The firm has a sprawling reach across global financial centers and has been the leading provider of global merger and acquisition advisory services, by revenue, for the past 20 years. Since the global financial crisis, Goldman has expanded its offerings into more stable fee-based businesses like asset and wealth management, which comprised roughly 30% of post-provision revenue at the end of 2025. The firm generates revenue from investment banking, global market making and trading, lending, asset management, wealth management, and a small and declining portfolio of consumer credit card loans.
Headquarters: NEW YORK, NY · Employees: 46,200 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
45D+P/E (TTM)12.2xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 4.5x–18.9x · 37th pct
P/FCF32.6xC
Grade C: ExpensivePrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield-16.2%D
Grade D: NegativeTTM (OCF − CapEx) / Market Cap — vs own 5Y history: -55.5%–45.4% · 20th pct
P/S (TTM)3.87xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 1.7x–5.6x · 70th pct
EV/EBIT36.7xD
Grade D: ExpensiveEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 36.7x–44.1x · 1st pct
EV/Sales10.5xD
Grade D: Very expensiveEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E13.1xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio2.07xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.98A
Grade A: CheapFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield2.43%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio29.2%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
75B+ROIC2.5%D
Grade D: LowNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE17.0%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA1.1%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin31.7%A
Grade A: HighNet Income / Revenue
Operating Margin39.7%A
Grade A: HighTTM EBIT / TTM Revenue
Gross Margin41.9%C
Grade C: AverageGross Profit / Revenue
FCF Margin-62.7%D
Grade D: LowFCF / Revenue
True FCF Margin-67.9%D
Grade D: LowTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
0ERevenue CAGR-0.4%D
Grade D: LowCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-5.6%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)-2.9%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth-6.7%D
Grade D: Decl.Analyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-18.8%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income16.5%C
Grade C: MedStock-based comp/Net income. >30% = dilution risk
SBC / Revenue5.2%C
Grade C: MedTTM stock-based comp / TTM Revenue
Financial Health
11EAltman Z-Score0.24D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio0.30xD
Grade D: LowCurrent Assets/Liabilities
Quick Ratio0.30xD
Grade D: Low(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage0.3xD
Grade D: RiskyEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBIT27.0xD
Grade D: HighLeverage. <2x Low, >4x High
Debt/Equity7.25xD
Grade D: HighDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.21xD
Grade D: ThinCash covers how much of total debt. >1 = could repay all debt from cash
Quality
50CPiotroski F-Score4/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.25A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion-197.9%D
Grade D: PoorFCF / Net Income
Margin Stability7.4%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue3.3%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.07xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
LESLIE ERICKA T Filed | LESLIE ERICKA T | SellOpen market sale | -600 | |
LESLIE ERICKA T Filed | LESLIE ERICKA T | SellOpen market sale | -9 | |
LESLIE ERICKA T Filed | LESLIE ERICKA T | SellOpen market sale | -129 | |
LESLIE ERICKA T Filed | LESLIE ERICKA T | SellOpen market sale | -37 | |
LESLIE ERICKA T Filed | LESLIE ERICKA T | SellOpen market sale | -149 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
LESLIE ERICKA T Filed | LESLIE ERICKA T | SellOpen market sale | -101 | |
Flaherty Mark A. Filed | Flaherty Mark A. | Grant / award | +22 | |
OPPENHEIMER PETER Filed | OPPENHEIMER PETER | Grant / award | +50 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
30DROIC >12% Years—
Share of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years4/10 yrsD
Grade D: WeakShare of completed fiscal years with positive free cash flow
Net Margin Floor13.4%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$72.03
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$607.89
Cash & short-term investments per share (Finnhub)
Book Value / Share$429.30
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$897.49B
Total debt obligations (short + long term)
Cash & Equiv.$187.27B
Cash and short-term investments
Net Debt$710.22B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$123.73B
Shareholders' equity (book value)
Asset / Liability1.06xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$256.22B
Current Market Capitalization
Beta1.29C
Grade C: VolatilePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Goldman Sachs Group Inc. (GS)
GS is down 1.12% at the last close. Piotroski F-Score of 4/9 indicates mixed fundamentals for Goldman Sachs Group Inc.. Altman Z-Score of 0.24 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.25 suggests a low likelihood of earnings manipulation. Revenue has been contracting (CAGR ≈ -0%), which weighs on the growth outlook.
- Free-cash-flow margin is negative (-63%) — the business currently burns cash.
- Company has negative FCF, making debt repayment from operations difficult.
- Interest coverage of 0.3× leaves little room for earnings shocks.
- The stock currently yields 2.4% in dividends.
See how GS ranks on the Capex Tracker — top 50 capital spenders compared.
Earnings
View earnings calendar →Recent Earnings Results
| Date | Time | EPS Est. | EPS Actual | Surprise | Rev Est. | Rev Actual |
|---|---|---|---|---|---|---|
| Oct 13, 2026 | After-Hrs | $13.42 | $17.01 | +26.8% | $17.2B | $18.7B |
Recent Market Moves
See all GS moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 13 | Pre-market | 930.00 | +4.03% | 3.14 |
Frequently Asked Questions about GS
What is the current Goldman Sachs Group Inc. (GS) stock price?
GS is trading at $881.26 at the last market close, down 1.12% on the session. PreMarketPrice tracks GS pre-market, intraday and after-hours prices.
Is GS stock a buy right now?
PreMarketPrice's quantitative model rates Goldman Sachs Group Inc.'s financial health at 11/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is GS stock overvalued?
Goldman Sachs Group Inc. trades at a trailing P/E of 12.2 and our valuation score rates it 45/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Goldman Sachs Group Inc. report earnings?
No confirmed earnings date is currently scheduled for GS. The Earnings section lists recent reports and updates as dates are announced.
What sector does Goldman Sachs Group Inc. operate in?
Goldman Sachs Group Inc. operates in the Financial Services sector, within the Security Brokers, Dealers & Flotation Companies industry. The Related Stocks section lists sector peers for comparison.
What does Goldman Sachs Group Inc. do?
Goldman Sachs is a storied financial institution, founded in 1869 and best known for its role as a leading global investment bank.
About Goldman Sachs Group Inc. (GS) Stock
Goldman Sachs Group Inc. (GS) is a US-listed stock operating in the Financial Services sector, specifically the Security Brokers, Dealers & Flotation Companies industry. As of the latest update, Goldman Sachs Group Inc. is trading at $881.26, down 1.12% on the day with a market capitalization of $256.2 billion. The financial health score for GS is 11/100, which indicates poor financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for GS stock.
GS Stock Analysis & Key Metrics
On PreMarketPrice, you can track Goldman Sachs Group Inc. (GS) across multiple dimensions:
- Pre-market price & movement: Real-time GS stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Earnings calendar: Upcoming and past earnings reports for GS, including EPS estimates, actual results, and surprise percentages.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for GS with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Goldman Sachs Group Inc. across multiple reporting periods.
- Financial health score: A composite score of 11/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for GS.
- Sector peers: Compare GS against 6 other financial services stocks on key financial metrics.
Is GS a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Goldman Sachs Group Inc. (GS) as an investment. The financial health score of 11/100 suggests poor financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average. Earnings data reveals whether the company is meeting or beating analyst expectations.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Goldman Sachs Group Inc. (GS) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.