(GS) Goldman Sachs - Overview
Sector: Financial Services | Industry: Capital Markets | Exchange: NYSE (USA) | Market Cap: 285.850m USD | Total Return: 57.2% in 12m
Industry Rotation: -3.2
Avg Turnover: 1.58B
EPS Trend: 65.6%
Qual. Beats: 3
Rev. Trend: 47.7%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
The Goldman Sachs Group, Inc. is a global financial institution headquartered in New York, operating through three primary segments: Global Banking & Markets, Asset & Wealth Management, and Platform Solutions. The firm provides advisory services for mergers and acquisitions, underwriting for public and private offerings, and institutional client execution across various asset classes including equities, fixed income, and commodities.
As a leading entity in the Investment Banking & Brokerage sub-industry, Goldman Sachs utilizes a capital-intensive business model that relies on market volatility for trading revenue and corporate activity for advisory fees. Unlike traditional commercial banks, investment banks generate a significant portion of their income from non-interest sources such as commissions and performance-based management fees.
The Asset & Wealth Management division manages diverse portfolios across private equity, real estate, and credit funds, while the Platform Solutions segment handles transaction banking and credit card services. For a deeper look into these fundamental drivers, you may find further insights on ValueRay.
- Investment banking fee recovery hinges on global mergers and acquisitions volume
- Elevated interest rates impact fixed income and equity market making revenue
- Asset and wealth management growth offsets volatility in cyclical trading segments
- Regulatory capital requirements and Basel III compliance pressure return on equity
- Strategic shift away from consumer banking reduces operational costs and losses
| Net Income: 18.07b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.02 > 0.02 and ΔFCF/TA -0.65 > 1.0 |
| NWC/Revenue: -373.9% < 20% (prev -98.69%; Δ -275.2% < -1%) |
| CFO/TA -0.02 > 3% & CFO -39.79b > Net Income 18.07b |
| Net Debt (742.46b) to EBITDA (24.94b): 29.77 < 3 |
| Current Ratio: 0.02 > 1.5 & < 3 |
| Outstanding Shares: last quarter (308.0m) vs 12m ago -5.08% < -2% |
| Gross Margin: 55.55% > 18% (prev 0.42%; Δ 5.51k% > 0.5%) |
| Asset Turnover: 5.79% > 50% (prev 7.16%; Δ -1.37% > 0%) |
| Interest Coverage Ratio: 0.34 > 6 (EBITDA TTM 24.94b / Interest Expense TTM 67.41b) |
| A: -0.20 (Total Current Assets 7.01b - Total Current Liabilities 421.19b) / Total Assets 2060.18b |
| B: 0.08 (Retained Earnings 169.32b / Total Assets 2060.18b) |
| C: 0.01 (EBIT TTM 22.77b / Avg Total Assets 1913.18b) |
| D: 0.09 (Book Value of Equity 173.21b / Total Liabilities 1936.44b) |
| Altman-Z'' Score: -0.88 = CCC |
| DSRI: 1.31 (Receivables 209.00b/182.37b, Revenue 110.77b/126.50b) |
| GMI: 0.75 (GM 55.55% / 41.93%) |
| AQI: 2.70 (AQ_t 0.99 / AQ_t-1 0.37) |
| SGI: 0.88 (Revenue 110.77b / 126.50b) |
| TATA: 0.03 (NI 18.07b - CFO -39.79b) / TA 2060.18b) |
| Beneish M-Score: -2.05 (Cap -4..+1) = BB |
Over the past week, the price has changed by +1.28%, over one month by +5.45%, over three months by +4.09% and over the past year by +57.19%.
- StrongBuy: 5
- Buy: 3
- Hold: 14
- Sell: 1
- StrongSell: 0
| Analysts Target Price | 947.6 | -0.1% |
P/E Forward = 15.9236
P/S = 4.6455
P/B = 2.5327
P/EG = 1.4466
Revenue TTM = 110.77b USD
EBIT TTM = 22.77b USD
EBITDA TTM = 24.94b USD
Long Term Debt = 326.47b USD (from longTermDebt, last quarter)
Short Term Debt = 421.19b USD (from shortTermDebt, last quarter)
Debt = 749.47b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 742.46b USD (from netDebt column, last quarter)
Enterprise Value = 1028.31b USD (285.85b + Debt 749.47b - CCE 7.01b)
Interest Coverage Ratio = 0.34 (Ebit TTM 22.77b / Interest Expense TTM 67.41b)
EV/FCF = -24.53x (Enterprise Value 1028.31b / FCF TTM -41.92b)
FCF Yield = -4.08% (FCF TTM -41.92b / Enterprise Value 1028.31b)
FCF Margin = -37.84% (FCF TTM -41.92b / Revenue TTM 110.77b)
Net Margin = 16.31% (Net Income TTM 18.07b / Revenue TTM 110.77b)
Gross Margin = 55.55% ((Revenue TTM 110.77b - Cost of Revenue TTM 49.24b) / Revenue TTM)
Gross Margin QoQ = none% (prev 51.71%)
Tobins Q-Ratio = 0.50 (Enterprise Value 1028.31b / Total Assets 2060.18b)
Interest Expense / Debt = 2.28% (Interest Expense 17.08b / Debt 749.47b)
Taxrate = 13.20% (856.0m / 6.49b)
NOPAT = 19.76b (EBIT 22.77b * (1 - 13.20%))
Current Ratio = 0.02 (Total Current Assets 7.01b / Total Current Liabilities 421.19b)
Debt / Equity = 6.10 (Debt 749.47b / totalStockholderEquity, last quarter 122.78b)
Debt / EBITDA = 29.77 (Net Debt 742.46b / EBITDA 24.94b)
Debt / FCF = -17.71 (negative FCF - burning cash) (Net Debt 742.46b / FCF TTM -41.92b)
Total Stockholder Equity = 123.96b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.94% (Net Income 18.07b / Total Assets 2060.18b)
RoE = 14.58% (Net Income TTM 18.07b / Total Stockholder Equity 123.96b)
RoCE = 5.05% (EBIT 22.77b / Capital Employed (Equity 123.96b + L.T.Debt 326.47b))
RoIC = 3.95% (NOPAT 19.76b / Invested Capital 499.65b)
WACC = 4.58% (E(285.85b)/V(1035.32b) * Re(11.41%) + D(749.47b)/V(1035.32b) * Rd(2.28%) * (1-Tc(0.13)))
Discount Rate = 11.41% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -3.16%
[DCF] Fair Price = unknown (Cash Flow -41.92b)
EPS Correlation: 65.55 | EPS CAGR: 24.44% | SUE: 1.41 | # QB: 3
Revenue Correlation: 47.66 | Revenue CAGR: 3.80% | SUE: 0.01 | # QB: 0
EPS current Quarter (2026-06-30): EPS=13.74 | Chg30d=-0.23% | Revisions=-5% | Analysts=19
EPS next Quarter (2026-09-30): EPS=13.80 | Chg30d=-1.74% | Revisions=-37% | Analysts=18
EPS current Year (2026-12-31): EPS=59.36 | Chg30d=+1.81% | Revisions=+42% | GrowthEPS=+15.7% | GrowthRev=+9.4%
EPS next Year (2027-12-31): EPS=65.40 | Chg30d=+0.40% | Revisions=+17% | GrowthEPS=+10.2% | GrowthRev=+4.8%
[Analyst] Revisions Ratio: +42%