📊 GS Key Takeaways
Is GS a Good Investment? Thesis Analysis
Goldman Sachs exhibits strong profitability metrics with 21.4% net margins and 13.7% ROE, supported by exceptional 492.8% revenue growth. However, severe cash flow deterioration with -$47.2B free cash flow and negative operating cash flow raise critical concerns about earnings quality and sustainability. The 1.83x debt-to-equity ratio combined with weak 0.3x interest coverage and negative FCF margin signals potential liquidity stress despite substantial cash reserves.
Why Buy GS? Key Strengths
- Exceptional revenue growth of 492.8% YoY indicates strong market activity and business momentum
- Healthy net profit margin of 21.4% and operating margin of 27.2% demonstrate operational efficiency
- Substantial cash reserves of $164.3B provide significant liquidity buffer and financial flexibility
GS Investment Risks to Consider
- Severe negative free cash flow of -$47.2B with -58.7% FCF margin questions earnings quality and sustainability
- Operating cash flow significantly negative at -$45.2B despite positive net income suggests potential working capital deterioration or non-cash accounting items
- Elevated leverage with 1.83x debt-to-equity and concerning 0.3x interest coverage ratio creates refinancing risk in rising rate environment
Key Metrics to Watch
- Operating cash flow trend and return to positive territory
- Free cash flow sustainability and working capital management
- Debt-to-equity ratio trajectory and interest coverage improvement
GS Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
GS Profitability Ratios
GS vs Default Sector
How GOLDMAN SACHS GROUP INC compares to Default sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is GS Overvalued or Undervalued?
Based on fundamental analysis, GOLDMAN SACHS GROUP INC has mixed fundamental signals relative to the Default sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
GS Balance Sheet & Liquidity
GS 5-Year Financial Trend & Growth Analysis
5-Year Trend Summary: GOLDMAN SACHS GROUP INC's revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $22.87 reflects profitable operations.
GS Growth Metrics (YoY)
GS Capital Allocation
GS SEC 10-K & 10-Q Filing Analysis
Access official SEC EDGAR filings for GOLDMAN SACHS GROUP INC (CIK: 0000886982)
📋 Recent SEC Filings
❓ Frequently Asked Questions about GS
What is the AI rating for GS?
GOLDMAN SACHS GROUP INC (GS) has an AI rating of SELL with 82% confidence, based on fundamental analysis of SEC EDGAR filings.
What are GS's key strengths?
Claude: Exceptional revenue growth of 492.8% YoY indicates strong market activity and business momentum. Healthy net profit margin of 21.4% and operating margin of 27.2% demonstrate operational efficiency.
What are the risks of investing in GS?
Claude: Severe negative free cash flow of -$47.2B with -58.7% FCF margin questions earnings quality and sustainability. Operating cash flow significantly negative at -$45.2B despite positive net income suggests potential working capital deterioration or non-cash accounting items.
What is GS's revenue and growth?
GOLDMAN SACHS GROUP INC reported revenue of $80.4B.
Does GS pay dividends?
GOLDMAN SACHS GROUP INC pays dividends, with $5,277.0M distributed to shareholders in the trailing twelve months.
Where can I find GS SEC filings?
Official SEC filings for GOLDMAN SACHS GROUP INC (CIK: 0000886982) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is GS's EPS?
GOLDMAN SACHS GROUP INC has a diluted EPS of $51.32.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is GS a good stock to buy right now?
Based on our AI fundamental analysis in March 2026, GOLDMAN SACHS GROUP INC has a SELL rating with 82% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is GS stock overvalued or undervalued?
Valuation metrics for GS: ROE of 13.7% (sector avg: 15%), net margin of 21.4% (sector avg: 12%). Compare these metrics with sector averages to assess valuation.
Should I buy GS stock in 2026?
Our dual AI analysis gives GOLDMAN SACHS GROUP INC a combined SELL rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is GS's free cash flow?
GOLDMAN SACHS GROUP INC's operating cash flow is $-45.2B, with capital expenditures of $2.1B. FCF margin is -58.7%.
How does GS compare to other Default stocks?
Vs Default sector averages: Net margin 21.4% (avg: 12%), ROE 13.7% (avg: 15%), current ratio N/A (avg: 1.8).