Looking up the ticker with the regulator···
0s · usually 20–30 seconds for a cold read
Looking up the ticker with the regulator···
0s · usually 20–30 seconds for a cold read
The Goldman Sachs Group, Inc.
Rule-based classification of fundamentals against the sector. Not a price forecast and not investment advice.
Weak signals across every dimension
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1 of 5 met · composite in line with peers
Business quality, valuation against the sector, and position in the 52-week range — whether they line up or not.
Mixed signals
2 signals unavailable
Profitability
2/4
Debt & liquidity
2/3
Efficiency
1/2
EPS growth of 26.6% — +41% above the sector median — is the sharpest number on the page, and the last reported quarter reinforced it: the firm beat consensus by 45% on earnings per share. ROE, at 13.9%, runs -7% below the sector median of 15.0%, which means the earnings surge has not yet translated into proportionate returns on equity. P/B sits at 2.5×, -13% below the sector median of 2.8×, so the market is not pricing in a premium despite the growth. The forward picture tilts more constructively: consensus, which tends toward optimism, is here modeled as pessimistic relative to the realized three-year EPS CAGR of {{value:eps_cagr_3y}} per SEC filings — a less common configuration — and the beat rate over eight quarters is strong. The F-Score of 5/9 and a composite of 52/100 reflect the mixed picture: growth leads, but capital efficiency lags.
| Ticker | Name | F-Score | ROE | Revenue YoY | Op. margin |
|---|---|---|---|---|---|
| AXP | American Express | 4/9 | 34% |
Quarter-by-quarter classification · a retrospective read by the current logic · not a price forecast
Rule-based classification of fundamentals against the sector. Not a price forecast and not investment advice. The method did not see these quarters in real time; this is the current logic applied to past reports.
The market prices in earnings growth; analyst sentiment is steady; has mostly beaten consensus.
Price against next year's expected earnings. The forward P/E already carries analyst optimism — read it alongside the “Versus consensus” line.
A forward P/E below the current one means the market expects earnings to grow; above it, to fall. The historical growth is realized figures from SEC filings, not a forecast.
The three-month change in the share of positive analyst ratings. This is sentiment, not an earnings-estimate revision, and not a call to act.
When GS reports on 2026-10-13, track whether EPS growth holds above the 18.8% sector median and whether ROE closes its 7% gap to that same benchmark. Also note any shift in FCF yield, which currently sits 410% below the sector median — a persistent drag on the efficiency score.
Pull the most recent 10-K on SEC EDGAR and focus on management's discussion of capital allocation and return-on-equity targets, given the current ROE of 15.0× against the sector median. The Leverage and Liquidity sub-score of 2/3 also warrants a close read of the funding and liquidity risk disclosures.
From the alphabetical same-sector table in section 06, pick two or three companies and line up one metric — P/B, ROE, or FCF yield. GS carries a P/B of 2.83×, which is 13% below the sector median, giving you a concrete anchor for that comparison.
Steps you can check yourself, based on the figures in this brief.
Piotroski F-Score: nine binary tests of financial strength from the annual report. A ✓ marks a test passed, a dot (·) a test failed.
Over 4 years: +204%-400%-3%-209%
Over 4 years: 0.00———
Over 4 years: -20%-2%+16%+9%
The context on the right shows how each figure compares with the sector median. The trend below tracks the change over recent fiscal years.
Beat consensus in 8 of 8 recent quarters — the company clears estimates regularly (consensus is often set conservatively).
Last quarter's EPS against consensus, plus the estimated date of the next report.
| +6% |
| — |
| BAC | Bank of America | 5/9 | 10% | +7% | — |
| BLK | BlackRock | 3/9 | 11% | +19% | 29% |
| C | Citigroup | 3/9 | 7% | +6% | — |
| CB | Chubb | 6/9 | 15% | +7% | — |
| GS | The Goldman Sachs Group, Inc. | 5/9 | 14% | +9% | — |
| JPM | JPMorgan Chase | 3/9 | 16% | +3% | — |
| MA | Mastercard | 7/9 | 210% | +16% | 58% |
| MS | Morgan Stanley | 3/9 | 16% | +14% | — |
| PGR | Progressive | 6/9 | 40% | +16% | — |
| SCHW | Charles Schwab | 5/9 | 18% | +22% | — |
| SPGI | S&P Global | 7/9 | 14% | +8% | 42% |
| USB | U.S. Bancorp | 7/9 | 12% | +4% | — |
| V | Visa | 5/9 | 64% | +11% | 60% |
| WFC | Wells Fargo | 3/9 | 12% | +2% | — |
A sample of 15 companies in the sector including the target, alphabetical, unranked. Data from the latest SEC annual reports.
Rule-based classification of fundamentals against the sector. Not a price forecast and not investment advice.
A simplified retrospective read: no analyst forecast (not available historically); the source is the annual report as of the date, so neighbouring quarters can rest on the same data. Quarters with the same classification in a row are merged into one row — each row is one change in the read, not a separate quarter. One ticker is an illustration of the classification logic, not statistics. How we calculate →
The last few quarters are recent context, not a fixed rate. Consensus for near quarters is set low, so companies clear it routinely; over long horizons the forecasts run the other way, too high.
A description of what the market and analysts expect. Not a price forecast and not investment advice. Analyst forecasts run systematically optimistic over long horizons — read them with that discount.