AII
American Integrity Insurance Group, Inc.
There isn't enough reported data to score AII yet.
GS
The Goldman Sachs Group, Inc.
GS's fundamentals are strong: revenue grew 19% and its operating margin rose 4 points to 40%. Its PE isn't a useful guide right now because of how its recent earnings were reported.
AII Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
AII's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like AII.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
AII PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 3.9x | $20.48 | -28% |
| Fair | 5.3x | $27.72 | -2.5% |
| Current | 5.4x | $28.42 | — |
| Expensive | 5.9x | $31.18 | +9.7% |
| Forward | 9x | $28.42 | — |
Historical ranges are pointers, not guarantees.
AII has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
AII Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Decline | |
| Growth | |
| Weakening | |
| Limited | |
| Low |
Analysts expect AII's revenue to grow, but its earnings and profitability to decline. However, they disagree widely on these estimates.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
GS has the edge over AII on the outlook, with more favorable valuation and earnings expectations.
AII Earnings Per Share
AII and GS do not have enough comparable growth data to identify a winner.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS's earnings per share have climbed steadily: $69.58 over the past year, up 41% from the year before, and higher year over year for 10 quarters in a row. Its recent earnings include one-off gains.
AII Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $113.5M | +83% |
| Q2 2026 | $115.2M | +55% |
| Q1 2026 | $90.9M | +26% |
| Q4 2025 | $68.1M | +1.4% |
| Q3 2025 | $62M | +33% |
| Q2 2025 | $74.5M | +61% |
| Q1 2025 | $71.9M | +62% |
AII has the edge over GS on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 35% | +4.6 points |
| Q2 2026 | 40% | +8 points |
| Q1 2026 | 30% | -30 points |
| Q4 2025 | 43% | +27 points |
| Q3 2025 | 30% | +16 points |
| Q2 2025 | 32% | -12 points |
| Q1 2025 | 60% | +30 points |
| Q4 2024 | 16% | N/A |
AII's operating margin was 35% last quarter, up 4.6 points from the same quarter a year ago.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS's revenue is growing: $18.7B last quarter, up 23% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS has the edge over AII on profitability, with a higher operating margin.
AII Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $117.3M | +$129.3M |
| Q2 2026 | $119.8M | +345% |
| Q1 2026 | $5.5M | -92% |
| Q4 2025 | $50.2M | -67% |
| Q3 2025 | -$11.9M | +$19.3M |
| Q2 2025 | $26.9M | -43% |
| Q1 2025 | $68M | +$88.7M |
AII has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
AII Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +74.6K shares |
| 1 year | +0.5% | +92.5K shares |
AII has 20M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | — |
| Q1 2024 | — |
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over AII on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
AII Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.7x | Net Cash |
| Q2 2026 | -2.3x | Net Cash |
| Q1 2026 | -1.7x | Net Cash |
| Q4 2025 | -1.7x | Net Cash |
| Q3 2025 | -1.5x | Net Cash |
| Q2 2025 | -3.0x | Net Cash |
| Q1 2025 | -2.8x | Net Cash |
| Q4 2024 | -3.2x | Net Cash |
AII has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like AII.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has the edge over AII on leverage, with a lower net debt burden relative to earnings.
AII Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 67.1 | Neutral |
| Stochastic | 78.5 | Neutral |
AII's weekly RSI is 67 (neutral) and its Stochastic is 79 (neutral).
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
AII PE vs Financial Services Sector
| Metric | AII | Sector median | Relative |
|---|---|---|---|
| PE | 5.4x | 13x | 59% below |
| PE % | 54 | 17 | 37 pts above |
AII has the edge over GS on valuation relative to its sector.
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
AII Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $27.4 | 3.8% above |
| 20 week MA | $24.5 | 16% above |
| 50 week MA | $21.1 | 35% above |
AII has stronger trend alignment. AII is above 3 of 3 weekly averages versus GS above 3 of 5.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
AII Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2025 | $17.3 | $20.6 | +19% |
| 2026 YTD | $20.6 | $28.4 | +38% |
AII has the edge over GS on returns for 2026, with the stronger performance.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.