CB
Chubb Limited
CB has slightly lower modeled downside risk, despite its lower overall score.
GS
The Goldman Sachs Group, Inc.
GS has the edge over CB overall, supported by stronger fundamentals and stronger modeled upside.
CB Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
CB's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like CB.
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.
CB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $317 | -15% |
| Fair | 13x | $363 | -2.3% |
| Current | 13x | $372 | — |
| Forward | 13x | $372 | — |
| Expensive | 16x | $457 | +23% |
Historical ranges are pointers, not guarantees.
CB 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.
CB Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Stable | |
| Improving | |
| Moderate | |
| Moderate |
Analysts expect CB's earnings to grow and its profitability to improve, with its revenue holding steady.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
GS has the edge over CB on the outlook, with more favorable revenue expectations.
CB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $28.98 | +1.6% |
| Q3 2026 | $28.53 | +19% |
| Q2 2026 | $28.22 | +25% |
| Q1 2026 | $28.27 | +36% |
| Q4 2025 | $25.68 | +13% |
| Q3 2025 | $23.94 | -1.8% |
| Q2 2025 | $22.65 | -4.2% |
| Q1 2025 | $20.76 | -7.7% |
| Q4 2024 | $22.70 | +4.1% |
CB earned $28.53 per share over the past year, up 19% from the year before.
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 has the edge over CB on earnings, with more consistent year-over-year improvement.
CB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $16.2B | +0.3% |
| Q2 2026 | $15.8B | +6.6% |
| Q1 2026 | $14.8B | +11% |
| Q4 2025 | $15.1B | +6.3% |
| Q3 2025 | $16.1B | +8.7% |
| Q2 2025 | $14.8B | +7.2% |
| Q1 2025 | $13.4B | +3.6% |
| Q4 2024 | $14.2B | +9.1% |
CB's revenue has grown year over year for 18 quarters in a row: $16.2B last quarter, about level with the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 21% | -3.1 points |
| Q2 2026 | 23% | -2.1 points |
| Q1 2026 | 20% | +7.8 points |
| Q4 2025 | 25% | +3 points |
| Q3 2025 | 24% | +3.9 points |
| Q2 2025 | 25% | +5.5 points |
| Q1 2025 | 12% | -8 points |
| Q4 2024 | 22% | +1.9 points |
CB's operating margin was 21% last quarter, down 3.1 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 CB on profitability, with a higher operating margin.
CB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $6.1B | +67% |
| Q2 2026 | $3.7B | +5% |
| Q1 2026 | $3.9B | +152% |
| Q4 2025 | $4.1B | -11% |
| Q3 2025 | $3.6B | -16% |
| Q2 2025 | $3.6B | -13% |
| Q1 2025 | $1.6B | -51% |
| Q4 2024 | $4.6B | +43% |
CB 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.
CB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.5% | -1.9M shares |
| 1 year | -2.9% | -11.5M shares |
| 3 years | -5.6% | -23.2M shares |
| 5 years | -11% | -49.1M shares |
| Available history | -15% | -69.5M shares |
CB has 389M diluted shares, down 2.9% from a year ago, with $4.4B in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1B |
| Q2 2026 | $1.1B |
| Q1 2026 | $1.2B |
| Q4 2025 | $1.2B |
| Q3 2025 | $1.1B |
| Q2 2025 | $746M |
| Q1 2025 | $691M |
| Q4 2024 | $450M |
CB spent $4.4B buying back its own shares over the past year, up 50% from the year before.
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 CB 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.
CB Net Leverage
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 more cash than debt. Net leverage isn't a meaningful measure for financial services companies like GS.
CB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 66.4 | Neutral |
| Stochastic | 78.5 | Neutral |
CB's weekly RSI is 66 (neutral) and its Stochastic is 78 (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).
CB PE vs Financial Services Sector
| Metric | CB | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.1% above |
| PE % | 56 | 63 | 7 pts below |
CB 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.
CB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $352.7 | 5.4% above |
| 20 week MA | $349.4 | 6.4% above |
| 50 week MA | $332.3 | 12% above |
| 100 week MA | $306.4 | 21% above |
| 200 week MA | $271.1 | 37% above |
CB has the edge over GS on trend strength, trading above more of its moving averages.
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.
CB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $155.8 | $150.8 | -3.2% |
| 2021 | $150.8 | $190.6 | +26% |
| 2022 | $190.6 | $219.7 | +15% |
| 2023 | $219.7 | $226.0 | +2.9% |
| 2024 | $226.0 | $277.7 | +23% |
| 2025 | $277.7 | $313.5 | +13% |
| 2026 YTD | $313.5 | $371.8 | +19% |
CB 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.