CFFN
Capitol Federal Financial, Inc.
CFFN has the edge over GS overall, supported by stronger valuation and stronger modeled upside.
GS
The Goldman Sachs Group, Inc.
GS's outlook is improving, though it still trails on the overall score.
CFFN Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
CFFN's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CFFN.
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.
CFFN PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 11x | $8.46 | — |
| Cheap | 13x | $8.40 | -0.7% |
| Current | 13x | $8.46 | — |
| Fair | 15x | $10.01 | +18% |
| Expensive | 21x | $13.83 | +63% |
Historical ranges are pointers, not guarantees.
CFFN 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.
CFFN Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
CFFN has the edge over GS on the outlook, with more favorable valuation expectations.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
CFFN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.78 | +19% |
| Q2 2026 | $0.65 | +38% |
| Q1 2026 | $0.60 | +50% |
| Q4 2025 | $0.56 | +44% |
| Q3 2025 | $0.52 | +79% |
| Q2 2023 | $0.43 | -31% |
| Q1 2023 | $0.53 | -10% |
| Q4 2022 | $0.58 | 0% |
| Q3 2022 | $0.62 | +11% |
CFFN earned $0.65 per share over the past year, up 38% 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 CFFN on earnings, with more consistent year-over-year improvement.
CFFN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $60.2M | +19% |
| Q1 2026 | $57.7M | +18% |
| Q4 2025 | $56.8M | +21% |
| Q3 2025 | $54.6M | +20% |
| Q2 2025 | $50.7M | +13% |
| Q1 2025 | $48.8M | +6.2% |
| Q4 2024 | $46.9M | +53% |
| Q2 2024 | $45M | +11% |
CFFN has the edge over GS on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 49% | +6 points |
| Q1 2026 | 43% | +4 points |
| Q4 2025 | 44% | +3.7 points |
| Q3 2025 | 42% | +0.1 points |
| Q2 2025 | 43% | +8 points |
| Q1 2025 | 39% | +2 points |
| Q4 2024 | 41% | +34 points |
| Q3 2024 | 42% | N/A |
CFFN has the edge over GS on profitability, with a higher operating margin.
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's operating margin was 37% last quarter, up 2 points from the same quarter a year ago.
CFFN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $15.7M | +46% |
| Q1 2026 | $20.1M | +37% |
| Q4 2025 | $15.8M | +255% |
| Q3 2025 | $19.9M | +$24.7M |
| Q2 2025 | $10.8M | -35% |
| Q1 2025 | $14.7M | -23% |
| Q4 2024 | $4.5M | +$11.1M |
| Q2 2024 | $16.4M | +128% |
CFFN 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.
CFFN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -2.1% | -2.6M shares |
| 1 year | -4.7% | -6.1M shares |
| 3 years | -6.9% | -9.1M shares |
| 5 years | -8.5% | -11.5M shares |
| Available history | -10% | -13.9M shares |
CFFN has the edge over GS on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2026 | $14.2M |
| Q1 2026 | $15.8M |
| Q4 2025 | $16M |
| Q3 2025 | $3.9M |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | $1,000 |
CFFN spent $50M buying back its own shares over the past year, more than ten times what it spent 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 301M diluted shares, down 4.4% from a year ago, with $15B in buybacks over the past year.
| 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.
CFFN Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | -1.2x | Net Cash |
| Q1 2026 | -3.2x | Net Cash |
| Q4 2025 | -2.4x | Net Cash |
| Q3 2025 | 18.7x | High |
| Q2 2025 | -2.0x | Net Cash |
| Q1 2025 | -4.2x | Net Cash |
| Q4 2024 | -2.1x | Net Cash |
| Q3 2024 | 31.3x | High |
CFFN has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CFFN.
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 CFFN on leverage, with a lower net debt burden relative to earnings.
CFFN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.3 | Neutral |
| Stochastic | 39.0 | Neutral |
CFFN's weekly RSI is 54 (neutral) and its Stochastic is 39 (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).
CFFN PE vs Financial Services Sector
| Metric | CFFN | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | Same PE |
| PE % | 19 | 63 | 44 pts below |
CFFN 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.
CFFN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $8.44 | 0.2% above |
| 20 week MA | $8.60 | 1.6% below |
| 50 week MA | $7.87 | 7.5% above |
| 100 week MA | $6.92 | 22% above |
| 200 week MA | $6.51 | 30% above |
CFFN 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.
CFFN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $13.7 | $12.4 | -9.8% |
| 2021 | $12.4 | $11.4 | -8.2% |
| 2022 | $11.4 | $8.60 | -24% |
| 2023 | $8.60 | $6.45 | -25% |
| 2024 | $6.45 | $5.95 | -7.8% |
| 2025 | $5.95 | $7.00 | +18% |
| 2026 YTD | $7.00 | $8.46 | +21% |
CFFN 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.