FINW
FinWise Bancorp
FINW trails on the overall score without a compensating advantage in the available component scores.
GS
The Goldman Sachs Group, Inc.
GS has the edge over FINW overall, supported by stronger valuation and stronger modeled upside.
FINW Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
FINW's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like FINW.
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.
FINW PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 4.2x | $5.71 | -61% |
| Fair | 9.7x | $13.13 | -9.4% |
| Current | 11x | $14.49 | — |
| Forward | 16x | $14.49 | — |
| Expensive | 17x | $22.71 | +57% |
Historical ranges are pointers, not guarantees.
FINW's PE is in its fair range at 11x. Analysts expect earnings to fall, which would put today's price at 16x next year's earnings, in its expensive range.
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 has the edge over FINW in the historical PE scenario, which offers more potential upside but is not a forecast.
FINW Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Decline | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| Moderate |
Analysts expect FINW's revenue to grow, but its earnings and profitability to decline.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
GS has the edge over FINW on the outlook, with more favorable valuation and earnings expectations.
FINW Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.91 | -33% |
| Q3 2026 | $1.35 | +29% |
| Q2 2026 | $0.96 | 0% |
| Q1 2026 | $1.10 | +21% |
| Q4 2025 | $1.13 | +22% |
| Q3 2025 | $1.05 | -0.9% |
| Q2 2025 | $0.96 | -19% |
| Q1 2025 | $0.91 | -29% |
| Q4 2024 | $0.93 | -30% |
FINW's earnings per share have fallen from their peak: $1.35 over the past year, against $1.87 in late 2022.
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 FINW on earnings, with more consistent year-over-year improvement.
FINW Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $102.7M | +180% |
| Q2 2026 | $54.3M | +117% |
| Q1 2026 | $42.7M | +93% |
| Q4 2025 | $46.9M | +122% |
| Q3 2025 | $36.7M | +76% |
| Q2 2025 | $25.1M | +29% |
| Q1 2025 | $22.1M | +13% |
| Q4 2024 | $21.1M | +3.6% |
FINW has the edge over GS on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 13% | -4.6 points |
| Q2 2026 | 5.2% | -17 points |
| Q1 2026 | 8.9% | -11 points |
| Q4 2025 | 12% | -5.8 points |
| Q3 2025 | 17% | -4.7 points |
| Q2 2025 | 22% | +0.2 points |
| Q1 2025 | 20% | -3.1 points |
| Q4 2024 | 17% | -11 points |
FINW's operating margin was 13% last quarter, down 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 FINW on profitability, with a higher operating margin.
FINW Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $63.4M | +1747% |
| Q2 2026 | -$25.7M | -$8.8M |
| Q1 2026 | $19.7M | +$42.9M |
| Q4 2025 | $8.1M | +1263% |
| Q3 2025 | $3.4M | +$15.5M |
| Q2 2025 | -$16.9M | -$8.1M |
| Q1 2025 | -$23.3M | -6594% |
| Q4 2024 | $592K | -93% |
FINW 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.
FINW Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -10.4K shares |
| 1 year | +0.3% | +47.5K shares |
| 3 years | +6.2% | +795K shares |
FINW has 14M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $2.2M |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | $5,000 |
| Q2 2024 | $286,000 |
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 FINW 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.
FINW Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -3.1x | Net Cash |
| Q2 2026 | -4.0x | Net Cash |
| Q1 2026 | -3.8x | Net Cash |
| Q4 2025 | -6.1x | Net Cash |
| Q3 2025 | -4.3x | Net Cash |
| Q2 2025 | -3.9x | Net Cash |
| Q1 2025 | -5.3x | Net Cash |
| Q4 2024 | -4.9x | Net Cash |
FINW has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like FINW.
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 FINW on leverage, with a lower net debt burden relative to earnings.
FINW Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 56.3 | Neutral |
| Stochastic | 82.0 | Overbought |
FINW's weekly RSI is 56 (neutral) and its Stochastic is 82 (overbought).
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).
FINW PE vs Financial Services Sector
| Metric | FINW | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 18% below |
| PE % | 53 | 64 | 11 pts below |
FINW 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.
FINW Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $12.0 | 20% above |
| 20 week MA | $13.1 | 11% above |
| 50 week MA | $15.0 | 3.4% below |
| 100 week MA | $16.1 | 9.9% below |
| 200 week MA | $13.6 | 6.5% above |
FINW's trend is mixed: it's above three of its five weekly moving averages, and 6.5% above its 200-week average.
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.
FINW Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $12.7 | $13.4 | +5.4% |
| 2022 | $13.4 | $9.68 | -28% |
| 2023 | $9.68 | $14.3 | +48% |
| 2024 | $14.3 | $16.1 | +13% |
| 2025 | $16.1 | $17.8 | +11% |
| 2026 YTD | $17.8 | $14.5 | -19% |
FINW has finished higher in four of the last five years. It's down 19% so far in 2026.
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 the edge over FINW on returns for 2026, with the stronger performance.