GS
The Goldman Sachs Group, Inc.
GS has a slight edge over HIG overall, supported by stronger fundamentals.
HIG
The Hartford Financial Services Group, Inc.
HIG has slightly lower modeled downside risk, despite its lower overall score.
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.
HIG Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
HIG'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 HIG.
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.
HIG PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 8.3x | $137 | — |
| Cheap | 9.2x | $152 | +11% |
| Forward | 10x | $137 | — |
| Fair | 11x | $187 | +37% |
| Expensive | 13x | $208 | +52% |
Historical ranges are pointers, not guarantees.
HIG has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
GS has the edge over HIG on the outlook, with more favorable valuation and earnings expectations.
HIG Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Stable | |
| Stable | |
| Stable | |
| Moderate | |
| Moderate |
Analysts expect HIG's earnings, revenue and profitability to hold roughly steady.
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 HIG on earnings, with stronger typical year-over-year growth.
HIG Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.28 | -20% |
| Q3 2026 | $16.50 | +35% |
| Q2 2026 | $15.45 | +40% |
| Q1 2026 | $14.21 | +42% |
| Q4 2025 | $13.32 | +29% |
| Q3 2025 | $12.24 | +23% |
| Q2 2025 | $11.03 | +16% |
| Q1 2025 | $10.03 | +14% |
| Q4 2024 | $10.35 | +30% |
HIG's earnings per share have climbed steadily: $16.50 over the past year, up 35% from the year before, and higher year over year for 14 quarters in a row.
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 has the edge over HIG on sales, with stronger typical year-over-year growth.
| 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 HIG on profitability, with a higher operating margin.
HIG Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $7.2B | -0.2% |
| Q2 2026 | $7.3B | +4% |
| Q1 2026 | $7.2B | +6.1% |
| Q4 2025 | $7.3B | +6.7% |
| Q3 2025 | $7.2B | +7.1% |
| Q2 2025 | $7B | +7.7% |
| Q1 2025 | $6.8B | +6.1% |
| Q4 2024 | $6.9B | +7.5% |
HIG's revenue is growing: $7.2B last quarter, about level with the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 22% | +3.7 points |
| Q2 2026 | 17% | -0.9 points |
| Q1 2026 | 15% | +3.1 points |
| Q4 2025 | 19% | +3.6 points |
| Q3 2025 | 18% | +4.1 points |
| Q2 2025 | 18% | +3.8 points |
| Q1 2025 | 12% | -2.7 points |
| Q4 2024 | 16% | +0.8 points |
HIG's operating margin was 22% last quarter, up 3.7 points from the same quarter a year ago, near the top of its range since 2019.
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.
HIG Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $1.3B | +4.2% |
| Q1 2026 | $1B | +7.1% |
| Q4 2025 | $1.8B | -7.3% |
| Q3 2025 | $1.8B | +11% |
| Q2 2025 | $1.3B | +4.3% |
| Q1 2025 | $947M | -9.6% |
| Q4 2024 | $1.9B | +22% |
| Q3 2024 | $1.6B | -5.9% |
HIG has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
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 HIG 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.
HIG Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.2M shares |
| 1 year | -4.2% | -11.9M shares |
| 3 years | -12% | -35.9M shares |
| 5 years | -22% | -77.6M shares |
| Available history | -25% | -91.8M shares |
HIG has 273M diluted shares, down 4.2% from a year ago, with $1.8B in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $475M |
| Q2 2026 | $466M |
| Q1 2026 | $450M |
| Q4 2025 | $400M |
| Q3 2025 | $400M |
| Q2 2025 | $415M |
| Q1 2025 | $400M |
| Q4 2024 | $414M |
HIG spent $1.8B buying back its own shares over the past year, up 9.9% from the year before.
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 HIG on leverage, with a lower net debt burden relative to earnings.
HIG Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.7x | Very low |
| Q2 2026 | 0.8x | Very low |
| Q1 2026 | 0.8x | Very low |
| Q4 2025 | 0.8x | Very low |
| Q3 2025 | 0.9x | Very low |
| Q2 2025 | 1.0x | Very low |
| Q1 2025 | 1.1x | Healthy |
| Q4 2024 | 1.0x | Very low |
HIG's net debt is less than a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like HIG.
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).
HIG Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 53.1 | Neutral |
| Stochastic | 57.9 | Neutral |
HIG's weekly RSI is 53 (neutral) and its Stochastic is 58 (neutral).
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.
HIG PE vs Financial Services Sector
| Metric | HIG | Sector median | Relative |
|---|---|---|---|
| PE | 8.3x | 13x | 36% below |
| PE % | 8 | 63 | 55 pts below |
HIG has the edge over GS on valuation relative to its sector.
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.
HIG Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $131.8 | 3.8% above |
| 20 week MA | $135.8 | 0.8% above |
| 50 week MA | $135.3 | 1.2% above |
| 100 week MA | $129.3 | 5.9% above |
| 200 week MA | $109.0 | 26% above |
HIG has the edge over GS on trend strength, trading above more of its moving averages.
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 HIG on returns for 2026, with the stronger performance.
HIG Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $60.6 | $48.4 | -20% |
| 2021 | $48.4 | $68.3 | +41% |
| 2022 | $68.3 | $76.1 | +12% |
| 2023 | $76.1 | $80.4 | +5.6% |
| 2024 | $80.4 | $110.1 | +37% |
| 2025 | $110.1 | $138.7 | +26% |
| 2026 YTD | $138.7 | $136.9 | -1.3% |
HIG has finished higher in five of the last six years. It's down 1.3% so far in 2026.