GS
The Goldman Sachs Group, Inc.
GS has the edge over HTB overall, supported by stronger fundamentals.
HTB
HomeTrust Bancshares, Inc.
HTB 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.
HTB Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
HTB'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 HTB.
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.
HTB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.5x | $37.58 | -20% |
| Forward | 11x | $47.22 | — |
| Fair | 12x | $47.66 | +0.9% |
| Current | 12x | $47.22 | — |
| Expensive | 18x | $73.15 | +55% |
Historical ranges are pointers, not guarantees.
HTB 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 HTB on the outlook, with more favorable profitability expectations.
HTB Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| Low |
Analysts expect strong earnings and revenue growth for HTB, but weaker profitability. However, they disagree widely on these estimates.
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 HTB on earnings, with stronger typical year-over-year growth.
HTB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.16 | +4.8% |
| Q3 2026 | $3.97 | +9.7% |
| Q2 2026 | $3.81 | +11% |
| Q1 2026 | $3.87 | +22% |
| Q4 2025 | $3.72 | +16% |
| Q3 2023 | $3.08 | +41% |
| Q2 2023 | $2.80 | +26% |
| Q1 2023 | $2.29 | +66% |
| Q4 2022 | $2.40 | +78% |
HTB's earnings per share have climbed steadily: $3.97 over the past year, up 9.7% 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'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 HTB on profitability, with a higher operating margin.
HTB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $55.5M | +2.6% |
| Q2 2026 | $54.5M | +0.3% |
| Q1 2026 | $54.3M | +6.7% |
| Q4 2025 | $53.6M | +4.2% |
| Q3 2025 | $54.1M | +7.5% |
| Q2 2025 | $54.4M | +8.2% |
| Q1 2025 | $50.9M | +1.8% |
| Q3 2024 | $50.4M | -0.8% |
HTB's revenue has grown year over year for eight quarters in a row: $56M last quarter, up 2.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | -1.5 points |
| Q2 2026 | 36% | -4.1 points |
| Q1 2026 | 39% | +2.4 points |
| Q4 2025 | 37% | +1.4 points |
| Q3 2025 | 39% | +5.2 points |
| Q2 2025 | 40% | +8.7 points |
| Q1 2025 | 36% | -1.8 points |
| Q4 2024 | 36% | N/A |
HTB's operating margin was 37% last quarter, down 1.5 points from the same quarter a year ago.
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.
HTB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $9.3M | +$21.3M |
| Q2 2026 | $126K | +$10.3M |
| Q1 2026 | $110M | +56% |
| Q4 2025 | -$3.2M | -214% |
| Q2 2025 | -$10.2M | -279% |
| Q1 2025 | $70.7M | +$80.3M |
| Q2 2024 | $5.7M | +$69.2M |
| Q3 2023 | -$33.2M | -543% |
HTB 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 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.
HTB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -2.6% | -424K shares |
| 1 year | -6.6% | -1.1M shares |
| 3 years | +1.4% | +218K shares |
| 5 years | -3% | -496K shares |
| Available history | -8.9% | -1.6M shares |
HTB has the edge over GS on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $44.8M |
| Q2 2026 | $7.2M |
| Q1 2026 | $23.1M |
| Q4 2025 | $10.3M |
| Q3 2025 | — |
| Q2 2025 | $2.8M |
| Q1 2025 | $503,000 |
| Q4 2024 | — |
HTB spent $85M buying back its own shares over the past year, more than ten times what it spent 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 HTB on leverage, with a lower net debt burden relative to earnings.
HTB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.4x | Net Cash |
| Q2 2026 | -1.2x | Net Cash |
| Q1 2026 | -2.5x | Net Cash |
| Q4 2025 | -1.9x | Net Cash |
| Q3 2025 | -1.0x | Net Cash |
| Q4 2022 | -0.7x | Net Cash |
| Q3 2022 | -2.0x | Net Cash |
| Q2 2022 | -2.2x | Net Cash |
HTB has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like HTB.
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).
HTB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.2 | Neutral |
| Stochastic | 28.3 | Neutral |
HTB's weekly RSI is 51 (neutral) and its Stochastic is 28 (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.
HTB PE vs Financial Services Sector
| Metric | HTB | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 8.7% below |
| PE % | 47 | 63 | 16 pts below |
HTB 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.
HTB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $46.8 | 1% above |
| 20 week MA | $47.9 | 1.5% below |
| 50 week MA | $45.9 | 2.9% above |
| 100 week MA | $41.6 | 14% above |
| 200 week MA | $34.3 | 38% above |
HTB 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 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.
HTB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $26.9 | $19.4 | -28% |
| 2021 | $19.4 | $30.9 | +59% |
| 2022 | $30.9 | $24.5 | -21% |
| 2023 | $24.5 | $26.9 | +10% |
| 2024 | $26.9 | $33.9 | +26% |
| 2025 | $33.9 | $43.4 | +28% |
| 2026 YTD | $43.4 | $47.2 | +8.8% |
HTB has the edge over GS on returns for 2026, with the stronger performance.