GS
The Goldman Sachs Group, Inc.
GS has the edge over IGIC overall, supported by stronger fundamentals and stronger valuation.
IGIC
International General Insurance Holdings Ltd.
IGIC trails on the overall score without a compensating advantage in the available component scores.
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.
IGIC Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
IGIC's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like IGIC.
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.
IGIC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 5.8x | $14.44 | -40% |
| Forward | 8.6x | $23.89 | — |
| Fair | 9.1x | $22.62 | -5.3% |
| Current | 9.6x | $23.89 | — |
| Expensive | 12x | $29.05 | +22% |
Historical ranges are pointers, not guarantees.
IGIC 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 |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
IGIC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Stable | |
| Stable | |
| Improving | |
| Limited | |
| High |
Analysts expect IGIC's profitability to improve, with its earnings and revenue holding 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 IGIC on earnings, with more consistent year-over-year improvement.
IGIC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.78 | +11% |
| Q2 2026 | $2.49 | -9.8% |
| Q1 2026 | $2.77 | +1.8% |
| Q4 2025 | $2.87 | -3.4% |
| Q3 2025 | $2.76 | -9.2% |
| Q2 2025 | $2.76 | +9.1% |
| Q1 2025 | $2.72 | +1.5% |
| Q4 2024 | $2.97 | +16% |
| Q3 2024 | $3.04 | +29% |
IGIC earned $2.49 per share over the past year, down 9.8% from the year before.
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 IGIC on sales, with more consistent year-over-year improvement.
| 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 IGIC on profitability, with a higher operating margin.
IGIC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $142.5M | -0.3% |
| Q1 2026 | $125.6M | -7.8% |
| Q4 2025 | $126.4M | +3.3% |
| Q3 2025 | $122.5M | -16% |
| Q2 2025 | $143M | +5.7% |
| Q1 2025 | $136.2M | +10% |
| Q4 2024 | $122.4M | -7.2% |
| Q3 2024 | $145M | +53% |
IGIC's revenue is shrinking: $143M last quarter, about level with the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 15% | -9.5 points |
| Q1 2026 | 18% | -3.6 points |
| Q4 2025 | 24% | +3.3 points |
| Q3 2025 | 27% | +2.5 points |
| Q2 2025 | 24% | -0.6 points |
| Q1 2025 | 21% | -9.2 points |
| Q4 2024 | 21% | -5.3 points |
| Q3 2024 | 25% | +12 points |
IGIC's operating margin was 15% last quarter, down 9.5 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 has the edge over IGIC on cash flow, with more consistent year-over-year improvement.
IGIC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $0 | $0 |
| Q1 2026 | $0 | $0 |
| Q4 2025 | $0 | $0 |
| Q3 2025 | $0 | $0 |
| Q2 2025 | $0 | $0 |
| Q1 2025 | $0 | $0 |
| Q4 2024 | $0 | $0 |
| Q3 2024 | $0 | $0 |
IGIC's free cash flow was $0 over the past year, against $0 the year before. Free cash flow isn't a meaningful measure for financial services companies like IGIC.
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 IGIC 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.
IGIC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.8% | +354K shares |
| 1 year | -3.9% | -1.7M shares |
| 3 years | -1% | -446K shares |
| 5 years | -6.3% | -2.8M shares |
| Available history | -12% | -5.8M shares |
IGIC has 43M diluted shares, down 3.9% from a year ago.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
IGIC hasn't bought back shares in the past year.
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 IGIC on leverage, with a lower net debt burden relative to earnings.
IGIC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | -1.9x | Net Cash |
| Q1 2026 | -1.3x | Net Cash |
| Q4 2025 | -1.5x | Net Cash |
| Q3 2025 | -1.6x | Net Cash |
| Q2 2025 | -1.3x | Net Cash |
| Q1 2025 | -0.8x | Net Cash |
| Q4 2024 | -1.2x | Net Cash |
| Q3 2024 | -1.1x | Net Cash |
IGIC has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like IGIC.
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).
IGIC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 39.3 | Neutral |
| Stochastic | 8.8 | Oversold |
IGIC's weekly RSI is 39 (neutral) and its Stochastic is 9 (oversold).
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.
IGIC PE vs Financial Services Sector
| Metric | IGIC | Sector median | Relative |
|---|---|---|---|
| PE | 9.6x | 13x | 26% below |
| PE % | 65 | 63 | 2 pts above |
IGIC 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 has the edge over IGIC on trend strength, trading above more of its moving averages.
IGIC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $24.4 | 2% below |
| 20 week MA | $26.1 | 8.3% below |
| 50 week MA | $25.4 | 5.9% below |
| 100 week MA | $24.7 | 3.2% below |
| 200 week MA | $18.9 | 26% above |
IGIC has fallen below most of its moving averages, though it's still 26% above its 200-week average.
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 IGIC on returns for 2026, with the stronger performance.
IGIC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.5 | $7.59 | -28% |
| 2021 | $7.59 | $7.74 | +2% |
| 2022 | $7.74 | $8.15 | +5.3% |
| 2023 | $8.15 | $12.9 | +58% |
| 2024 | $12.9 | $23.8 | +85% |
| 2025 | $23.8 | $25.5 | +6.8% |
| 2026 YTD | $25.5 | $23.9 | -6.2% |
IGIC has finished higher in five of the last six years, two of them by more than 50%. It's down 6.2% so far in 2026.