GS
The Goldman Sachs Group, Inc.
GS has the edge over INTR overall, supported by lower modeled downside and stronger fundamentals.
INTR
Inter & Co, Inc.
INTR offers stronger modeled upside, but that advantage does not outweigh its weaker overall profile.
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.
INTR Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
INTR's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like INTR.
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.
INTR PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 6.4x | $3.96 | — |
| Cheap | 9.4x | $5.82 | +47% |
| Fair | 17x | $10.51 | +165% |
| Expensive | 60x | $37.23 | +840% |
Historical ranges are pointers, not guarantees.
INTR 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 INTR on the outlook, with more favorable profitability expectations.
INTR Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Growth | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for INTR, but weaker profitability.
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 INTR on earnings, with more consistent year-over-year improvement.
INTR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $0.62 | +38% |
| Q1 2026 | $0.58 | +41% |
| Q4 2025 | $0.54 | +46% |
| Q3 2023 | $0.08 | +$0.10 |
| Q2 2023 | $0.03 | +200% |
| Q1 2023 | -$0.00 | -100% |
| Q4 2022 | -$0.01 | -150% |
| Q3 2022 | -$0.02 | -200% |
INTR's earnings per share have climbed steadily: $0.62 over the past year, up 38% from the year before, and higher year over year for nine 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 INTR on profitability, with a higher operating margin.
INTR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $820.6M | +34% |
| Q1 2026 | $750.6M | +39% |
| Q4 2025 | $737.3M | +48% |
| Q3 2025 | $683.2M | +52% |
| Q2 2025 | $613.6M | +52% |
| Q1 2025 | $540.1M | +39% |
| Q4 2024 | $498.7M | +112% |
| Q3 2024 | $449.7M | +23% |
INTR has the edge over GS on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 11% | +0.2 points |
| Q1 2026 | 11% | -0.5 points |
| Q4 2025 | 11% | -0.9 points |
| Q3 2025 | 11% | -0.8 points |
| Q2 2025 | 11% | -2 points |
| Q1 2025 | 12% | -0.8 points |
| Q4 2024 | 12% | -1.3 points |
| Q3 2024 | 12% | +4.6 points |
INTR's operating margin was 11% last quarter, about level with 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 INTR on cash flow, with more consistent year-over-year improvement.
INTR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | -$587.3M | -236% |
| Q1 2026 | $56.3M | -74% |
| Q4 2025 | $212.4M | -45% |
| Q3 2025 | -$155.9M | -602% |
| Q2 2025 | $431M | +570% |
| Q1 2025 | $213.9M | +$437.3M |
| Q3 2024 | $31M | -90% |
| Q2 2024 | $64.3M | -89% |
INTR's free cash flow was −$475M over the past year, against $1.1B the year before. Free cash flow isn't a meaningful measure for financial services companies like INTR.
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 INTR 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.
INTR Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.5% | +2.2M shares |
| 1 year | +0.9% | +3.9M shares |
| 3 years | +11% | +46M shares |
| 5 years | +12% | +46.6M shares |
| Available history | -79% | -1.7B shares |
INTR has 448M diluted shares, up 0.9% from a year ago.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | $48,657 |
| Q3 2025 | $5.9M |
| Q2 2025 | $1M |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | $39,007 |
INTR spent $6M buying back its own shares over the past year, about six 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 INTR on leverage, with a lower net debt burden relative to earnings.
INTR Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 9.7x | High |
| Q1 2026 | 10.2x | High |
| Q4 2025 | 9.5x | High |
| Q3 2025 | 4.3x | High |
| Q2 2025 | 4.7x | High |
| Q1 2025 | 5.2x | High |
| Q4 2024 | 3.6x | Elevated |
| Q3 2024 | 4.6x | High |
INTR's net debt is about 9.7 years of its operating earnings (EBITDA), up from 4.7 years a year ago. Net leverage isn't a meaningful measure for financial services companies like INTR.
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).
INTR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 37.6 | Neutral |
| Stochastic | 3.4 | Oversold |
INTR's weekly RSI is 38 (neutral) and its Stochastic is 3 (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.
INTR PE vs Financial Services Sector
| Metric | INTR | Sector median | Relative |
|---|---|---|---|
| PE | 6.4x | 13x | 51% below |
| PE % | 2 | 59 | 57 pts below |
INTR 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 INTR on trend strength, trading above more of its moving averages.
INTR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $5.50 | 28% below |
| 20 week MA | $5.48 | 28% below |
| 50 week MA | $6.82 | 42% below |
| 100 week MA | $6.86 | 42% below |
| 200 week MA | $5.78 | 31% below |
INTR is in a downtrend: it's below all five of its weekly moving averages, and 31% below 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 INTR on returns for 2026, with the stronger performance.
INTR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2022 | $3.39 | $2.13 | -37% |
| 2023 | $2.13 | $5.56 | +161% |
| 2024 | $5.56 | $4.25 | -24% |
| 2025 | $4.25 | $8.45 | +99% |
| 2026 YTD | $8.45 | $3.96 | -53% |
INTR has finished lower in two of the last four years. It's down 53% so far in 2026.