GS
The Goldman Sachs Group, Inc.
GS has lower modeled downside risk, despite its lower overall score.
KINS
Kingstone Companies, Inc.
KINS has a slight edge over GS overall, supported by stronger valuation and stronger modeled upside.
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.
KINS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
KINS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like KINS.
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.
KINS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7x | $20.56 | -12% |
| Current | 7.9x | $23.23 | — |
| Forward | 8x | $23.23 | — |
| Fair | 11x | $30.94 | +33% |
| Expensive | 26x | $77.02 | +232% |
Historical ranges are pointers, not guarantees.
KINS 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 KINS on the outlook, with more favorable profitability expectations.
KINS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Weakening | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for KINS, 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's earnings per share have climbed steadily: $69.58 over the past year, up 41% from the year before, and higher year over year for 10 quarters in a row. Its recent earnings include one-off gains.
KINS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.90 | -1% |
| Q3 2026 | $2.93 | +31% |
| Q2 2026 | $2.48 | +22% |
| Q1 2026 | $2.21 | +36% |
| Q4 2025 | $2.88 | +95% |
| Q3 2025 | $2.23 | +69% |
| Q2 2025 | $2.04 | +364% |
| Q1 2025 | $1.63 | +8050% |
| Q4 2024 | $1.48 | +$2.05 |
KINS's earnings per share have climbed steadily: $2.93 over the past year, up 31% 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 KINS on profitability, with a higher operating margin.
KINS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $67.5M | +21% |
| Q2 2026 | $65.9M | +26% |
| Q1 2026 | $59.8M | +18% |
| Q4 2025 | $56.4M | +34% |
| Q3 2025 | $55.7M | +36% |
| Q2 2025 | $52.3M | +43% |
| Q1 2025 | $50.5M | +41% |
| Q4 2024 | $42.1M | +15% |
KINS has the edge over GS on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 33% | +8.4 points |
| Q2 2026 | 30% | +2.5 points |
| Q1 2026 | -12% | -22 points |
| Q4 2025 | 33% | +17 points |
| Q3 2025 | 25% | +2.3 points |
| Q2 2025 | 27% | +11 points |
| Q1 2025 | 9.3% | +4.3 points |
| Q4 2024 | 16% | +5.2 points |
KINS's operating margin was 33% last quarter, up 8.4 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.
KINS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $21M | -17% |
| Q2 2026 | $27.8M | +220% |
| Q1 2026 | $7.9M | -54% |
| Q4 2025 | $22.1M | -1.4% |
| Q3 2025 | $25.3M | +20% |
| Q2 2025 | $8.7M | +31% |
| Q1 2025 | $17M | +206% |
| Q4 2024 | $22.4M | +462% |
KINS 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 KINS 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.
KINS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.3% | +44.5K shares |
| 1 year | +0.8% | +115K shares |
| 3 years | +37% | +4M shares |
| 5 years | +40% | +4.2M shares |
| Available history | +37% | +3.9M shares |
KINS has 15M diluted shares, up 0.8% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q4 2022 | — |
| Q3 2022 | — |
| Q4 2021 | — |
| Q3 2021 | $631,548 |
| Q2 2021 | $974,135 |
| Q1 2021 | $65,915 |
| Q4 2020 | $381,543 |
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 KINS on leverage, with a lower net debt burden relative to earnings.
KINS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.3x | Net Cash |
| Q2 2026 | -0.3x | Net Cash |
| Q1 2026 | -0.2x | Net Cash |
| Q4 2025 | -0.1x | Net Cash |
| Q3 2025 | -0.5x | Net Cash |
| Q2 2025 | -0.8x | Net Cash |
| Q1 2025 | -1.1x | Net Cash |
| Q4 2024 | -0.5x | Net Cash |
KINS has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like KINS.
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).
KINS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 74.0 | Overbought |
| Stochastic | 87.0 | Overbought |
KINS's weekly RSI is 74 (overbought) and its Stochastic is 87 (overbought).
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.
KINS PE vs Financial Services Sector
| Metric | KINS | Sector median | Relative |
|---|---|---|---|
| PE | 7.9x | 13x | 39% below |
| PE % | 33 | 63 | 30 pts below |
KINS 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.
KINS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $19.7 | 18% above |
| 20 week MA | $19.8 | 18% above |
| 50 week MA | $17.5 | 33% above |
| 100 week MA | $16.6 | 40% above |
| 200 week MA | $10.4 | 124% above |
KINS 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.
KINS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $7.36 | $6.52 | -11% |
| 2021 | $6.52 | $4.99 | -23% |
| 2022 | $4.99 | $1.41 | -72% |
| 2023 | $1.41 | $2.13 | +51% |
| 2024 | $2.13 | $15.4 | +624% |
| 2025 | $15.4 | $17.3 | +12% |
| 2026 YTD | $17.3 | $23.2 | +34% |
KINS has the edge over GS on returns for 2026, with the stronger performance.