GS
The Goldman Sachs Group, Inc.
GS has the edge over KMPR overall, supported by stronger fundamentals and lower modeled downside.
KMPR
Kemper Corporation
KMPR 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.
KMPR Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Under pressure | |
| N/A | |
| N/A |
KMPR's revenue and profitability are currently under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like KMPR.
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.
KMPR PE Valuation
KMPR has no meaningful PE right now: it lost money over the past year.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
GS has the edge over KMPR on the outlook, with more favorable revenue expectations.
KMPR Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong growth | |
| Decline | |
| Improving | |
| Limited | |
| Low |
Analysts expect KMPR's earnings to grow and its profitability to improve, but its revenue to decline. 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 KMPR on earnings quality, reporting a profit while its opponent remains loss making.
KMPR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.58 | — |
| Q3 2026 | -$7.08 | -285% |
| Q2 2026 | -$8.30 | -256% |
| Q1 2026 | $0.72 | -87% |
| Q4 2025 | $2.29 | -53% |
| Q3 2025 | $3.83 | -8.8% |
| Q2 2025 | $5.31 | +581% |
| Q1 2025 | $5.35 | +$7.25 |
| Q4 2024 | $4.91 | +$9.16 |
KMPR has swung to a loss: it lost $7.08 per share over the past year, after a profit 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 KMPR 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's operating margin was 37% last quarter, up 2 points from the same quarter a year ago.
KMPR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.1B | -12% |
| Q2 2026 | $1.1B | -11% |
| Q1 2026 | $1.1B | -7.2% |
| Q4 2025 | $1.1B | -4.7% |
| Q3 2025 | $1.2B | +5.2% |
| Q2 2025 | $1.2B | +8.5% |
| Q1 2025 | $1.2B | +4.4% |
| Q4 2024 | $1.2B | 0% |
KMPR's revenue has slid since its 2021 peak: $1.1B last quarter, down 12% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2024 | 11% | +15 points |
| Q2 2024 | 10% | +12 points |
| Q1 2024 | 7.5% | +14 points |
| Q4 2023 | 5.3% | +8.3 points |
| Q3 2023 | -3.3% | 0 points |
| Q2 2023 | -1.9% | +1.8 points |
| Q1 2023 | -6.6% | -0.6 points |
| Q4 2022 | -2.9% | +9.2 points |
KMPR's operating margin was 11% last quarter, up 14 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.
KMPR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $55.7M | -58% |
| Q2 2026 | $19.1M | -77% |
| Q1 2026 | $77.9M | -55% |
| Q4 2025 | $166.2M | +0.5% |
| Q3 2025 | $133.4M | +1.5% |
| Q2 2025 | $82M | +1477% |
| Q1 2025 | $172.3M | +522% |
| Q4 2024 | $165.4M | +$209.8M |
KMPR 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 KMPR 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.
KMPR Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.2% | +722K shares |
| 1 year | -3.1% | -1.9M shares |
| 3 years | -7% | -4.5M shares |
| 5 years | -6.3% | -4M shares |
| Available history | -10% | -7M shares |
KMPR has 60M diluted shares, down 3.1% from a year ago, with $51M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | $50.6M |
| Q3 2025 | $218.8M |
| Q2 2025 | $28.5M |
| Q1 2025 | $4M |
| Q4 2024 | $13.9M |
KMPR spent $51M buying back its own shares over the past year, down 81% 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 more cash than debt. Net leverage isn't a meaningful measure for financial services companies like GS.
KMPR Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2024 | 3.1x | Elevated |
| Q2 2024 | 4.8x | High |
| Q1 2024 | 9.7x | High |
| Q2 2021 | 4.5x | High |
| Q1 2021 | 1.3x | Healthy |
| Q4 2020 | 1.7x | Healthy |
| Q3 2020 | 1.4x | Healthy |
| Q2 2020 | 0.6x | Very low |
KMPR's net debt is about 3.1 years of its operating earnings (EBITDA), up from 1.3 years a year ago. Net leverage isn't a meaningful measure for financial services companies like KMPR.
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).
KMPR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 64.6 | Neutral |
| Stochastic | 84.4 | Overbought |
KMPR's weekly RSI is 65 (neutral) and its Stochastic is 84 (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.
KMPR PE vs Financial Services Sector
| Metric | KMPR | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
KMPR has no meaningful PE right now: it lost money over the past year.
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.
KMPR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $29.6 | 16% above |
| 20 week MA | $28.7 | 20% above |
| 50 week MA | $31.2 | 9.8% above |
| 100 week MA | $44.8 | 23% below |
| 200 week MA | $49.9 | 31% below |
KMPR has bounced recently, but its long-term trend is still down: it's above its 8-, 20- and 50-week averages, but 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 KMPR on returns for 2026, with the stronger performance.
KMPR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $76.7 | $77.2 | +0.6% |
| 2021 | $77.2 | $56.3 | -27% |
| 2022 | $56.3 | $50.5 | -10% |
| 2023 | $50.5 | $48.7 | -3.7% |
| 2024 | $48.7 | $65.2 | +34% |
| 2025 | $65.2 | $40.9 | -37% |
| 2026 YTD | $40.9 | $34.3 | -16% |
KMPR has finished lower in four of the last six years. It's down 16% so far in 2026.