GS
The Goldman Sachs Group, Inc.
GS has lower modeled downside risk, despite its lower overall score.
KNSL
Kinsale Capital Group, Inc.
KNSL has a slight edge over GS overall, supported by stronger valuation.
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.
KNSL Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
KNSL'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 KNSL.
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.
KNSL PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 17x | $390 | — |
| Forward | 18x | $390 | — |
| Cheap | 23x | $526 | +35% |
| Fair | 33x | $767 | +97% |
| Expensive | 47x | $1,068 | +174% |
Historical ranges are pointers, not guarantees.
KNSL 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 KNSL on the outlook, with more favorable valuation and revenue expectations.
KNSL Forward outlook
| Metric | Outlook |
|---|---|
| Deteriorating | |
| Growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect KNSL's earnings to grow and its profitability to improve, with its 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 KNSL on earnings, with stronger typical year-over-year growth.
KNSL Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $21.55 | -6% |
| Q3 2026 | $22.93 | +13% |
| Q2 2026 | $24.66 | +29% |
| Q1 2026 | $22.70 | +31% |
| Q4 2025 | $21.65 | +22% |
| Q3 2025 | $20.35 | +16% |
| Q2 2025 | $19.16 | +20% |
| Q1 2025 | $17.37 | +15% |
| Q4 2024 | $17.78 | +34% |
KNSL's earnings per share have climbed steadily: $22.93 over the past year, up 13% from the year before, and higher year over year for 16 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 KNSL on profitability, with a higher operating margin.
KNSL Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $454.8M | -8.6% |
| Q2 2026 | $548.5M | +17% |
| Q1 2026 | $466.7M | +10% |
| Q4 2025 | $483.3M | +17% |
| Q3 2025 | $497.5M | +19% |
| Q2 2025 | $469.8M | +22% |
| Q1 2025 | $423.4M | +14% |
| Q4 2024 | $412.1M | +17% |
KNSL's revenue is growing: $455M last quarter, down 8.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 27% | -8.8 points |
| Q2 2026 | 40% | +4.3 points |
| Q1 2026 | 30% | +3.4 points |
| Q4 2025 | 36% | +2.5 points |
| Q3 2025 | 36% | +1.4 points |
| Q2 2025 | 36% | +5.7 points |
| Q1 2025 | 27% | -4.5 points |
| Q4 2024 | 34% | -3.4 points |
KNSL's operating margin was 27% last quarter, down 8.8 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.
KNSL Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $261.8M | -9.6% |
| Q2 2026 | $239.1M | -5.1% |
| Q1 2026 | $241.3M | +11% |
| Q4 2025 | $230.8M | +14% |
| Q3 2025 | $289.5M | +8% |
| Q2 2025 | $252.1M | -8.4% |
| Q1 2025 | $217.6M | +5.2% |
| Q4 2024 | $202.2M | -3.9% |
KNSL 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 KNSL 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.
KNSL Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -281K shares |
| 1 year | -3.3% | -767K shares |
| 3 years | -3.5% | -811K shares |
| 5 years | -2.4% | -560K shares |
| Available history | +1.7% | +368K shares |
KNSL has 23M diluted shares, down 3.3% from a year ago, with $313M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $100M |
| Q2 2026 | $100.6M |
| Q1 2026 | $62.5M |
| Q4 2025 | $50M |
| Q3 2025 | $20M |
| Q2 2025 | $10M |
| Q1 2025 | $10M |
KNSL spent $313M buying back its own shares over 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 more cash than debt. Net leverage isn't a meaningful measure for financial services companies like GS.
KNSL Net Leverage
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).
KNSL Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 61.7 | Neutral |
| Stochastic | 71.9 | Neutral |
KNSL's weekly RSI is 62 (neutral) and its Stochastic is 72 (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 has the edge over KNSL on valuation relative to its sector.
KNSL PE vs Financial Services Sector
| Metric | KNSL | Sector median | Relative |
|---|---|---|---|
| PE | 17x | 13x | 31% above |
| PE % | 10 | 63 | 53 pts below |
KNSL is trading at 17x earnings, a 31% premium to the Financial Services sector's median of 13x.
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.
KNSL Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $358.3 | 8.8% above |
| 20 week MA | $360.9 | 8% above |
| 50 week MA | $357.7 | 9% above |
| 100 week MA | $403.3 | 3.3% below |
| 200 week MA | $399.6 | 2.4% below |
KNSL has bounced recently, but its long-term trend is still down: it's above its 8-, 20- and 50-week averages, but 2.4% 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 KNSL on returns for 2026, with the stronger performance.
KNSL Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $100.7 | $207.3 | +106% |
| 2021 | $207.3 | $224.4 | +8.2% |
| 2022 | $224.4 | $273.8 | +22% |
| 2023 | $273.8 | $334.9 | +22% |
| 2024 | $334.9 | $470.7 | +41% |
| 2025 | $470.7 | $393.4 | -16% |
| 2026 YTD | $393.4 | $389.8 | -0.9% |
KNSL has finished higher in five of the last six years. It's down 0.9% so far in 2026.