GS
The Goldman Sachs Group, Inc.
GS's fundamentals are strong: revenue grew 19% and its operating margin rose 4 points to 40%. Its PE isn't a useful guide right now because of how its recent earnings were reported.
OPHC
OptimumBank Holdings, Inc.
There isn't enough reported data to score OPHC yet.
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.
OPHC Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
OPHC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like OPHC.
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.
OPHC PE Valuation
OPHC 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 |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
OPHC Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong growth | |
| Strong growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for OPHC, with profitability improving.
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 stronger earnings trend. Trailing diluted EPS is up 41% for GS versus OPHC down 13%.
OPHC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.28 | +11% |
| Q3 2025 | $1.15 | -13% |
| Q2 2025 | $1.29 | +9.3% |
| Q1 2025 | $1.34 | +31% |
| Q4 2024 | $1.33 | +53% |
| Q3 2024 | $1.32 | +69% |
| Q2 2024 | $1.18 | +66% |
| Q1 2024 | $1.02 | +48% |
| Q4 2023 | $0.87 | +24% |
OPHC's earnings per share have fallen from their peak: $1.15 over the past year, against $1.69 in mid-2022.
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's operating margin was 37% last quarter, up 2 points from the same quarter a year ago.
OPHC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $17.2M | +42% |
| Q1 2026 | $15M | +41% |
| Q4 2025 | $13.6M | +32% |
| Q3 2025 | $13M | +29% |
| Q2 2025 | $12.1M | +21% |
| Q1 2025 | $10.7M | +19% |
| Q4 2024 | $10.3M | +26% |
| Q3 2024 | $10.1M | +48% |
OPHC has the edge over GS on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 51% | +11 points |
| Q1 2026 | 41% | -7.4 points |
| Q4 2025 | 47% | -4.1 points |
| Q3 2025 | 43% | -0.5 points |
| Q2 2025 | 40% | -6.7 points |
| Q1 2025 | 49% | +13 points |
| Q4 2024 | 52% | +9.7 points |
| Q3 2024 | 44% | +19 points |
OPHC has the edge over GS on profitability, with a higher operating margin.
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.
OPHC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $9.8M | +67% |
| Q1 2026 | $7.4M | +161% |
| Q4 2025 | $6.3M | +10% |
| Q3 2025 | $1.9M | -50% |
| Q2 2025 | $5.9M | +114% |
| Q1 2025 | $2.9M | +25% |
| Q4 2024 | $5.7M | +3487% |
| Q3 2024 | $3.9M | +263% |
OPHC 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 OPHC 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.
OPHC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +102K shares |
| 1 year | +94% | +11.5M shares |
| 3 years | +298% | +17.7M shares |
| 5 years | +703% | +20.7M shares |
| Available history | +1129% | +21.8M shares |
OPHC has 24M diluted shares, up 94% from a year ago.
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 OPHC on leverage, with a lower net debt burden relative to earnings.
OPHC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 3.6x | Elevated |
| Q1 2026 | 4.3x | High |
| Q4 2025 | 5.0x | High |
| Q3 2025 | 3.0x | Moderate |
| Q2 2025 | 2.0x | Moderate |
| Q1 2025 | 1.4x | Healthy |
| Q4 2024 | 3.7x | Elevated |
| Q3 2024 | -1.0x | Net Cash |
OPHC's net debt is about 3.6 years of its operating earnings (EBITDA), up from 2.0 years a year ago. Net leverage isn't a meaningful measure for financial services companies like OPHC.
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).
OPHC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 64.0 | Neutral |
| Stochastic | 43.0 | Neutral |
OPHC's weekly RSI is 64 (neutral) and its Stochastic is 43 (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 is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
OPHC PE vs Financial Services Sector
| Metric | OPHC | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
OPHC 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.
OPHC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $8.86 | 1.1% above |
| 20 week MA | $8.35 | 7.3% above |
| 50 week MA | $6.40 | 40% above |
| 100 week MA | $5.38 | 67% above |
| 200 week MA | $4.65 | 93% above |
OPHC 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.
OPHC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $2.86 | $3.28 | +15% |
| 2021 | $3.28 | $4.42 | +35% |
| 2022 | $4.42 | $4.22 | -4.5% |
| 2023 | $4.22 | $4.18 | -0.9% |
| 2024 | $4.18 | $4.74 | +13% |
| 2025 | $4.74 | $4.24 | -11% |
| 2026 YTD | $4.24 | $8.96 | +111% |
OPHC has the edge over GS on returns for 2026, with the stronger performance.