GS
The Goldman Sachs Group, Inc.
GS has slightly lower modeled downside risk, despite its lower overall score.
PLMR
Palomar Holdings, Inc.
PLMR 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.
PLMR Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
PLMR's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like PLMR.
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.
PLMR PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 14x | $158 | — |
| Cheap | 20x | $163 | +2.7% |
| Current | 20x | $158 | — |
| Fair | 27x | $217 | +37% |
| Expensive | 89x | $710 | +349% |
Historical ranges are pointers, not guarantees.
PLMR 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 |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
PLMR Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Stable | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for PLMR, with profitability 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 PLMR on earnings, with stronger typical year-over-year growth.
PLMR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $11.23 | +41% |
| Q3 2026 | $7.98 | +24% |
| Q2 2026 | $7.43 | +31% |
| Q1 2026 | $7.17 | +43% |
| Q4 2025 | $7.17 | +60% |
| Q3 2025 | $6.41 | +52% |
| Q2 2025 | $5.69 | +50% |
| Q1 2025 | $5.01 | +44% |
| Q4 2024 | $4.48 | +43% |
PLMR's earnings per share have climbed steadily: $7.98 over the past year, up 24% from the year before, and higher year over year for 21 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 PLMR on profitability, with a higher operating margin.
PLMR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $386.6M | +58% |
| Q2 2026 | $314.4M | +55% |
| Q1 2026 | $278.9M | +60% |
| Q4 2025 | $253.4M | +63% |
| Q3 2025 | $244.7M | +65% |
| Q2 2025 | $203.3M | +55% |
| Q1 2025 | $174.6M | +47% |
| Q4 2024 | $155.8M | +48% |
PLMR has the edge over GS on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 22% | -5.5 points |
| Q2 2026 | 22% | -7.3 points |
| Q1 2026 | 19% | -12 points |
| Q4 2025 | 29% | -0.2 points |
| Q3 2025 | 27% | +1.5 points |
| Q2 2025 | 29% | +4 points |
| Q1 2025 | 31% | +1.8 points |
| Q4 2024 | 29% | -2.9 points |
PLMR's operating margin was 22% last quarter, down 5.5 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.
PLMR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $120.5M | +44% |
| Q2 2026 | $166.8M | +38% |
| Q1 2026 | $47M | -46% |
| Q4 2025 | $117.4M | +62% |
| Q3 2025 | $83.6M | -16% |
| Q1 2025 | $87.1M | +163% |
| Q4 2024 | $72.6M | +226% |
| Q3 2024 | $100.1M | +42% |
PLMR 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 PLMR 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.
PLMR Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -61K shares |
| 1 year | -1.6% | -451K shares |
| 3 years | +6.9% | +1.8M shares |
| 5 years | +3.7% | +952K shares |
| Available history | +24% | +5.2M shares |
PLMR has 27M diluted shares, down 1.6% from a year ago, with $73M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $8.9M |
| Q2 2026 | $41M |
| Q1 2026 | $23.1M |
| Q4 2025 | $7,000 |
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | — |
| Q1 2024 | — |
PLMR spent $73M 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.
PLMR 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).
PLMR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 68.6 | Neutral |
| Stochastic | 84.4 | Overbought |
PLMR's weekly RSI is 69 (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 has the edge over PLMR on valuation relative to its sector.
PLMR PE vs Financial Services Sector
| Metric | PLMR | Sector median | Relative |
|---|---|---|---|
| PE | 20x | 13x | 52% above |
| PE % | 13 | 63 | 50 pts below |
PLMR is trading at 20x earnings, a 52% 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.
PLMR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $139.6 | 13% above |
| 20 week MA | $136.4 | 16% above |
| 50 week MA | $127.9 | 24% above |
| 100 week MA | $128.9 | 23% above |
| 200 week MA | $99.5 | 59% above |
PLMR 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.
PLMR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $50.6 | $91.2 | +80% |
| 2021 | $91.2 | $64.7 | -29% |
| 2022 | $64.7 | $46.2 | -29% |
| 2023 | $46.2 | $55.5 | +20% |
| 2024 | $55.5 | $104.4 | +88% |
| 2025 | $104.4 | $134.8 | +29% |
| 2026 YTD | $134.8 | $158.3 | +17% |
PLMR has the edge over GS on returns for 2026, with the stronger performance.