GS
The Goldman Sachs Group, Inc.
GS has the edge over PROV overall, supported by stronger valuation and stronger fundamentals.
PROV
Provident Financial Holdings, Inc.
PROV has lower modeled downside risk, despite its lower overall score.
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.
PROV Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
PROV's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like PROV.
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.
PROV PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 12x | $11.99 | -34% |
| Forward | 13x | $18.24 | — |
| Fair | 15x | $15.03 | -18% |
| Expensive | 18x | $18.75 | +2.8% |
| Current | 18x | $18.24 | — |
Historical ranges are pointers, not guarantees.
PROV 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.
PROV Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Stable | |
| Improving | |
| Limited | |
| High |
Analysts expect PROV'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 PROV on earnings, with more consistent year-over-year improvement.
PROV Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.35 | +32% |
| Q3 2026 | $1.03 | +14% |
| Q2 2026 | $1.03 | +11% |
| Q1 2026 | $0.92 | -5.2% |
| Q4 2025 | $0.99 | +8.8% |
| Q3 2025 | $0.90 | -17% |
| Q2 2025 | $0.93 | -12% |
| Q1 2025 | $0.97 | -4.9% |
| Q4 2024 | $0.91 | -19% |
PROV earned $1.03 per share over the past year, up 14% from 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 PROV 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 has the edge over PROV on profitability, with a higher operating margin.
PROV Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $10.6M | +8.5% |
| Q2 2026 | $10.6M | +8.5% |
| Q1 2026 | $9.9M | -2.4% |
| Q4 2025 | $9.8M | +2.5% |
| Q3 2025 | $9.7M | +2.4% |
| Q2 2025 | $9.8M | -1.6% |
| Q1 2025 | $10.1M | +7.6% |
| Q4 2024 | $9.6M | -0.5% |
PROV's revenue has picked up after three years of holding roughly level: $11M last quarter, up 8.5% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 21% | -7.5 points |
| Q2 2026 | 28% | +4.1 points |
| Q1 2026 | 19% | -6.9 points |
| Q4 2025 | 21% | +8.1 points |
| Q3 2025 | 28% | -0.2 points |
| Q2 2025 | 24% | -4.2 points |
| Q1 2025 | 26% | +3.8 points |
| Q4 2024 | 13% | -19 points |
PROV's operating margin was 21% last quarter, down 7.5 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.
PROV Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $4.3M | +74% |
| Q2 2026 | $3.3M | +53% |
| Q1 2026 | $1.7M | -47% |
| Q4 2025 | $1M | +236% |
| Q3 2025 | $2.5M | +2.7% |
| Q2 2025 | $2.2M | +$3M |
| Q1 2025 | $3.3M | +27% |
| Q4 2024 | $307K | +$749K |
PROV 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 301M diluted shares, down 4.4% from a year ago, with $15B in buybacks over the past year.
| 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.
PROV Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -2.9% | -189K shares |
| 1 year | -5% | -332K shares |
| 3 years | -10% | -733K shares |
| 5 years | -17% | -1.3M shares |
| Available history | -18% | -1.4M shares |
PROV has the edge over GS on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.7M |
| Q2 2026 | $1.9M |
| Q1 2026 | $1.5M |
| Q4 2025 | $1.5M |
| Q3 2025 | $1.1M |
| Q2 2025 | $1.2M |
| Q1 2025 | $801,000 |
| Q4 2024 | $1M |
PROV spent $7M buying back its own shares over the past year, up 64% 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 the edge over PROV on leverage, with a lower net debt burden relative to earnings.
PROV Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -4.1x | Net Cash |
| Q2 2026 | -3.6x | Net Cash |
| Q1 2026 | -4.4x | Net Cash |
| Q4 2025 | -4.1x | Net Cash |
| Q3 2025 | -4.0x | Net Cash |
| Q2 2025 | -4.3x | Net Cash |
| Q1 2025 | -4.0x | Net Cash |
| Q4 2024 | -3.7x | Net Cash |
PROV has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like PROV.
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).
PROV Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 64.0 | Neutral |
| Stochastic | 45.7 | Neutral |
PROV's weekly RSI is 64 (neutral) and its Stochastic is 46 (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 PROV on valuation relative to its sector.
PROV PE vs Financial Services Sector
| Metric | PROV | Sector median | Relative |
|---|---|---|---|
| PE | 18x | 13x | 36% above |
| PE % | 79 | 63 | 16 pts above |
PROV is trading at 18x earnings, a 36% 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.
PROV Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $18.2 | 0% above |
| 20 week MA | $18.0 | 1.1% above |
| 50 week MA | $17.1 | 6.7% above |
| 100 week MA | $16.2 | 12% above |
| 200 week MA | $14.9 | 23% above |
PROV 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.
PROV Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $22.0 | $15.8 | -28% |
| 2021 | $15.8 | $16.7 | +5.7% |
| 2022 | $16.7 | $13.8 | -17% |
| 2023 | $13.8 | $12.6 | -8.4% |
| 2024 | $12.6 | $15.9 | +26% |
| 2025 | $15.9 | $16.1 | +1.1% |
| 2026 YTD | $16.1 | $18.2 | +13% |
PROV has the edge over GS on returns for 2026, with the stronger performance.