GS
The Goldman Sachs Group, Inc.
GS has the edge over PRU overall, supported by stronger fundamentals and stronger modeled upside.
PRU
Prudential Financial, Inc.
PRU has slightly 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.
PRU Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
PRU's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like PRU.
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 has the edge over PRU in the historical PE scenario, which offers more potential upside but is not a forecast.
PRU PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $83.42 | -32% |
| Forward | 9.2x | $122 | — |
| Current | 11x | $122 | — |
| Fair | 15x | $161 | +31% |
| Expensive | 31x | $339 | +177% |
Historical ranges are pointers, not guarantees.
PRU's PE is in its fair range at 11x. On analysts' estimates for next year's earnings, today's price would be 9.2x, in its cheap range.
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.
PRU Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Stable | |
| Stable | |
| Stable | |
| Limited | |
| Low |
Analysts expect PRU's earnings, revenue and profitability to hold roughly steady. 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 PRU on earnings, with more consistent year-over-year improvement.
PRU Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.31 | +21% |
| Q3 2026 | $10.98 | +50% |
| Q2 2026 | $11.03 | +143% |
| Q1 2026 | $9.71 | +53% |
| Q4 2025 | $9.99 | +33% |
| Q3 2025 | $7.31 | -35% |
| Q2 2025 | $4.54 | -42% |
| Q1 2025 | $6.34 | +7.8% |
| Q4 2024 | $7.50 | +12% |
PRU's earnings per share have fallen from their peak: $10.98 over the past year, against $19.51 in late 2021.
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 PRU 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 PRU on profitability, with a higher operating margin.
PRU Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $14.4B | -19% |
| Q2 2026 | $15.7B | +14% |
| Q1 2026 | $15.5B | +15% |
| Q4 2025 | $15.7B | +25% |
| Q3 2025 | $17.9B | -8.2% |
| Q2 2025 | $13.7B | -7.8% |
| Q1 2025 | $13.5B | -43% |
| Q4 2024 | $12.5B | -17% |
PRU's revenue is growing: $14.4B last quarter, down 19% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 11% | +1.4 points |
| Q2 2026 | 7.5% | +2.1 points |
| Q1 2026 | 4.7% | -2.1 points |
| Q4 2025 | 7.7% | +8.9 points |
| Q3 2025 | 10% | +7.1 points |
| Q2 2025 | 5.4% | -4.1 points |
| Q1 2025 | 6.8% | +0.9 points |
| Q4 2024 | -1.2% | -12 points |
PRU's operating margin was 11% last quarter, up 1.4 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.
PRU Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.9B | -8.4% |
| Q2 2026 | $2.3B | +102% |
| Q1 2026 | $1B | +$3.5B |
| Q4 2025 | $3.3B | +43% |
| Q3 2025 | $4.3B | +289% |
| Q2 2025 | $1.2B | +$1.3B |
| Q1 2025 | -$2.5B | -148% |
| Q4 2024 | $2.3B | +111% |
PRU 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 PRU 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.
PRU Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.5% | -1.7M shares |
| 1 year | -1.9% | -6.6M shares |
| 3 years | -4.5% | -16.2M shares |
| 5 years | -10% | -40.4M shares |
| Available history | -16% | -64.5M shares |
PRU has 346M diluted shares, down 1.9% from a year ago, with $1B in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $250M |
| Q2 2026 | $250M |
| Q1 2026 | $246M |
| Q4 2025 | $254M |
| Q3 2025 | $250M |
| Q2 2025 | $250M |
| Q1 2025 | $246M |
| Q4 2024 | $254M |
PRU spent $1B buying back its own shares over the past year, about the same as 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 PRU on leverage, with a lower net debt burden relative to earnings.
PRU Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 1.2x | Healthy |
| Q4 2024 | 0.5x | Very low |
| Q3 2023 | 3.4x | Elevated |
| Q2 2023 | 3.8x | Elevated |
| Q1 2023 | 11.2x | High |
| Q3 2022 | 1.1x | Healthy |
| Q2 2022 | 2.0x | Healthy |
| Q1 2022 | 1.0x | Healthy |
PRU's net debt is about 1.1 years of its operating earnings (EBITDA), down from 11 years a year ago. Net leverage isn't a meaningful measure for financial services companies like PRU.
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).
PRU Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 61.4 | Neutral |
| Stochastic | 48.9 | Neutral |
PRU's weekly RSI is 61 (neutral) and its Stochastic is 49 (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.
PRU PE vs Financial Services Sector
| Metric | PRU | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 14% below |
| PE % | 42 | 63 | 21 pts below |
PRU has the edge over GS on valuation relative to its sector.
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.
PRU Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $116.8 | 4.8% above |
| 20 week MA | $118.5 | 3.3% above |
| 50 week MA | $110.0 | 11% above |
| 100 week MA | $108.7 | 13% above |
| 200 week MA | $106.5 | 15% above |
PRU 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.
PRU Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $93.2 | $76.7 | -18% |
| 2021 | $76.7 | $108.3 | +41% |
| 2022 | $108.3 | $99.6 | -8% |
| 2023 | $99.6 | $103.7 | +4.2% |
| 2024 | $103.7 | $119.1 | +15% |
| 2025 | $119.1 | $114.0 | -4.3% |
| 2026 YTD | $114.0 | $122.4 | +7.4% |
PRU has the edge over GS on returns for 2026, with the stronger performance.