GS
The Goldman Sachs Group, Inc.
GS has the edge over RBCAA overall, supported by stronger fundamentals and stronger valuation.
RBCAA
Republic Bancorp, Inc.
RBCAA offers stronger modeled upside, but that advantage does not outweigh its weaker overall profile.
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.
RBCAA Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
RBCAA's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like RBCAA.
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.
RBCAA PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.2x | $59.86 | -34% |
| Fair | 11x | $72.18 | -21% |
| Expensive | 13x | $82.19 | -9.9% |
| Forward | 13x | $91.23 | — |
| Current | 14x | $91.23 | — |
Historical ranges are pointers, not guarantees.
RBCAA 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.
RBCAA Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
RBCAA has the edge over GS on the outlook, with more favorable valuation expectations.
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 RBCAA on earnings, with stronger typical year-over-year growth.
RBCAA Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $7.16 | +9.9% |
| Q3 2026 | $6.51 | +1.1% |
| Q2 2026 | $6.45 | +2.7% |
| Q1 2026 | $6.39 | +7% |
| Q4 2025 | $6.63 | +29% |
| Q3 2025 | $6.44 | +24% |
| Q2 2025 | $6.28 | +28% |
| Q1 2025 | $5.97 | +27% |
| Q4 2024 | $5.14 | +13% |
RBCAA's earnings per share have climbed steadily: $6.51 over the past year, up 1.1% from the year before, and higher year over year for 22 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 has the edge over RBCAA on sales, with stronger typical year-over-year growth.
| 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.
RBCAA Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $103.9M | +11% |
| Q2 2026 | $101.3M | +7.9% |
| Q1 2026 | $120.4M | -11% |
| Q4 2025 | $94.3M | +5.3% |
| Q3 2025 | $93.5M | +6.2% |
| Q2 2025 | $93.8M | +8% |
| Q1 2025 | $135.8M | +13% |
| Q4 2024 | $89.5M | +9.3% |
RBCAA's revenue is recovering but still below its 2025 peak: $104M last quarter, up 11% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 38% | -2.2 points |
| Q2 2026 | 42% | -1 points |
| Q1 2026 | 46% | +1.9 points |
| Q4 2025 | 29% | +3.5 points |
| Q3 2025 | 40% | +2 points |
| Q2 2025 | 43% | +6.1 points |
| Q1 2025 | 44% | +12 points |
| Q4 2024 | 26% | -3 points |
RBCAA 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.
RBCAA Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $40.9M | +33% |
| Q2 2026 | -$120K | -102% |
| Q1 2026 | $68.1M | -26% |
| Q4 2025 | $33.6M | +49% |
| Q3 2025 | $30.8M | -38% |
| Q2 2025 | $5.2M | +205% |
| Q1 2025 | $91.6M | +32% |
| Q4 2024 | $22.6M | +9.4% |
RBCAA 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 RBCAA 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.
RBCAA Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +24K shares |
| 1 year | +0.5% | +97K shares |
| 3 years | +0.6% | +114K shares |
| 5 years | -3.4% | -703K shares |
| Available history | -5.9% | -1.2M shares |
RBCAA has 20M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q4 2025 | — |
| Q3 2025 | — |
| Q4 2023 | $4.2M |
| Q3 2023 | $9.4M |
| Q4 2022 | $413,000 |
| Q3 2022 | $3.3M |
| Q4 2021 | $12.6M |
| Q3 2021 | $19.7M |
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 RBCAA on leverage, with a lower net debt burden relative to earnings.
RBCAA Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.6x | Net Cash |
| Q2 2026 | -1.2x | Net Cash |
| Q1 2026 | -1.4x | Net Cash |
| Q4 2025 | 1.7x | Healthy |
| Q3 2025 | -0.7x | Net Cash |
| Q2 2025 | -0.7x | Net Cash |
| Q1 2025 | -2.7x | Net Cash |
| Q4 2024 | -0.3x | Net Cash |
RBCAA has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like RBCAA.
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).
RBCAA Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.0 | Neutral |
| Stochastic | 14.6 | Oversold |
RBCAA's weekly RSI is 54 (neutral) and its Stochastic is 15 (oversold).
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 RBCAA on valuation relative to its sector.
RBCAA PE vs Financial Services Sector
| Metric | RBCAA | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 7.6% above |
| PE % | 93 | 63 | 30 pts above |
RBCAA is trading at 14x earnings, in line with 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.
RBCAA Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $92.0 | 0.8% below |
| 20 week MA | $93.6 | 2.6% below |
| 50 week MA | $82.1 | 11% above |
| 100 week MA | $75.7 | 20% above |
| 200 week MA | $63.6 | 43% above |
RBCAA has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 43% above 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 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.
RBCAA Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $46.6 | $36.4 | -22% |
| 2021 | $36.4 | $51.5 | +42% |
| 2022 | $51.5 | $41.4 | -20% |
| 2023 | $41.4 | $55.2 | +33% |
| 2024 | $55.2 | $70.7 | +28% |
| 2025 | $70.7 | $70.0 | -0.9% |
| 2026 YTD | $70.0 | $91.2 | +30% |
RBCAA has the edge over GS on returns for 2026, with the stronger performance.