GS
The Goldman Sachs Group, Inc.
GS has the edge over RF overall, supported by stronger fundamentals and stronger valuation.
RF
Regions Financial Corporation
RF 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.
RF Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
RF's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like RF.
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.
RF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.1x | $20.63 | -28% |
| Forward | 10x | $28.51 | — |
| Fair | 11x | $27.95 | -2% |
| Current | 11x | $28.51 | — |
| Expensive | 13x | $33.96 | +19% |
Historical ranges are pointers, not guarantees.
RF 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.
RF Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect RF'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 RF on earnings, with more consistent year-over-year improvement.
RF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.80 | +9.2% |
| Q3 2026 | $2.56 | +13% |
| Q2 2026 | $2.46 | +15% |
| Q1 2026 | $2.41 | +16% |
| Q4 2025 | $2.30 | +19% |
| Q3 2025 | $2.26 | +26% |
| Q2 2025 | $2.14 | +20% |
| Q1 2025 | $2.07 | +11% |
| Q4 2024 | $1.93 | -8.5% |
RF earned $2.56 per share over the past year, up 13% 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'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.
RF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $2B | +3% |
| Q2 2026 | $1.9B | +0.1% |
| Q1 2026 | $1.9B | +5% |
| Q4 2025 | $1.9B | +5.8% |
| Q3 2025 | $1.9B | +7% |
| Q2 2025 | $1.9B | +10% |
| Q1 2025 | $1.8B | +2.1% |
| Q4 2024 | $1.8B | +0.2% |
RF's revenue has grown year over year for eight quarters in a row: $2B last quarter, up 3% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | +2.9 points |
| Q2 2026 | 38% | +0.6 points |
| Q1 2026 | 38% | +3.3 points |
| Q4 2025 | 37% | +0.7 points |
| Q3 2025 | 37% | +3 points |
| Q2 2025 | 37% | +1 points |
| Q1 2025 | 35% | +8.3 points |
| Q4 2024 | 36% | +10 points |
RF 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.
RF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$15M | -102% |
| Q2 2026 | $369M | -36% |
| Q1 2026 | $867M | -19% |
| Q4 2025 | -$319M | -$99M |
| Q3 2025 | $861M | -32% |
| Q2 2025 | $573M | +256% |
| Q1 2025 | $1.1B | +169% |
| Q4 2024 | -$220M | -126% |
RF 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 RF 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.
RF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -1M shares |
| 1 year | -4.3% | -38M shares |
| 3 years | -8.9% | -84M shares |
| 5 years | -11% | -106M shares |
| Available history | -14% | -143M shares |
RF has 856M diluted shares, down 4.3% from a year ago, with $985M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $95M |
| Q2 2026 | $59M |
| Q1 2026 | $401M |
| Q4 2025 | $430M |
| Q3 2025 | $251M |
| Q2 2025 | $144M |
| Q1 2025 | $242M |
| Q4 2024 | $58M |
RF spent $985M buying back its own shares over the past year, up 42% 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 RF on leverage, with a lower net debt burden relative to earnings.
RF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 2.5x | Moderate |
| Q2 2026 | 1.5x | Healthy |
| Q1 2026 | 1.0x | Very low |
| Q4 2025 | 0.6x | Very low |
| Q3 2025 | 1.1x | Healthy |
| Q2 2025 | 0.8x | Very low |
| Q1 2025 | 1.0x | Healthy |
| Q4 2024 | 1.4x | Healthy |
RF's net debt is about 2.5 years of its operating earnings (EBITDA), up from 1.1 years a year ago. Net leverage isn't a meaningful measure for financial services companies like RF.
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).
RF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 48.5 | Neutral |
| Stochastic | 38.2 | Neutral |
RF's weekly RSI is 49 (neutral) and its Stochastic is 38 (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.
RF PE vs Financial Services Sector
| Metric | RF | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 14% below |
| PE % | 54 | 63 | 9 pts below |
RF 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.
RF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $27.9 | 2.3% above |
| 20 week MA | $29.6 | 3.5% below |
| 50 week MA | $28.5 | 0% below |
| 100 week MA | $26.1 | 9.2% above |
| 200 week MA | $23.0 | 24% above |
RF's trend is mixed: it's above three of its five weekly moving averages, and 24% 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.
RF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $17.2 | $16.0 | -7.1% |
| 2021 | $16.0 | $21.5 | +35% |
| 2022 | $21.5 | $21.2 | -1.4% |
| 2023 | $21.2 | $19.4 | -8.7% |
| 2024 | $19.4 | $23.7 | +22% |
| 2025 | $23.7 | $27.8 | +17% |
| 2026 YTD | $27.8 | $28.5 | +2.6% |
RF has the edge over GS on returns for 2026, with the stronger performance.