GS
The Goldman Sachs Group, Inc.
GS has lower modeled downside risk, despite its lower overall score.
SEZL
Sezzle Inc.
SEZL has the edge over GS overall, supported by stronger modeled upside and stronger fundamentals.
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.
SEZL Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
SEZL's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like SEZL.
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.
SEZL PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 20x | $102 | -34% |
| Forward | 23x | $155 | — |
| Fair | 26x | $137 | -11% |
| Current | 30x | $155 | — |
| Expensive | 39x | $201 | +30% |
Historical ranges are pointers, not guarantees.
SEZL 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.
SEZL Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Improving | |
| Limited | |
| High |
SEZL 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's earnings per share have climbed steadily: $69.58 over the past year, up 41% from the year before, and higher year over year for 10 quarters in a row. Its recent earnings include one-off gains.
SEZL Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $6.68 | +28% |
| Q3 2026 | $5.21 | +61% |
| Q2 2026 | $4.58 | +57% |
| Q1 2026 | $4.19 | +42% |
| Q4 2025 | $3.72 | +70% |
| Q3 2025 | $3.24 | +106% |
| Q2 2025 | $2.92 | +150% |
| Q1 2025 | $2.96 | +679% |
| Q4 2024 | $2.19 | +3.3% |
SEZL has the edge over GS on earnings, with stronger typical year-over-year growth.
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.
SEZL Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $166.5M | +43% |
| Q2 2026 | $149.7M | +52% |
| Q1 2026 | $135.5M | +29% |
| Q4 2025 | $129.9M | +32% |
| Q3 2025 | $116.8M | +67% |
| Q2 2025 | $98.7M | +76% |
| Q1 2025 | $104.9M | +123% |
| Q4 2024 | $98.2M | +101% |
SEZL has the edge over GS on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 39% | +8.1 points |
| Q2 2026 | 37% | +0.2 points |
| Q1 2026 | 51% | +3.4 points |
| Q4 2025 | 43% | +11 points |
| Q3 2025 | 30% | +0.7 points |
| Q2 2025 | 37% | +6.7 points |
| Q1 2025 | 48% | +18 points |
| Q4 2024 | 31% | +16 points |
SEZL 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.
SEZL Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $86.5M | +163% |
| Q2 2026 | $51.8M | +$88.6M |
| Q1 2026 | $88.6M | +51% |
| Q4 2025 | $70.6M | +7426% |
| Q3 2025 | $32.9M | +478% |
| Q2 2025 | -$36.7M | -$32.3M |
| Q1 2025 | $58.8M | +52% |
| Q4 2024 | $937.7K | +$16M |
SEZL 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 SEZL 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.
SEZL Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +29K shares |
| 1 year | -2.6% | -922K shares |
| 3 years | +1.1% | +375K shares |
SEZL has 35M diluted shares, down 2.6% from a year ago, with $69M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $6.6M |
| Q2 2026 | $7.1M |
| Q1 2026 | $25.7M |
| Q4 2025 | $30M |
| Q3 2025 | $4M |
| Q2 2025 | $28.2M |
| Q1 2025 | $2.4M |
| Q4 2024 | $1.5M |
SEZL spent $69M buying back its own shares over the past year, up 92% 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 SEZL on leverage, with a lower net debt burden relative to earnings.
SEZL Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.1x | Very low |
| Q2 2026 | 0.2x | Very low |
| Q1 2026 | 0.1x | Very low |
| Q4 2025 | 0.4x | Very low |
| Q3 2025 | 0.1x | Very low |
| Q2 2025 | 0.3x | Very low |
| Q1 2025 | -0.2x | Net Cash |
| Q4 2024 | 0.4x | Very low |
SEZL's net debt is less than a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like SEZL.
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).
SEZL Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 63.8 | Neutral |
| Stochastic | 53.9 | Neutral |
SEZL's weekly RSI is 64 (neutral) and its Stochastic is 54 (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 SEZL on valuation relative to its sector.
SEZL PE vs Financial Services Sector
| Metric | SEZL | Sector median | Relative |
|---|---|---|---|
| PE | 30x | 13x | 128% above |
| PE % | 68 | 45 | 23 pts above |
SEZL is trading at 30x earnings, a 128% 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 |
SEZL has stronger trend alignment. GS is above 3 of 5 weekly averages versus SEZL above 4 of 4.
SEZL Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $130.8 | 18% above |
| 20 week MA | $136.9 | 13% above |
| 50 week MA | $105.3 | 47% above |
| 100 week MA | $91.7 | 69% above |
SEZL is in an uptrend: it's above all four of its weekly moving averages, and 69% above its 100-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.
SEZL Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2023 | $1.23 | $3.42 | +178% |
| 2024 | $3.42 | $44.2 | +1192% |
| 2025 | $44.2 | $70.5 | +60% |
| 2026 YTD | $70.5 | $154.7 | +119% |
SEZL has the edge over GS on returns for 2026, with the stronger performance.