GS
The Goldman Sachs Group, Inc.
GS's fundamentals are strong: revenue grew 19% and its operating margin rose 4 points to 40%. Its PE isn't a useful guide right now because of how its recent earnings were reported.
SHFS
SHF Holdings, Inc.
There isn't enough reported data to score SHFS yet.
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.
SHFS Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Under pressure | |
| N/A | |
| N/A |
SHFS's revenue is currently stable, but its profitability is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like SHFS.
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.
SHFS PE Valuation
SHFS has no meaningful PE right now: it lost money over the past year.
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.
SHFS Forward outlook
There aren't enough analyst estimates for SHFS to show an outlook.
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 SHFS on earnings quality, reporting a profit while its opponent remains loss making.
SHFS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | -$13.43 | +$219.37 |
| Q2 2026 | -$11.76 | +$219.36 |
| Q1 2026 | -$11.40 | +$210.96 |
| Q4 2025 | -$9.84 | +$199.32 |
| Q3 2025 | -$232.80 | -793% |
| Q2 2025 | -$231.12 | -975% |
| Q1 2025 | -$222.36 | -$147.96 |
| Q4 2024 | -$209.16 | -$110.76 |
SHFS is still losing money, but far less than before: $13.43 per share over the past year, against $600.13 at its worst in late 2023.
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 SHFS 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 SHFS on profitability, with a higher operating margin.
SHFS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $2M | +6.5% |
| Q2 2026 | $1.9M | +4.8% |
| Q1 2026 | $2M | +2.2% |
| Q4 2025 | $2.1M | -44% |
| Q3 2025 | $1.8M | -47% |
| Q2 2025 | $1.8M | -54% |
| Q1 2025 | $1.9M | -52% |
| Q4 2024 | $3.7M | -18% |
SHFS's revenue is recovering but still below its 2023 peak: $2M last quarter, up 6.5% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -51% | +15 points |
| Q2 2026 | -53% | -0.4 points |
| Q1 2026 | -89% | +14 points |
| Q4 2025 | -59% | +156 points |
| Q3 2025 | -66% | -72 points |
| Q2 2025 | -53% | -60 points |
| Q1 2025 | -103% | -111 points |
| Q4 2024 | -215% | -177 points |
SHFS's operating margin was −51% last quarter, up 15 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 has the edge over SHFS on cash flow, with more consistent year-over-year improvement.
SHFS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$1.2M | -$674.8K |
| Q2 2026 | -$1.8M | -$1.1M |
| Q1 2026 | -$1.1M | +$62.1K |
| Q4 2025 | -$1.1M | +$1.7M |
| Q4 2024 | -$2.8M | -$2.2M |
| Q4 2023 | -$607.1K | -$328.1K |
| Q2 2023 | -$378.7K | -$309.6K |
| Q1 2023 | -$775.1K | -$593.5K |
SHFS's free cash flow was −$5M over the past year, against −$5M the year before. Free cash flow isn't a meaningful measure for financial services companies like SHFS.
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 SHFS 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.
SHFS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +78% | +451K shares |
| 1 year | +336% | +792K shares |
| 3 years | +861% | +921K shares |
SHFS has 1M diluted shares, up 336% from a year ago.
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 more cash than debt. Net leverage isn't a meaningful measure for financial services companies like GS.
SHFS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2024 | 118.1x | High |
SHFS's net debt is more than 20 years of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like SHFS.
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).
SHFS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 25.4 | Oversold |
| Stochastic | 0.2 | Oversold |
SHFS's weekly RSI is 25 (oversold) and its Stochastic is 0 (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 is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
SHFS PE vs Financial Services Sector
| Metric | SHFS | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
SHFS has no meaningful PE right now: it lost money over the past year.
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 has the edge over SHFS on trend strength, trading above more of its moving averages.
SHFS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $0.49 | 96% below |
| 20 week MA | $1.50 | 99% below |
| 50 week MA | $6.73 | 100% below |
| 100 week MA | $29.3 | 100% below |
| 200 week MA | $96.8 | 100% below |
SHFS is in a downtrend: it's below all five of its weekly moving averages, and 100% below 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 the edge over SHFS on returns for 2026, with the stronger performance.
SHFS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $2,371.2 | $2,412.0 | +1.7% |
| 2022 | $2,412.0 | $460.8 | -81% |
| 2023 | $460.8 | $340.8 | -26% |
| 2024 | $340.8 | $101.0 | -70% |
| 2025 | $101.0 | $15.0 | -85% |
| 2026 YTD | $15.0 | $0.02 | -100% |
SHFS has finished four years in a row lower, and it's down 100% so far in 2026.