GS
The Goldman Sachs Group, Inc.
GS offers stronger fundamentals, but that advantage does not outweigh its weaker overall profile.
SIGI
Selective Insurance Group, Inc.
SIGI has a slight edge over GS overall, supported by stronger valuation and stronger modeled upside.
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.
SIGI Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
SIGI'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 SIGI.
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.
SIGI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 12x | $98.60 | -4.6% |
| Current | 12x | $103 | — |
| Forward | 12x | $103 | — |
| Fair | 17x | $140 | +36% |
| Expensive | 24x | $202 | +95% |
Historical ranges are pointers, not guarantees.
SIGI 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.
SIGI Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Decline | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect SIGI's earnings to grow and its profitability to improve, but its revenue to decline.
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.
SIGI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $8.96 | +7.7% |
| Q3 2026 | $8.32 | +28% |
| Q2 2026 | $8.06 | +32% |
| Q1 2026 | $7.31 | +99% |
| Q4 2025 | $7.49 | +132% |
| Q3 2025 | $6.50 | +75% |
| Q2 2025 | $6.12 | +67% |
| Q1 2025 | $3.68 | -35% |
| Q4 2024 | $3.23 | -45% |
SIGI earned $8.32 per share over the past year, up 28% 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 has the edge over SIGI 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 has the edge over SIGI on profitability, with a higher operating margin.
SIGI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.3B | -2.5% |
| Q2 2026 | $1.4B | +4.5% |
| Q1 2026 | $1.4B | +5.7% |
| Q4 2025 | $1.4B | +8.6% |
| Q3 2025 | $1.4B | +9.3% |
| Q2 2025 | $1.3B | +11% |
| Q1 2025 | $1.3B | +10% |
| Q4 2024 | $1.3B | +13% |
SIGI's revenue has held roughly level: $1.3B last quarter, down 2.5% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 12% | +1.5 points |
| Q2 2026 | 12% | +3.5 points |
| Q1 2026 | 9.1% | -1.7 points |
| Q4 2025 | 14% | +4.9 points |
| Q3 2025 | 11% | +1.4 points |
| Q2 2025 | 8.2% | +15 points |
| Q1 2025 | 11% | +2 points |
| Q4 2024 | 9.5% | -4.7 points |
SIGI's operating margin was 12% last quarter, up 1.5 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.
SIGI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $347M | -13% |
| Q2 2026 | $214.9M | +35% |
| Q1 2026 | $210.5M | -22% |
| Q4 2025 | $366.3M | +13% |
| Q3 2025 | $397.3M | +5.1% |
| Q2 2025 | $159.7M | -38% |
| Q1 2025 | $271M | +151% |
| Q4 2024 | $324.7M | +42% |
SIGI 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 SIGI 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.
SIGI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.5% | -329K shares |
| 1 year | -1.9% | -1.2M shares |
| 3 years | -1.9% | -1.2M shares |
| 5 years | -0.4% | -271K shares |
| Available history | -0.3% | -151K shares |
SIGI has 60M diluted shares, down 1.9% from a year ago, with $153M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $55.6M |
| Q2 2026 | $32.4M |
| Q1 2026 | $35M |
| Q4 2025 | $30.5M |
| Q3 2025 | $36.6M |
| Q2 2025 | $258,000 |
| Q1 2025 | $25.2M |
| Q4 2024 | $81,000 |
SIGI spent $153M buying back its own shares over the past year, up 147% 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 SIGI on leverage, with a lower net debt burden relative to earnings.
SIGI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.0x | Very low |
| Q2 2026 | -0.0x | Very low |
| Q1 2026 | -0.0x | Very low |
| Q4 2025 | -0.0x | Very low |
| Q3 2025 | -0.0x | Very low |
| Q2 2025 | -0.0x | Very low |
| Q1 2025 | -0.0x | Very low |
| Q4 2024 | 1.7x | Healthy |
SIGI has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like SIGI.
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).
SIGI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 68.3 | Neutral |
| Stochastic | 83.0 | Overbought |
SIGI's weekly RSI is 68 (neutral) and its Stochastic is 83 (overbought).
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.
SIGI PE vs Financial Services Sector
| Metric | SIGI | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 4.6% below |
| PE % | 23 | 63 | 40 pts below |
SIGI 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.
SIGI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $92.9 | 11% above |
| 20 week MA | $93.5 | 10% above |
| 50 week MA | $87.8 | 18% above |
| 100 week MA | $86.1 | 20% above |
| 200 week MA | $92.1 | 12% above |
SIGI 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.
SIGI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $64.8 | $66.9 | +3.2% |
| 2021 | $66.9 | $79.6 | +19% |
| 2022 | $79.6 | $90.9 | +14% |
| 2023 | $90.9 | $99.5 | +9.5% |
| 2024 | $99.5 | $93.8 | -5.7% |
| 2025 | $93.8 | $84.0 | -10% |
| 2026 YTD | $84.0 | $103.4 | +23% |
SIGI has the edge over GS on returns for 2026, with the stronger performance.