GS
The Goldman Sachs Group, Inc.
GS has the edge over SNFCA overall, supported by stronger fundamentals and lower modeled downside.
SNFCA
Security National Financial Corporation
SNFCA offers stronger valuation, 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.
SNFCA Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Strong | |
| N/A | |
| N/A |
SNFCA's profitability is currently strong, but its revenue is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like SNFCA.
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 has the edge over SNFCA in the historical PE scenario, which offers more potential upside but is not a forecast.
SNFCA PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 4.8x | $6.30 | -30% |
| Current | 6.8x | $8.97 | — |
| Fair | 7.5x | $9.86 | +9.9% |
| Expensive | 11x | $15.03 | +68% |
Historical ranges are pointers, not guarantees.
SNFCA's PE is in its fair range at 6.8x.
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.
SNFCA Forward outlook
There aren't enough analyst estimates for SNFCA 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 SNFCA on earnings, with more consistent year-over-year improvement.
SNFCA Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $1.31 | +90% |
| Q2 2026 | $1.38 | +64% |
| Q1 2026 | $1.29 | +48% |
| Q4 2025 | $1.19 | +20% |
| Q3 2025 | $0.69 | -38% |
| Q2 2025 | $0.84 | +2.4% |
| Q1 2025 | $0.87 | +10% |
| Q4 2024 | $0.99 | +80% |
SNFCA's earnings per share have fallen from their peak: $1.31 over the past year, against $2.54 in early 2021.
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 SNFCA 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 SNFCA on profitability, with a higher operating margin.
SNFCA Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $79.9M | -11% |
| Q2 2026 | $83.9M | -6.3% |
| Q1 2026 | $79.7M | -3.6% |
| Q4 2025 | $83M | +4.7% |
| Q3 2025 | $89.3M | +1.2% |
| Q2 2025 | $89.5M | +4.4% |
| Q1 2025 | $82.7M | +1.9% |
| Q4 2024 | $79.3M | +5.8% |
SNFCA's revenue has slid since its 2020 peak: $80M last quarter, down 11% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 10% | -1.1 points |
| Q2 2026 | 14% | +4.6 points |
| Q1 2026 | 11% | +4.6 points |
| Q4 2025 | 21% | +21 points |
| Q3 2025 | 11% | -5.9 points |
| Q2 2025 | 9.3% | -1.6 points |
| Q1 2025 | 6.7% | -5.1 points |
| Q4 2024 | -0.1% | -2 points |
SNFCA's operating margin was 10% last quarter, down 1.1 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.
SNFCA Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $56.2M | +125% |
| Q2 2026 | $3.7M | +$11.8M |
| Q1 2026 | $32.8M | +258% |
| Q4 2025 | $17.9M | -13% |
| Q3 2025 | $24.9M | -6.4% |
| Q2 2025 | -$8.1M | +$9M |
| Q1 2025 | $9.1M | -63% |
| Q4 2024 | $20.5M | -42% |
SNFCA 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 SNFCA 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.
SNFCA Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +20.7K shares |
| 1 year | +0.9% | +242K shares |
| 3 years | +1.8% | +483K shares |
| 5 years | +0.5% | +136K shares |
| Available history | +7.5% | +1.9M shares |
SNFCA has 27M diluted shares, up 0.9% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $6,031 |
| Q2 2026 | $551,005 |
| Q1 2026 | $785,521 |
| Q4 2025 | $5,436 |
| Q3 2025 | $400,929 |
| Q2 2025 | $961,419 |
| Q1 2025 | $242,265 |
| Q4 2024 | $1.4M |
SNFCA spent $1M buying back its own shares over the past year, down 55% 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 more cash than debt. Net leverage isn't a meaningful measure for financial services companies like GS.
SNFCA Net Leverage
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).
SNFCA Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 46.4 | Neutral |
| Stochastic | 53.5 | Neutral |
SNFCA's weekly RSI is 46 (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 is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
SNFCA PE vs Financial Services Sector
| Metric | SNFCA | Sector median | Relative |
|---|---|---|---|
| PE | 6.8x | 13x | 48% below |
| PE % | 41 | 63 | 22 pts below |
SNFCA 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 has the edge over SNFCA on trend strength, trading above more of its moving averages.
SNFCA Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $9.12 | 1.6% below |
| 20 week MA | $9.21 | 2.6% below |
| 50 week MA | $9.08 | 1.2% below |
| 100 week MA | $9.32 | 3.8% below |
| 200 week MA | $8.38 | 7% above |
SNFCA has fallen below most of its moving averages, though it's still 7% 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.
SNFCA Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $4.31 | $6.47 | +50% |
| 2021 | $6.47 | $7.48 | +16% |
| 2022 | $7.48 | $5.77 | -23% |
| 2023 | $5.77 | $8.16 | +41% |
| 2024 | $8.16 | $11.5 | +41% |
| 2025 | $11.5 | $8.67 | -25% |
| 2026 YTD | $8.67 | $8.97 | +3.5% |
SNFCA has the edge over GS on returns for 2026, with the stronger performance.