GS
The Goldman Sachs Group, Inc.
GS has the edge over SPFI overall, supported by stronger valuation and stronger fundamentals.
SPFI
South Plains Financial, Inc.
SPFI 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.
SPFI Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
SPFI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like SPFI.
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.
SPFI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.2x | $27.16 | -37% |
| Fair | 8.5x | $31.98 | -25% |
| Forward | 10x | $42.80 | — |
| Current | 11x | $42.80 | — |
| Expensive | 12x | $45.37 | +6% |
Historical ranges are pointers, not guarantees.
SPFI 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.
SPFI Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Stable | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for SPFI, with profitability 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 SPFI on earnings, with more consistent year-over-year improvement.
SPFI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.08 | +8.2% |
| Q3 2026 | $3.77 | +7.7% |
| Q2 2026 | $3.67 | +15% |
| Q1 2026 | $3.57 | +19% |
| Q4 2025 | $3.44 | +18% |
| Q3 2025 | $3.50 | +37% |
| Q2 2025 | $3.20 | +19% |
| Q1 2025 | $3.00 | -20% |
| Q4 2024 | $2.92 | -19% |
SPFI earned $3.77 per share over the past year, up 7.7% 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.
SPFI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $65.3M | +20% |
| Q2 2026 | $64.5M | +18% |
| Q1 2026 | $54.1M | +10% |
| Q4 2025 | $53.9M | +3.9% |
| Q3 2025 | $54.2M | +13% |
| Q2 2025 | $54.7M | +12% |
| Q1 2025 | $49.2M | +5.1% |
| Q4 2024 | $51.9M | +17% |
SPFI's revenue has grown year over year for eight quarters in a row: $65M last quarter, up 20% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | +2.3 points |
| Q2 2026 | 38% | +3.6 points |
| Q1 2026 | 34% | +2 points |
| Q4 2025 | 35% | -4.5 points |
| Q3 2025 | 38% | +8.3 points |
| Q2 2025 | 34% | +4.8 points |
| Q1 2025 | 32% | +2 points |
| Q4 2024 | 40% | +10 points |
SPFI 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.
SPFI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $30.5M | +36% |
| Q2 2026 | $26.8M | +106% |
| Q1 2026 | $14.8M | -41% |
| Q4 2025 | $11.4M | +262% |
| Q3 2025 | $22.5M | +31% |
| Q2 2025 | $13M | -24% |
| Q1 2025 | $25M | +34% |
| Q4 2024 | $3.1M | -52% |
SPFI 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 SPFI 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.
SPFI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.1% | -208K shares |
| 1 year | +15% | +2.6M shares |
| 3 years | +13% | +2.2M shares |
| 5 years | +6.2% | +1.1M shares |
| Available history | +15% | +2.6M shares |
SPFI has 20M diluted shares, up 15% from a year ago, despite $13M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $12.8M |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | $276,000 |
| Q1 2025 | $8.3M |
| Q4 2024 | — |
SPFI spent $13M buying back its own shares over the past year, up 51% 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.
SPFI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -8.1x | Net Cash |
| Q2 2026 | -8.7x | Net Cash |
| Q1 2026 | -8.6x | Net Cash |
| Q4 2025 | -6.7x | Net Cash |
| Q3 2025 | -7.6x | Net Cash |
| Q2 2025 | -5.4x | Net Cash |
| Q1 2025 | -6.6x | Net Cash |
| Q4 2024 | -4.2x | Net Cash |
SPFI has the edge over GS on leverage, with a lower net debt burden relative to earnings.
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).
SPFI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 49.0 | Neutral |
| Stochastic | 45.1 | Neutral |
SPFI's weekly RSI is 49 (neutral) and its Stochastic is 45 (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.
SPFI PE vs Financial Services Sector
| Metric | SPFI | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 13% below |
| PE % | 71 | 63 | 8 pts above |
SPFI 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.
SPFI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $43.0 | 0.5% below |
| 20 week MA | $43.9 | 2.4% below |
| 50 week MA | $42.3 | 1.2% above |
| 100 week MA | $39.3 | 9% above |
| 200 week MA | $33.5 | 28% above |
SPFI has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 28% 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.
SPFI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $21.0 | $18.9 | -9.8% |
| 2021 | $18.9 | $26.9 | +42% |
| 2022 | $26.9 | $28.3 | +5.1% |
| 2023 | $28.3 | $29.0 | +2.5% |
| 2024 | $29.0 | $35.0 | +21% |
| 2025 | $35.0 | $39.6 | +13% |
| 2026 YTD | $39.6 | $42.8 | +8.2% |
SPFI has the edge over GS on returns for 2026, with the stronger performance.