GS
The Goldman Sachs Group, Inc.
GS has a slight edge over UFCS overall, supported by stronger fundamentals.
UFCS
United Fire Group, Inc.
UFCS 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.
UFCS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
UFCS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like UFCS.
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.
UFCS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.9x | $46.41 | -9.5% |
| Current | 9.8x | $51.30 | — |
| Fair | 11x | $59.07 | +15% |
| Forward | 11x | $51.30 | — |
| Expensive | 44x | $229 | +347% |
Historical ranges are pointers, not guarantees.
UFCS 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 |
GS has the edge over UFCS on the outlook, with more favorable valuation and profitability expectations.
UFCS Forward outlook
| Metric | Outlook |
|---|---|
| Deteriorating | |
| Growth | |
| Growth | |
| Stable | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for UFCS, 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'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.
UFCS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.63 | -11% |
| Q3 2026 | $5.23 | +23% |
| Q2 2026 | $5.38 | +53% |
| Q1 2026 | $4.96 | +95% |
| Q4 2025 | $4.48 | +87% |
| Q3 2025 | $4.25 | +119% |
| Q2 2025 | $3.52 | +146% |
| Q1 2025 | $2.54 | +$3.23 |
| Q4 2024 | $2.39 | +$3.57 |
UFCS's earnings per share have climbed steadily: $5.23 over the past year, up 23% from the year before, and higher year over year for 10 quarters in a row.
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 has the edge over UFCS on profitability, with a higher operating margin.
UFCS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $391.6M | +11% |
| Q2 2026 | $383.7M | +14% |
| Q1 2026 | $369.4M | +12% |
| Q4 2025 | $365.8M | +9.8% |
| Q3 2025 | $354M | +9.6% |
| Q2 2025 | $335.5M | +11% |
| Q1 2025 | $331.1M | +12% |
| Q4 2024 | $333.2M | +16% |
UFCS's revenue has grown year over year for 16 quarters in a row: $392M last quarter, up 11% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 11% | -2.3 points |
| Q2 2026 | 11% | +2.2 points |
| Q1 2026 | 10% | +3.7 points |
| Q4 2025 | 13% | +1.3 points |
| Q3 2025 | 14% | +6 points |
| Q2 2025 | 8.7% | +9.9 points |
| Q1 2025 | 6.6% | +1.1 points |
| Q4 2024 | 12% | +3.5 points |
UFCS's operating margin was 11% last quarter, down 2.3 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.
UFCS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $101.1M | +66% |
| Q2 2026 | $34.2M | -36% |
| Q1 2026 | $56.6M | +59% |
| Q4 2025 | $119.8M | -23% |
| Q3 2025 | $60.8M | +7.8% |
| Q2 2025 | $53.4M | -42% |
| Q1 2025 | $35.7M | -1.3% |
| Q4 2024 | $156.4M | +603% |
UFCS 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 UFCS 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.
UFCS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1% | +271K shares |
| 1 year | -0.8% | -201K shares |
| 3 years | +2.3% | +587K shares |
| 5 years | +4.3% | +1.1M shares |
| Available history | +2.3% | +584K shares |
UFCS has 26M diluted shares, down 0.8% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | $1,000 |
| Q3 2021 | $1M |
| Q2 2021 | $1M |
| Q1 2021 | $7,000 |
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 UFCS on leverage, with a lower net debt burden relative to earnings.
UFCS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.0x | Net Cash |
| Q2 2026 | 0.0x | Very low |
| Q1 2026 | -0.1x | Net Cash |
| Q4 2025 | -1.0x | Net Cash |
| Q3 2025 | -1.6x | Net Cash |
| Q2 2025 | -1.6x | Net Cash |
| Q1 2025 | -2.0x | Net Cash |
| Q4 2024 | -2.3x | Net Cash |
UFCS has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like UFCS.
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).
UFCS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 50.5 | Neutral |
| Stochastic | 44.4 | Neutral |
UFCS's weekly RSI is 51 (neutral) and its Stochastic is 44 (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.
UFCS PE vs Financial Services Sector
| Metric | UFCS | Sector median | Relative |
|---|---|---|---|
| PE | 9.8x | 13x | 25% below |
| PE % | 31 | 63 | 32 pts below |
UFCS 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.
UFCS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $54.1 | 5.2% below |
| 20 week MA | $53.7 | 4.4% below |
| 50 week MA | $45.5 | 13% above |
| 100 week MA | $37.3 | 38% above |
| 200 week MA | $30.1 | 71% above |
UFCS has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 71% 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.
UFCS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $43.2 | $24.5 | -43% |
| 2021 | $24.5 | $23.3 | -4.9% |
| 2022 | $23.3 | $28.4 | +22% |
| 2023 | $28.4 | $20.1 | -29% |
| 2024 | $20.1 | $28.5 | +42% |
| 2025 | $28.5 | $36.4 | +28% |
| 2026 YTD | $36.4 | $51.3 | +41% |
UFCS has the edge over GS on returns for 2026, with the stronger performance.