GS
The Goldman Sachs Group, Inc.
GS has the edge over WF overall, supported by stronger fundamentals and lower modeled downside.
WF
Woori Financial Group Inc.
WF's outlook is improving, though it still trails on the 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.
WF Fundamentals
| Metric | Status |
|---|---|
| Weak | |
| Strong | |
| N/A | |
| N/A |
WF's profitability is currently strong, but its revenue is weak. Free cash flow and net leverage aren't meaningful measures for financial services companies like WF.
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 WF in the historical PE scenario, which offers more potential upside but is not a forecast.
WF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 3.1x | $30.04 | -57% |
| Fair | 4.5x | $44.50 | -36% |
| Expensive | 6.8x | $66.11 | -5.3% |
| Current | 7.1x | $69.84 | — |
Historical ranges are pointers, not guarantees.
WF's PE is 7.1x, but its earnings don't support one, so it isn't a reliable read right now.
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.
WF Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for WF, with profitability improving.
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 WF on earnings, with more consistent year-over-year improvement.
WF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $9.79 | +18% |
| Q1 2026 | $9.37 | +14% |
| Q4 2025 | $9.28 | +4.6% |
| Q3 2025 | $9.40 | +21% |
| Q2 2025 | $8.30 | +6.1% |
| Q1 2025 | $8.25 | +19% |
| Q4 2024 | $8.87 | +22% |
| Q3 2024 | $7.80 | -9.2% |
WF earned $9.79 per share over the past year, up 18% 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 WF 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's operating margin was 37% last quarter, up 2 points from the same quarter a year ago.
WF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $1B | -78% |
| Q1 2026 | $635.4M | -86% |
| Q4 2025 | $401.2M | -92% |
| Q3 2025 | $4.9B | -1.3% |
| Q2 2025 | $4.7B | -4% |
| Q1 2025 | $4.7B | -1.7% |
| Q4 2024 | $4.7B | +0.5% |
| Q3 2024 | $4.9B | +10% |
WF's revenue has slid since its 2024 peak: $1B last quarter, down 78% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 100% | +81 points |
| Q1 2026 | 100% | +86 points |
| Q4 2025 | 100% | +90 points |
| Q3 2025 | 24% | +5.3 points |
| Q2 2025 | 19% | -0.2 points |
| Q1 2025 | 14% | -4.2 points |
| Q4 2024 | 10% | +8 points |
| Q3 2024 | 18% | -2.6 points |
WF 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.
WF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $4.8B | +$6.4B |
| Q1 2026 | $10.1B | +$10.5B |
| Q4 2025 | $8.6B | +581% |
| Q3 2025 | $3.2B | +$5.5B |
| Q2 2025 | -$1.7B | +$2B |
| Q1 2025 | -$365.2M | -$141.6M |
| Q4 2024 | $1.3B | -73% |
| Q3 2024 | -$2.3B | -150% |
WF 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 WF 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.
WF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -4.2% | -10.9M shares |
| 1 year | +1.4% | +3.3M shares |
| 3 years | +2.2% | +5.3M shares |
| 5 years | +3% | +7.3M shares |
| Available history | +9.1% | +20.7M shares |
WF has 248M diluted shares, up 1.4% from a year ago.
| Quarter | Spent |
|---|---|
| Q2 2026 | $74.5M |
| Q1 2026 | $79.5M |
| Q4 2025 | — |
| Q3 2025 | $104,905 |
| Q2 2025 | $96.8M |
| Q1 2025 | $15.5M |
| Q4 2024 | $8,992 |
| Q3 2024 | — |
WF spent $154M buying back its own shares over the past year, up 37% 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 WF on leverage, with a lower net debt burden relative to earnings.
WF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 13.1x | High |
| Q1 2026 | 11.7x | High |
| Q4 2025 | 10.8x | High |
| Q3 2025 | 10.5x | High |
| Q2 2025 | 10.9x | High |
| Q1 2025 | 11.0x | High |
| Q4 2024 | 10.5x | High |
| Q3 2024 | 10.2x | High |
WF's net debt is about 13 years of its operating earnings (EBITDA), up from 11 years a year ago. Net leverage isn't a meaningful measure for financial services companies like WF.
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).
WF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.1 | Neutral |
| Stochastic | 25.2 | Neutral |
WF's weekly RSI is 51 (neutral) and its Stochastic is 25 (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.
WF PE vs Financial Services Sector
| Metric | WF | Sector median | Relative |
|---|---|---|---|
| PE | 7.1x | 13x | 45% below |
| PE % | 89 | 63 | 26 pts above |
WF 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.
WF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $71.1 | 1.8% below |
| 20 week MA | $70.3 | 0.7% below |
| 50 week MA | $67.1 | 4.1% above |
| 100 week MA | $55.6 | 26% above |
| 200 week MA | $43.1 | 62% above |
WF has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 62% 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.
WF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $32.1 | $27.6 | -14% |
| 2021 | $27.6 | $33.9 | +23% |
| 2022 | $33.9 | $30.0 | -11% |
| 2023 | $30.0 | $30.2 | +0.7% |
| 2024 | $30.2 | $31.4 | +3.8% |
| 2025 | $31.4 | $59.9 | +91% |
| 2026 YTD | $59.9 | $69.8 | +17% |
WF has the edge over GS on returns for 2026, with the stronger performance.