GS
The Goldman Sachs Group, Inc.
GS has the edge over WU overall, supported by stronger fundamentals and stronger modeled upside.
WU
The Western Union Company
WU trails on the overall score without a compensating advantage in the available component scores.
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.
WU Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Stable | |
| N/A | |
| N/A |
WU's revenue and profitability are currently stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like WU.
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.
WU PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 4.6x | $6.65 | — |
| Cheap | 4.8x | $5.02 | -25% |
| Current | 6.3x | $6.65 | — |
| Fair | 6.8x | $7.12 | +7.1% |
| Expensive | 11x | $11.13 | +67% |
Historical ranges are pointers, not guarantees.
WU 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.
WU Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Decline | |
| Stable | |
| Weakening | |
| Moderate | |
| Low |
Analysts expect WU's earnings and profitability to decline, with its revenue holding steady. However, they disagree widely on these estimates.
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 WU on earnings, with more consistent year-over-year improvement.
WU Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.44 | +37% |
| Q3 2026 | $1.05 | -54% |
| Q2 2026 | $1.23 | -54% |
| Q1 2026 | $1.36 | -49% |
| Q4 2025 | $1.52 | -45% |
| Q3 2025 | $2.30 | +18% |
| Q2 2025 | $2.65 | +63% |
| Q1 2025 | $2.69 | +59% |
| Q4 2024 | $2.74 | +63% |
WU's earnings per share have fallen from their peak: $1.05 over the past year, against $2.74 in late 2024.
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 WU 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 WU on profitability, with a higher operating margin.
WU Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1B | -2.3% |
| Q2 2026 | $1B | -1.3% |
| Q1 2026 | $982.7M | -0.1% |
| Q4 2025 | $1B | -4.7% |
| Q3 2025 | $1B | -0.3% |
| Q2 2025 | $1B | -3.8% |
| Q1 2025 | $983.6M | -6.2% |
| Q4 2024 | $1.1B | +0.6% |
WU's revenue fell from its 2019 peak and has held roughly level since: $1B last quarter, down 2.3% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 13% | -6.6 points |
| Q2 2026 | 13% | -5.7 points |
| Q1 2026 | 13% | -5.5 points |
| Q4 2025 | 18% | +1.6 points |
| Q3 2025 | 20% | +3.6 points |
| Q2 2025 | 19% | +0.9 points |
| Q1 2025 | 18% | -0.3 points |
| Q4 2024 | 17% | +1.7 points |
WU's operating margin was 13% last quarter, down 6.6 points from the same quarter a year ago, near the bottom of its range since 2019.
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.
WU Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $99.9M | -60% |
| Q2 2026 | $94.6M | +$102.4M |
| Q1 2026 | $102.6M | -29% |
| Q4 2025 | $115.5M | -3.5% |
| Q3 2025 | $252.7M | +23% |
| Q2 2025 | -$7.8M | +$31.1M |
| Q1 2025 | $144.8M | +74% |
| Q4 2024 | $119.7M | -54% |
WU 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 WU 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.
WU Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -100K shares |
| 1 year | -2.9% | -9.3M shares |
| 3 years | -16% | -61.5M shares |
| 5 years | -23% | -94.5M shares |
| Available history | -26% | -111M shares |
WU has 314M diluted shares, down 2.9% from a year ago, with $92M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.7M |
| Q2 2026 | $11.1M |
| Q1 2026 | $52.9M |
| Q4 2025 | $26.1M |
| Q3 2025 | $52.3M |
| Q2 2025 | $79.5M |
| Q1 2025 | $76.7M |
| Q4 2024 | $3.7M |
WU spent $92M buying back its own shares over the past year, down 57% 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 WU on leverage, with a lower net debt burden relative to earnings.
WU Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.9x | Healthy |
| Q2 2026 | 1.9x | Healthy |
| Q1 2026 | 1.6x | Healthy |
| Q4 2025 | 1.8x | Healthy |
| Q3 2025 | 1.7x | Healthy |
| Q2 2025 | 1.7x | Healthy |
| Q1 2025 | 1.3x | Healthy |
| Q4 2024 | 1.6x | Healthy |
WU's net debt is about 1.9 years of its operating earnings (EBITDA), up from 1.7 years a year ago. Net leverage isn't a meaningful measure for financial services companies like WU.
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).
WU Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.4 | Neutral |
| Stochastic | 38.7 | Neutral |
WU's weekly RSI is 44 (neutral) and its Stochastic is 39 (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.
WU PE vs Financial Services Sector
| Metric | WU | Sector median | Relative |
|---|---|---|---|
| PE | 6.3x | 13x | 51% below |
| PE % | 42 | 63 | 21 pts below |
WU 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 WU on trend strength, trading above more of its moving averages.
WU Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $6.31 | 5.4% above |
| 20 week MA | $6.96 | 4.5% below |
| 50 week MA | $8.17 | 19% below |
| 100 week MA | $8.77 | 24% below |
| 200 week MA | $10.5 | 37% below |
WU has bounced recently, but its long-term trend is still down: it's above its 8-week average, but 37% below 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 the edge over WU on returns for 2026, with the stronger performance.
WU Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $27.4 | $21.9 | -20% |
| 2021 | $21.9 | $17.8 | -19% |
| 2022 | $17.8 | $13.8 | -22% |
| 2023 | $13.8 | $11.9 | -14% |
| 2024 | $11.9 | $10.7 | -10% |
| 2025 | $10.7 | $9.40 | -12% |
| 2026 YTD | $9.40 | $6.65 | -29% |
WU has finished every year since 2020 lower, and it's down 29% so far in 2026.