GS · Verdict

A summary of rules, not a profit forecast — don’t buy just because of a green verdict.

• ▲ P/E 12.9 vs peer median 15.1 — cheaper than peers
• ▼ P/S 3.7 — expensive for this stock (over 4 y: from 2.6 to 4.8)
• ▲ P/S 3.7 vs peer median 4.6 — cheaper than peers
• ▼ FCF yield -18.1% — expensive for this stock (over 10 y: from -26.1% to 17.9%)

• ▲ Share count down 11% in 3 y — buybacks grow your stake
• ▲ ROE 18% — high return on equity
• ▲ Net margin rose: 23.8% → 29.5%
• ▼ Debt / equity 3.09 — heavy debt load
• ▼ Free cash flow often negative

• ▲ Earnings per share grows 15.7% per year (3 y)
• ▲ Analysts raised the earnings forecast by +1.2% in 90 days

• ▼ Over 6 mo weaker than its sector (XLF) by 12%
• ▼ Price below SMA200 — long-term downtrend
• ▼ SMA50 below SMA200 — trend down

• ▼ Volatility 32% per year — much higher than the market (13%)

• ▲ Consensus of 21 analysts — buy
• ▲ Mean analyst target +15% from the current price
• ▲ Insiders buying over 6 mo

• ▲ S&P 500 above SMA200 — the market is in an uptrend
• ▲ Sector (XLF) above SMA200 — in an uptrend