GS · NYSE · STOCK
Goldman Sachs (GS) Stock Analysis
$1,049.24
52W $721.16 – $1153.99
54/100
$305.71B
15.8
1.29
Is GS Bullish or Bearish?
Mixed.
Innellis AI committee rates Goldman Sachs (GS) Watch with a composite score of 54/100
, based on 6 analysts with 50% agreement.
Last updated August 25, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +5.54 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -14.46 from today. The band boundary is 45.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Macro Analyst sees a compelling case. Risk Analyst remains cautious — high leverage (debt-to-equity 9.30) amplifies downside in a stress scenario. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 14.5 is inexpensive for the broad market — Value
- ROE of 16.9% shows genuine earnings power backing the valuation — Value
- Dividend yield of 3.2% pays you to wait — Value
- EPS growing 41.7% YoY — Growth
- 5 consecutive earnings beats -- consistent execution — Growth
Bear Case
- Debt-to-equity of 9.30 adds balance-sheet risk to the value case — Value
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- MACD histogram negative -- bearish momentum — Technical
- High leverage (debt-to-equity 9.30) amplifies downside in a stress scenario — Risk
- Current ratio of 0.32 is tight -- limited short-term liquidity cushion — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 25, 2026
Overall Committee Score
54/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 77%
of 211 Financial Services peers
Value Analyst
bullish
61
/ 100 · High confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 14.5 is inexpensive for the broad market
− Debt-to-equity of 9.30 adds balance-sheet risk to the value case
Growth Analyst
bullish
60
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ EPS growing 41.7% YoY
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
neutral
48
/ 100 · High confidence
Mixed or range-bound price action
− MACD histogram negative -- bearish momentum
Risk Analyst
bearish
32
/ 100 · Moderate confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− High leverage (debt-to-equity 9.30) amplifies downside in a stress scenario
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
neutral
60
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 3063.01)
Investment Thesis Evolution
Committee score moved marginally from 54.5 to 54.5.
Comparing 2026-08-24 to 2026-08-25 (1 day apart).
Technical Analysis
RSI (14)
50.6
Neutral
MACD Histogram
-0.434
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Mixed
Support
$780.60
Resistance
$1153.54
Bollinger %B
0.56
Inside Bands
Price vs Moving Averages
EMA 9
$1,032.93
Above
EMA 21
$1,038.12
Above
EMA 50
$1,034.78
Above
EMA 200
$937.63
Above
Fundamental Analysis
Valuation
94
Growth
82
Profitability
65
Financial Health
1
Cash Flow
15
Valuation
P/E Ratio
15.8×
P/B Ratio
2.53×
PEG Ratio
0.37
Dividend Yield
1.64%
52W High
$1153.99
52W Low
$721.16
Quality & Growth
ROE
1374.4%
ROA
94.9%
Gross Margin
5729.3%
Operating Margin
2480.7%
Revenue Growth YoY
—
Debt / Equity
6.04
AI Fundamental Assessment
P/E ratio of 15.8 (inexpensive relative to a 15-40x range); Price-to-book of 2.5x; PEG ratio of 0.4 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 13.7%; Return on assets of 0.9%; Net margin of 17.8%; Gross margin of 57.3%; Current ratio of 0.83 (tight short-term liquidity); Debt-to-equity of 6.04; Free cash flow per share is negative (-138.34); Most recent quarter beat estimates by 40.7%; 5 consecutive earnings beats; EPS growth decelerating (+25.3% -> +19.5% QoQ); Average YoY EPS growth of 92.3%; Analyst estimates rising over recent quarters
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