GS · NYSE · STOCK
Goldman Sachs (GS) Stock Analysis
$880.50
52W $740.01 – $1153.99
58/100
$259.52B
12.6
1.28
Is GS Bullish or Bearish?
Mixed.
Innellis AI committee rates Goldman Sachs (GS) Watch with a composite score of 58/100
, based on 6 analysts with 67% agreement.
Last updated October 16, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +2.34 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 — -17.66 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 primary driver is eps growing 39.6% yoy. The main limiting factor is sector concentration is already high (hhi 2739.42). The committee is constructive but not yet at full conviction.
Bull & Bear Case
Bull Case
- P/E of 11.4 is inexpensive for the broad market — Value
- ROE of 17.9% shows genuine earnings power backing the valuation — Value
- Dividend yield of 3.2% pays you to wait — Value
- EPS growing 39.6% YoY — Growth
- 6 consecutive earnings beats -- consistent execution — Growth
- MACD histogram positive -- bullish momentum — Technical
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
- Weekly RSI at 20 -- oversold on the larger timeframe too — 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 October 16, 2026
Overall Committee Score
58/100
Agreement
67%
Analysts
6
Conviction
Moderate
Sector Rank
Top 63%
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 11.4 is inexpensive for the broad market
− Debt-to-equity of 9.30 adds balance-sheet risk to the value case
Growth Analyst
bullish
66
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ EPS growing 39.6% YoY
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ MACD histogram positive -- bullish momentum
− Weekly RSI at 20 -- oversold on the larger timeframe too
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
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2739.42)
Investment Thesis Evolution
Committee score moved marginally from 56.8 to 57.7.
- New bearish signals: 2 appeared.
- Bearish pressure eased: 3 signal(s) disappeared.
- Analyst(s) changed stance: News Analyst, Technical Analyst.
Analyst-level changes:
- News Analyst: stance bullish->neutral.
- Portfolio Manager: +1 bearish signal(s).
- Technical Analyst: stance neutral->bullish; score 54->61 (+8); +1 bearish signal(s).
Comparing 2026-10-15 to 2026-10-16 (1 day apart).
Technical Analysis
RSI (14)
40.9
Neutral
MACD Histogram
2.140
Bullish Momentum
Trend Direction
Sideways
Weekly: Sideways
Market Structure
Lh Ll
Support
$780.60
Resistance
$983.33
Bollinger %B
0.31
Inside Bands
Price vs Moving Averages
EMA 9
$893.33
Below
EMA 21
$915.86
Below
EMA 50
$957.69
Below
EMA 200
$942.03
Below
Fundamental Analysis
Valuation
67
Growth
65
Profitability
65
Financial Health
97
Cash Flow
15
Valuation
P/E Ratio
12.6×
P/B Ratio
120.95×
PEG Ratio
0.31
Dividend Yield
2.02%
52W High
$1153.99
52W Low
$740.01
Quality & Growth
ROE
1374.4%
ROA
94.9%
Gross Margin
5752.6%
Operating Margin
2499.7%
Revenue Growth YoY
—
Debt / Equity
0.04
AI Fundamental Assessment
P/E ratio of 12.6 (inexpensive relative to a 15-40x range); Price-to-book of 120.9x; PEG ratio of 0.3 (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 18.0%; Gross margin of 57.5%; Current ratio of 1.92 (healthy short-term liquidity); Debt-to-equity of 0.04; Free cash flow per share is negative (-140.21); Most recent quarter beat estimates by 26.8%; 6 consecutive earnings beats; EPS growth decelerating (+19.5% -> -18.9% QoQ); Average YoY EPS growth of 65.6%; Analyst estimates falling over recent quarters
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