Compare Stocks › GS vs KR
The Goldman Sachs Group, Inc. (GS) vs The Kroger Co. (KR)
GS
The Goldman Sachs Group, Inc.
$809.50
VS
KR
The Kroger Co.
$73.76
Rewards
GS
- ★Gross margin of 82.9% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
- ★Share count has been reduced by 11% over the past 4 years through buybacks, increasing each share's claim on earnings.
- ★Each dollar of retained earnings has created $5.60 of market value — management is an exceptional capital allocator.
KR
- ★The Kroger Co. scores 71/100 on the Economic Moat Score (Wide Moat), with revenue predictability as the strongest competitive dimension.
- ★Share count has been reduced by 16% over the past 5 years through buybacks, increasing each share's claim on earnings.
- ★Each dollar of retained earnings has created $1.87 of market value — management is creating shareholder value.
Risks
GS
- ⚠The Goldman Sachs Group, Inc. scores only 26/100 on the Economic Moat Score, suggesting limited durable competitive advantages.
- ⚠High leverage (5.96x debt/equity) combined with thin interest coverage (-1.0x) poses financial risk.
- ⚠Altman Z-Score of 0.25 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
KR
- ⚠Gross margin of 23.3% is low, suggesting a competitive or commodity-like market with limited pricing power.
- ⚠FCF yield of 7.6% suggests reasonable valuation assuming continued moderate growth.
- ⚠Trailing P/E of 47.9x is 92% above the historical average of 24.9x — the stock trades at a premium to its own history.
Key Valuation Metrics
Learn more →GS
KR
Valuation
N/A
Free Cash Flow
$3.43B
N/A
FCF Yield
7.58%
15.77
Trailing P/E
47.90
12.45
Forward P/E
13.12
Quality & Moat
2.06%
ROIC
13.39%
13.00%
ROE
17.12%
82.88%
Gross Margin
23.30%
0.91
PEG Ratio
0.96
Balance Sheet Safety
5.96
Debt / Equity
4.16
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
2.68
2.22%
Dividend Yield
1.90%
GS: 4Ties: 2KR: 3
GSKR
Historical Fundamentals
Learn more →GS
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
KR
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
$1 Retained Earnings Test
Learn more →GS
$5.60
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$26.00B
Δ Market Cap
+$145.60B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
KR
$1.87
created per $1 retained over 3 years
Value Creator
Σ Retained
$4.71B
Δ Market Cap
+$8.80B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Discounted Cash Flow (DCF) Analysis
Learn more →GS
65.1% Margin of Safety
Price is 65.1% below estimated fair value
Current Price: $809.50
Strongly undervalued
Fairly valued
Strongly overvalued
Fair Value: $2319.70
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
KR
9.3% Margin of Safety
Price is 9.3% below estimated fair value
Current Price: $73.76
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $81.32
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →GS
Requires positive FCF to compute implied growth rate.
KR
What growth rate is the market pricing in at $74?
+7.3%
Market-Implied FCF Growth Rate
Market pricing in significantly higher growth than history — aggressive.
Economic Moat Score
Learn more →GS
26/100
No Moat
70+ Wide · 40-69 Narrow · <40 None
No durable moat detected, though reinvestment efficiency shows some competitive positioning. The business lacks consistent evidence of sustainable advantages.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
KR
71/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None
Wide moat driven primarily by revenue predictability. ROIC Consistency is the area most vulnerable to competitive pressure.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 5 years of fundamental data.
Forensic Accounting
Learn more →GS
-2.00
Possible Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
KR
-2.90
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Ownership Breakdown
Learn more →GS
Insiders 0.5%Institutions 75.7%Retail & Other 23.8%
No. of Institutional Holders3,730
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
KR
Insiders 9.1%Institutions 81.6%Retail & Other 9.3%
No. of Institutional Holders1,815
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.
Insider Buying Activity
Learn more →GS
0
Buys (3M)
1
Buys (12M)
Total value (12M): $2.00M
HESS JOHN B JR.
Director
$2.00M
@ $511.68 · 2025-04-15
JOHNSON KEVIN RONALD
Director
$1.49M
@ $619.02 · 2025-01-17
FLAHERTY MARK A
Director
$29,545
@ $360.30 · 2024-09-27
Open market purchases · includes direct & indirect ownership · excludes option exercises
KR
0
Buys (3M)
0
Buys (12M)
No open market insider purchases found.
Open market purchases · includes direct & indirect ownership · excludes option exercises
Open market purchases · includes direct & indirect ownership · excludes option exercises.
Insider Selling Activity
Learn more →GS
6
Sells (3M)
11
Sells (12M)
Total value (12M): $59.99M
COLEMAN DENIS P.
Chief Financial Officer
$10.94M
@ $941.57 · 2026-02-09
SOLOMON DAVID M
Chief Executive Officer
$255,387
@ $938.92 · 2026-01-29
HALIO CAREY
Officer
$2.64M
@ $927.17 · 2026-01-27
FREDMAN SHEARA J.
Officer
$4.49M
@ $923.75 · 2026-01-23
RUEMMLER KATHRYN H
General Counsel
$8.89M
@ $927.51 · 2026-01-23
HALIO CAREY
Officer
$1.62M
@ $920.62 · 2026-01-23
WALDRON JOHN E.
President
$13.69M
@ $750.30 · 2025-08-28
COLEMAN DENIS P.
Chief Financial Officer
$5.41M
@ $724.40 · 2025-07-25
ROGERS JOHN F W
Officer
$4.31M
@ $717.39 · 2025-07-23
SOLOMON DAVID M
Chief Executive Officer
$4.71M
@ $712.31 · 2025-07-23
SOLOMON DAVID M
Chief Executive Officer
$3.04M
@ $607.17 · 2025-05-14
SOLOMON DAVID M
Chief Executive Officer
$1.50M
@ $622.15 · 2025-02-26
GOLTEN ALEXANDER SIMON
Officer
$3.31M
@ $636.25 · 2025-01-28
HALIO CAREY
Officer and Treasurer
$2.32M
@ $636.74 · 2025-01-24
FREDMAN SHEARA J.
Officer
$1.28M
@ $627.01 · 2025-01-21
RUEMMLER KATHRYN H
General Counsel
$4.76M
@ $634.69 · 2025-01-21
HALIO CAREY
Officer
$965,120
@ $624.67 · 2025-01-21
VINIAR DAVID A
Director
$3.06M
@ $612.08 · 2024-11-29
SOLOMON DAVID M
Chief Executive Officer
$4.00M
@ $610.91 · 2024-11-29
FREDMAN SHEARA J.
Officer
$1.77M
@ $594.51 · 2024-11-06
COLEMAN DENIS P.
Chief Financial Officer
$7.67M
@ $593.03 · 2024-11-06
ROGERS JOHN F W
Officer
$3.83M
@ $596.36 · 2024-11-06
SOLOMON DAVID M
Chief Executive Officer
$3.00M
@ $500.29 · 2024-08-15
VINIAR DAVID A
Director
$2.51M
@ $502.43 · 2024-07-16
SOLOMON DAVID M
Chief Executive Officer
$3.02M
@ $457.32 · 2024-05-10
VINIAR DAVID A
Director
$2.16M
@ $432.25 · 2024-04-29
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
KR
0
Sells (3M)
16
Sells (12M)
Total value (12M): $27.44M
MOORE CLYDE R
Director
$272,834
@ $71.61 · 2025-07-16
MOORE CLYDE R
Director
$1.89M
@ $70.50 · 2025-07-11
ADCOCK MARY ELLEN
Officer
$2.44M
@ $71.16 · 2025-06-27
ARREAGA GABRIEL
Officer
$2.75M
@ $72.44 · 2025-06-25
MASSA TIMOTHY A
Officer
$622,710
@ $74.00 · 2025-06-23
COSSET YAEL
Officer
$5.23M
@ $73.49 · 2025-06-23
FIKE CARIN L
Officer and Treasurer
$1.22M
@ $73.79 · 2025-06-23
WHEATLEY CHRISTINE STRICK
Officer
$2.16M
@ $72.07 · 2025-04-23
MASSA TIMOTHY A
Officer
$1.65M
@ $73.00 · 2025-04-22
COSSET YAEL
Officer
$2.19M
@ $73.00 · 2025-04-22
ARREAGA GABRIEL
Officer
$995,866
@ $71.82 · 2025-04-21
NICHOLS BRIAN W
Officer
$72,030
@ $72.03 · 2025-04-21
FOLEY TODD A
Officer
$989,442
@ $70.67 · 2025-04-17
JABBAR VALERIE L
Officer
$2.16M
@ $69.08 · 2025-04-16
WHEATLEY CHRISTINE STRICK
Officer
$2.08M
@ $69.44 · 2025-04-04
KIMBALL KENNETH C.
Officer
$719,081
@ $65.37 · 2025-03-21
ARREAGA GABRIEL
Officer
$1.05M
@ $65.63 · 2025-03-19
NICHOLS BRIAN W
Officer
$94,933
@ $65.88 · 2025-03-17
COSSET YAEL
Chief Technology Officer
$1.17M
@ $66.19 · 2025-03-17
COSSET YAEL
Chief Technology Officer
$691,190
@ $65.76 · 2025-03-14
NICHOLS BRIAN W
Officer
$86,723
@ $66.71 · 2025-03-13
MASSA TIMOTHY A
Officer
$1.97M
@ $66.56 · 2025-03-13
ADCOCK MARY ELLEN
Officer
$6.90M
@ $66.39 · 2025-03-13
COSSET YAEL
Chief Investment Officer
$7.84M
@ $68.08 · 2025-03-10
FOLEY TODD A
Chief Financial Officer
$1.87M
@ $66.62 · 2025-03-07
FOLEY TODD A
Chief Financial Officer
$1.04M
@ $61.44 · 2024-12-19
AITKEN STUART W
Officer
$8.38M
@ $63.18 · 2024-12-12
COSSET YAEL
Chief Technology Officer
$1.17M
@ $58.39 · 2024-12-10
COSSET YAEL
Chief Technology Officer
$1.76M
@ $58.54 · 2024-12-09
MASSA TIMOTHY A
Officer
$1.56M
@ $60.12 · 2024-12-06
NICHOLS BRIAN W
Officer
$386,248
@ $55.80 · 2024-10-07
JABBAR VALERIE L
Officer
$167,730
@ $55.91 · 2024-09-23
NICHOLS BRIAN W
Officer
$222,800
@ $55.70 · 2024-09-17
FIKE CARIN L
Officer and Treasurer
$167,269
@ $55.57 · 2024-09-17
NICHOLS BRIAN W
Officer
$109,060
@ $54.53 · 2024-07-19
FOLEY TODD A
Chief Financial Officer
$368,467
@ $55.69 · 2024-04-26
KIMBALL KENNETH C.
Officer
$1.69M
@ $55.98 · 2024-04-25
JABBAR VALERIE L
Officer
$832,800
@ $55.52 · 2024-04-23
MASSA TIMOTHY A
Officer
$1.71M
@ $57.18 · 2024-04-23
ADCOCK MARY ELLEN
Officer
$4.61M
@ $55.61 · 2024-04-23
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.
🎭 Mr. Market's Mood
Learn more →GS
😐Neutral(48/100)
"Market is pricing this stock without strong emotion in either direction"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
KR
😏Greed(64/100)
"Market is optimistic — be cautious and ensure you have a margin of safety"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
⚖️ Buffett Signal
Learn more →GS
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Neutral (48)
KR
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Greed (64)