Compare Stocks › GS vs MAA
The Goldman Sachs Group, Inc. (GS) vs Mid-America Apartment Communities, Inc. (MAA)
GS
The Goldman Sachs Group, Inc.
$809.50
VS
MAA
Mid-America Apartment Communities, Inc.
$124.51
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.
MAA
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.
MAA
- ⚠FCF yield of 6.2% suggests reasonable valuation assuming continued moderate growth.
- ⚠Net debt/EBITDA of 4.3x indicates heavy leverage — it would take over 4 years of EBITDA to pay off net debt.
- ⚠Altman Z-Score of 1.62 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
Key Valuation Metrics
Learn more →GS
MAA
Valuation
N/A
Free Cash Flow
$927.55M
N/A
FCF Yield
6.21%
15.77
Trailing P/E
32.85
12.45
Forward P/E
32.01
Quality & Moat
2.06%
ROIC
4.40%
13.00%
ROE
7.62%
82.88%
Gross Margin
58.69%
0.91
PEG Ratio
N/A
Balance Sheet Safety
5.96
Debt / Equity
0.93
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
4.32
2.22%
Dividend Yield
4.92%
GS: 4Ties: 1MAA: 3
GSMAA
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.
MAA
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
MAA
N/A
Net losses over 3 years — test not applicable
Company had negative cumulative retained earnings
Σ Retained
$-531.4M
Δ Market Cap
$-1.89B
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
MAA
915.0% Overvalued
Price is 915.0% above estimated fair value
Current Price: $124.51
Strongly undervalued
Strongly overvalued
Fair Value: $12.27
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →GS
Requires positive FCF to compute implied growth rate.
MAA
What growth rate is the market pricing in at $125?
+18.9%
Market-Implied Owner Earnings Growth
Standard FCF implies +8.9%
The market implies +18.9% Owner Earnings growth, above historical trends.
Standard FCF implies a demanding +8.9%, reflecting heavy growth investment.
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.
MAA
49/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None
Narrow moat with revenue predictability as the key competitive advantage. Improving roic consistency would strengthen the moat.
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.
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.
MAA
-2.70
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.
MAA
Insiders 0.7%Institutions 98.1%Retail & Other 1.2%
No. of Institutional Holders1,098
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
MAA
0
Buys (3M)
2
Buys (12M)
Total value (12M): $174,696
HILL ADRIAN
Chief Investment Officer
$99,927
@ $131.83 · 2025-12-12
BOLTON HAROLD ERIC JR.
Chief Executive Officer
$74,769
@ $129.36 · 2025-10-31
SHORB GARY
Director
$13,192
@ $131.92 · 2024-05-31
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
MAA
9
Sells (3M)
19
Sells (12M)
Total value (12M): $2.42M
CARPENTER MELANIE
Officer
$19,572
@ $134.98 · 2026-01-08
ARGO TIMOTHY
Officer
$7,154
@ $134.98 · 2026-01-08
HOLDER AUBREY CLAY
Chief Financial Officer
$9,854
@ $134.99 · 2026-01-08
FAIRBANKS AMBER
Officer
$24,971
@ $134.98 · 2026-01-08
CARPENTER MELANIE
Officer
$39,585
@ $136.50 · 2026-01-06
ARGO TIMOTHY
Officer
$7,917
@ $136.50 · 2026-01-06
HOLDER AUBREY CLAY
Chief Financial Officer
$6,962
@ $136.51 · 2026-01-06
FAIRBANKS AMBER
Officer
$31,804
@ $136.50 · 2026-01-06
DELPRIORE ROBERT J
General Counsel
$750,036
@ $138.23 · 2026-01-02
FAIRBANKS AMBER
Officer
$28,865
@ $166.85 · 2025-05-02
FAIRBANKS AMBER
Officer
$30,052
@ $150.26 · 2025-04-08
CARPENTER MELANIE
Officer
$47,228
@ $149.93 · 2025-04-07
ARGO TIMOTHY
Officer
$6,477
@ $143.93 · 2025-04-07
BOLTON HAROLD ERIC JR.
Chief Executive Officer
$396,265
@ $149.93 · 2025-04-07
DELPRIORE ROBERT J
General Counsel
$191,176
@ $166.24 · 2025-04-03
CARPENTER MELANIE
Officer
$78,465
@ $166.24 · 2025-04-03
ARGO TIMOTHY
Officer
$15,627
@ $166.24 · 2025-04-03
HOLDER AUBREY CLAY
Chief Financial Officer
$4,655
@ $166.25 · 2025-04-03
BOLTON HAROLD ERIC JR.
Chief Executive Officer
$724,474
@ $166.24 · 2025-04-03
CARPENTER MELANIE
Officer
$39,586
@ $126.07 · 2024-04-05
ARGO TIMOTHY
Officer
$8,573
@ $126.07 · 2024-04-05
BOLTON HAROLD ERIC JR.
Chief Executive Officer
$333,077
@ $126.07 · 2024-04-05
CARPENTER MELANIE
Officer
$71,930
@ $126.86 · 2024-04-03
ARGO TIMOTHY
Officer
$12,305
@ $126.86 · 2024-04-03
BOLTON HAROLD ERIC JR.
Chief Executive Officer
$512,641
@ $126.86 · 2024-04-03
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.
MAA
😨Fear(33/100)
"Market is pessimistic — investigate whether fears are temporary or structural"
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)
MAA
⚪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: Fear (33)