Compare Stocks › GS vs PODD
The Goldman Sachs Group, Inc. (GS) vs Insulet Corporation (PODD)
GS
The Goldman Sachs Group, Inc.
$809.50
VS
PODD
Insulet Corporation
$228.63
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.
PODD
- ★Gross margin of 71.6% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
- ★Trailing P/E of 65.7x is 95% below the historical average of 1346.7x — potentially undervalued relative to its own history.
- ★Altman Z-Score of 9.10 indicates very low bankruptcy risk — the company is firmly in the safe zone.
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.
PODD
- ⚠FCF yield of 2.2% is below 3%, meaning the market is pricing in substantial future growth to justify the current price.
- ⚠PEG ratio of 16.85 indicates the stock is expensive relative to its expected growth — the market may be pricing in more growth than analysts project.
Key Valuation Metrics
Learn more →GS
PODD
Valuation
N/A
Free Cash Flow
$349.90M
N/A
FCF Yield
2.17%
15.77
Trailing P/E
65.70
12.45
Forward P/E
28.27
Quality & Moat
2.06%
ROIC
15.86%
13.00%
ROE
16.31%
82.88%
Gross Margin
71.63%
0.91
PEG Ratio
16.85
Balance Sheet Safety
5.96
Debt / Equity
0.66
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
0.51
2.22%
Dividend Yield
N/A
GS: 4Ties: 1PODD: 3
GSPODD
Historical Fundamentals
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Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
PODD
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
PODD
$-0.52
created per $1 retained over 3 years
Market Cap Declined
Σ Retained
$871.7M
Δ Market Cap
$-455.5M
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
PODD
0.5% Overvalued
Price is 0.5% above estimated fair value
Current Price: $228.63
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $227.58
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →GS
Requires positive FCF to compute implied growth rate.
PODD
What growth rate is the market pricing in at $229?
+24.1%
Market-Implied Owner Earnings Growth
Standard FCF implies +19.3%
The market implies +24.1% Owner Earnings growth, below historical trends — potential opportunity.
Standard FCF implies a more demanding +19.3%, reflecting heavy growth investment expected to generate future returns.
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.
PODD
55/100
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 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.
PODD
-2.51
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.
PODD
Insiders 0.3%Institutions 103.0%
No. of Institutional Holders1,220
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
PODD
1
Buys (3M)
2
Buys (12M)
Total value (12M): $799,731
MINOGUE MICHAEL R
Director
$499,847
@ $246.23 · 2026-02-25
STONESIFER TIMOTHY C
Director
$299,884
@ $311.73 · 2025-12-05
CHADWICK ANA MARIA
Chief Financial Officer
$20,600
@ $206.00 · 2024-08-29
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
PODD
0
Sells (3M)
12
Sells (12M)
Total value (12M): $8.95M
FREDERICK WAYNE A.I.
Director
$542,510
@ $293.09 · 2025-12-15
SINGH PREM
Officer
$238,726
@ $347.49 · 2025-09-08
COUSIN LAETITIA
Officer
$278,002
@ $348.81 · 2025-09-08
BENJAMIN ERIC
Officer
$1.42M
@ $332.23 · 2025-08-21
SINGH PREM
Officer
$429,760
@ $320.00 · 2025-08-07
MANEA DANIEL
Officer
$390,065
@ $300.05 · 2025-06-13
SINGH PREM
Officer
$698,216
@ $300.05 · 2025-06-13
BORIO LUCIANA
Director
$147,056
@ $305.73 · 2025-06-09
KAPPLES JOHN W.
General Counsel
$1.68M
@ $318.47 · 2025-05-14
BENJAMIN ERIC
Officer
$960,320
@ $320.00 · 2025-05-13
HOPFIELD JESSICA
Director
$1.66M
@ $317.54 · 2025-05-13
FREDERICK WAYNE A.I.
Director
$501,875
@ $275.00 · 2025-03-25
BENJAMIN ERIC
Officer
$3.47M
@ $280.00 · 2025-01-21
BENJAMIN ERIC
Officer
$1.17M
@ $267.60 · 2024-12-16
BUDDEN LAUREN
Officer
$252,192
@ $275.62 · 2024-12-10
BORIO LUCIANA
Director
$139,598
@ $274.80 · 2024-11-12
HOPFIELD JESSICA
Director
$1.72M
@ $225.26 · 2024-09-11
SCANNELL TIMOTHY J.
Director
$1.13M
@ $225.84 · 2024-09-10
BUDDEN LAUREN
Officer
$333,443
@ $221.41 · 2024-09-09
FIELD MARK N
Chief Technology Officer
$305,463
@ $220.87 · 2024-09-09
SINGH PREM
Officer
$368,940
@ $202.27 · 2024-08-30
FIELD MARK N
Chief Technology Officer
$281,561
@ $203.00 · 2024-08-28
FIELD MARK N
Chief Technology Officer
$299,940
@ $199.96 · 2024-06-14
FIELD MARK N
Chief Technology Officer
$405,806
@ $190.43 · 2024-06-10
SCANNELL TIMOTHY J.
Director
$1.33M
@ $190.51 · 2024-06-10
BORIO LUCIANA
Director
$65,729
@ $182.58 · 2024-06-04
SCANNELL TIMOTHY J.
Director
$596,970
@ $180.90 · 2024-05-28
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.
PODD
😨Fear(28/100)
"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)
PODD
⚪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 (28)