Compare Stocks › GS vs REGN

The Goldman Sachs Group, Inc. (GS) vs Regeneron Pharmaceuticals, Inc. (REGN): Which Is the Better Buy in 2026?

As of 2026-11-02, GS is undervalued at $895, with a DCF intrinsic value of $1584 and a margin of safety of 44%. REGN is overvalued at $928, with an intrinsic value of $730 and a margin of safety of -27%. Of the two, GS has the wider margin of safety.

The Goldman Sachs Group, Inc.

$894.55

REGN

Regeneron Pharmaceuticals, Inc.

$927.89

Rewards

★Gross margin of 81.3% 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 $2.58 of earning power — management is an exceptional capital allocator.

REGN

★Regeneron Pharmaceuticals, Inc. scores 80/100 on the Economic Moat Score (Wide Moat), with revenue predictability as the strongest competitive dimension.
★Altman Z-Score of 7.56 indicates very low bankruptcy risk — the company is firmly in the safe zone.
★Net debt/EBITDA of -1.2x means the company holds more cash than debt — a net cash position.

Risks

⚠Altman Z-Score of 0.25 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
⚠Insiders have sold $12.0M worth of stock in the past 3 months — significant insider liquidation.

REGN

⚠ROIC has declined by 7.3 percentage points over the past 4 years, which may signal competitive erosion.
⚠Each dollar of retained earnings has produced only $0.15 of earning power — shareholders may have been better served by dividends.
⚠Insiders have sold $3.3M worth of stock in the past 3 months — significant insider liquidation.

Key Valuation Metrics

Learn more →

REGN

Valuation

N/A

Free Cash Flow

$3.77B

N/A

FCF Yield

3.92%

12.86

Trailing P/E

20.51

12.07

Forward P/E

13.73

Quality & Moat

2.23%

ROIC

14.92%

17.75%

ROE

14.95%

81.29%

Gross Margin

46.73%

1.12

PEG Ratio

1.58

Balance Sheet Safety

Net cash

Net Debt / Equity

Net cash

N/A

Interest Coverage

N/A

Net Debt / EBITDA

-1.17

2.24%

Dividend Yield

0.41%

GS: 7Ties: 1REGN: 1

GSREGN

Historical Fundamentals

Learn more →

Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

REGN

$1 Retained Earnings Test

Learn more →

$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

REGN

$0.20

created per $1 retained over 3 years

Value Destroyer

Σ Retained

$12.50B

Δ Market Cap

+$2.52B

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 →

43.5% Margin of Safety

Price is 43.5% below estimated fair value

Current Price: $894.55

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

Fair Value: $1584.20

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

REGN

27.0% Overvalued

Price is 27.0% above estimated fair value

Current Price: $927.89

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

Fair Value: $730.41

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

Reverse DCF — Market-Implied Growth

Learn more →

Requires positive FCF to compute implied growth rate.

REGN

What growth rate is the market pricing in at $928?

+7.6%

Market-Implied Owner Earnings Growth

Standard FCF implies +10.0%

The market implies +7.6% Owner Earnings growth, above historical trends.

Standard FCF implies a demanding +10.0%, reflecting heavy growth investment.

Economic Moat Score

Learn more →

65/100

Narrow Moat

70+ Wide · 40-69 Narrow · <40 None

Narrow moat with reinvestment efficiency as the key competitive advantage. Improving margin stability 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.

REGN

80/100

Wide Moat

70+ Wide · 40-69 Narrow · <40 None

Wide moat with strength across all dimensions. Revenue Predictability is the standout factor.

Forensic Accounting

Learn more →

-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.

REGN

-2.51

Unlikely Manipulator

Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone

M-Score Trend

Ownership Breakdown

Learn more →

Insiders 0.6%Institutions 75.7%Retail & Other 23.7%

No. of Institutional Holders3,978

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.

REGN

Insiders 2.1%Institutions 93.2%Retail & Other 4.7%

No. of Institutional Holders1,986

High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.

Insider Buying Activity

Learn more →

Buys (3M)

Buys (12M)

HESS JOHN B JR.

Director

$2.00M

@ $511.68 · 2025-04-15

JOHNSON KEVIN RONALD

Director

$1.49M

@ $619.02 · 2025-01-17

Open market purchases · includes direct & indirect ownership · excludes option exercises

REGN

Buys (3M)

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 →

Sells (3M)

Sells (12M)

Total value (12M): $76.92M

LESLIE ERICKA T

Officer

$229,305

@ $917.22 · 2026-10-28

SOLOMON DAVID M

Chief Executive Officer

$10.93M

@ $910.72 · 2026-10-27

LESLIE ERICKA T

Officer

$222,562

@ $890.25 · 2026-10-22

LESLIE ERICKA T

Officer

$620,280

@ $1033.80 · 2026-08-28

LESLIE ERICKA T

Officer

$184,445

@ $1053.97 · 2026-08-04

LESLIE ERICKA T

Officer

$287,951

@ $1151.80 · 2026-07-15

COLEMAN DENIS P.

Chief Financial Officer

$6.68M

@ $973.55 · 2026-05-14

RUEMMLER KATHRYN H

General Counsel

$13.42M

@ $939.07 · 2026-05-06

FREDMAN SHEARA J.

Officer

$9.57M

@ $929.17 · 2026-05-01

RUEMMLER KATHRYN H

General Counsel

$634,927

@ $929.61 · 2026-05-01

SOLOMON DAVID M

Chief Executive Officer

$3.23M

@ $930.70 · 2026-05-01

GOLTEN ALEXANDER SIMON

Officer

$1.04M

@ $936.18 · 2026-04-23

GOLTEN ALEXANDER SIMON

Officer

$1.02M

@ $919.19 · 2026-04-17

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

SOLOMON DAVID M

Chief Executive Officer

$4.00M

@ $610.91 · 2024-11-29

VINIAR DAVID A

Director

$3.06M

@ $612.08 · 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

Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives

REGN

Sells (3M)

Sells (12M)

Total value (12M): $8.65M

MCCOURT MARION E

Officer

$2.00M

@ $853.56 · 2026-09-03

GUARINI KATHRYN PH.D.

Director

$340,000

@ $850.00 · 2026-09-02

ZOGHBI HUDA Y

Director

$640,000

@ $800.00 · 2026-08-10

GUARINI KATHRYN PH.D.

Director

$320,000

@ $800.00 · 2026-08-10

RYAN ARTHUR F.

Director

$130,030

@ $650.15 · 2026-07-02

RYAN ARTHUR F.

Director

$70,524

@ $705.24 · 2026-05-01

RYAN ARTHUR F.

Director

$77,727

@ $777.27 · 2026-04-01

RYAN ARTHUR F.

Director

$78,550

@ $785.50 · 2026-03-02

ZOGHBI HUDA Y

Director

$1.28M

@ $781.33 · 2026-02-19

PITOFSKY JASON

Officer

$1.59M

@ $778.52 · 2026-02-09

RYAN ARTHUR F.

Director

$77,853

@ $778.53 · 2026-02-09

BASSLER BONNIE L

Director

$1.20M

@ $800.00 · 2026-01-07

BASSLER BONNIE L

Director

$570,000

@ $750.00 · 2025-11-20

PITOFSKY JASON

Officer

$280,766

@ $651.43 · 2025-11-07

POON CHRISTINE A

Director

$4.25M

@ $654.27 · 2025-10-29

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 →

😐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.

REGN

😏Greed(74/100)

"Market is optimistic — be cautious and ensure you have a margin of safety"

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 →

⚪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)

REGN

⚪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 (74)

View GS Full Analysis View REGN Full Analysis

Frequently Asked Questions: GS vs REGN

Is The Goldman Sachs Group, Inc. or Regeneron Pharmaceuticals, Inc. more undervalued in 2026?▼

Based on our discounted cash flow model, GS trades at a 43.5% margin of safety (intrinsic value $1584 vs. price $895), compared to REGN's -27.0% margin of safety (intrinsic $730 vs. $928).

Which stock has a wider economic moat, The Goldman Sachs Group, Inc. or Regeneron Pharmaceuticals, Inc.?▼

REGN scores 80/100 (Wide moat), while GS scores 65/100 (Narrow moat). The moat score measures competitive advantage durability across ROIC consistency, margin stability, revenue predictability, and reinvestment efficiency.

Is The Goldman Sachs Group, Inc. in financial distress?▼

GS's Altman Z-Score of 0.3 places it in the Distress zone, signaling elevated bankruptcy risk. REGN scores 7.6 (Safe zone). The Altman Z-Score is a five-factor model that predicts insolvency within two years; scores below 1.81 indicate significant distress.

Which stock has higher return on invested capital, The Goldman Sachs Group, Inc. or Regeneron Pharmaceuticals, Inc.?▼

REGN earns 14.9% ROIC versus GS's 2.2%. A higher ROIC means the company generates more profit per dollar of capital employed, a hallmark of durable competitive advantage in Buffett-style analysis.

Which dividend is safer, The Goldman Sachs Group, Inc.'s or Regeneron Pharmaceuticals, Inc.'s?▼

REGN's dividend earns a safety score of 85/100 (Very Safe), compared to GS's 79/100 (Safe). REGN has raised its dividend for 0 consecutive years.