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 2026-06-19, GS is undervalued at $1097, with a DCF intrinsic value of $2507 and a margin of safety of 56%. REGN is undervalued at $610, with an intrinsic value of $1572 and a margin of safety of 61%. Of the two, REGN has the wider margin of safety.

The Goldman Sachs Group, Inc.

$1096.56

REGN

Regeneron Pharmaceuticals, Inc.

$609.94

Rewards

★Gross margin of 82.3% 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.
★Trailing P/E of 14.9x is 22% below the historical average of 19.2x — potentially undervalued relative to its own history.
★Altman Z-Score of 7.56 indicates very low bankruptcy risk — the company is firmly in the safe zone.

Risks

⚠Trailing P/E of 20.0x is 36% above the historical average of 14.7x — the stock trades at a premium to its own history.
⚠Altman Z-Score of 0.25 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
⚠7 insider sales totaling $35.6M with no purchases in the past 3 months — insiders are reducing their exposure.

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.
⚠FCF yield of 5.1% suggests reasonable valuation assuming continued moderate growth.

Key Valuation Metrics

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REGN

Valuation

N/A

Free Cash Flow

$3.27B

N/A

FCF Yield

5.12%

20.03

Trailing P/E

14.90

16.71

Forward P/E

11.34

Quality & Moat

1.95%

ROIC

7.13%

14.55%

ROE

14.55%

82.27%

Gross Margin

43.89%

1.68

PEG Ratio

1.07

Balance Sheet Safety

Net cash

Net Debt / Equity

Net cash

N/A

Interest Coverage

N/A

Net Debt / EBITDA

-1.38

1.65%

Dividend Yield

0.61%

GS: 3Ties: 2REGN: 4

GSREGN

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. The dashed forward point is the forward P/E — today's price ÷ analyst consensus EPS.

REGN

$1 Retained Earnings Test

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$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

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56.3% Margin of Safety

Price is 56.3% below estimated fair value

Current Price: $1096.56

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

Fair Value: $2506.96

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

REGN

61.2% Margin of Safety

Price is 61.2% below estimated fair value

Current Price: $609.94

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

Fair Value: $1572.11

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

Reverse DCF — Market-Implied Growth

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Requires positive FCF to compute implied growth rate.

REGN

What growth rate is the market pricing in at $610?

+1.6%

Market-Implied Owner Earnings Growth

Standard FCF implies +6.0%

The market implies +1.6% Owner Earnings growth, roughly in line with history — reasonably priced.

Standard FCF implies +6.0%, reflecting ongoing growth investment.

Economic Moat Score

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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

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-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

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Insiders 0.5%Institutions 74.6%Retail & Other 24.8%

No. of Institutional Holders3,780

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 2.0%Institutions 92.3%Retail & Other 5.6%

No. of Institutional Holders1,990

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

Insider Buying Activity

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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

FLAHERTY MARK A

Director

$29,545

@ $360.30 · 2024-09-27

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

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Sells (3M)

Sells (12M)

Total value (12M): $92.56M

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

SOLOMON DAVID M

Chief Executive Officer

$4.71M

@ $712.31 · 2025-07-23

ROGERS JOHN F W

Officer

$4.31M

@ $717.39 · 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

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

REGN

Sells (3M)

Sells (12M)

Total value (12M): $9.47M

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

RYAN ARTHUR F

Director

$77,853

@ $778.53 · 2026-02-09

PITOFSKY JASON

Officer

$1.59M

@ $778.52 · 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

MCCOURT MARION E

Officer

$844,610

@ $844.61 · 2024-11-01

RYAN ARTHUR F

Director

$104,878

@ $1048.78 · 2024-10-01

MCCOURT MARION E

Officer

$1.05M

@ $1054.06 · 2024-10-01

RYAN ARTHUR F

Director

$117,868

@ $1178.68 · 2024-09-03

MCCOURT MARION E

Officer

$1.18M

@ $1178.73 · 2024-09-03

POON CHRISTINE A

Director

$12.55M

@ $1158.17 · 2024-08-15

BASSLER BONNIE L

Director

$884,520

@ $1170.00 · 2024-08-15

MURPHY ANDREW J

Officer

$7.34M

@ $1153.15 · 2024-08-14

STAHL NEIL E

Officer

$5.64M

@ $1084.54 · 2024-08-08

PITOFSKY JASON

Officer

$521,090

@ $1070.00 · 2024-08-07

BASSLER BONNIE L

Director

$842,940

@ $1115.00 · 2024-08-02

RYAN ARTHUR F

Director

$107,467

@ $1085.53 · 2024-08-01

RYAN ARTHUR F

Director

$1,100

@ $1100.00 · 2024-08-01

MCCOURT MARION E

Officer

$1.21M

@ $1060.86 · 2024-08-01

LAROSA JOSEPH J

General Counsel

$2.03M

@ $1088.95 · 2024-07-11

RYAN ARTHUR F

Director

$105,924

@ $1059.24 · 2024-07-01

MCCOURT MARION E

Officer

$1.19M

@ $1047.11 · 2024-07-01

BASSLER BONNIE L

Director

$802,872

@ $1062.00 · 2024-06-24

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 →

😏Greed(66/100)

"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.

REGN

😐Neutral(43/100)

"Market is pricing this stock without strong emotion in either direction"

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

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⚪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 (66)

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: Neutral (43)

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, REGN trades at a 61.2% margin of safety (intrinsic value $1572 vs. price $610), compared to GS's 56.3% margin of safety (intrinsic $2507 vs. $1097).

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 7.1% ROIC versus GS's 1.9%. 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.