Compare Stocks › GS vs REGN

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

As of 2026-08-03, GS is undervalued at $1017, with a DCF intrinsic value of $481431875452 and a margin of safety of 100%. REGN is undervalued at $764, with an intrinsic value of $1362 and a margin of safety of 44%. Of the two, GS has the wider margin of safety.

Goldman Sachs Group, Inc. (The)

$1017.40

REGN

Regeneron Pharmaceuticals, Inc.

$763.62

Rewards

★Gross margin of 82.1% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
★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 -1.1x means the company holds more cash than debt — a net cash position.

Risks

⚠Altman Z-Score of 0.16 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
⚠Insiders have sold $20.4M 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.
⚠11 insider sales with no purchases over the past 12 months — a persistent pattern of insider selling.

Key Valuation Metrics

Learn more →

REGN

Valuation

N/A

Free Cash Flow

$3.07B

N/A

FCF Yield

3.90%

15.71

Trailing P/E

18.89

13.79

Forward P/E

12.80

Quality & Moat

2.46%

ROIC

11.80%

16.95%

ROE

14.04%

82.08%

Gross Margin

44.46%

1.45

PEG Ratio

1.34

Balance Sheet Safety

Net cash

Net Debt / Equity

Net cash

N/A

Interest Coverage

N/A

Net Debt / EBITDA

-1.12

1.96%

Dividend Yield

0.49%

GS: 5Ties: 1REGN: 3

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 →

$0.00

created per $1 retained over 3 years

Value Destroyer

Σ Retained

$26.00B

Δ Market Cap

+$535.62

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 →

100.0% Margin of Safety

Price is 100.0% below estimated fair value

Current Price: $1017.40

Strongly undervalued

Fairly valued

Strongly overvalued

Fair Value: $481431875452.18

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

REGN

44.0% Margin of Safety

Price is 44.0% below estimated fair value

Current Price: $763.62

Strongly undervalued

Undervalued

Fairly valued

Overvalued

Strongly overvalued

Fair Value: $1362.39

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 $764?

+4.9%

Market-Implied Owner Earnings Growth

Standard FCF implies +10.1%

The market implies +4.9% Owner Earnings growth, roughly in line with history — reasonably priced.

Standard FCF implies +10.1%, reflecting ongoing 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 0.5%Institutions 74.8%Retail & Other 24.7%

No. of Institutional Holders3,873

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 93.7%Retail & Other 4.2%

No. of Institutional Holders1,936

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

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

Learn more →

Sells (3M)

Sells (12M)

Total value (12M): $78.42M

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

RUEMMLER KATHRYN H

General Counsel

$634,927

@ $929.61 · 2026-05-01

FREDMAN SHEARA J.

Officer

$9.57M

@ $929.17 · 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

RUEMMLER KATHRYN H

General Counsel

$8.89M

@ $927.51 · 2026-01-23

HALIO CAREY

Officer

$1.62M

@ $920.62 · 2026-01-23

FREDMAN SHEARA J.

Officer

$4.49M

@ $923.75 · 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

HALIO CAREY

Officer

$965,120

@ $624.67 · 2025-01-21

FREDMAN SHEARA J.

Officer

$1.28M

@ $627.01 · 2025-01-21

RUEMMLER KATHRYN H

General Counsel

$4.76M

@ $634.69 · 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

ROGERS JOHN F W

Officer

$3.83M

@ $596.36 · 2024-11-06

COLEMAN DENIS P.

Chief Financial Officer

$7.67M

@ $593.03 · 2024-11-06

FREDMAN SHEARA J.

Officer

$1.77M

@ $594.51 · 2024-11-06

SOLOMON DAVID M

Chief Executive Officer

$3.00M

@ $500.29 · 2024-08-15

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

REGN

Sells (3M)

Sells (12M)

Total value (12M): $9.60M

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

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

MCCOURT MARION E

Officer

$1.05M

@ $1054.06 · 2024-10-01

RYAN ARTHUR F.

Director

$104,878

@ $1048.78 · 2024-10-01

MCCOURT MARION E

Officer

$1.18M

@ $1178.73 · 2024-09-03

RYAN ARTHUR F.

Director

$117,868

@ $1178.68 · 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

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(49/100)

"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(67/100)

"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 (49)

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 (67)

View GS Full Analysis View REGN Full Analysis

Frequently Asked Questions: GS vs REGN

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

Based on our discounted cash flow model, GS trades at a 100.0% margin of safety (intrinsic value $481431875452 vs. price $1017), compared to REGN's 44.0% margin of safety (intrinsic $1362 vs. $764).

Which stock has a wider economic moat, Goldman Sachs Group, Inc. (The) 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 Goldman Sachs Group, Inc. (The) in financial distress?▼

GS's Altman Z-Score of 0.2 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, Goldman Sachs Group, Inc. (The) or Regeneron Pharmaceuticals, Inc.?▼

REGN earns 11.8% ROIC versus GS's 2.5%. 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, Goldman Sachs Group, Inc. (The)'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.