The Goldman Sachs Group, Inc. (GS) vs Uber Technologies, Inc. (UBER) Stock Comparison

Compare Stocks › GS vs UBER

The Goldman Sachs Group, Inc.

$809.50

UBER

Uber Technologies, Inc.

$75.34

Rewards

★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.

UBER

★Free cash flow has grown at a 192.5% CAGR over the past 4 years, demonstrating strong earnings power growth.
★Each dollar of retained earnings has created $5.48 of market value — management is an exceptional capital allocator.
★Management has timed buybacks well — 2 out of 2 years showed value-accretive repurchases.

Risks

⚠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.

UBER

⚠FCF yield of 6.2% suggests reasonable valuation assuming continued moderate growth.

Key Valuation Metrics

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UBER

Valuation

N/A

Free Cash Flow

$9.76B

N/A

FCF Yield

6.24%

15.77

Trailing P/E

15.93

12.45

Forward P/E

17.56

Quality & Moat

2.06%

ROIC

12.57%

13.00%

ROE

35.80%

82.88%

Gross Margin

38.50%

0.91

PEG Ratio

N/A

Balance Sheet Safety

5.96

Debt / Equity

0.44

N/A

Interest Coverage

N/A

Net Debt / EBITDA

0.74

2.22%

Dividend Yield

N/A

GS: 2Ties: 2UBER: 3

GSUBER

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.

UBER

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

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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

UBER

$5.48

created per $1 retained over 3 years

Exceptional Value Creator

Σ Retained

$21.80B

Δ Market Cap

+$119.37B

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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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

UBER

78.2% Margin of Safety

Price is 78.2% below estimated fair value

Current Price: $75.34

Strongly undervalued

Fairly valued

Strongly overvalued

Fair Value: $345.37

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.

UBER

What growth rate is the market pricing in at $75?

+4.7%

Market-Implied Owner Earnings Growth

Standard FCF implies +5.1%

The market implies +4.7% Owner Earnings growth, below historical trends — potential opportunity.

Standard FCF implies a more demanding +5.1%, reflecting heavy growth investment expected to generate future returns.

Economic Moat Score

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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.

UBER

47/100

Narrow Moat

70+ Wide · 40-69 Narrow · <40 None

Narrow moat with revenue predictability as the key competitive advantage. Improving margin stability would strengthen the moat.

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.

UBER

-2.29

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 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.

UBER

Insiders 0.5%Institutions 85.9%Retail & Other 13.7%

No. of Institutional Holders3,359

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)

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

UBER

Buys (3M)

Buys (12M)

Total value (12M): $1.60M

KRISHNAMURTHY BALAJI

Chief Financial Officer

$1.60M

@ $71.25 · 2026-02-24

MAHENDRA-RAJAH PRASHANTH

Chief Financial Officer

$465.00

@ $93.00 · 2025-10-14

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): $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

UBER

Sells (3M)

Sells (12M)

Total value (12M): $65.74M

KRISHNAMURTHY TANYA NICHOLE

Officer

$2.23M

@ $74.45 · 2026-03-16

WEST, TONY

Officer

$251,125

@ $80.36 · 2025-12-18

WEST, TONY

Officer

$287,812

@ $92.10 · 2025-11-18

MAHENDRA-RAJAH PRASHANTH

Chief Financial Officer

$519,234

@ $94.41 · 2025-11-12

WEST, TONY

Officer

$290,625

@ $93.00 · 2025-10-20

KHOSROWSHAHI DARA

Chief Executive Officer

$15.07M

@ $100.48 · 2025-09-22

WEST, TONY

Officer

$10.04M

@ $100.38 · 2025-09-22

WEST, TONY

Officer

$293,562

@ $93.94 · 2025-09-18

MAHENDRA-RAJAH PRASHANTH

Chief Financial Officer

$273,405

@ $99.42 · 2025-09-16

KHOSROWSHAHI DARA

Chief Executive Officer

$28.61M

@ $95.37 · 2025-09-12

WEST, TONY

Officer

$296,875

@ $95.00 · 2025-08-26

HAZELBAKER JILL

Officer

$3.01M

@ $96.42 · 2025-08-22

KRISHNAMURTHY TANYA NICHOLE

Officer

$1.06M

@ $91.74 · 2025-08-15

MAHENDRA-RAJAH PRASHANTH

Chief Financial Officer

$261,250

@ $95.00 · 2025-07-07

HAZELBAKER JILL

Officer

$3.00M

@ $86.03 · 2025-05-12

MAHENDRA-RAJAH PRASHANTH

Chief Financial Officer

$233,750

@ $85.00 · 2025-05-05

MAHENDRA-RAJAH PRASHANTH

Chief Financial Officer

$206,250

@ $75.00 · 2025-03-20

WEST, TONY

Officer

$3.31M

@ $70.59 · 2025-03-14

KRISHNAMURTHY TANYA NICHOLE

Officer

$1.43M

@ $71.57 · 2025-03-14

HAZELBAKER JILL

Officer

$2.51M

@ $81.02 · 2025-02-18

HAZELBAKER JILL

Officer

$2.03M

@ $72.90 · 2024-11-25

HAZELBAKER JILL

Officer

$2.88M

@ $72.00 · 2024-09-16

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

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😐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.

UBER

😐Neutral(45/100)

"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: Neutral (48)

UBER

⚪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 (45)

View GS Full Analysis View UBER Full Analysis