Compare Stocks › GS vs XYZ
The Goldman Sachs Group, Inc. (GS) vs Block, Inc. (XYZ)
GS
The Goldman Sachs Group, Inc.
$809.50
VS
XYZ
Block, Inc.
$58.99
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.
XYZ
- ★Free cash flow has grown at a 681.1% CAGR over the past 4 years, demonstrating strong earnings power growth.
- ★Management has timed buybacks well — 2 out of 3 years showed value-accretive repurchases.
- ★Trailing P/E of 28.1x is 98% below the historical average of 1305.4x — potentially undervalued relative to its own history.
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.
XYZ
- ⚠Each dollar of retained earnings has produced only $0.35 of market value — shareholders may have been better served by dividends.
- ⚠Despite buyback spending, shares outstanding increased in 2 out of 3 years — stock-based compensation is offsetting repurchases.
- ⚠7 insider sales totaling $1.2M with no purchases in the past 3 months — insiders are reducing their exposure.
Key Valuation Metrics
Learn more →GS
XYZ
Valuation
N/A
Free Cash Flow
$-1.03B
N/A
FCF Yield
-2.89%
15.77
Trailing P/E
28.09
12.45
Forward P/E
12.48
Quality & Moat
2.06%
ROIC
4.89%
13.00%
ROE
5.89%
82.88%
Gross Margin
43.06%
0.91
PEG Ratio
N/A
Balance Sheet Safety
5.96
Debt / Equity
0.40
N/A
Interest Coverage
N/A
N/A
Net Debt / EBITDA
0.86
2.22%
Dividend Yield
N/A
GS: 3Ties: 2XYZ: 2
GSXYZ
Historical Fundamentals
Learn more →GS
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
XYZ
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
XYZ
$0.35
created per $1 retained over 3 years
Value Destroyer
Σ Retained
$4.21B
Δ Market Cap
+$1.48B
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
XYZ
61.5% Margin of Safety
Price is 61.5% below estimated fair value
Current Price: $58.99
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $153.29
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →GS
Requires positive FCF to compute implied growth rate.
XYZ
Requires positive FCF to compute implied growth rate.
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.
XYZ
40/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None
Narrow moat with reinvestment efficiency 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.
XYZ
-2.62
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.
XYZ
Insiders 1.3%Institutions 83.5%Retail & Other 15.2%
No. of Institutional Holders1,435
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
XYZ
0
Buys (3M)
0
Buys (12M)
BOTHA ROELOF FREDERICK
Director
$25.00M
@ $57.55 · 2024-08-06
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
XYZ
7
Sells (3M)
57
Sells (12M)
Total value (12M): $20.18M
JENNINGS OWEN BRITTON
Officer
$225,423
@ $63.41 · 2026-03-03
GRASSADONIA BRIAN
Officer
$517,450
@ $50.00 · 2026-02-24
GRASSADONIA BRIAN
Officer
$202,286
@ $66.96 · 2026-01-06
AHUJA AMRITA
Chief Operating Officer
$70,442
@ $63.98 · 2026-01-02
DALE AJMERE SINGH
Officer
$76,354
@ $65.09 · 2026-01-02
JENNINGS OWEN BRITTON
Officer
$52,592
@ $63.98 · 2026-01-02
ESPERANZA CHRISTINEGRACE GANAL
Officer
$21,177
@ $63.98 · 2026-01-02
GRASSADONIA BRIAN
Officer
$897,596
@ $61.71 · 2025-11-24
DALE AJMERE SINGH
Officer
$167,254
@ $61.40 · 2025-11-21
AHUJA AMRITA
Chief Operating Officer
$611,483
@ $61.40 · 2025-11-21
JENNINGS OWEN BRITTON
Officer
$639,604
@ $61.40 · 2025-11-21
WEBER ARNAUD
Officer
$435,633
@ $61.40 · 2025-11-21
ESPERANZA CHRISTINEGRACE GANAL
Officer
$221,531
@ $61.40 · 2025-11-21
DALE AJMERE SINGH
Officer
$60,000
@ $80.00 · 2025-10-08
GRASSADONIA BRIAN
Officer
$2.81M
@ $80.00 · 2025-10-08
AHUJA AMRITA
Chief Operating Officer
$198,871
@ $75.70 · 2025-10-03
GRASSADONIA BRIAN
Officer
$229,104
@ $75.84 · 2025-10-03
DALE AJMERE SINGH
Officer
$93,045
@ $73.26 · 2025-10-02
JENNINGS OWEN BRITTON
Officer
$78,508
@ $74.77 · 2025-10-02
ESPERANZA CHRISTINEGRACE GANAL
Officer
$30,357
@ $74.77 · 2025-10-02
AHUJA AMRITA
Chief Operating Officer
$493,575
@ $75.00 · 2025-09-16
GRASSADONIA BRIAN
Officer
$744,102
@ $76.24 · 2025-09-02
DALE AJMERE SINGH
Officer
$291,556
@ $74.60 · 2025-08-25
AHUJA AMRITA
Chief Operating Officer
$1.20M
@ $73.90 · 2025-08-22
JENNINGS OWEN BRITTON
Officer
$1.39M
@ $73.50 · 2025-08-22
PRASANNA DHANANJAY
Officer
$417,181
@ $73.72 · 2025-08-21
GRASSADONIA BRIAN
Officer
$473,238
@ $73.20 · 2025-08-21
ESPERANZA CHRISTINEGRACE GANAL
Officer
$264,179
@ $73.20 · 2025-08-21
PRASANNA DHANANJAY
Officer
$274,284
@ $76.19 · 2025-08-15
PRASANNA DHANANJAY
Officer
$32,796
@ $81.99 · 2025-08-08
PRASANNA DHANANJAY
Chief Technology Officer
$269,748
@ $74.93 · 2025-08-01
DALE AJMERE SINGH
Officer
$40,000
@ $80.00 · 2025-07-23
PRASANNA DHANANJAY
Officer
$64,000
@ $80.00 · 2025-07-23
AHUJA AMRITA
Chief Operating Officer
$1.29M
@ $78.60 · 2025-07-21
JENNINGS OWEN BRITTON
Officer
$313,850
@ $78.60 · 2025-07-21
PRASANNA DHANANJAY
Officer
$246,568
@ $68.49 · 2025-07-17
DALE AJMERE SINGH
Officer
$25,349
@ $69.26 · 2025-07-02
AHUJA AMRITA
Chief Operating Officer
$93,570
@ $69.26 · 2025-07-02
JENNINGS OWEN BRITTON
Officer
$72,723
@ $69.26 · 2025-07-02
GRASSADONIA BRIAN
Officer
$92,947
@ $69.26 · 2025-07-02
ESPERANZA CHRISTINEGRACE GANAL
Officer
$28,120
@ $69.26 · 2025-07-02
PRASANNA DHANANJAY
Officer
$407,048
@ $67.84 · 2025-07-02
PRASANNA DHANANJAY
Officer
$177,828
@ $63.51 · 2025-06-16
JENNINGS OWEN BRITTON
Officer
$142,025
@ $65.00 · 2025-06-06
PRASANNA DHANANJAY
Officer
$169,568
@ $60.56 · 2025-06-02
PRASANNA DHANANJAY
Officer
$695,039
@ $61.41 · 2025-05-27
JENNINGS OWEN BRITTON
Officer
$852,216
@ $56.30 · 2025-05-22
DALE AJMERE SINGH
Officer
$108,720
@ $56.39 · 2025-05-21
AHUJA AMRITA
Chief Operating Officer
$564,013
@ $56.39 · 2025-05-21
GRASSADONIA BRIAN
Officer
$366,197
@ $56.39 · 2025-05-21
ESPERANZA CHRISTINEGRACE GANAL
Officer
$169,678
@ $56.39 · 2025-05-21
ESPERANZA CHRISTINEGRACE GANAL
Officer
$412,500
@ $55.00 · 2025-05-12
DALE AJMERE SINGH
Officer
$53,874
@ $55.31 · 2025-04-02
AHUJA AMRITA
Chief Operating Officer
$111,031
@ $56.19 · 2025-04-02
JENNINGS OWEN BRITTON
Officer
$70,968
@ $56.19 · 2025-04-02
GRASSADONIA BRIAN
Officer
$105,918
@ $56.19 · 2025-04-02
ESPERANZA CHRISTINEGRACE GANAL
Officer
$20,509
@ $56.19 · 2025-04-02
JENNINGS OWEN BRITTON
Officer
$851,111
@ $69.30 · 2025-02-24
GRASSADONIA BRIAN
Officer
$539,083
@ $69.35 · 2025-02-24
DALE AJMERE SINGH
Officer
$103,159
@ $70.32 · 2025-02-21
AHUJA AMRITA
Chief Operating Officer
$446,180
@ $70.32 · 2025-02-21
ESPERANZA CHRISTINEGRACE GANAL
Officer
$114,411
@ $70.32 · 2025-02-21
GRASSADONIA BRIAN
Officer
$378,855
@ $89.44 · 2025-01-03
DALE AJMERE SINGH
Officer
$177,252
@ $86.72 · 2025-01-02
AHUJA AMRITA
Chief Operating Officer
$129,953
@ $86.52 · 2025-01-02
JENNINGS OWEN BRITTON
Officer
$253,486
@ $89.38 · 2025-01-02
ESPERANZA CHRISTINEGRACE GANAL
Officer
$36,165
@ $86.52 · 2025-01-02
ESPERANZA CHRISTINEGRACE GANAL
Officer
$272,175
@ $95.00 · 2024-12-02
AHUJA AMRITA
Chief Operating Officer
$910,434
@ $91.71 · 2024-11-22
GRASSADONIA BRIAN
Officer
$1.06M
@ $91.49 · 2024-11-22
DALE AJMERE SINGH
Officer
$162,837
@ $91.43 · 2024-11-21
ESPERANZA CHRISTINEGRACE GANAL
Officer
$179,294
@ $91.43 · 2024-11-21
GRASSADONIA BRIAN
Officer
$28,531
@ $83.67 · 2024-11-18
ESPERANZA CHRISTINEGRACE GANAL
Officer
$61,830
@ $90.00 · 2024-11-18
DALE AJMERE SINGH
Officer
$165,000
@ $82.50 · 2024-11-12
ESPERANZA CHRISTINEGRACE GANAL
Officer
$480,135
@ $82.45 · 2024-11-12
ESPERANZA CHRISTINEGRACE GANAL
Officer
$225,600
@ $75.20 · 2024-11-06
AHUJA AMRITA
Chief Operating Officer
$509,202
@ $65.26 · 2024-10-03
GRASSADONIA BRIAN
Officer
$274,613
@ $64.84 · 2024-10-03
DALE AJMERE SINGH
Officer
$77,259
@ $66.09 · 2024-10-02
ESPERANZA CHRISTINEGRACE GANAL
Officer
$33,752
@ $65.41 · 2024-10-02
AHUJA AMRITA
Chief Operating Officer
$643,257
@ $64.80 · 2024-08-22
GRASSADONIA BRIAN
Officer
$753,132
@ $64.84 · 2024-08-22
DALE AJMERE SINGH
Officer
$90,968
@ $64.70 · 2024-08-21
ESPERANZA CHRISTINEGRACE GANAL
Officer
$126,877
@ $64.70 · 2024-08-21
DALE AJMERE SINGH
Officer
$30,940
@ $61.88 · 2024-08-13
ESPERANZA CHRISTINEGRACE GANAL
Officer
$175,000
@ $70.00 · 2024-07-15
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.
XYZ
😨Fear(37/100)
"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)
XYZ
⚪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 (37)