GS · Verdict
Mixed arguments
A summary of rules, not a profit forecast — don’t buy just because of a green verdict.
🟡 Quality- ▲ Share count down 11% in 3 y — buybacks grow your stake
- ▲ ROE 18% — high return on equity
- ▲ Net margin rose: 23.8% → 29.5%
- ▼ Debt / equity 3.09 — heavy debt load
- ▼ Free cash flow often negative
🟢 Growth- ▲ Earnings per share grows 15.7% per year (3 y)
- ▲ Analysts raised the earnings forecast by +1.2% in 90 days
🔴 Trend- ▼ Over 6 mo weaker than its sector (XLF) by 12%
- ▼ Price below SMA200 — long-term downtrend
- ▼ SMA50 below SMA200 — trend down
🔴 Risk · context, does not vote- ▼ Volatility 32% per year — much higher than the market (13%)
🟢 Sentiment- ▲ Consensus of 21 analysts — buy
- ▲ Mean analyst target +15% from the current price
- ▲ Insiders buying over 6 mo
🟢 Market · context, does not vote- ▲ S&P 500 above SMA200 — the market is in an uptrend
- ▲ Sector (XLF) above SMA200 — in an uptrend
The PWA verdict uses less data than the full version: without the history of multiples and peers, F-score, Altman, interest coverage, dividend streak and expected earnings move.