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ZYBERNO

Stock Report

Updated Sep 2, 2026

The Goldman Sachs Group, Inc. (GSCE)

Financial Services • OTC

$25.00

Professional Investment Analysis

ZYBERNO SCORE →

Is it a great business? Is it getting better?

28.0/100

POOR BUSINESS

The Goldman Sachs Group, Inc. (GSCE) scores 28/100 — concerning metrics indicating significant structural or financial risks.

📊 How is the Zyberno Score calculated? +

The Zyberno Score answers one question: "Is this a quality business worth owning?" It's a 0-100 investment grade that evaluates business fundamentals across four critical dimensions, based on principles from Warren Buffett, Benjamin Graham, Peter Lynch, and Charlie Munger.

The 4 Core Categories (25 points each):

1. PROFITABILITY (25 pts)

Metrics: ROE, ROIC, Net Margin, Operating Margin
Thresholds: ROE >20% excellent • ROIC >20% excellent • Net Margin >20% excellent • Operating Margin >25% excellent

2. FINANCIAL STRENGTH (25 pts)

Metrics: Debt-to-Equity, Current Ratio, Interest Coverage, Altman Z-Score
Thresholds: D/E <0.3 excellent • Current Ratio >2.5 excellent • Interest Coverage >10x excellent • Altman Z >3.0 safe

3. CASH FLOW QUALITY (25 pts)

Metrics: Free Cash Flow, OCF vs Net Income, FCF Margin
Thresholds: Positive & growing FCF excellent • OCF/NI >1.2x excellent (cash earnings exceed accounting)

4. GROWTH & CONSISTENCY (25 pts)

Metrics: Revenue Growth, Net Income Growth, FCF Growth, Piotroski F-Score
Thresholds: Growth via log-linear regression • Piotroski 8-9 excellent, 6-7 good

Score Interpretation:

75-100

GREAT BUSINESS

65-74

GOOD BUSINESS

50-64

AVERAGE BUSINESS

30-49

WEAK BUSINESS

0-29

POOR BUSINESS

→ View full GSCE quality analysis & detailed breakdown

VALUATION SIGNAL

MARGIN OF SAFETY

Is this stock cheap or expensive relative to what the business has historically generated for owners?

Margin of Safety unavailable — insufficient data for the owner-earnings DCF.

BRINA GAP ↗

Is the market underestimating or overestimating what this business is capable of going forward?

-11.6%

Market Overestimates

💰 How is Margin of Safety calculated? +

Margin of Safety measures how much discount or premium you're paying relative to a stock's intrinsic value. It's Benjamin Graham's core principle: the larger the margin, the lower your downside risk.

Formula: (Intrinsic Value − Current Price) ÷ Intrinsic Value × 100%

How We Calculate Intrinsic Value (DCF Method):

Step 1: Calculate current Owner Earnings (OCF − Maintenance CapEx)

Step 2: Calculate company-specific growth rate using log-linear regression on 16 quarters of Owner Earnings

Step 3: Project 10 years forward using the calculated growth rate

Step 4: Discount each year's cash flow to present value using 10% discount rate

Step 5: Calculate terminal value using 3% perpetual growth rate

Step 6: Sum all discounted cash flows = Intrinsic Value

What The Percentages Mean:

+50% or more

EXCELLENT — Very undervalued

+25% to +50%

GOOD — Attractive discount

0% to +25%

FAIR — Reasonable value

0% to -25%

CAUTION — Slight premium

-25% or worse

POOR — Overvalued

"Price is what you pay, value is what you get." — Warren Buffett

→ View full GSCE valuation analysis · → View full GSCE Brina Gap analysis

📈 How is Brina Gap calculated? +

Brina Gap measures the difference between the growth a business can fundamentally sustain and the growth the market is already pricing in.

Formula: Fundamental Growth Rate − Market-Implied Growth Rate

The Two Components:

Fundamental Growth Rate = ROIC × Reinvestment Rate

What the business can sustainably grow at based on how much it reinvests and what return it earns on that capital. Grounded in historical financials.

Market-Implied Growth Rate = Reverse DCF

The growth rate the current Enterprise Value implicitly assumes. Calculated by back-solving a 10-year DCF model (10% WACC, 3% terminal growth) until the present value of projected cash flows equals EV.

What The Gap Means:

Gap > +5% Market Underestimates — potential upside

+2% to +5% Slight Underestimate

-2% to +2% Fairly Priced — market consensus matches fundamentals

-5% to -2% Slight Overestimate

Gap < -5% Market Overestimates — price embeds optimism fundamentals don't support

A positive gap (market underestimates) combined with a positive Margin of Safety is the strongest combined signal — the business is both cheap historically and forward economics are stronger than the price suggests.

Critical Financial Health Indicators

Return on Equity (Profitability):GOOD (17.0%)

Debt-to-Equity (Solvency Risk):CRITICAL (3.58x)

Operating Margin (Operational Efficiency):EXCELLENT (39.7%)

Return on Capital (Capital Efficiency):POOR (5.4%)

📊 Valuation Trilogy

Three interconnected metrics for complete valuation analysis

Click any metric for full methodology and detailed analysis

Zyberno's Verdict

The Goldman Sachs Group, Inc. (GSCE) stock report — Zyberno Score 28/100 (POOR BUSINESS). Full financial analysis on Zyberno.

According to Zyberno's DCF model, The Goldman Sachs Group, Inc. (GSCE) shows a Brina Gap of -11.6%, which weakens the case: based on the company's ROIC (5.4%) and reinvestment rate (-0.6%), the business can fundamentally grow at 0.0% — but the current enterprise value implies the market expects 11.6%.

Over the trailing twelve months, GSCE generated -$41.82B in Owner Earnings. Capital was deployed as follows: $5.00B returned via share buybacks, $5.75B paid as dividends, $2.29B invested in capital expenditures. Reinvestment rate: -0.6%.

DIVISION I: EXECUTIVE SUMMARY

A. Market Valuation

Market Price & Capitalization (2)

Current Price:25.00

Market Cap:$305.15B

Valuation Multiples (4)

P/E Ratio:

0.39x

📊 Click to view full GSCE P/E analysis →

P/B Ratio:2.49x

P/S Ratio:4.61x

Peg Ratio:0.01x

Enterprise Metrics (2)

Enterprise Value:$556.13B

Ev Ebitda Ratio:19.61x

Price Action & Momentum (2)

12-1 Momentum:

-19.4%

📈 Click to view full GSCE Momentum analysis →

% of 52-Week High:2.2%

B. Profitability Assessment

Return Metrics (7)

ROE:

17.0%

📊 Click to view full GSCE ROE analysis →

ROA:1.1%

Roic:

5.4%

📊 Click to view full GSCE ROIC analysis →

Reinvestment Rate:-0.6%

Fundamental Growth Rate (g):0.0%

Market-Implied Growth Rate:11.6%

Brina Gap:

-11.6%

☷ Click to view full GSCE Brina Gap analysis →

Margin Analysis (3)

Operating Margin Ttm:39.7%

Net Margin Ttm:31.7%

Ebitda Margin:42.8%

TTM Performance (2)

Operating Margin Ttm:39.7%

Net Margin Ttm:31.7%

Yield Metrics (2)

Earnings Yield:$259.28

Dividend Yield:1.9%

C. Log-Linear Regression Growth Trends

Earnings Surprise (SUE) (3)

Earnings Surprise (SUE):

+2.20

📊 Click to view full GSCE Earnings Surprise analysis →

EPS Surprise vs Expected:88.9%

Latest Earnings Filed:2026-08-03

Revenue Growth (Linear) (1)

Revenue Growth Rate (Linear):13.2%

Earnings Growth (Linear) (1)

Net Income Growth Rate (Linear):37.1%

Cash Flow Growth (Linear) (2)

Free Cash Flow Growth Rate (Linear):-33.7%

Operating Cash Flow Growth Rate (Linear):-32.0%

Operating Growth (Linear) (1)

Operating Income Growth Rate (Linear):37.6%

D. Financial Stability

Liquidity Ratios (3)

Current Ratio:0.01x

Quick Ratio:0.01x

Cash Ratio:0.34x

Leverage Analysis (3)

Debt To Equity Ttm:3.58x

Debt-to-Equity Ratio:3.58x

Debt To Ebitda:15.45x

Coverage Ratios (2)

Interest Coverage Ratio:0.32x

Times Interest Earned:0.32

Capital Structure (4)

Working Capital:-550,745,000,000.00

Cash And Cash Equivalents:187,266,000,000.00

Long Term Debt:$437.87B

Net Debt:$250.98B

DIVISION II: FINANCIAL STATEMENTS ANALYSIS

A. Income Statement Analysis

Revenue Components (2)

Revenue TTM: $66.20B

Linear Growth: 13.2%

📊 Click to view full GSCE Revenue analysis & methodology →

Cost Of Revenue Ttm:$0.00

Profitability Breakdown (2)

$0.00

Operating income TTM: $26.30B

Linear Growth: 37.6%

📊 Click to view full GSCE Operating Income analysis & methodology →

Bottom Line Performance (3)

Net income TTM: $20.97B

Linear Growth: 37.1%

📊 Click to view full GSCE Net Income analysis & methodology →

Income Before Tax:$26.30B

Ebitda Ttm:28,358,000,000.00

Operating Expenses (5)

Operating Expenses:41,274,000,000.00

R And D Expense:0.00

Sga Expense:0.00

Income Tax Expense:$5.32B

Interest Expense:68,816,000,000.00

Expense Ratios (3)

R And D To Revenue Percentage:0.0%

Sga To Revenue Percentage:0.0%

Ebitda Margin:42.8%

B. Balance Sheet Analysis

Asset Composition (5)

Total Assets:$2.13T

Current Assets:$7.21B

Ppe Net:7,474,000,000.00

Goodwill:7,342,000,000.00

Intangible Assets:$1.93B

Liability Structure (4)

Total Liabilities:2,004,969,000,000.00

Current Liabilities:557,955,000,000.00

Long Term Debt:$437.87B

Short Term Debt:$372.00M

Equity & Capital (3)

Equity:$122.74B

Retained Earnings:$174.35B

Common Stock:4,000,000,000.00

Working Capital Items (3)

Accounts Receivable:0.00

Inventory:0.00

Accounts Payable:0.00

Special Items (2)

Contract Liabilities:183,000,000.00

Stock Based Compensation:2,530,000,000.00

C. Cash Flow Analysis

Operating Activities (2)

Operating cash flow TTM: -$39.79B

Linear Growth: -32.0%

Free cash flow TTM: -$42.08B

Linear Growth: -33.7%

📊 Click to view full GSCE Free Cash Flow analysis & methodology →

Investment Activities (2)

Investing Cash Flow:-$56.31B

Capital Expenditures Ttm:2,289,000,000.00

Financing Activities (3)

Financing Cash Flow:$104.29B

Dividends Paid Ttm:5,750,000,000.00

Stock Repurchase:5,000,000,000.00

Capital Transactions (3)

Common Stock Issuance:0.00

Long Term Debt Issuance:$0.00

Long Term Debt Repayments:$0.00

Non-Cash Items (1)

Depreciation Amortization Ttm:2,062,000,000.00

DIVISION III: OPERATIONAL METRICS

A. Per Share Analysis

Earnings Per Share (3)

EPS (Basic TTM):55.44

Eps diluted TTM: $64.82

Linear Growth: 44.7%

📊 Click to view full GSCE EPS analysis & methodology →

Earnings Per Share Ttm:$1.72

Revenue & Cash Per Share (2)

Sales Per Share Ttm:5.42

Operating Cash Flow Per Share:-$3.70

Book Value & Capital (2)

Book Value Per Share:$10.06

Cash Per Share:15.34

Dividend Policy (1)

Dividend Payout Ratio:30.30x

B. Operational Efficiency

Asset Utilization (2)

Asset Turnover Ttm:0.03x

Working Capital Turnover Ttm:-999.00x

Receivables Management (2)

Receivables Turnover Ttm:-999.00x

Days Sales Outstanding Ttm:-999.00

Inventory Management (2)

Inventory Turnover Ttm:-999.00x

Days Inventory Outstanding Ttm:-999.00

Payables & Cash Cycle (2)

Days Payable Outstanding:-999.00

Cash Conversion Cycle:-999.00

C. Quality & Risk Metrics

Financial Quality Scores (2)

Financial Strength Score:20.00

Quality Score:50.00

Market Metrics (2)

Beta:0.00x

Volatility Category:unknown

DIVISION IV: INVESTMENT ANALYSIS

A. Value Investment Framework

Owner Earnings Analysis (1)

-$41.82B

Damodaran Growth Analysis (4)

Reinvestment Rate:-0.6%

Fundamental Growth Rate (g):0.0%

Market-Implied Growth Rate:11.6%

Brina Gap:

-11.6%

☷ Click to view full GSCE Brina Gap analysis →

B. Log-Linear Regression Growth Analysis

Growth Rates (Log-Linear Regression) (3)

Revenue Growth Rate (Linear):13.2%

Net Income Growth Rate (Linear):37.1%

Operating Income Growth Rate (Linear):37.6%

Cash Flow Growth Rates (2)

Free Cash Flow Growth Rate (Linear):-33.7%

Operating Cash Flow Growth Rate (Linear):-32.0%

Other Growth Rates (1)

Book Value Growth Rate (Linear):1.7%

C. Company Profile & Context

Corporate Information (6)

Symbol:GSCE

Company Name:The Goldman Sachs Group, Inc.

Sector:Financial Services

Industry:Investment Services

Exchange:OTC

Country:United States

Market Classification (3)

Market Cap Category:N/A

Price Category:medium

Volume Category:N/A

Share Structure (3)

Shares Outstanding:12.21B

Shares Outstanding Basic:300.10M

Shares Outstanding Diluted:304.90M

Data Processing Info (3)

Processing Version:v3.0

Last Updated:2026-09-02 09:17:32 UTC

Data Timestamp:2026-08-25T03:04:44.566615