GS vs MS vs SCHW
161 measures in 16 categories, one definition each, computed from filings and market data.
GS12.8
The Goldman Sachs Group, Inc.
Financial Services · Financial - Capital Markets
$881.26 −1.19%$256.6B mkt cap
Score DNA
MS23.6
Morgan Stanley
Financial Services · Financial - Capital Markets
$180.54 −0.84%$284.8B mkt cap
Score DNA
SCHW70.5
The Charles Schwab Corporation
Financial Services · Financial - Capital Markets
$91.96 −2.34%$159.0B mkt cap
Score DNA
Price, rebased to 100 three years ago
GS MS SCHW · weekly adjusted closesSmart money 8Valuation 16Profitability (TTM) 12Returns on capital 11Growth 17Margin history & stability 7Liquidity (latest quarter) 7Leverage & solvency (latest quarter) 13Efficiency 11Cash flow & earnings quality 7Dividends & buybacks 9Scores & forensic checks 15Per share 7Size (TTM) 8Price performance 9Technicals 4
● marks the highest or lowest value where that direction is plainly stronger (margins, returns, coverage, leverage); multiples and yields are left unmarked. Bars show each stock's percentile within its own industry. n/a: the measure does not apply to lenders and insurers.
Smart money
8 measures| Measure | GS | MS | SCHW |
|---|---|---|---|
| Insider open-market buys, 180d | 0 | 0 | 1 |
| Insider $ bought, 180d | — | — | $1.85M |
| Congress purchases, 180d | 43 | 5 | 4 |
| Last Congress purchase | 2026-09-03 | 2026-07-10 | 2026-09-04 |
| 13F net change in holders | +183 | +240 | −13 |
| ETFs adding shares, 30d | 1,350 | 1,412 | 1,490 |
| ETFs trimming, 30d | 1,258 | 1,135 | 1,264 |
| Net ETF funds, 30d | +92 | +277 | +226 |
Valuation
16 measures| Measure | GS | MS | SCHW |
|---|---|---|---|
| P/E (TTM) | 12.2x
31st
|
14.1x
50th
|
14.9x
54th
|
| PEG (P/E ÷ 3-yr EPS CAGR) | 0.31
50th
|
0.51
67th
|
0.64
75th
|
| Price / sales | 2.2x
46th
|
2.3x
49th
|
5.1x
69th
|
| Price / book | 2.1x
38th
|
2.6x
49th
|
51.3x
100th
|
| Price / tangible book | 2.7x
38th
|
3.8x
49th
|
54.6x
95th
|
| Price / free cash flow | n/a | n/a | n/a |
| Price / operating cash flow | n/a | n/a | n/a |
| Enterprise value | n/a | n/a | n/a |
| EV / sales | n/a | n/a | n/a |
| EV / EBITDA | n/a | n/a | n/a |
| EV / EBIT | n/a | n/a | n/a |
| EV / free cash flow | n/a | n/a | n/a |
| Earnings yield | 8.2%
80th
|
7.1%
68th
|
6.7%
65th
|
| FCF yield | n/a | n/a | n/a |
| Operating cash flow yield | n/a | n/a | n/a |
| Graham number (per share) | $789.33
100th
|
$140.72
92nd
|
$15.73
12th
|
Profitability (TTM)
12 measures| Measure | GS | MS | SCHW |
|---|---|---|---|
| Gross margin | n/a | n/a | n/a |
| EBITDA margin | n/a | n/a | n/a |
| Operating margin | 24.8%
70th
|
20.7%
62nd
|
44.3%
89th
|
| EBIT margin | 24.9%
76th
|
20.7%
68th
|
44.3%
92nd
|
| Net margin | 17.8%
86th
|
16.0%
78th
|
34.2%
92nd
|
| NOPAT margin | 19.8%
70th
|
16.1%
59th
|
34.2%
86th
|
| FCF margin | n/a | n/a | n/a |
| Operating cash flow margin | n/a | n/a | n/a |
| R&D / revenue | 0.0%
0th
|
0.0%
0th
|
0.0%
0th
|
| SG&A / revenue | 23.3%
55th
|
31.2%
61st
|
29.0%
58th
|
| Stock comp / revenue | 2.9%
43rd
|
1.6%
32nd
|
0.9%
24th
|
| Effective tax rate | 20.2%
26th
|
22.1%
77th
|
22.9%
82nd
|
Returns on capital
11 measures| Measure | GS | MS | SCHW |
|---|---|---|---|
| ROE (on average equity) | 17.0%
62nd
|
18.5%
67th
|
40.6%
90th
|
| ROA | 1.1%
42nd
|
1.3%
50th
|
4.5%
75th
|
| ROIC | n/a | n/a | n/a |
| ROCE | n/a | n/a | n/a |
| Return on tangible assets | 1.5%
42nd
|
1.7%
45th
|
5.9%
70th
|
| Cash ROIC (OCF / invested capital) | n/a | n/a | n/a |
| Gross profitability (GP / assets) | n/a | n/a | n/a |
| ROIC, 3-yr average | n/a | n/a | n/a |
| ROIC, 5-yr average | n/a | n/a | n/a |
| ROE, 5-yr average | 12.1%
52nd
|
13.1%
64th
|
81.0%
100th
|
| Incremental ROIC | n/a | n/a | n/a |
Growth
17 measures| Measure | GS | MS | SCHW |
|---|---|---|---|
| Revenue growth (TTM YoY) | -6.8%
9th
|
16.7%
42nd
|
14.7%
36th
|
| Revenue growth (QoQ) | 123.1%
97th
|
4.0%
54th
|
-4.1%
33rd
|
| Revenue CAGR, 3 yr | 9.1%
16th
|
17.9%
28th
|
6.9%
8th
|
| Revenue CAGR, 5 yr | 13.8%
54th
|
18.4%
62nd
|
11.1%
46th
|
| Gross profit CAGR, 3 yr | n/a | n/a | n/a |
| Operating income CAGR, 3 yr | 38.5%
75th
|
27.1%
56th
|
21.1%
38th
|
| Net income growth (TTM YoY) | 34.8%
43rd
|
37.1%
48th
|
29.3%
33rd
|
| Net income CAGR, 3 yr | 33.3%
53rd
|
26.3%
33rd
|
21.1%
27th
|
| EPS growth (TTM YoY) | 40.7%
62nd
|
37.1%
52nd
|
35.1%
43rd
|
| EPS CAGR, 3 yr | 39.2%
60th
|
27.9%
47th
|
23.3%
33rd
|
| EPS CAGR, 5 yr | 3.9%
50th
|
11.2%
62nd
|
16.6%
75th
|
| FCF growth (TTM YoY) | n/a | n/a | n/a |
| FCF CAGR, 3 yr | n/a | n/a | n/a |
| Operating cash flow CAGR, 3 yr | n/a | n/a | n/a |
| Book value CAGR, 3 yr | 6.3%
48th
|
4.5%
40th
|
-55.8%
0th
|
| Dividend CAGR, 3 yr | 14.4%
89th
|
3.3%
72nd
|
2.9%
67th
|
| Sustainable growth rate | 12.0%
32nd
|
12.3%
36th
|
31.3%
92nd
|
Margin history & stability
7 measures| Measure | GS | MS | SCHW |
|---|---|---|---|
| Gross margin, 3-yr average | n/a | n/a | n/a |
| Operating margin, 3-yr average | 17.4%
59th
|
17.5%
63rd
|
36.3%
85th
|
| Net margin, 3-yr average | 13.1%
74th
|
13.4%
78th
|
28.2%
89th
|
| FCF margin, 3-yr average | n/a | n/a | n/a |
| Revenue stability (0-1) | 0.83
54th
|
0.99
100th
|
0.93
86th
|
| Earnings stability (0-1) | 0.00
0th
|
0.28
46th
|
0.58
75th
|
| Margin stability (0-1) | 0.65
39th
|
0.73
57th
|
0.89
75th
|
Liquidity (latest quarter)
7 measures| Measure | GS | MS | SCHW |
|---|---|---|---|
| Cash & short-term investments | n/a | n/a | n/a |
| Net cash (− = net debt) | n/a | n/a | n/a |
| Working capital | n/a | n/a | n/a |
| Current ratio | n/a | n/a | n/a |
| Quick ratio | n/a | n/a | n/a |
| Cash ratio (cash + ST investments / current liabilities) | n/a | n/a | n/a |
| Defensive interval (days) | n/a | n/a | n/a |
Leverage & solvency (latest quarter)
13 measures| Measure | GS | MS | SCHW |
|---|---|---|---|
| Total debt | n/a | n/a | n/a |
| Debt / equity | n/a | n/a | n/a |
| Net debt / equity | n/a | n/a | n/a |
| Debt / assets | n/a | n/a | n/a |
| Debt / capital | n/a | n/a | n/a |
| Debt / EBITDA | n/a | n/a | n/a |
| Net debt / EBITDA | n/a | n/a | n/a |
| Interest coverage (EBIT / interest) | n/a | n/a | n/a |
| Cash interest coverage | n/a | n/a | n/a |
| Debt payback (years of OCF) | n/a | n/a | n/a |
| Liabilities / assets | 94.2%
90th
|
93.3%
88th
|
24.5%
12th
|
| IS credit model rating | BBB- | A- | AAA |
| Implied credit spread (bps) | 350
57th
|
175
45th
|
50
0th
|
Efficiency
11 measures| Measure | GS | MS | SCHW |
|---|---|---|---|
| Asset turnover | n/a | n/a | n/a |
| Fixed asset turnover | n/a | n/a | n/a |
| Inventory turnover | n/a | n/a | n/a |
| Receivables turnover | n/a | n/a | n/a |
| Days sales outstanding | n/a | n/a | n/a |
| Days inventory outstanding | n/a | n/a | n/a |
| Days payables outstanding | n/a | n/a | n/a |
| Cash conversion cycle (days) | n/a | n/a | n/a |
| Capex / revenue | n/a | n/a | n/a |
| Capex / depreciation | n/a | n/a | n/a |
| Operating expense ratio | n/a | n/a | n/a |
Cash flow & earnings quality
7 measures| Measure | GS | MS | SCHW |
|---|---|---|---|
| Operating cash flow / net income | n/a | n/a | n/a |
| FCF / net income | n/a | n/a | n/a |
| FCF / operating cash flow | n/a | n/a | n/a |
| Capex / operating cash flow | n/a | n/a | n/a |
| Accruals ratio | n/a | n/a | n/a |
| Sloan accruals ratio | n/a | n/a | n/a |
| Earnings quality score (0-1) | n/a | n/a | n/a |
Scores & forensic checks
15 measures| Measure | GS | MS | SCHW |
|---|---|---|---|
| IS score | 13
8th
|
24
20th
|
70
85th
|
| IS profitability | 62
72nd
|
60
68th
|
85
95th
|
| IS growth | 52
24th
|
71
62nd
|
72
68th
|
| IS value | 69
70th
|
58
57th
|
61
68th
|
| IS momentum | 0
0th
|
30
15th
|
72
62nd
|
| IS risk (safety) | 80
48th
|
100
60th
|
100
60th
|
| IS quality | 0
0th
|
18
5th
|
76
88th
|
| IS balance sheet | 47
42nd
|
49
45th
|
84
90th
|
| IS earnings quality | 34
8th
|
35
15th
|
52
50th
|
| IS cash flow | 18
5th
|
18
5th
|
62
67th
|
| Piotroski F-score (0-9) | 5
45th
|
7
75th
|
7
75th
|
| Altman Z-score | — | — | — |
| Beneish M-score | — | — | — |
| Ohlson O-score | −7.00
28th
|
−7.35
21st
|
−26.40
0th
|
| IS credit score | 53
42nd
|
68
52nd
|
96
95th
|
Size (TTM)
8 measures| Measure | GS | MS | SCHW |
|---|---|---|---|
| Market cap | $256.6B
98th
|
$284.8B
100th
|
$159.0B
95th
|
| Revenue | $117.9B
95th
|
$126.5B
98th
|
$31.2B
90th
|
| EBITDA | $31.4B
100th
|
$30.5B
98th
|
$15.2B
95th
|
| Net income | $21.0B
100th
|
$20.2B
98th
|
$10.6B
95th
|
| Free cash flow | n/a | n/a | n/a |
| Total assets | $2.13T
100th
|
$1.68T
98th
|
$4.1B
40th
|
| Shareholders' equity | $122.7B
100th
|
$110.4B
98th
|
$3.1B
75th
|
| Employees | 47,400
98th
|
83,000
100th
|
33,700
95th
|
Price performance
9 measures| Measure | GS | MS | SCHW |
|---|---|---|---|
| 1 day | −1.2% | −0.8% | −2.3% |
| 1 week | −1.6% | −5.0% | −4.9% |
| 1 month | −7.4% | −11.3% | −12.1% |
| 3 months | −16.5% | −13.9% | −10.1% |
| 6 months | −4.9% | −3.3% | +0.3% |
| Year to date | −3.2% | +0.9% | −8.6% |
| 1 year | +15.2% | +13.5% | −1.3% |
| 3 years, cumulative | +196.5% | +150.9% | +84.6% |
| 5 years, cumulative | +149.4% | +111.6% | +27.1% |
Technicals
4 measures| Measure | GS | MS | SCHW |
|---|---|---|---|
| RSI 14 | 34.1 | 25.4 | 27.8 |
| From 52-week high | −23.7% | −21.8% | −19.7% |
| From 52-week low | +19.6% | +19.5% | +9.9% |
| Beta | 1.28 | 1.21 | 0.78 |
InsiderStreet reports findings from filings and market data. A comparison is not a recommendation to buy or sell either stock.Every figure is computed in code · data as of 2026-10-17