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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 closes
100150200250300350Jan 24Apr 24Jul 24Oct 24Jan 25Apr 25Jul 25Oct 25Jan 26Apr 26Jul 26Oct 26GS 300MS 254SCHW 187
● 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
MeasureGSMSSCHW
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
MeasureGSMSSCHW
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
MeasureGSMSSCHW
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
MeasureGSMSSCHW
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
MeasureGSMSSCHW
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
MeasureGSMSSCHW
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
MeasureGSMSSCHW
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
MeasureGSMSSCHW
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
MeasureGSMSSCHW
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
MeasureGSMSSCHW
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

Dividends & buybacks

9 measures
MeasureGSMSSCHW
Dividend yield 2.0%
85th
2.3%
90th
1.3%
68th
Dividend per share (TTM) $18.00
100th
$4.15
98th
$1.23
72nd
Payout ratio (dividends / net income) 29.2%
69th
33.5%
77th
22.7%
58th
Dividends / FCF n/a n/a n/a
Dividend growth (YoY) 37.3%
80th
6.3%
45th
8.1%
50th
Buyback yield 5.5%
82nd
-0.5%
0th
6.7%
88th
Shareholder yield (dividends + buybacks) 7.8%
75th
1.9%
50th
8.2%
80th
Share count change (YoY) -4.2%
38th
0.0%
50th
-4.3%
35th
Buybacks, last 5 years $0
0th
$0
0th
$21.0B
100th

Scores & forensic checks

15 measures
MeasureGSMSSCHW
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

Per share

7 measures
MeasureGSMSSCHW
EPS, diluted (TTM) $68.79
100th
$12.70
95th
$6.14
80th
Book value per share $402.56
100th
$69.31
92nd
$1.79
10th
Tangible book per share $422.15
98th
$1,093.20
100th
$1.79
20th
Revenue per share $386.81
95th
$79.43
78th
$17.98
55th
FCF per share n/a n/a n/a
Operating cash flow per share n/a n/a n/a
Cash per share n/a n/a n/a

Size (TTM)

8 measures
MeasureGSMSSCHW
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
MeasureGSMSSCHW
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
MeasureGSMSSCHW
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

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For informational purposes only. Not investment advice. Data sourced from SEC filings. Privacy Terms