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Goldman Sachs (GS) vs. Visa (V)

This page compares Goldman Sachs (GS) with Visa (V) using performance and risk, profitability, financial strength, growth, dividends, and valuation metrics.

Company Profile

Goldman Sachs (GS) and Visa (V) both fall under the Financial Services industry group, but GS is classified in Capital Markets while V is classified in Financial Services.

SymbolGSV
NameThe Goldman Sachs Group, Inc.Visa Inc. Class A
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupFinancial ServicesFinancial Services
GICS IndustryCapital MarketsFinancial Services
GICS Sub-IndustryInvestment Banking & BrokerageTransaction & Payment Processing Services
Market Capitalization322.33 billion USD608.90 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateMay 4, 1999March 19, 2008
Security TypeCommon StockCommon Stock

Valuation

Price-to-Earnings Ratio (TTM)

Goldman Sachs (GS) at 19.96 carries typical industry Price-to-Earnings Ratio (TTM), while Visa (V) at 27.94 sits in the higher-multiple quartile — V carries a higher trailing earnings multiple relative to peers.

GS

Financial Services industry group

19.96

Max
46.27
Q3
24.92
Median
14.24
Q1
8.77
Min
0.63

V

Financial Services industry group

27.94

Max
46.27
Q3
24.92
Median
14.24
Q1
8.77
Min
0.63
Goldman Sachs (GS) vs. Visa (V): A comparison of their Price-to-Earnings Ratio (TTM) against the Financial Services industry group benchmark.

Price-to-Sales Ratio (TTM)

Both look expensive on sales: Goldman Sachs (GS) at 5.24 sits in the upper Price-to-Sales Ratio (TTM) quartile, and Visa (V) at 14.15 prices even higher, above its industry range.

GS

Financial Services industry group

5.24

Max
9.23
Q3
4.77
Median
2.85
Q1
1.44
Min
-1.11

V

Financial Services industry group

14.15

Max
9.23
Q3
4.77
Median
2.85
Q1
1.44
Min
-1.11
Goldman Sachs (GS) vs. Visa (V): A comparison of their Price-to-Sales Ratio (TTM) against the Financial Services industry group benchmark.

Price-to-Book Ratio (MRQ)

Goldman Sachs (GS) at 3.07 sits near its industry’s typical Price-to-Book Ratio (MRQ), while Visa (V) at 17.18 prices above its benchmark range — V looks rich relative to book.

GS

Financial Services industry group

3.07

Max
6.87
Q3
3.29
Median
1.60
Q1
0.89
Min
0.00

V

Financial Services industry group

17.18

Max
6.87
Q3
3.29
Median
1.60
Q1
0.89
Min
0.00
Goldman Sachs (GS) vs. Visa (V): A comparison of their Price-to-Book Ratio (MRQ) against the Financial Services industry group benchmark.

Valuation at a Glance

SymbolGSV
Price-to-Earnings Ratio (TTM)19.9627.94
Price-to-Sales Ratio (TTM)5.2414.15
Price-to-Book Ratio (MRQ)3.0717.18
Free Cash Flow Yield--3.42%

Profitability

Return on Equity (TTM)

Visa (V) posts Return on Equity (TTM) of 60.35%, above its industry benchmark range, while Goldman Sachs (GS) at 14.55% sits closer to the industry mid-range.

GS

Financial Services industry group

14.55%

Max
42.17%
Q3
21.43%
Median
12.16%
Q1
4.99%
Min
-18.74%

V

Financial Services industry group

60.35%

Max
42.17%
Q3
21.43%
Median
12.16%
Q1
4.99%
Min
-18.74%
Goldman Sachs (GS) vs. Visa (V): A comparison of their Return on Equity (TTM) against the Financial Services industry group benchmark.

Net Profit Margin (TTM)

Visa (V) at 51.68% retains a top-quartile share of revenue as profit, ahead of Goldman Sachs (GS) at 29.36%, which keeps about the industry-typical share.

GS

Financial Services industry group

29.36%

Max
66.55%
Q3
30.45%
Median
16.58%
Q1
4.45%
Min
-26.88%

V

Financial Services industry group

51.68%

Max
66.55%
Q3
30.45%
Median
16.58%
Q1
4.45%
Min
-26.88%
Goldman Sachs (GS) vs. Visa (V): A comparison of their Net Profit Margin (TTM) against the Financial Services industry group benchmark.

Operating Profit Margin (TTM)

Visa (V) at 67.35% operates in the top Operating Profit Margin (TTM) quartile, ahead of Goldman Sachs (GS) at 38.60%, which runs around its industry’s norm.

GS

Financial Services industry group

38.60%

Max
95.95%
Q3
50.68%
Median
27.45%
Q1
12.07%
Min
-36.26%

V

Financial Services industry group

67.35%

Max
95.95%
Q3
50.68%
Median
27.45%
Q1
12.07%
Min
-36.26%
Goldman Sachs (GS) vs. Visa (V): A comparison of their Operating Profit Margin (TTM) against the Financial Services industry group benchmark.

Profitability at a Glance

SymbolGSV
Return on Equity (TTM)14.55%60.35%
Return on Assets (TTM)0.94%19.19%
Net Profit Margin (TTM)29.36%51.68%
Operating Profit Margin (TTM)38.60%67.35%
Gross Profit Margin (TTM)82.27%97.78%

Growth

Revenue Growth

Goldman Sachs (GS) vs. Visa (V): A comparison of their Revenue Growth across different time periods.

Revenue Growth at a Glance

SymbolGSV
1-Year Revenue Growth8.92%11.34%
3-Year Revenue CAGR7.16%10.92%

EPS Growth

Goldman Sachs (GS) vs. Visa (V): A comparison of their EPS Growth across different time periods.

EPS Growth at a Glance

SymbolGSV
1-Year EPS Growth26.59%4.83%
3-Year EPS CAGR19.52%13.37%

Financial Strength

Current Ratio (MRQ)

Current Ratio (MRQ) isn’t a meaningful figure for either Goldman Sachs (GS) in Financial Services or Visa (V) in Financial Services under our convention.

GS

Financial Services industry group

1.50

Max
8.56
Q3
4.36
Median
1.85
Q1
1.11
Min
0.05

V

Financial Services industry group

1.09

Max
8.56
Q3
4.36
Median
1.85
Q1
1.11
Min
0.05
Goldman Sachs (GS) vs. Visa (V): A comparison of their Current Ratio (MRQ) against the Financial Services industry group benchmark.

Debt-to-Equity Ratio (MRQ)

Debt-to-Equity Ratio (MRQ) isn’t a meaningful figure for either Goldman Sachs (GS) in Financial Services or Visa (V) in Financial Services under our convention.

GS

Financial Services industry group

6.79

Max
6.26
Q3
2.76
Median
1.19
Q1
0.35
Min
0.00

V

Financial Services industry group

0.67

Max
6.26
Q3
2.76
Median
1.19
Q1
0.35
Min
0.00
Goldman Sachs (GS) vs. Visa (V): A comparison of their Debt-to-Equity Ratio (MRQ) against the Financial Services industry group benchmark.

Financial Strength at a Glance

SymbolGSV
Current Ratio (MRQ)1.501.09
Debt-to-Equity Ratio (MRQ)6.790.67
Net Debt / EBITDA--0.33

Dividends

Dividend Yield (TTM)

Both Goldman Sachs (GS) at 1.65% and Visa (V) at 0.84% report Dividend Yield (TTM) near their industry mid-ranges, so neither company stands out strongly from peers on cash yield relative to share price.

GS

Financial Services industry group

1.65%

Max
19.24%
Q3
8.24%
Median
1.97%
Q1
0.00%
Min
0.00%

V

Financial Services industry group

0.84%

Max
19.24%
Q3
8.24%
Median
1.97%
Q1
0.00%
Min
0.00%
Goldman Sachs (GS) vs. Visa (V): A comparison of their Dividend Yield (TTM) against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

Both Goldman Sachs (GS) at 28.31% and Visa (V) at 21.97% maintain Dividend Payout Ratio (TTM) around their industries’ median — balanced dividend policy on both sides, returning cash while leaving part of reported earnings available for reinvestment or balance-sheet flexibility.

GS

Financial Services industry group

28.31%

Max
228.57%
Q3
95.89%
Median
25.17%
Q1
0.00%
Min
0.00%

V

Financial Services industry group

21.97%

Max
228.57%
Q3
95.89%
Median
25.17%
Q1
0.00%
Min
0.00%
Goldman Sachs (GS) vs. Visa (V): A comparison of their Dividend Payout Ratio (TTM) against the Financial Services industry group benchmark.

Dividends at a Glance

SymbolGSV
Dividend Yield (TTM)1.65%0.84%
Dividend Payout Ratio (TTM)28.31%21.97%

Performance & Risk

GS
V
Loading price history…
Goldman Sachs (GS) vs. Visa (V): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Performance & Risk at a Glance

SymbolGSV
1-Year Return86.01%-12.31%
1-Year Volatility27.68%22.29%
Beta1.290.77
3-Month Avg. Volume2.12M7.46M