GS vs. WSE: Goldman Sachs vs. Wise Stock Comparison
How do Goldman Sachs (GS) and Wise (WSE) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Goldman Sachs (GS) and Wise (WSE) both fall under the Financial Services industry group, but GS is classified in Capital Markets while WSE is classified in Financial Services.
Goldman Sachs (GS) has been public since May 4, 1999, giving it decades of market history across multiple cycles, while Wise (WSE) listed only on May 11, 2026 and lacks comparable through-cycle data.
| Profile Item | GS | WSE |
|---|---|---|
| Name | The Goldman Sachs Group, Inc. | Wise Group plc |
| Country/Region | United States | United Kingdom |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Capital Markets | Financial Services |
| GICS Sub-Industry | Investment Banking & Brokerage | Transaction & Payment Processing Services |
| Market Capitalization | 249.73 billion USD | 10.76 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | May 4, 1999 | May 11, 2026 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | GS | WSE |
|---|---|---|
| Total Return (1Y) | 17.85% | -- |
| Total Return (3Y, Annualized) | 44.69% | -- |
| Total Return (5Y, Annualized) | 20.41% | -- |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | GS | WSE |
|---|---|---|
| Volatility (1Y, Annualized) | 33.28% | 44.06% |
| Beta (5Y) | 1.27 | 1.56 |
| Max Drawdown (5Y) | -30.90% | -32.47% |
| Avg. Volume (3M) | 2.10M | 1.74M |
Risk-Adjusted Performance
Risk-Return Positioning
Both GS and WSE need 1-year volatility and 1-year return to plot risk-return positioning.
Risk-Adjusted Metrics
| Metric | GS | WSE |
|---|---|---|
| Sharpe Ratio (1Y) | 0.41 | -- |
| Sortino Ratio (1Y) | 0.59 | -- |
Profitability
ROE (TTM)
Wise (WSE) at 27.23% sits in the top ROE quartile, while Goldman Sachs (GS) at 17.71% is closer to the peer norm — stronger capital efficiency for WSE.
GS
Financial Services industry group
17.71%
- Max
- 44.78%
- Q3
- 21.85%
- GS
- 17.71%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
WSE
Financial Services industry group
27.23%
- Max
- 44.78%
- WSE
- 27.23%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Goldman Sachs (GS) at 31.21% retains a top-quartile share of revenue as profit, ahead of Wise (WSE) at 19.93%, which keeps about the industry-typical share.
GS
Financial Services industry group
31.21%
- Max
- 62.84%
- GS
- 31.21%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
WSE
Financial Services industry group
19.93%
- Max
- 62.84%
- Q3
- 28.05%
- WSE
- 19.93%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Wise (WSE) at 59.77% operates in the top operating margin quartile, ahead of Goldman Sachs (GS) at 38.37%, which runs around its industry’s norm.
GS
Financial Services industry group
38.37%
- Max
- 107.33%
- Q3
- 55.90%
- GS
- 38.37%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
WSE
Financial Services industry group
59.77%
- Max
- 107.33%
- WSE
- 59.77%
- Q3
- 55.90%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | GS | WSE |
|---|---|---|
| ROE (TTM) | 17.71% | 27.23% |
| ROA (TTM) | 1.11% | 2.41% |
| Net Margin (TTM) | 31.21% | 19.93% |
| Operating Margin (TTM) | 38.37% | 59.77% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Goldman Sachs (GS) at 8.92% and Wise (WSE) at 17.14% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Both Goldman Sachs (GS) at 26.59% and Wise (WSE) at -5.78% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | GS | WSE |
|---|---|---|
| Revenue Growth (YoY) | 8.92% | 17.14% |
| Revenue Growth (3Y CAGR) | 7.16% | 30.26% |
| EPS Growth (YoY) | 26.59% | -5.78% |
| EPS Growth (3Y CAGR) | 19.52% | 52.89% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Goldman Sachs (GS) in Financial Services and Wise (WSE) in Financial Services both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: Goldman Sachs (GS) in Financial Services and Wise (WSE) in Financial Services run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | GS | WSE |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Wise (WSE) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Goldman Sachs (GS) reports a yield of 2.07%, ranking against industry peers normally.
GS
Financial Services industry group
2.07%
- Max
- 9.77%
- Q3
- 3.92%
- GS
- 2.07%
- Median
- 1.09%
- Q1
- 0.00%
- Min
- 0.00%
WSE
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- WSE
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Wise (WSE) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Goldman Sachs (GS) reports a payout of 25.88%, ranking against industry peers normally.
GS
Financial Services industry group
25.88%
- Max
- 241.07%
- Q3
- 97.36%
- GS
- 25.88%
- Median
- 25.77%
- Q1
- 0.00%
- Min
- 0.00%
WSE
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- WSE
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | GS | WSE |
|---|---|---|
| Dividend Yield (TTM) | 2.07% | 0.00% |
| Dividend Payout Ratio (TTM) | 25.88% | 0.00% |
Valuation
P/E Ratio (TTM)
Both Goldman Sachs (GS) at 12.45 and Wise (WSE) at 23.23 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
GS
Financial Services industry group
12.45
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- GS
- 12.45
- Q1
- 9.68
- Min
- 0.16
WSE
Financial Services industry group
23.23
- Max
- 45.85
- Q3
- 24.64
- WSE
- 23.23
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
On P/S ratio, both Goldman Sachs (GS) at 3.52 and Wise (WSE) at 4.30 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
GS
Financial Services industry group
3.52
- Max
- 9.23
- Q3
- 4.57
- GS
- 3.52
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
WSE
Financial Services industry group
4.30
- Max
- 9.23
- Q3
- 4.57
- WSE
- 4.30
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
Goldman Sachs (GS) at 2.36 is valued about in line with its industry on P/B ratio, while Wise (WSE) at 5.94 carries an above-peer premium to book — WSE is pricier on assets.
GS
Financial Services industry group
2.36
- Max
- 7.79
- Q3
- 3.63
- GS
- 2.36
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
WSE
Financial Services industry group
5.94
- Max
- 7.79
- WSE
- 5.94
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | GS | WSE |
|---|---|---|
| P/E Ratio (TTM) | 12.45 | 23.23 |
| P/S Ratio (TTM) | 3.52 | 4.30 |
| P/B Ratio (MRQ) | 2.36 | 5.94 |
| Free Cash Flow Yield (TTM) | -- | -- |