WallStSmart

Goldman Sachs Group Inc (GS)vsAltria Group (MO)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Goldman Sachs Group Inc generates 195% more annual revenue ($59.40B vs $20.14B). MO leads profitability with a 34.5% profit margin vs 28.9%. GS appears more attractively valued with a PEG of 1.43. GS earns a higher WallStSmart Score of 73/100 (B).

GS

Strong Buy

73

out of 100

Grade: B

Growth: 8.7Profit: 7.5Value: 10.0Quality: 5.0
Piotroski: 5/9

MO

Hold

47

out of 100

Grade: D+

Growth: 2.0Profit: 8.5Value: 7.3Quality: 6.5
Piotroski: 4/9Altman Z: 2.86
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

GSUndervalued (+52.4%)

Margin of Safety

+52.4%

Fair Value

$1768.48

Current Price

$841.84

$926.64 discount

UndervaluedFair: $1768.48Overvalued
MOSignificantly Overvalued (-135.3%)

Margin of Safety

-135.3%

Fair Value

$28.02

Current Price

$63.78

$35.76 premium

UndervaluedFair: $28.02Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

GS6 strengths · Avg: 8.8/10
Market CapQuality
$250.66B10/10

Mega-cap, among the largest globally

Operating MarginProfitability
38.3%10/10

Strong operational efficiency at 38.3%

Profit MarginProfitability
28.9%9/10

Keeps 29 of every $100 in revenue as profit

P/E RatioValuation
16.3x8/10

Attractively priced relative to earnings

Price/BookValuation
2.4x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
15.2%8/10

15.2% revenue growth

MO6 strengths · Avg: 9.2/10
Profit MarginProfitability
34.5%10/10

Keeps 35 of every $100 in revenue as profit

Operating MarginProfitability
57.1%10/10

Strong operational efficiency at 57.1%

Debt/EquityHealth
-7.3410/10

Conservative balance sheet, low leverage

Market CapQuality
$107.97B9/10

Large-cap with strong market position

P/E RatioValuation
15.6x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$3.18B8/10

Generating 3.2B in free cash flow

Areas to Watch

GS1 concerns · Avg: 2.0/10
Free Cash FlowQuality
$-16.81B2/10

Negative free cash flow — burning cash

MO4 concerns · Avg: 2.8/10
PEG RatioValuation
1.654/10

Expensive relative to growth rate

Return on EquityProfitability
0.0%3/10

ROE of 0.0% — below average capital efficiency

Revenue GrowthGrowth
-0.5%2/10

Revenue declined 0.5%

EPS GrowthGrowth
-62.9%2/10

Earnings declined 62.9%

Comparative Analysis Report

WallStSmart Research

Bull Case : GS

The strongest argument for GS centers on Market Cap, Operating Margin, Profit Margin. Profitability is solid with margins at 28.9% and operating margin at 38.3%. Revenue growth of 15.2% demonstrates continued momentum.

Bull Case : MO

The strongest argument for MO centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 34.5% and operating margin at 57.1%.

Bear Case : GS

The primary concerns for GS are Free Cash Flow.

Bear Case : MO

The primary concerns for MO are PEG Ratio, Return on Equity, Revenue Growth.

Key Dynamics to Monitor

GS profiles as a growth stock while MO is a declining play — different risk/reward profiles.

GS carries more volatility with a beta of 1.34 — expect wider price swings.

GS is growing revenue faster at 15.2% — sustainability is the question.

MO generates stronger free cash flow (3.2B), providing more financial flexibility.

Bottom Line

GS scores higher overall (73/100 vs 47/100), backed by strong 28.9% margins and 15.2% revenue growth. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Goldman Sachs Group Inc

FINANCIAL SERVICES · CAPITAL MARKETS · USA

The Goldman Sachs Group, Inc., is an American multinational investment bank and financial services company headquartered in New York City. It offers services in investment management, securities, asset management, prime brokerage, and securities underwriting. It also provides investment banking to institutional investors.

Altria Group

CONSUMER DEFENSIVE · TOBACCO · USA

Altria Group, Inc. (previously known as Philip Morris Companies, Inc.) is an American corporation and one of the world's largest producers and marketers of tobacco, cigarettes and related products. It operates worldwide and is headquartered in unincorporated Henrico County, Virginia, just outside the city of Richmond.

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