WallStSmart

Goldman Sachs Group Inc (GS)vsUp Fintech Holding Ltd (TIGR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Goldman Sachs Group Inc generates 11027% more annual revenue ($67.57B vs $607.24M). GS leads profitability with a 31.0% profit margin vs 18.4%. TIGR trades at a lower P/E of 10.5x. GS earns a higher WallStSmart Score of 83/100 (A-).

GS

Exceptional Buy

83

out of 100

Grade: A-

Growth: 10.0Profit: 8.0Value: 6.3Quality: 3.0
Piotroski: 4/9Altman Z: 0.14

TIGR

Buy

61

out of 100

Grade: C+

Growth: 7.3Profit: 7.0Value: 6.7Quality: 8.0
Piotroski: 6/9Altman Z: 1.46

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

GS6 strengths · Avg: 9.7/10
Market CapQuality
$299.67B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
31.0%10/10

Keeps 31 of every $100 in revenue as profit

Operating MarginProfitability
42.2%10/10

Strong operational efficiency at 42.2%

Revenue GrowthGrowth
42.5%10/10

Revenue surging 42.5% year-over-year

EPS GrowthGrowth
92.3%10/10

Earnings expanding 92.3% YoY

P/E RatioValuation
15.9x8/10

Attractively priced relative to earnings

TIGR5 strengths · Avg: 10.0/10
P/E RatioValuation
10.5x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Operating MarginProfitability
35.3%10/10

Strong operational efficiency at 35.3%

Revenue GrowthGrowth
32.4%10/10

Revenue surging 32.4% year-over-year

Debt/EquityHealth
0.0710/10

Conservative balance sheet, low leverage

Areas to Watch

GS2 concerns · Avg: 1.5/10
Altman Z-ScoreHealth
0.142/10

Distress zone — elevated risk

Debt/EquityHealth
6.041/10

Elevated debt levels

TIGR3 concerns · Avg: 2.3/10
Market CapQuality
$904.62M3/10

Smaller company, higher risk/reward

EPS GrowthGrowth
-33.3%2/10

Earnings declined 33.3%

Altman Z-ScoreHealth
1.462/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : GS

The strongest argument for GS centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 31.0% and operating margin at 42.2%. Revenue growth of 42.5% demonstrates continued momentum.

Bull Case : TIGR

The strongest argument for TIGR centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 18.4% and operating margin at 35.3%. Revenue growth of 32.4% demonstrates continued momentum.

Bear Case : GS

The primary concerns for GS are Altman Z-Score, Debt/Equity. Debt-to-equity of 6.04 is elevated, increasing financial risk.

Bear Case : TIGR

The primary concerns for TIGR are Market Cap, EPS Growth, Altman Z-Score.

Key Dynamics to Monitor

GS carries more volatility with a beta of 1.28 — expect wider price swings.

GS is growing revenue faster at 42.5% — sustainability is the question.

Monitor CAPITAL MARKETS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

GS scores higher overall (83/100 vs 61/100), backed by strong 31.0% margins and 42.5% revenue growth. Both earn "Exceptional Buy" and "Buy" 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.

Up Fintech Holding Ltd

FINANCIAL SERVICES · CAPITAL MARKETS · USA

UP Fintech Holding Limited offers online brokerage services focused on Chinese investors. The company is headquartered in Beijing, China.

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