GOLDMAN SACHS GROUP INC (GS) Earnings History

GOLDMAN SACHS GROUP INC - Q4 FY2025 Earnings

Filed at: Jan 15, 2026, 7:42 AM EST|Read from source

EXECUTIVE SUMMARY

Goldman Sachs reported a strong full-year 2025 with significant revenue growth driven by Global Banking & Markets, despite a notable drag from Platform Solutions. The firm also saw a substantial increase in EPS and a dividend raise, indicating positive financial performance and shareholder returns.

POSITIVE HIGHLIGHTS

  • •

    Full Year 2025 Net Revenues increased 9% to $58.28 billion.

    positive
  • •

    Full Year 2025 Net Earnings increased to $17.18 billion.

    positive
  • •

    Diluted EPS for Full Year 2025 was $51.32, up from $40.54 in 2024.

    positive
  • •

    Quarterly Dividend increased to $4.50 per common share.

    positive
  • •

    Global Banking & Markets net revenues increased 18% for the full year and 22% for Q4.

    positive
  • •

    Asset & Wealth Management net revenues increased 2% for the full year and 7% for Q4.

    positive
  • •

    Return on average common shareholders' equity (ROE) was 15.0% for 2025 and annualized 16.0% for Q4 2025.

    positive
  • •

    Book value per common share increased by 6.2% during 2025.

    positive

CONCERNS & RISKS

  • •

    Platform Solutions net revenues were significantly lower, down 93% for the full year and negative $(1.68) billion in Q4 due to markdowns on the Apple Card portfolio.

    negative
  • •

    Q4 2025 Net Revenues were 3% lower than Q4 2024 and 11% lower than Q3 2025.

    attention
  • •

    Investments net revenues in Asset & Wealth Management decreased by 50% for the full year.

    negative
  • •

    Operating expenses were 11% higher for the full year and 18% higher for Q4 compared to the prior year.

    attention

FINANCIAL METRICS

Revenue
Quarterly
$13.45B
-3.0%
Prior year: $13.87B
Annual (YTD)
$58.28B
N/A
Prior year: $53.51B
Net Income
Quarterly
$4.62B
N/A
Annual (YTD)
$17.18B
N/A
EPS (Diluted)
Quarterly
$14.01
+17.2%
Prior year: $11.95
Annual (YTD)
$51.32
N/A
Prior year: $40.54
Operating Income
Quarterly
N/A
N/A
EPS (Basic)
Quarterly
N/A
N/A

MARGIN ANALYSIS

Margin metrics will be available once backend extracts data from insights_json

REVENUE BY SEGMENT — Q4 FY2025 2025

VISUAL OVERVIEW

|
GLOBAL BANKING & MARKETS(4 segments)
71.1%
$41453000.0B
(+18.0% YoY)
Prior year: $35067000.0B
ASSET & WEALTH MANAGEMENT(4 segments)
28.6%
$16679000.0B
(+2.0% YoY)
Prior year: $16316000.0B
PLATFORM SOLUTIONS
0.3%
$151000.0B
(-93.0% YoY)
Prior year: $2129000.0B

DETAILED BREAKDOWN

|
SegmentCurrentPrior YrYoY% Total
GLOBAL BANKING & MARKETS
$41453000.0B$35067000.0B+18.0%71.1%
ASSET & WEALTH MANAGEMENT
$16679000.0B$16316000.0B+2.0%28.6%
PLATFORM SOLUTIONS
$151000.0B$2129000.0B-93.0%0.3%
Total Revenue$58283000.0B——100.0%

Segment performance shows business unit health and growth drivers.

SPECIAL ITEMS & ADJUSTMENTS

Q4 2025
Reduction in net revenues from markdowns on the outstanding credit card portfolio related to the transfer of the Apple Card loans to held for sale and contract termination obligations.
This was partially offset by a related reserve reduction in provision for credit losses.
$2,260M
FY 2025
Reduction in net revenues from markdowns on the outstanding credit card portfolio related to the transfer of the Apple Card loans to held for sale and contract termination obligations.
This was partially offset by a related reserve reduction in provision for credit losses.
$2,260M
FY 2025
Net benefit related to the Apple Card portfolio in provision for credit losses, including a reserve reduction.
Partially offset by net charge-offs during the year.
+$2,480M
Q4 2025
Net benefit related to the Apple Card portfolio in provision for credit losses, including a reserve reduction.
Partially offset by net charge-offs during the quarter.
+$2,480M
FY 2025
Tax benefits on the settlement of employee share-based awards.
Increased diluted EPS by $1.95 and ROE by 0.5 percentage points.
+$620M
$1.95 per share
Total Impact
+$1,060M$1.95 per share

Special items are non-recurring events that may distort period-over-period comparisons. Analysts typically adjust for these when calculating normalized earnings.

MANAGEMENT COMMENTARY

The firm returned $16.78 billion of capital to common shareholders in 2025, including $12.36 billion of common share repurchases.

— GOLDMAN SACHS GROUP INC, Q4 FY2025 2025 Earnings Call

Global core liquid assets averaged $466 billion for 2025.

— GOLDMAN SACHS GROUP INC, Q4 FY2025 2025 Earnings Call

The Board of Directors increased the quarterly dividend to $4.50 per common share.

— GOLDMAN SACHS GROUP INC, Q4 FY2025 2025 Earnings Call

Commentary excerpts from earnings call transcripts provide management's perspective on performance, strategy, and outlook. Always review full transcripts for complete context.

OPERATIONAL METRICS

Asset Management Management And Other Fees Growth Pct
10
percent
Asset Management Private Banking And Lending Growth Pct
5
percent
Equities Growth Pct
25
percent
Ficc Growth Pct
12
percent
Headcount Change Pct Qoq
N/A
-2.0% YoY
percent
Headcount Change Pct Yoy
N/A
+2.0% YoY
percent
Investment Banking Fees Growth Pct
25
percent

Operational metrics provide insight into business drivers and customer engagement beyond traditional financial measures.