Early Access

10-KPeriod: FY2024

GOLDMAN SACHS GROUP INC Annual Report, Year Ended Dec 31, 2024

Filed February 27, 2025For Securities:GSGS-PAGS-PCGS-PDGSCE

Summary

Goldman Sachs Group, Inc. reported a strong financial performance for the fiscal year 2024, with net earnings of $14.28 billion, a significant increase from $8.52 billion in 2023, leading to a diluted EPS of $40.54. Return on Equity (ROE) improved to 12.7% from 7.5% in the previous year. Net revenues rose by 16% year-over-year to $53.51 billion, driven by robust performance in Global Banking & Markets and Asset & Wealth Management. The company's strategy of narrowing its focus on consumer-related activities continued, with divestitures impacting results but overall strategic realignment showing positive financial outcomes. Operating expenses decreased by 2% year-over-year, contributing to an improved efficiency ratio of 63.1% from 74.6%. Goldman Sachs returned $11.80 billion in capital to shareholders through share repurchases and dividends, demonstrating a commitment to capital deployment. The firm maintains strong capital and liquidity positions, with a CET1 capital ratio of 15.0% under Standardized Capital Rules.

Financial Statements
Beta
Interest Expense$73.34B
Net Income$14.28B
EPS (Basic)$41.07
EPS (Diluted)$40.54
Shares Outstanding (Basic)328.10M
Shares Outstanding (Diluted)333.60M

Key Highlights

  • 1Net earnings surged to $14.28 billion in 2024, up from $8.52 billion in 2023, with diluted EPS increasing to $40.54.
  • 2Net revenues grew 16% year-over-year to $53.51 billion, primarily driven by strength in Global Banking & Markets and Asset & Wealth Management.
  • 3ROE improved significantly to 12.7% in 2024 from 7.5% in 2023.
  • 4Operating expenses decreased by 2% year-over-year to $33.77 billion, resulting in an improved efficiency ratio of 63.1% from 74.6%.
  • 5Capital returned to shareholders totaled $11.80 billion in 2024, comprising $8.00 billion in share repurchases and $3.80 billion in dividends.
  • 6The CET1 capital ratio remained strong at 15.0% (Standardized) and 15.3% (Advanced) as of December 2024.
  • 7The company is continuing to narrow its focus on consumer-related activities, impacting specific business lines but contributing to overall strategic realignment.

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