Microsoft Corporation
11.81xPrice / tangible book
Market cap
$3.59T
Tangible equity
$304.13B
Price / tangible book
11.81x
Price / book
8.12x
Return on equity
30.2%
Return on assets
17.6%
Efficiency ratio
—
Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
Decision snapshot: MSFT stock price vs GS: inconclusive Relative valuation is incomplete for this pair. Review the available filing metrics before drawing a conclusion.
Quick read
Each company valued on the other's multiple, then compared with the market price.
Implied fair value · at GS's multiple
Needs GS P/E.
Implied fair value · at MSFT's multiple
Live quote
Price unavailable
Metric by metric
Filter, sort, and scan the equity metrics that matter most for banks: book value, tangible book, returns, and operating efficiency.
Lower is better
Lower is better
Profitability edge
Asset efficiency edge
Lower is better
Statements
Bank-focused income statement and equity metrics aligned to the reporting windows.
SEC periods: MSFT FY 2026 (ended Jun 30, 2026) · GS FY 2025 (ended Dec 31, 2025). Fiscal years are not aligned.
Trendline
Six fiscal years of revenue, earnings, and margins before underwriting a re-rating.
Price framework
Tangible book and profitability anchor a bank, not enterprise value.
Deposits and cash-like balances distort enterprise value for banks, so this section reads equity value, tangible book and profitability instead.
Price / tangible book
Market cap
$3.59T
Tangible equity
$304.13B
Price / tangible book
11.81x
Price / book
8.12x
Return on equity
30.2%
Return on assets
17.6%
Efficiency ratio
—
Price / book
Market cap
—
Tangible equity
$118.18B
Price / tangible book
—
Price / book
—
Return on equity
13.7%
Return on assets
0.9%
Efficiency ratio
64.4%
Price framework
Discounted free cash flow, then bridged to a per-share price. Same assumptions applied to both companies.
MICROSOFT CORPORATION · implied price per share
Bear
$216.80
Base
$255.06
Bull
$293.32
The Goldman Sachs Group, Inc. · implied price per share
Bank model off — standard DCF modelling is disabled for financial institutions.
Balance sheet health
Financial health checks to separate durable balance sheets from potential value traps.
Financial strength on a 0–9 scale.
Bankruptcy-risk signal from balance sheet and earnings power.
Debt / equity
Total debt against shareholders' equity
0.11x
2.45x
Net debt / EBITDA
Leverage against operating earnings
-0.13x
0.86x
Cash and equivalents
Liquid reserves on the balance sheet
$76.84B
$173.54B
Total debt
Interest-bearing obligations outstanding
Comparable set
Where the pair sits against the wider banking comparable set.
Keep comparing
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MSFT vs BLK
$49.52B
$305.74B
Live quote
LLM-powered synthesis
An on-demand narrative read of the same deterministic data.
Based on an earlier data snapshot. Review the filing dates below or refresh after signing in.
If you believe MSFT can sustain its 17.8% revenue growth and 46.8% operating margin, then hold rather than add aggressively because the stock already trades above the P/E-implied value and above GS-implied range despite excellent fundamentals.
On the provided P/E framework, MSFT's implied price is $359.23 versus a current price of $487.65, indicating -26.3% downside. That gap reflects a valuation that is rich relative to GS-implied benchmark even though MSFT's operating metrics are materially stronger than GS.
Supporting Metrics