RZC
7.125% Fixed-Rate Reset Subordinated Debentures due 2052
Insurance - Diversified
Market Cap$1.70B
5Y Perf.+0.2%
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Stock Comparison
RZC vs GS
Revenue, margins, valuation, and 5-year total return — side by side.
GS
The Goldman Sachs Group, Inc.
Financial - Capital Markets
Market Cap$291.19B
5Y Perf.+172.1%
RZC vs GS — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | RZC | GS |
|---|---|---|
| Industry | Insurance - Diversified | Financial - Capital Markets |
| Market Cap | $1.70B | $291.19B |
| Revenue (TTM) | $22.27B | $126.85B |
| Net Income (TTM) | $867M | $16.67B |
| Gross Margin | 13.1% | 41.1% |
| Operating Margin | 5.6% | 14.5% |
| Forward P/E | 2.4x | 15.8x |
| Total Debt | $5.04B | $616.93B |
| Cash & Equiv. | $3.33B | $182.09B |
RZC vs GS — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
RZC
GS
| Stock | Oct 22 | May 26 | Return |
|---|---|---|---|
| 7.125% Fixed-Rate R… (RZC) | 100 | 100.2 | +0.2% |
| The Goldman Sachs G… (GS) | 100 | 272.1 | +172.1% |
Price return only. Dividends and distributions are not included.
Quick Verdict: RZC vs GS
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: RZC leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. The Goldman Sachs Group, Inc. is the stronger pick specifically for profitability and margin quality and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
RZC
7.125% Fixed-Rate Reset Subordinated Debentures due 2052
The Insurance Pick
RZC carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 17 yrs, beta 0.12, yield 13.5%
- Rev growth 19.9%, EPS growth -20.2%, 3Y rev CAGR 11.1%
- Lower volatility, beta 0.12, Low D/E 46.2%
Best for: income & stability and growth exposure
GS
The Goldman Sachs Group, Inc.
The Banking Pick
GS is the clearest fit if your priority is long-term compounding.
- 5.4% 10Y total return vs RZC's 25.4%
- 11.3% margin vs RZC's 3.9%
- +73.4% vs RZC's +5.1%
Best for: long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | RZC | 19.9% revenue growth vs GS's 17.0% |
| Value | RZC | Lower P/E (2.4x vs 15.8x) |
| Quality / Margins | GS | 11.3% margin vs RZC's 3.9% |
| Stability / Safety | RZC | Beta 0.12 vs GS's 1.47, lower leverage |
| Dividends | RZC | 13.5% yield, 17-year raise streak, vs GS's 1.4% |
| Momentum (1Y) | GS | +73.4% vs RZC's +5.1% |
| Efficiency (ROA) | GS | 0.9% ROA vs RZC's 0.6%, ROIC 1.9% vs 6.3% |
RZC vs GS — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2024
FY 2024
RZC vs GS — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLRZCLAGGINGGS
GSThe Goldman Sachs Gro…
2leads
RZC7.125% Fixed-Rate Res…
4leads
6 Total Categories
CATEGORYLEADERvs GSMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
GS4/5
Valuation MetricsMultiples, price ratios, and targets
RZC4/4
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
RZC6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
GS6/6
Risk & VolatilityBeta, volatility, and downside exposure
RZC2/2
Analyst OutlookRatings, price targets, and dividends
RZC2/2
Income & Cash Flow (Last 12 Months)
GS leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
GS is the larger business by revenue, generating $126.9B annually — 5.7x RZC's $22.3B. GS is the more profitable business, keeping 11.3% of every revenue dollar as net income compared to RZC's 3.9%.
| Metric | RZC7.125% Fixed-Rate… | GSThe Goldman Sachs… |
|---|---|---|
| RevenueTrailing 12 months | $22.3B | $126.9B |
| EBITDAEarnings before interest/tax | $1.6B | $23.4B |
| Net IncomeAfter-tax profit | $867M | $16.7B |
| Free Cash FlowCash after capex | $4.8B | $15.8B |
| Gross MarginGross profit ÷ Revenue | +13.1% | +41.1% |
| Operating MarginEBIT ÷ Revenue | +5.6% | +14.5% |
| Net MarginNet income ÷ Revenue | +3.9% | +11.3% |
| FCF MarginFCF ÷ Revenue | +21.7% | -12.1% |
| Rev. Growth (YoY)Latest quarter vs prior year | +11.1% | — |
| EPS Growth (YoY)Latest quarter vs prior year | -4.0% | +45.8% |
GS leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
RZC leads this category, winning 4 of 4 comparable metrics.
Valuation Metrics
At 2.4x trailing earnings, RZC trades at a 90% valuation discount to GS's 23.1x P/E. On an enterprise value basis, RZC's 3.3x EV/EBITDA is more attractive than GS's 34.9x.
| Metric | RZC7.125% Fixed-Rate… | GSThe Goldman Sachs… |
|---|---|---|
| Market CapShares × price | $1.7B | $291.2B |
| Enterprise ValueMkt cap + debt − cash | $3.4B | $726.0B |
| Trailing P/EPrice ÷ TTM EPS | 2.37x | 23.12x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 15.84x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.65x |
| EV / EBITDAEnterprise value multiple | 3.33x | 34.92x |
| Price / SalesMarket cap ÷ Revenue | 0.08x | 2.30x |
| Price / BookPrice ÷ Book value/share | 0.16x | 2.56x |
| Price / FCFMarket cap ÷ FCF | 0.18x | — |
RZC leads this category, winning 4 of 4 comparable metrics.
Profitability & Efficiency
RZC leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
GS delivers a 12.6% return on equity — every $100 of shareholder capital generates $13 in annual profit, vs $7 for RZC. RZC carries lower financial leverage with a 0.46x debt-to-equity ratio, signaling a more conservative balance sheet compared to GS's 5.06x. On the Piotroski fundamental quality scale (0–9), RZC scores 5/9 vs GS's 4/9, reflecting solid financial health.
| Metric | RZC7.125% Fixed-Rate… | GSThe Goldman Sachs… |
|---|---|---|
| ROE (TTM)Return on equity | +6.6% | +12.6% |
| ROA (TTM)Return on assets | +0.6% | +0.9% |
| ROICReturn on invested capital | +6.3% | +1.9% |
| ROCEReturn on capital employed | +0.9% | +3.6% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 4 |
| Debt / EquityFinancial leverage | 0.46x | 5.06x |
| Net DebtTotal debt minus cash | $1.7B | $434.8B |
| Cash & Equiv.Liquid assets | $3.3B | $182.1B |
| Total DebtShort + long-term debt | $5.0B | $616.9B |
| Interest CoverageEBIT ÷ Interest expense | 4.55x | 0.31x |
RZC leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
GS leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in GS five years ago would be worth $27,109 today (with dividends reinvested), compared to $12,542 for RZC. Over the past 12 months, GS leads with a +73.4% total return vs RZC's +5.1%. The 3-year compound annual growth rate (CAGR) favors GS at 44.0% vs RZC's 6.1% — a key indicator of consistent wealth creation.
| Metric | RZC7.125% Fixed-Rate… | GSThe Goldman Sachs… |
|---|---|---|
| YTD ReturnYear-to-date | +1.3% | +3.0% |
| 1-Year ReturnPast 12 months | +5.1% | +73.4% |
| 3-Year ReturnCumulative with dividends | +19.5% | +198.7% |
| 5-Year ReturnCumulative with dividends | +25.4% | +171.1% |
| 10-Year ReturnCumulative with dividends | +25.4% | +536.1% |
| CAGR (3Y)Annualised 3-year return | +6.1% | +44.0% |
GS leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
RZC leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
RZC is the less volatile stock with a 0.12 beta — it tends to amplify market swings less than GS's 1.47 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | RZC7.125% Fixed-Rate… | GSThe Goldman Sachs… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.12x | 1.47x |
| 52-Week HighHighest price in past year | $26.29 | $984.70 |
| 52-Week LowLowest price in past year | $25.01 | $547.06 |
| % of 52W HighCurrent price vs 52-week peak | +96.6% | +95.2% |
| RSI (14)Momentum oscillator 0–100 | 47.4 | 55.0 |
| Avg Volume (50D)Average daily shares traded | 93K | 2.0M |
RZC leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
RZC leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
For income investors, RZC offers the higher dividend yield at 13.48% vs GS's 1.44%.
| Metric | RZC7.125% Fixed-Rate… | GSThe Goldman Sachs… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Hold |
| Price TargetConsensus 12-month target | — | $995.89 |
| # AnalystsCovering analysts | — | 55 |
| Dividend YieldAnnual dividend ÷ price | +13.5% | +1.4% |
| Dividend StreakConsecutive years of raises | 17 | 12 |
| Dividend / ShareAnnual DPS | $3.42 | $13.48 |
| Buyback YieldShare repurchases ÷ mkt cap | +1.6% | +3.5% |
RZC leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
RZC leads in 4 of 6 categories (Valuation Metrics, Profitability & Efficiency). GS leads in 2 (Income & Cash Flow, Total Returns).
Best Overall7.125% Fixed-Rate Reset Sub… (RZC)Leads 4 of 6 categories
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RZC vs GS: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is RZC or GS a better buy right now?
For growth investors, 7.
125% Fixed-Rate Reset Subordinated Debentures due 2052 (RZC) is the stronger pick with 19. 9% revenue growth year-over-year, versus 17. 0% for The Goldman Sachs Group, Inc. (GS). 7. 125% Fixed-Rate Reset Subordinated Debentures due 2052 (RZC) offers the better valuation at 2. 4x trailing P/E, making it the more compelling value choice. Analysts rate The Goldman Sachs Group, Inc. (GS) a "Hold" — based on 55 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — RZC or GS?
On trailing P/E, 7.
125% Fixed-Rate Reset Subordinated Debentures due 2052 (RZC) is the cheapest at 2. 4x versus The Goldman Sachs Group, Inc. at 23. 1x.
03Which is the better long-term investment — RZC or GS?
Over the past 5 years, The Goldman Sachs Group, Inc.
(GS) delivered a total return of +171. 1%, compared to +25. 4% for 7. 125% Fixed-Rate Reset Subordinated Debentures due 2052 (RZC). Over 10 years, the gap is even starker: GS returned +536. 1% versus RZC's +25. 4%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — RZC or GS?
By beta (market sensitivity over 5 years), 7.
125% Fixed-Rate Reset Subordinated Debentures due 2052 (RZC) is the lower-risk stock at 0. 12β versus The Goldman Sachs Group, Inc. 's 1. 47β — meaning GS is approximately 1137% more volatile than RZC relative to the S&P 500. On balance sheet safety, 7. 125% Fixed-Rate Reset Subordinated Debentures due 2052 (RZC) carries a lower debt/equity ratio of 46% versus 5% for The Goldman Sachs Group, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — RZC or GS?
By revenue growth (latest reported year), 7.
125% Fixed-Rate Reset Subordinated Debentures due 2052 (RZC) is pulling ahead at 19. 9% versus 17. 0% for The Goldman Sachs Group, Inc. (GS). On earnings-per-share growth, the picture is similar: The Goldman Sachs Group, Inc. grew EPS 77. 3% year-over-year, compared to -20. 2% for 7. 125% Fixed-Rate Reset Subordinated Debentures due 2052. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — RZC or GS?
The Goldman Sachs Group, Inc.
(GS) is the more profitable company, earning 11. 3% net margin versus 3. 3% for 7. 125% Fixed-Rate Reset Subordinated Debentures due 2052 — meaning it keeps 11. 3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: GS leads at 14. 5% versus 4. 4% for RZC. At the gross margin level — before operating expenses — GS leads at 41. 1%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Which pays a better dividend — RZC or GS?
All stocks in this comparison pay dividends.
7. 125% Fixed-Rate Reset Subordinated Debentures due 2052 (RZC) offers the highest yield at 13. 5%, versus 1. 4% for The Goldman Sachs Group, Inc. (GS).
08Is RZC or GS better for a retirement portfolio?
For long-horizon retirement investors, 7.
125% Fixed-Rate Reset Subordinated Debentures due 2052 (RZC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 12), 13. 5% yield). Both have compounded well over 10 years (RZC: +25. 4%, GS: +536. 1%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between RZC and GS?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(RZC: 11.1% · GS: 17.0%)Net Margin>
%
(RZC: 3.9% · GS: 11.3%)P/E Ratio<
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