Earnings

Goldman Sachs misses on profit after hits from GreenSky, real estate

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CEO David Solomon, Goldman Sachs, during a Bloomberg Television at the Goldman Sachs Financial Services Conference in New York, Dec. 6, 2022.
Michael Nagle | Bloomberg | Getty Images

Goldman Sachs is scheduled to report second-quarter earnings before the opening bell Wednesday.

Here’s what Wall Street expects:

  • Earnings: $3.18 per share, according to Refinitiv
  • Revenue: $10.84 billion
  • Trading revenue: Fixed income $2.78 billion; equities $2.42 billion, per FactSet
  • Investing banking revenue: $1.49 billion

Expectations have been set low for Goldman this quarter.

The bank faces a tough environment for its most important businesses as a slump in investment banking and trading activity drags on. On top of that, Goldman has warned investors of write-downs on commercial real estate and impairments tied to its planned sale of fintech unit GreenSky.

Taken together, the bank is expected to post some of the weakest results of CEO David Solomon‘s tenure.

Unlike more diversified rivals, Goldman gets the majority of its revenue from volatile Wall Street activities, including trading and investment banking. That can lead to outsized returns during boom times and underperformance when markets don’t cooperate.

Goldman has said trading revenue was headed for a 25% decline in the quarter. Investment banking has been weak because of subdued issuance and IPOs amid the Federal Reserve’s interest rate increases. But rival JPMorgan Chase posted better-than-expected trading and banking results last week, saying that activity improved late in the quarter, so it’s possible Goldman may exceed its guidance.

Analysts will likely ask Solomon about plans to continue retrenching from his ill-fated push into consumer banking. Goldman has reportedly been in discussions to offload its Apple Card business to American Express, but its unclear how far those talks have advanced.

Goldman shares have dipped nearly 2% this year, compared with the approximately 18% decline of the KBW Bank Index.

On Friday, JPMorgan, Citigroup and Wells Fargo each posted earnings that topped analysts’ expectations amid higher interest rates. Tuesday, Bank of America and Morgan Stanley also reported results that exceeded forecasts.

This story is developing. Please check back for updates.

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