What Is Goldman Sachs’ Full List of Secret AI Winner Stocks for 2026?

TL;DR

Goldman Sachs’ AI productivity winners include banks, insurers, and mortgage companies using AI to increase output, reduce costs, and improve margins. The highlighted names include JPMorgan Chase, Bank of New York Mellon, Rocket Companies, Citibank, Bank of America, Morgan Stanley, AIG, Neptune, and UWM. Read on for the specific adoption forecasts, operational results, and AI applications behind the thesis.

Transcript

If you're investing for retirement or wanting to build wealth in the stock market, what I'm about to reveal could be the difference between crushing it in 2026 or watching from the sidelines while others make some serious money. Goldman Sachs, probably the most respected investment bank in the world, just ask Goldman Sachs, they'll tell you, just u... Read More

Key Insights

• AI beneficiaries are not limited to major technology stocks. The investment thesis highlighted here focuses on underperforming banks, insurers, and mortgage businesses that could translate AI-enabled productivity into lower costs, higher output, stronger margins, and profit growth.
• Corporate AI adoption is expected to expand substantially according to the cited Goldman Sachs survey. The share of corporate clients already using AI is stated as 37%, with projected adoption rising to 50% next year and 74% by 2028.
• Generative AI can produce productivity gains ranging from 10% to 55%, according to research attributed to Wharton. The practical investment question is whether companies are deploying AI in production and generating tangible operating improvements rather than merely discussing potential applications.
• Banks are well suited to AI because they process millions of transactions, maintain large data collections, and perform many repetitive tasks. Potential applications include coding, fraud detection, credit decisions, collections, marketing, underwriting, payments, client onboarding, reconciliations, and customer service.
• Bank of New York Mellon has 117 AI solutions in production and 100 digital employees, according to the presentation. Its Eliza 2.0 assistant and AI agents support business leads, code writing, payment processing, client onboarding, reconciliations, and accounting-related work alongside human employees.
• Rocket Companies uses AI to rank leads, review purchase agreements, and support underwriting. Its tools reportedly reduce agreement-processing time by 80%, shorten underwriting completion from four hours to 15 minutes, and allow existing team members to handle 63% more loans.
• Bank of America uses its Erica platform for 2 million customer interactions each day, while Citibank has AI tools available to 180,000 employees. Morgan Stanley applies Defgen AI and Lead IQ to distribute leads and match advisers with clients.
• Insurance companies can apply AI to document analysis, underwriting, claims, quote conversions, and renewals. AIG Assist automates parts of underwriting and claims, while Neptune is described as generating $2.5 million per employee, including $1.5 million in EBITDA profit per employee.
• "And these are companies whose profits could grow tremendously, 25% on average because of AI." (0:54)
• "So by the end of this video, you'll have the complete Goldman Sachs AI productivity stock list, every single stock ticker that they're looking at that they're recommending." (1:00)
• "And what they've done is they've surveyed their own investment bankers about their corporate clients and 37% of them are already using AI right now." (3:47)
• "That's going to jump to 50% next year and then to 74% by 2028." (4:01)
• "According to Warton's research, generative AI can give us delivery um can give us productivity gains of 10 to 55%." (4:46)

Questions & Answers

Q: What is Goldman Sachs’ AI productivity stock thesis for 2026?

The thesis focuses on underperforming companies that could benefit from using AI, rather than established technology leaders. These businesses may improve profits by automating repetitive work, increasing employee output, controlling headcount growth, and strengthening margins.

Q: Which companies are identified as potential AI productivity winners?

The highlighted companies include JPMorgan Chase, Bank of New York Mellon, Rocket Companies, Citibank, Bank of America, Morgan Stanley, AIG, Neptune, and UWM. They represent banking, mortgage, and insurance businesses where AI is already being applied to operational work.

Q: Why could banks benefit from AI productivity gains?

Banks manage extensive data, millions of transactions, and many repetitive processes that can be automated. Applications cited include coding, fraud detection, credit decisions, collections, marketing, underwriting, payments, onboarding, reconciliations, and customer service.

Q: What is Bank of New York Mellon doing with AI?

Bank of New York Mellon reportedly has 117 AI solutions in production and 100 digital employees. Its Eliza 2.0 assistant and AI agents support business leads, code writing, payment processing, client onboarding, reconciliations, and accounting-related work alongside human employees.

Q: How does Rocket Companies use AI in mortgage processing?

Rocket Companies uses AI to rank leads, review purchase agreements, and support underwriting. Its tools reportedly cut agreement-processing time by 80%, shortened underwriting completion from four hours to 15 minutes, and enabled existing team members to handle 63% more loans.

Q: How are Citibank, Bank of America, and Morgan Stanley using AI?

Citibank reportedly makes AI tools available to 180,000 employees, while Bank of America’s Erica platform handles 2 million customer interactions each day. Morgan Stanley uses Defgen AI and Lead IQ to distribute leads and match advisers with clients.

Q: How are insurance companies using AI?

Insurance companies are applying AI to underwriting, claims, document analysis, quote conversions, and renewals. AIG uses AIG Assist to automate parts of underwriting and claims work, while Neptune incorporates AI throughout its processes and reportedly generates $2.5 million per employee, including $1.5 million in EBITDA profit per employee.

Q: What do the cited figures say about AI adoption and productivity?

A Goldman Sachs survey found that 37% of corporate clients were already using AI, with adoption projected to reach 50% next year and 74% by 2028. Research attributed to Wharton estimated that generative AI can produce productivity gains ranging from 10% to 55%.

Summary & Key Takeaways

• Goldman Sachs reportedly identified underperforming companies that could become AI productivity beneficiaries rather than focusing on established technology leaders. The investment thesis centers on businesses already using AI to lower costs, increase output, and improve margins. Corporate AI adoption is described as rising from 37% currently to 50% next year and 74% by 2028.

• Banks are presented as strong candidates for AI-driven efficiency because they manage extensive data, millions of transactions, and repetitive processes. JPMorgan, Bank of New York Mellon, Citibank, Bank of America, and Morgan Stanley are highlighted for applications involving coding, fraud detection, credit decisions, customer service, payments, onboarding, reconciliations, marketing, and adviser lead distribution.

• Mortgage and insurance examples demonstrate measurable operational improvements attributed to AI. Rocket Companies reportedly cut purchase-agreement processing time by 80%, reduced underwriting completion from four hours to 15 minutes, and enabled team members to handle 63% more loans. AIG, Neptune, and UWM are also using AI across underwriting, claims, renewals, conversions, and loan calls.