Today, the U.S. Department of Justice (DoJ) announced that Goldman Sachs GS has agreed to pay $5.1 billion for its role in the financial crisis of 2008. The company sold mortgage-backed securities (MBS) as high quality debt investments without informing investors of how risky those securities actually were. Year-to-date, Goldman Sachs’ stock has lost 15.55% of its value. In my opinion, shares of the company could stand to lose some more weight than they already have. The company’s earnings and revenues are expected to decrease by 20.73% and 8.28%, respectively. The global bank is also sensitive to global volatility and commodity prices, so it’s especially risky to invest in right now. What’s more is that the bank has a current ratio of 0.9 while having a debt-to-capital of 66.92%. This is means that Goldman Sachs does not have enough current assets in the short term to pay off its short term liabilities. In order to satisfy its liabilities over the short term, the company may have to issue more debt to its already-leveraged capital structure. GS stock is going to be held back if the slew of negative earnings estimate revisions from analysts continues to pile on. Over the last 60 days, Goldman Sachs has had 19 negative earnings estimate revisions from analysts. In that same amount of time, no analysts have revised their estimates upwards. Our Earnings Consensus Estimate for this quarter has trended lower over the last 90 days, going from $5.16 to $2.72. That’s a huge fall in our EPS consensus. Forget about Goldman Sachs, the stock is a Zacks Rank #4 (Sell), and it probably won’t build much wealth for you over the short term. Instead, check out these 3 buy-ranked financial stocks that have sizable earnings growth projected for this year. Piper Jaffray Companies-PJC Piper Jaffray is a securities focused firm that offers financial advice, investment products, and transaction execution within selected sectors of the financial services market. Piper Jaffray is a Zacks Rank #1 (Strong Buy). The company’s valuation is attractive, and PJC shares are trading at a price-to-book of just 0.82. A price-to-book under one suggests that a company may be undervalued. Piper Jaffray’s earnings are projected to grow by 7.82% this year. It’s worth noting that the company is fairly liquid with a current ratio of 1.4. Piper is not very levered, as it has a debt-to-capital of 17.38%. The company’s net margin is 7.08%, while the rest of the industry lags behind at an average net margin of 5.24%. Piper has received three earnings estimate revisions for this quarter over the last 60 days. Each of those revisions were made in the upwards direction. Piper Jaffray has a great track record in terms of beating our EPS consensus, posting beats in three of the last four quarters. HomeStreet Inc-HMST HomeStreet Inc is a financial services company with a focus on providing real estate lending services. HMST is a Zacks Rank #2 (Buy), and the company trades at a price-to-book of 0.98. HomeStreet looks like a steal when you look at critical valuation metrics. The company’s PEG is 0.88, which is well ahead of the industry’s average PEG of 1.31. Also, HMST trades at a price-to-sales of just 1.13, while the industry’s price-to-sales lags behind at 2.84. HMST’s earnings are projected to grow by 12.14% this year. The company posted a net margin of 9.26% last year, and sales are projected to grow by 12.90% this year. HMST has received one positive earnings estimate revision from an analyst over the last 60 days. In that same time frame, no negative revisions have been made. HomeStreet beat on our EPS consensus last quarter by a margin of 34.48%. Credit Acceptance Corporation-CACC Credit Acceptance provides funding, receivables management, collection, sales training, and related services to automobile dealers. CACC is a Zacks Rank #2 (Buy), and the company has a grade of “A” for Momentum in our Style Scores. CACC has current cash flows growth of 13.72%. The company’s earnings are projected to grow by 12.15%, which is well ahead of the industry’s projected EPS growth of 8.03%. CACC is especially impressive because of its high margins. Also, the company’s net margin of 36.31% is over three times higher than the industry’s average net margin. Credit Acceptance Corporation’s sales are projected to grow by 14.31% this year. Credit Acceptance Corporation has received three earnings estimate revisions from analysts in the last two months. In that span of time, no analysts have posted a negative revision for this quarter. CACC has gotten the better of our EPS consensus, beating our EPS estimate three times over the last four quarters. The Zacks Rank is a truly marvelous trading tool. Our ranking system has beaten the S&P 500, yielding an average return of 25% per year for the last 29 years! Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report CREDIT ACCEPT (CACC): Free Stock Analysis Report GOLDMAN SACHS (GS): Free Stock Analysis Report PIPER JAFFRAY (PJC): Free Stock Analysis Report HOMESTREET INC (HMST): Free Stock Analysis Report To read this article on Zacks.com click here. Zacks Investment Research