Goldman has a lot riding on its consumer project. Traditional investment banking and trading, Goldman’s bread-and-butter businesses, are highly lucrative but can wilt in a market downturn. A strong consumer business could provide a stable revenue base that, in turn, could win Goldman a more generous stock valuation. But the business hasn’t yet turned a profit, and Goldman isn’t saying when it thinks it will. Still, the bank expects the consumer business to top $4b in annual revenue by 2024, roughly double what it is on pace to bring in this year.