We are concerned below with the characterization in a unital commutative real Banach algebra A of continuous solutions of the Gołąb-Schinzel functional equation (below), the general Popa groups they generate and the associated Goldie functional equation. This yields general structure theorems involving both linear and exponential homogeneity in A for both these functional equations and also explict forms, in terms of the recently developed theory of multi-Popa groups [BinO3,4], both for the ring C[0, 1] and for the case of R d with componentwise product, clarifying the context of recent developments in [RooSW]. The case A = C provides a new viewpoint on continuous complex-valued solutions of the primary equation by distinguishing analytic from real-analytic ones.