PNC FINANCIAL SERVICES GROUP (PNC) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:PNC - US6934751057 - Common Stock
223.18 USD
+8.14 (+3.79%)
223.18 USD
0 (0%)
PNC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. PNC may be in some trouble as it scores bad on both profitability and health. PNC has a expensive valuation and it also scores bad on growth. PNC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year PNC was profitable.
- In the past year PNC had a positive cash flow from operations.
- Of the past 5 years PNC 4 years were profitable.
- Of the past 5 years PNC 4 years had a positive operating cash flow.
1.2 Ratios
- PNC has a Return On Assets of 1.08%. This is in the better half of the industry: PNC outperforms 70.23% of its industry peers.
- With a decent Return On Equity value of 10.44%, PNC is doing good in the industry, outperforming 67.10% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.08% | ||
| ROE | 10.44% | ||
| ROIC | N/A |
ROA(3y)0.97%
ROA(5y)1.09%
ROE(3y)10.87%
ROE(5y)11.15%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- PNC has a better Profit Margin (27.26%) than 66.58% of its industry peers.
- PNC's Profit Margin has declined in the last couple of years.
- The Operating Margin and Gross Margin are not available for PNC so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 27.26% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.25%
PM growth 5Y-3.43%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- PNC does not have a ROIC to compare to the WACC, probably because it is not profitable.
- PNC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
- The Debt to FCF ratio of PNC is 8.52, which is on the high side as it means it would take PNC, 8.52 years of fcf income to pay off all of its debts.
- With a Debt to FCF ratio value of 8.52, PNC is not doing good in the industry: 77.28% of the companies in the same industry are doing better.
- PNC has a Debt/Equity ratio of 0.78. This is a neutral value indicating PNC is somewhat dependend on debt financing.
- With a Debt to Equity ratio value of 0.78, PNC is not doing good in the industry: 82.77% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.78 | ||
| Debt/FCF | 8.52 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.46%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 17.00% over the past year.
- The Earnings Per Share has been growing by 19.88% on average over the past years. This is quite good.
EPS 1Y (TTM)17%
EPS 3Y6.15%
EPS 5Y19.88%
EPS Q2Q%29.44%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%9.05%
3.2 Future
- PNC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.61% yearly.
- PNC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.33% yearly.
EPS Next Y8.47%
EPS Next 2Y9.76%
EPS Next 3Y0.21%
EPS Next 5Y3.61%
Revenue Next Year8.6%
Revenue Next 2Y6.72%
Revenue Next 3Y1.93%
Revenue Next 5Y2.33%
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 13.45, which indicates a correct valuation of PNC.
- The rest of the industry has a similar Price/Earnings ratio as PNC.
- PNC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.38.
- PNC is valuated correctly with a Price/Forward Earnings ratio of 12.40.
- Based on the Price/Forward Earnings ratio, PNC is valued a bit more expensive than 61.62% of the companies in the same industry.
- PNC is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.29, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.45 | ||
| Fwd PE | 12.4 |
4.2 Price Multiples
- PNC's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. PNC is more expensive than 66.84% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.13 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.59
PEG (5Y)0.68
EPS Next 2Y9.76%
EPS Next 3Y0.21%
5. Dividend
5.1 Amount
- PNC has a Yearly Dividend Yield of 3.16%.
- PNC's Dividend Yield is a higher than the industry average which is at 2.87.
- Compared to an average S&P500 Dividend Yield of 1.85, PNC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.16% |
5.2 History
- On average, the dividend of PNC grows each year by 8.73%, which is quite nice.
- PNC has paid a dividend for at least 10 years, which is a reliable track record.
- PNC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)8.73%
Div Incr Years14
Div Non Decr Years14
5.3 Sustainability
- PNC pays out 47.44% of its income as dividend. This is a bit on the high side, but may be sustainable.
- PNC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP47.44%
EPS Next 2Y9.76%
EPS Next 3Y0.21%
223.18
+8.14 (+3.79%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-16 2026-01-16/bmo
Earnings (Next)04-15 2026-04-15
Inst Owners87.68%
Inst Owner Change0%
Ins Owners0.28%
Ins Owner Change-0.33%
Market Cap87.52B
Revenue(TTM)N/A
Net Income(TTM)6.16B
Analysts78.57
Price Target240.49 (7.76%)
Short Float %1.86%
Short Ratio3.74
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.16% |
Yearly Dividend7.28
Dividend Growth(5Y)8.73%
DP47.44%
Div Incr Years14
Div Non Decr Years14
Ex-Date01-20 2026-01-20 (1.7)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.76%
Min EPS beat(2)6.35%
Max EPS beat(2)7.16%
EPS beat(4)4
Avg EPS beat(4)7.1%
Min EPS beat(4)2.77%
Max EPS beat(4)12.11%
EPS beat(8)8
Avg EPS beat(8)8.43%
EPS beat(12)11
Avg EPS beat(12)6.49%
EPS beat(16)14
Avg EPS beat(16)5.86%
Revenue beat(2)1
Avg Revenue beat(2)0.21%
Min Revenue beat(2)-0.02%
Max Revenue beat(2)0.44%
Revenue beat(4)2
Avg Revenue beat(4)-0.28%
Min Revenue beat(4)-1.66%
Max Revenue beat(4)0.44%
Revenue beat(8)3
Avg Revenue beat(8)-0.48%
Revenue beat(12)3
Avg Revenue beat(12)-0.75%
Revenue beat(16)4
Avg Revenue beat(16)-0.8%
PT rev (1m)6.8%
PT rev (3m)8.66%
EPS NQ rev (1m)1.4%
EPS NQ rev (3m)0.24%
EPS NY rev (1m)0.13%
EPS NY rev (3m)2.23%
Revenue NQ rev (1m)0.67%
Revenue NQ rev (3m)0.32%
Revenue NY rev (1m)0.2%
Revenue NY rev (3m)0.59%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.45 | ||
| Fwd PE | 12.4 | ||
| P/S | 3.87 | ||
| P/FCF | 16.13 | ||
| P/OCF | 16.13 | ||
| P/B | 1.48 | ||
| P/tB | 1.97 | ||
| EV/EBITDA | N/A |
EPS(TTM)16.59
EY7.43%
EPS(NY)17.99
Fwd EY8.06%
FCF(TTM)13.84
FCFY6.2%
OCF(TTM)13.84
OCFY6.2%
SpS57.62
BVpS150.42
TBVpS113.22
PEG (NY)1.59
PEG (5Y)0.68
Graham Number236.96
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.08% | ||
| ROE | 10.44% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 27.26% | ||
| GM | N/A | ||
| FCFM | 24.02% |
ROA(3y)0.97%
ROA(5y)1.09%
ROE(3y)10.87%
ROE(5y)11.15%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.25%
PM growth 5Y-3.43%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.78 | ||
| Debt/FCF | 8.52 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 88.12% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC12.46%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)166.59%
Profit Quality(5y)139.44%
High Growth Momentum
Growth
EPS 1Y (TTM)17%
EPS 3Y6.15%
EPS 5Y19.88%
EPS Q2Q%29.44%
EPS Next Y8.47%
EPS Next 2Y9.76%
EPS Next 3Y0.21%
EPS Next 5Y3.61%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%9.05%
Revenue Next Year8.6%
Revenue Next 2Y6.72%
Revenue Next 3Y1.93%
Revenue Next 5Y2.33%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-41.6%
FCF growth 3Y2.99%
FCF growth 5Y1.37%
OCF growth 1Y-41.6%
OCF growth 3Y2.99%
OCF growth 5Y1.37%
PNC FINANCIAL SERVICES GROUP / PNC FAQ
Can you provide the ChartMill fundamental rating for PNC FINANCIAL SERVICES GROUP?
ChartMill assigns a fundamental rating of 3 / 10 to PNC.
Can you provide the valuation status for PNC FINANCIAL SERVICES GROUP?
ChartMill assigns a valuation rating of 3 / 10 to PNC FINANCIAL SERVICES GROUP (PNC). This can be considered as Overvalued.
Can you provide the profitability details for PNC FINANCIAL SERVICES GROUP?
PNC FINANCIAL SERVICES GROUP (PNC) has a profitability rating of 4 / 10.
What are the PE and PB ratios of PNC FINANCIAL SERVICES GROUP (PNC) stock?
The Price/Earnings (PE) ratio for PNC FINANCIAL SERVICES GROUP (PNC) is 13.45 and the Price/Book (PB) ratio is 1.48.
What is the expected EPS growth for PNC FINANCIAL SERVICES GROUP (PNC) stock?
The Earnings per Share (EPS) of PNC FINANCIAL SERVICES GROUP (PNC) is expected to grow by 8.47% in the next year.