PNC Fundamental Analysis - PNC FINANCIAL SERVICES GROUP

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to PNC. PNC was compared to 396 industry peers in the Banks industry. While PNC is still in line with the averages on profitability rating, there are concerns on its financial health. PNC is not valued too expensively and it also shows a decent growth rate. PNC also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

PNC had positive earnings in the past year.

In the past year PNC had a positive cash flow from operations.

In the past 5 years PNC has always been profitable.

Each year in the past 5 years PNC had a positive operating cash flow.

1.2 Ratios

With a decent Return On Assets value of 1.02%, PNC is doing good in the industry, outperforming 68.18% of the companies in the same industry.

Looking at the Return On Equity, with a value of 10.03%, PNC is in the better half of the industry, outperforming 66.16% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.02%
ROE	10.03%
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's Profit Margin of 25.87% is fine compared to the rest of the industry. PNC outperforms 64.14% of its industry peers.

PNC's Profit Margin has declined in the last couple of years.

PNC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	25.87%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

PNC does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, PNC has less shares outstanding

PNC has less shares outstanding than it did 5 years ago.

Compared to 1 year ago, PNC has a worse debt to assets ratio.

2.2 Solvency

PNC has a debt to FCF ratio of 7.61. This is a slightly negative value and a sign of low solvency as PNC would need 7.61 years to pay back of all of its debts.

Looking at the Debt to FCF ratio, with a value of 7.61, PNC is doing worse than 75.76% of the companies in the same industry.

PNC has a Debt/Equity ratio of 0.76. This is a neutral value indicating PNC is somewhat dependend on debt financing.

PNC has a worse Debt to Equity ratio (0.76) than 83.59% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.76
Debt/FCF	7.61
Altman-Z	N/A

ROIC/WACCN/A

WACC13.22%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

PNC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.89%, which is quite good.

Measured over the past 5 years, PNC shows a small growth in Earnings Per Share. The EPS has been growing by 4.46% on average per year.

The Revenue has been growing slightly by 3.95% in the past year.

PNC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.06% yearly.

EPS 1Y (TTM)9.89%

EPS 3Y-1.33%

EPS 5Y4.46%

EPS Q2Q%4.46%

Revenue 1Y (TTM)3.95%

Revenue growth 3Y3.91%

Revenue growth 5Y5.06%

Sales Q2Q%5.97%

3.2 Future

Based on estimates for the next years, PNC will show a small growth in Earnings Per Share. The EPS will grow by 6.34% on average per year.

The Revenue is expected to grow by 2.81% on average over the next years.

EPS Next Y7.6%

EPS Next 2Y10.69%

EPS Next 3Y10.91%

EPS Next 5Y6.34%

Revenue Next Year5.97%

Revenue Next 2Y5.75%

Revenue Next 3Y5.33%

Revenue Next 5Y2.81%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

PNC is valuated correctly with a Price/Earnings ratio of 12.47.

The rest of the industry has a similar Price/Earnings ratio as PNC.

The average S&P500 Price/Earnings ratio is at 26.52. PNC is valued rather cheaply when compared to this.

With a Price/Forward Earnings ratio of 10.28, the valuation of PNC can be described as very reasonable.

PNC's Price/Forward Earnings ratio is in line with the industry average.

The average S&P500 Price/Forward Earnings ratio is at 22.25. PNC is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	12.47
Fwd PE	10.28

4.2 Price Multiples

PNC's Price/Free Cash Flow is on the same level as the industry average.

		Industry Rank	Sector Rank
P/FCF	12.59
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)1.64

PEG (5Y)2.79

EPS Next 2Y10.69%

EPS Next 3Y10.91%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.66%, PNC has a reasonable but not impressive dividend return.

PNC's Dividend Yield is a higher than the industry average which is at 3.50.

PNC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.

		Industry Rank	Sector Rank
Dividend Yield	3.66%

5.2 History

The dividend of PNC is nicely growing with an annual growth rate of 8.73%!

PNC has paid a dividend for at least 10 years, which is a reliable track record.

PNC has not decreased their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)8.73%

Div Incr Years14

Div Non Decr Years14

5.3 Sustainability

51.18% of the earnings are spent on dividend by PNC. 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.

DP51.18%

EPS Next 2Y10.69%

EPS Next 3Y10.91%

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PNC FINANCIAL SERVICES GROUP

NYSE:PNC (6/6/2025, 8:20:12 PM)

After market: 178.63 0 (0%)

178.63

+3.93 (+2.25%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-15 2025-04-15/bmo

Earnings (Next)07-15 2025-07-15/bmo

Inst Owners84.92%

Inst Owner Change0.13%

Ins Owners0.34%

Ins Owner Change3.61%

Market Cap70.66B

Analysts77.14

Price Target199.28 (11.56%)

Short Float %1.33%

Short Ratio1.99

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.66%

Yearly Dividend7.28

Dividend Growth(5Y)8.73%

DP51.18%

Div Incr Years14

Div Non Decr Years14

Ex-Date04-16 2025-04-16 (1.6)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)7.44%

Min EPS beat(2)2.77%

Max EPS beat(2)12.11%

EPS beat(4)4

Avg EPS beat(4)9.27%

Min EPS beat(4)2.77%

Max EPS beat(4)12.65%

EPS beat(8)8

Avg EPS beat(8)6.99%

EPS beat(12)11

Avg EPS beat(12)4.95%

EPS beat(16)14

Avg EPS beat(16)6.99%

Revenue beat(2)1

Avg Revenue beat(2)-0.77%

Min Revenue beat(2)-1.66%

Max Revenue beat(2)0.13%

Revenue beat(4)1

Avg Revenue beat(4)-0.69%

Min Revenue beat(4)-1.66%

Max Revenue beat(4)0.13%

Revenue beat(8)2

Avg Revenue beat(8)-1.05%

Revenue beat(12)3

Avg Revenue beat(12)-0.78%

Revenue beat(16)5

Avg Revenue beat(16)-0.38%

PT rev (1m)0.25%

PT rev (3m)-10.99%

EPS NQ rev (1m)0.05%

EPS NQ rev (3m)-5.34%

EPS NY rev (1m)0.2%

EPS NY rev (3m)-1.87%

Revenue NQ rev (1m)0.02%

Revenue NQ rev (3m)-0.84%

Revenue NY rev (1m)0.04%

Revenue NY rev (3m)-0.66%

Valuation

		Industry Rank	Sector Rank
PE	12.47
Fwd PE	10.28
P/S	3.23
P/FCF	12.59
P/OCF	12.59
P/B	1.25
P/tB	1.69
EV/EBITDA	N/A

EPS(TTM)14.33

EY8.02%

EPS(NY)17.37

Fwd EY9.73%

FCF(TTM)14.19

FCFY7.94%

OCF(TTM)14.19

OCFY7.94%

SpS55.27

BVpS142.59

TBVpS105.95

PEG (NY)1.64

PEG (5Y)2.79

Profitability

		Industry Rank	Sector Rank
ROA	1.02%
ROE	10.03%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	25.87%
GM	N/A
FCFM	25.67%

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

ROICexcg growth 3YN/A

ROICexcg 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	0.76
Debt/FCF	7.61
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	99.26%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC13.22%

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)9.89%

EPS 3Y-1.33%

EPS 5Y4.46%

EPS Q2Q%4.46%

EPS Next Y7.6%

EPS Next 2Y10.69%

EPS Next 3Y10.91%

EPS Next 5Y6.34%

Revenue 1Y (TTM)3.95%

Revenue growth 3Y3.91%

Revenue growth 5Y5.06%

Sales Q2Q%5.97%

Revenue Next Year5.97%

Revenue Next 2Y5.75%

Revenue Next 3Y5.33%

Revenue Next 5Y2.81%

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-53.02%

FCF growth 3Y2.99%

FCF growth 5Y1.37%

OCF growth 1Y-53.02%

OCF growth 3Y2.99%

OCF growth 5Y1.37%

PNC FINANCIAL SERVICES GROUP (PNC) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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