PNC FINANCIAL SERVICES GROUP (PNC) Fundamental Analysis & Valuation

NYSE:PNC • US6934751057

Current stock price

221.13 USD
-2.1 (-0.94%)
At close:
221.13 USD
0 (0%)
After Hours:

This PNC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. PNC Profitability Analysis

1.1 Basic Checks

  • In the past year PNC was profitable.
  • PNC had a positive operating cash flow in the past year.
  • In the past 5 years PNC has always been profitable.
  • Each year in the past 5 years PNC had a positive operating cash flow.
PNC Yearly Net Income VS EBIT VS OCF VS FCFPNC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

1.2 Ratios

  • With a decent Return On Assets value of 1.15%, PNC is doing good in the industry, outperforming 67.89% of the companies in the same industry.
  • PNC has a Return On Equity of 10.85%. This is in the better half of the industry: PNC outperforms 67.37% of its industry peers.
Industry RankSector Rank
ROA 1.15%
ROE 10.85%
ROIC N/A
ROA(3y)1.01%
ROA(5y)1.01%
ROE(3y)10.33%
ROE(5y)10.63%
ROIC(3y)N/A
ROIC(5y)N/A
PNC Yearly ROA, ROE, ROICPNC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • PNC's Profit Margin of 28.47% is fine compared to the rest of the industry. PNC outperforms 67.37% of its industry peers.
  • In the last couple of years the Profit Margin of PNC has declined.
  • PNC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 28.47%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.75%
PM growth 5Y-7.93%
GM growth 3YN/A
GM growth 5YN/A
PNC Yearly Profit, Operating, Gross MarginsPNC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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1

2. PNC Health Analysis

2.1 Basic Checks

  • PNC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for PNC has been reduced compared to 1 year ago.
  • The number of shares outstanding for PNC has been reduced compared to 5 years ago.
  • PNC has a worse debt/assets ratio than last year.
PNC Yearly Shares OutstandingPNC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M
PNC Yearly Total Debt VS Total AssetsPNC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100B 200B 300B 400B 500B

2.2 Solvency

  • PNC has a debt to FCF ratio of 10.06. This is a negative value and a sign of low solvency as PNC would need 10.06 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 10.06, PNC is not doing good in the industry: 79.21% of the companies in the same industry are doing better.
  • PNC has a Debt/Equity ratio of 0.73. This is a neutral value indicating PNC is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.73, PNC is doing worse than 82.89% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.73
Debt/FCF 10.06
Altman-Z N/A
ROIC/WACCN/A
WACC11.74%
PNC Yearly LT Debt VS Equity VS FCFPNC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PNC Yearly Current Assets VS Current LiabilitesPNC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. PNC Growth Analysis

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.
  • PNC shows a small growth in Revenue. In the last year, the Revenue has grown by 7.16%.
  • The Revenue has been growing slightly by 6.45% on average over the past years.
EPS 1Y (TTM)17%
EPS 3Y6.15%
EPS 5Y19.88%
EPS Q2Q%29.44%
Revenue 1Y (TTM)7.16%
Revenue growth 3Y3.03%
Revenue growth 5Y6.45%
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 5.36% yearly.
  • PNC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.42% yearly.
EPS Next Y12.57%
EPS Next 2Y12.23%
EPS Next 3Y11.02%
EPS Next 5Y5.36%
Revenue Next Year11.72%
Revenue Next 2Y8.11%
Revenue Next 3Y6.69%
Revenue Next 5Y4.42%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
PNC Yearly Revenue VS EstimatesPNC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 10B 20B 30B
PNC Yearly EPS VS EstimatesPNC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 5 10 15 20 25

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3

4. PNC Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 13.33, the valuation of PNC can be described as correct.
  • PNC's Price/Earnings ratio is in line with the industry average.
  • PNC is valuated cheaply when we compare the Price/Earnings ratio to 26.78, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 11.84, the valuation of PNC can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of PNC is on the same level as its industry peers.
  • When comparing the Price/Forward Earnings ratio of PNC to the average of the S&P500 Index (23.54), we can say PNC is valued slightly cheaper.
Industry RankSector Rank
PE 13.33
Fwd PE 11.84
PNC Price Earnings VS Forward Price EarningsPNC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, PNC is valued a bit more expensive than the industry average as 74.47% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 20.35
EV/EBITDA N/A
PNC Per share dataPNC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

4.3 Compensation for Growth

  • PNC's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.06
PEG (5Y)0.67
EPS Next 2Y12.23%
EPS Next 3Y11.02%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. PNC Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.05%, PNC has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.59, PNC pays a bit more dividend than its industry peers.
  • PNC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 3.05%

5.2 History

  • The dividend of PNC is nicely growing with an annual growth rate of 7.74%!
  • 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)7.74%
Div Incr Years15
Div Non Decr Years15
PNC Yearly Dividends per sharePNC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6

5.3 Sustainability

  • 44.75% 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.
DP44.75%
EPS Next 2Y12.23%
EPS Next 3Y11.02%
PNC Yearly Income VS Free CF VS DividendPNC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B
PNC Dividend Payout.PNC Dividend Payout, showing the Payout Ratio.PNC Dividend Payout.PayoutRetained Earnings

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PNC Fundamentals: All Metrics, Ratios and Statistics

PNC FINANCIAL SERVICES GROUP

NYSE:PNC (4/10/2026, 8:04:00 PM)

After market: 221.13 0 (0%)

221.13

-2.1 (-0.94%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-16
Earnings (Next)04-15
Inst Owners85.71%
Inst Owner Change0%
Ins Owners0.29%
Ins Owner Change1.59%
Market Cap89.20B
Revenue(TTM)23.10B
Net Income(TTM)6.58B
Analysts79.33
Price Target249.32 (12.75%)
Short Float %1.45%
Short Ratio2.04
Dividend
Industry RankSector Rank
Dividend Yield 3.05%
Yearly Dividend7.49
Dividend Growth(5Y)7.74%
DP44.75%
Div Incr Years15
Div Non Decr Years15
Ex-Date04-14
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10.46%
Min EPS beat(2)6.35%
Max EPS beat(2)14.57%
EPS beat(4)4
Avg EPS beat(4)7.71%
Min EPS beat(4)2.77%
Max EPS beat(4)14.57%
EPS beat(8)8
Avg EPS beat(8)9.47%
EPS beat(12)12
Avg EPS beat(12)8.79%
EPS beat(16)15
Avg EPS beat(16)7.42%
Revenue beat(2)2
Avg Revenue beat(2)0.68%
Min Revenue beat(2)0.44%
Max Revenue beat(2)0.91%
Revenue beat(4)2
Avg Revenue beat(4)-0.08%
Min Revenue beat(4)-1.66%
Max Revenue beat(4)0.91%
Revenue beat(8)3
Avg Revenue beat(8)-0.4%
Revenue beat(12)4
Avg Revenue beat(12)-0.67%
Revenue beat(16)5
Avg Revenue beat(16)-0.66%
PT rev (1m)-1.45%
PT rev (3m)8.61%
EPS NQ rev (1m)0.39%
EPS NQ rev (3m)2.1%
EPS NY rev (1m)0.34%
EPS NY rev (3m)3.78%
Revenue NQ rev (1m)0.11%
Revenue NQ rev (3m)5.21%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)3.6%
Valuation
Industry RankSector Rank
PE 13.33
Fwd PE 11.84
P/S 3.86
P/FCF 20.35
P/OCF 20.35
P/B 1.47
P/tB 1.94
EV/EBITDA N/A
EPS(TTM)16.59
EY7.5%
EPS(NY)18.67
Fwd EY8.45%
FCF(TTM)10.87
FCFY4.91%
OCF(TTM)10.87
OCFY4.91%
SpS57.27
BVpS150.2
TBVpS113.96
PEG (NY)1.06
PEG (5Y)0.67
Graham Number236.78
Profitability
Industry RankSector Rank
ROA 1.15%
ROE 10.85%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.47%
GM N/A
FCFM 18.98%
ROA(3y)1.01%
ROA(5y)1.01%
ROE(3y)10.33%
ROE(5y)10.63%
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 3Y1.75%
PM growth 5Y-7.93%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.73
Debt/FCF 10.06
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 66.67%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC11.74%
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)135.76%
Profit Quality(5y)139.96%
High Growth Momentum
Growth
EPS 1Y (TTM)17%
EPS 3Y6.15%
EPS 5Y19.88%
EPS Q2Q%29.44%
EPS Next Y12.57%
EPS Next 2Y12.23%
EPS Next 3Y11.02%
EPS Next 5Y5.36%
Revenue 1Y (TTM)7.16%
Revenue growth 3Y3.03%
Revenue growth 5Y6.45%
Sales Q2Q%9.05%
Revenue Next Year11.72%
Revenue Next 2Y8.11%
Revenue Next 3Y6.69%
Revenue Next 5Y4.42%
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-44.37%
FCF growth 3Y-21.56%
FCF growth 5Y-1.21%
OCF growth 1Y-44.37%
OCF growth 3Y-21.56%
OCF growth 5Y-1.21%

PNC FINANCIAL SERVICES GROUP / PNC Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for PNC FINANCIAL SERVICES GROUP?

ChartMill assigns a fundamental rating of 3 / 10 to PNC.


What is the valuation status of PNC FINANCIAL SERVICES GROUP (PNC) stock?

ChartMill assigns a valuation rating of 3 / 10 to PNC FINANCIAL SERVICES GROUP (PNC). This can be considered as Overvalued.


What is the profitability of PNC stock?

PNC FINANCIAL SERVICES GROUP (PNC) has a profitability rating of 4 / 10.


Can you provide the PE and PB ratios for PNC stock?

The Price/Earnings (PE) ratio for PNC FINANCIAL SERVICES GROUP (PNC) is 13.33 and the Price/Book (PB) ratio is 1.47.


How sustainable is the dividend of PNC FINANCIAL SERVICES GROUP (PNC) stock?

The dividend rating of PNC FINANCIAL SERVICES GROUP (PNC) is 7 / 10 and the dividend payout ratio is 44.75%.