PNC FINANCIAL SERVICES GROUP (PNC) Stock Fundamental Analysis
USA - NYSE:PNC - US6934751057 - Common Stock
184.73 USD
+2.78 (+1.53%)
We assign a fundamental rating of 4 out of 10 to PNC. PNC was compared to 391 industry peers in the Banks industry. PNC has a medium profitability rating, but doesn't score so well on its financial health evaluation. PNC has a correct valuation and a medium growth rate. 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.
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
The Return On Assets of PNC (1.04%) is better than 70.08% of its industry peers.
With a decent Return On Equity value of 10.12%, PNC is doing good in the industry, outperforming 67.26% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.04% | ||
| ROE | 10.12% | ||
| 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
The Profit Margin of PNC (26.37%) is better than 66.24% of its industry peers.
In the last couple of years the Profit Margin of PNC has declined.
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) | 26.37% | ||
| 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.
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 7.00. This is a slightly negative value and a sign of low solvency as PNC would need 7.00 years to pay back of all of its debts.
PNC has a worse Debt to FCF ratio (7.00) than 74.17% of its industry peers.
A Debt/Equity ratio of 0.74 indicates that PNC is somewhat dependend on debt financing.
PNC's Debt to Equity ratio of 0.74 is on the low side compared to the rest of the industry. PNC is outperformed by 81.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.74 | ||
| Debt/FCF | 7 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.06%
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 14.08% over the past year.
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 5.84% 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)14.08%
EPS 3Y-1.33%
EPS 5Y4.46%
EPS Q2Q%16%
Revenue 1Y (TTM)5.84%
Revenue growth 3Y3.91%
Revenue growth 5Y5.06%
Sales Q2Q%8.89%
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 5.58% on average per year.
PNC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.93% yearly.
EPS Next Y12.99%
EPS Next 2Y12.41%
EPS Next 3Y11.72%
EPS Next 5Y5.58%
Revenue Next Year6.85%
Revenue Next 2Y7.19%
Revenue Next 3Y6.47%
Revenue Next 5Y2.93%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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.
4. Valuation
4.1 Price/Earnings Ratio
PNC is valuated reasonably with a Price/Earnings ratio of 11.93.
Compared to the rest of the industry, the Price/Earnings ratio of PNC is on the same level as its industry peers.
PNC is valuated cheaply when we compare the Price/Earnings ratio to 26.83, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 10.31 indicates a reasonable valuation of PNC.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PNC is on the same level as its industry peers.
PNC is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.82, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.93 | ||
| Fwd PE | 10.31 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as PNC.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.95 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.92
PEG (5Y)2.68
EPS Next 2Y12.41%
EPS Next 3Y11.72%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.75%, PNC has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.53, PNC pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.34, PNC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.75% |
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 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 49.74% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of PNC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP49.74%
EPS Next 2Y12.41%
EPS Next 3Y11.72%
NYSE:PNC (10/24/2025, 9:42:42 AM)
184.73
+2.78 (+1.53%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners85.59%
Inst Owner Change-0.06%
Ins Owners0.28%
Ins Owner Change-0.98%
Market Cap72.41B
Revenue(TTM)22.59B
Net Income(TTM)5.83B
Analysts78.57
Price Target221.32 (19.81%)
Short Float %1.97%
Short Ratio4.91
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.75% |
Yearly Dividend7.28
Dividend Growth(5Y)8.73%
DP49.74%
Div Incr Years14
Div Non Decr Years14
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.97%
Min EPS beat(2)2.77%
Max EPS beat(2)7.16%
EPS beat(4)4
Avg EPS beat(4)8.67%
Min EPS beat(4)2.77%
Max EPS beat(4)12.65%
EPS beat(8)8
Avg EPS beat(8)7.73%
EPS beat(12)11
Avg EPS beat(12)4.92%
EPS beat(16)14
Avg EPS beat(16)4.71%
Revenue beat(2)0
Avg Revenue beat(2)-0.84%
Min Revenue beat(2)-1.66%
Max Revenue beat(2)-0.02%
Revenue beat(4)1
Avg Revenue beat(4)-0.44%
Min Revenue beat(4)-1.66%
Max Revenue beat(4)0.13%
Revenue beat(8)2
Avg Revenue beat(8)-0.57%
Revenue beat(12)3
Avg Revenue beat(12)-0.67%
Revenue beat(16)4
Avg Revenue beat(16)-0.68%
PT rev (1m)0.56%
PT rev (3m)3.14%
EPS NQ rev (1m)0.72%
EPS NQ rev (3m)1.75%
EPS NY rev (1m)0.11%
EPS NY rev (3m)2.86%
Revenue NQ rev (1m)0.03%
Revenue NQ rev (3m)0.17%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)0.46%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.93 | ||
| Fwd PE | 10.31 | ||
| P/S | 3.27 | ||
| P/FCF | 11.95 | ||
| P/OCF | 11.95 | ||
| P/B | 1.26 | ||
| P/tB | 1.68 | ||
| EV/EBITDA | N/A |
EPS(TTM)15.48
EY8.38%
EPS(NY)17.92
Fwd EY9.7%
FCF(TTM)15.45
FCFY8.37%
OCF(TTM)15.45
OCFY8.37%
SpS56.41
BVpS146.96
TBVpS110.22
PEG (NY)0.92
PEG (5Y)2.68
Graham Number226.24
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.04% | ||
| ROE | 10.12% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 26.37% | ||
| GM | N/A | ||
| FCFM | 27.4% |
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-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.74 | ||
| Debt/FCF | 7 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 103.88% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC13.06%
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)14.08%
EPS 3Y-1.33%
EPS 5Y4.46%
EPS Q2Q%16%
EPS Next Y12.99%
EPS Next 2Y12.41%
EPS Next 3Y11.72%
EPS Next 5Y5.58%
Revenue 1Y (TTM)5.84%
Revenue growth 3Y3.91%
Revenue growth 5Y5.06%
Sales Q2Q%8.89%
Revenue Next Year6.85%
Revenue Next 2Y7.19%
Revenue Next 3Y6.47%
Revenue Next 5Y2.93%
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-51.81%
FCF growth 3Y2.99%
FCF growth 5Y1.37%
OCF growth 1Y-51.81%
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 4 / 10 to PNC.
What is the valuation status for PNC stock?
ChartMill assigns a valuation rating of 5 / 10 to PNC FINANCIAL SERVICES GROUP (PNC). This can be considered as Fairly Valued.
Can you provide the profitability details for PNC FINANCIAL SERVICES GROUP?
PNC FINANCIAL SERVICES GROUP (PNC) has a profitability rating of 4 / 10.
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 12.99% in the next year.
Is the dividend of PNC FINANCIAL SERVICES GROUP sustainable?
The dividend rating of PNC FINANCIAL SERVICES GROUP (PNC) is 7 / 10 and the dividend payout ratio is 49.74%.