PNC FINANCIAL SERVICES GROUP (PNC) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:PNC - US6934751057 - Common Stock
192.38 USD
-0.02 (-0.01%)
Overall PNC gets a fundamental rating of 3 out of 10. We evaluated PNC against 387 industry peers in the Banks industry. There are concerns on the financial health of PNC while its profitability can be described as average. PNC is not valued too expensively and it also shows a decent 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.
Each year in the past 5 years PNC has been profitable.
PNC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a decent Return On Assets value of 1.08%, PNC is doing good in the industry, outperforming 70.03% of the companies in the same industry.
PNC's Return On Equity of 10.44% is fine compared to the rest of the industry. PNC outperforms 67.18% of its industry peers.
| 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's Profit Margin of 27.26% is fine compared to the rest of the industry. PNC outperforms 67.70% 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) | 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.
Compared to 1 year ago, PNC has less shares outstanding
PNC has less shares outstanding than it did 5 years ago.
The debt/assets ratio for PNC is higher compared to a year ago.
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.
Looking at the Debt to FCF ratio, with a value of 8.52, PNC is doing worse than 75.97% of the companies in the same industry.
A Debt/Equity ratio of 0.78 indicates that PNC is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.78, PNC is doing worse than 83.46% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.78 | ||
| Debt/FCF | 8.52 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.82%
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.
PNC shows a small growth in Revenue. In the last year, the Revenue has grown by 5.84%.
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
PNC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.79% yearly.
The Revenue is expected to grow by 3.29% on average over the next years.
EPS Next Y13.04%
EPS Next 2Y12.46%
EPS Next 3Y11.98%
EPS Next 5Y4.79%
Revenue Next Year6.85%
Revenue Next 2Y7.32%
Revenue Next 3Y6.64%
Revenue Next 5Y3.29%
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 stable.
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
A Price/Earnings ratio of 12.43 indicates a correct valuation of PNC.
PNC's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of PNC to the average of the S&P500 Index (26.11), we can say PNC is valued rather cheaply.
The Price/Forward Earnings ratio is 10.73, which indicates a very decent valuation of PNC.
PNC's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 36.21. PNC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.43 | ||
| Fwd PE | 10.73 |
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 | 13.9 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PNC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.95
PEG (5Y)2.79
EPS Next 2Y12.46%
EPS Next 3Y11.98%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.54%, PNC has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.15, PNC pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.32, PNC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.54% |
5.2 History
The dividend of PNC is nicely growing with an annual growth rate of 8.73%!
PNC has been paying a dividend for at least 10 years, so it has 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.
The dividend of PNC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP47.44%
EPS Next 2Y12.46%
EPS Next 3Y11.98%
NYSE:PNC (12/2/2025, 10:30:52 AM)
192.38
-0.02 (-0.01%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners85.59%
Inst Owner Change1.37%
Ins Owners0.28%
Ins Owner Change-0.68%
Market Cap75.44B
Revenue(TTM)22.59B
Net Income(TTM)6.16B
Analysts78.57
Price Target225.67 (17.3%)
Short Float %1.63%
Short Ratio3.17
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.54% |
Yearly Dividend7.28
Dividend Growth(5Y)8.73%
DP47.44%
Div Incr Years14
Div Non Decr Years14
Ex-Date
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)5.32%
EPS beat(16)14
Avg EPS beat(16)4.98%
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)1.96%
PT rev (3m)2.94%
EPS NQ rev (1m)0.18%
EPS NQ rev (3m)-0.9%
EPS NY rev (1m)0.04%
EPS NY rev (3m)2.17%
Revenue NQ rev (1m)0.03%
Revenue NQ rev (3m)-0.52%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.43 | ||
| Fwd PE | 10.73 | ||
| P/S | 3.34 | ||
| P/FCF | 13.9 | ||
| P/OCF | 13.9 | ||
| P/B | 1.28 | ||
| P/tB | 1.7 | ||
| EV/EBITDA | N/A |
EPS(TTM)15.48
EY8.05%
EPS(NY)17.94
Fwd EY9.32%
FCF(TTM)13.84
FCFY7.19%
OCF(TTM)13.84
OCFY7.19%
SpS57.62
BVpS150.42
TBVpS113.22
PEG (NY)0.95
PEG (5Y)2.79
Graham Number228.89
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
WACC12.82%
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 Y13.04%
EPS Next 2Y12.46%
EPS Next 3Y11.98%
EPS Next 5Y4.79%
Revenue 1Y (TTM)5.84%
Revenue growth 3Y3.91%
Revenue growth 5Y5.06%
Sales Q2Q%8.89%
Revenue Next Year6.85%
Revenue Next 2Y7.32%
Revenue Next 3Y6.64%
Revenue Next 5Y3.29%
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.
What is the valuation status for PNC stock?
ChartMill assigns a valuation rating of 4 / 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 13.04% 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 47.44%.