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PNC FINANCIAL SERVICES GROUP (PNC) Stock Fundamental Analysis

NYSE:PNC - New York Stock Exchange, Inc. - US6934751057 - Common Stock - Currency: USD

175  +8.56 (+5.14%)

After market: 175.25 +0.25 (+0.14%)

Fundamental Rating

3

PNC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 395 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.


Dividend Valuation Growth Profitability Health

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4

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.
PNC had positive earnings in each of the past 5 years.
In the past 5 years PNC always reported a positive cash flow from operatings.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

1.2 Ratios

PNC's Return On Assets of 1.02% is fine compared to the rest of the industry. PNC outperforms 68.86% of its industry peers.
The Return On Equity of PNC (10.03%) is better than 66.84% of its industry peers.
Industry RankSector 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
PNC Yearly ROA, ROE, ROICPNC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

PNC has a Profit Margin of 25.87%. This is in the better half of the industry: PNC outperforms 64.56% 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 RankSector 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
PNC Yearly Profit, Operating, Gross MarginsPNC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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1

2. Health

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.
Compared to 5 years ago, PNC has less shares outstanding
PNC has a worse debt/assets ratio than last year.
PNC Yearly Shares OutstandingPNC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M
PNC Yearly Total Debt VS Total AssetsPNC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B 400B 500B

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.
PNC has a Debt to FCF ratio of 7.61. This is in the lower half of the industry: PNC underperforms 75.70% of its industry peers.
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 Debt to Equity ratio of 0.76. This is amonst the worse of the industry: PNC underperforms 81.77% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.76
Debt/FCF 7.61
Altman-Z N/A
ROIC/WACCN/A
WACC13.25%
PNC Yearly LT Debt VS Equity VS FCFPNC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

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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.
Looking at the last year, PNC shows a small growth in Revenue. The Revenue has grown by 3.95% in the last year.
Measured over the past years, PNC shows a small growth in Revenue. The Revenue has been growing by 5.06% on average per year.
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

PNC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.34% yearly.
PNC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.81% yearly.
EPS Next Y7.38%
EPS Next 2Y10.65%
EPS Next 3Y10.78%
EPS Next 5Y6.34%
Revenue Next Year5.93%
Revenue Next 2Y5.71%
Revenue Next 3Y5.22%
Revenue Next 5Y2.81%

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.
PNC Yearly Revenue VS EstimatesPNC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 5B 10B 15B 20B 25B
PNC Yearly EPS VS EstimatesPNC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 5 10 15 20

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.21 indicates a correct valuation of PNC.
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 24.83, which is the current average of the S&P500 Index.
PNC is valuated reasonably with a Price/Forward Earnings ratio of 10.08.
PNC's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of PNC to the average of the S&P500 Index (20.94), we can say PNC is valued rather cheaply.
Industry RankSector Rank
PE 12.21
Fwd PE 10.08
PNC Price Earnings VS Forward Price EarningsPNC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

PNC's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 12.34
EV/EBITDA N/A
PNC Per share dataPNC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100

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)1.66
PEG (5Y)2.74
EPS Next 2Y10.65%
EPS Next 3Y10.78%

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5. Dividend

5.1 Amount

PNC has a Yearly Dividend Yield of 3.84%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.42, PNC pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, PNC pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.84%

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 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
PNC Yearly Dividends per sharePNC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6

5.3 Sustainability

PNC pays out 51.18% 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.
DP51.18%
EPS Next 2Y10.65%
EPS Next 3Y10.78%
PNC Yearly Income VS Free CF VS DividendPNC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 FINANCIAL SERVICES GROUP

NYSE:PNC (5/12/2025, 8:04:00 PM)

After market: 175.25 +0.25 (+0.14%)

175

+8.56 (+5.14%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-15 2025-04-15/bmo
Earnings (Next)07-16 2025-07-16/bmo
Inst Owners84.92%
Inst Owner Change1.28%
Ins Owners0.34%
Ins Owner Change3.41%
Market Cap69.26B
Analysts77.04
Price Target197.15 (12.66%)
Short Float %1.26%
Short Ratio1.82
Dividend
Industry RankSector Rank
Dividend Yield 3.84%
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)-7.52%
PT rev (3m)-11.63%
EPS NQ rev (1m)-4.5%
EPS NQ rev (3m)-5.39%
EPS NY rev (1m)-1.72%
EPS NY rev (3m)-2.02%
Revenue NQ rev (1m)-0.68%
Revenue NQ rev (3m)-0.86%
Revenue NY rev (1m)-0.26%
Revenue NY rev (3m)-0.7%
Valuation
Industry RankSector Rank
PE 12.21
Fwd PE 10.08
P/S 3.17
P/FCF 12.34
P/OCF 12.34
P/B 1.23
P/tB 1.65
EV/EBITDA N/A
EPS(TTM)14.33
EY8.19%
EPS(NY)17.36
Fwd EY9.92%
FCF(TTM)14.18
FCFY8.1%
OCF(TTM)14.18
OCFY8.1%
SpS55.24
BVpS142.51
TBVpS105.89
PEG (NY)1.66
PEG (5Y)2.74
Profitability
Industry RankSector 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 RankSector 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
WACC13.25%
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 Y7.38%
EPS Next 2Y10.65%
EPS Next 3Y10.78%
EPS Next 5Y6.34%
Revenue 1Y (TTM)3.95%
Revenue growth 3Y3.91%
Revenue growth 5Y5.06%
Sales Q2Q%5.97%
Revenue Next Year5.93%
Revenue Next 2Y5.71%
Revenue Next 3Y5.22%
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%