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PNC FINANCIAL SERVICES GROUP (PNC) Stock Fundamental Analysis

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

177.85  +0.32 (+0.18%)

After market: 178 +0.15 (+0.08%)

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. PNC has a medium profitability rating, but doesn't score so well on its financial health evaluation. PNC has a decent growth rate and is not valued too expensively. PNC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

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.
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

With a decent Return On Assets value of 1.02%, PNC is doing good in the industry, outperforming 68.86% of the companies in the same industry.
PNC's Return On Equity of 10.03% is fine compared to the rest of the industry. PNC outperforms 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

Looking at the Profit Margin, with a value of 25.87%, PNC is in the better half of the industry, outperforming 64.56% of the companies in the same industry.
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) 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.
PNC has less shares outstanding than it did 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

The Debt to FCF ratio of PNC is 7.61, which is on the high side as it means it would take PNC, 7.61 years of fcf income to pay off all of its debts.
PNC's Debt to FCF ratio of 7.61 is on the low side compared to the rest of the industry. PNC is outperformed by 75.70% of its industry peers.
A Debt/Equity ratio of 0.76 indicates that PNC is somewhat dependend on debt financing.
PNC's Debt to Equity ratio of 0.76 is on the low side compared to the rest of the industry. PNC is outperformed by 81.77% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.76
Debt/FCF 7.61
Altman-Z N/A
ROIC/WACCN/A
WACC13.26%
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

The Earnings Per Share has grown by an nice 9.89% over the past year.
The Earnings Per Share has been growing slightly by 4.46% on average over the past years.
PNC shows a small growth in Revenue. In the last year, the Revenue has grown by 3.95%.
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

The Earnings Per Share is expected to grow by 6.34% on average over the next years.
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

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.
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 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

Based on the Price/Earnings ratio of 12.41, the valuation of PNC can be described as correct.
The rest of the industry has a similar Price/Earnings ratio as PNC.
PNC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.85.
The Price/Forward Earnings ratio is 10.24, which indicates a very decent 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.
Compared to an average S&P500 Price/Forward Earnings ratio of 20.89, PNC is valued rather cheaply.
Industry RankSector Rank
PE 12.41
Fwd PE 10.24
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of PNC is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 12.54
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)1.68
PEG (5Y)2.78
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%.
Compared to an average industry Dividend Yield of 3.42, 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 2.40.
Industry RankSector Rank
Dividend Yield 3.84%

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 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

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 2Y10.65%
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 (5/14/2025, 8:04:00 PM)

After market: 178 +0.15 (+0.08%)

177.85

+0.32 (+0.18%)

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 Cap70.39B
Analysts77.04
Price Target197.15 (10.85%)
Short Float %1.18%
Short Ratio1.68
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 12.41
Fwd PE 10.24
P/S 3.22
P/FCF 12.54
P/OCF 12.54
P/B 1.25
P/tB 1.68
EV/EBITDA N/A
EPS(TTM)14.33
EY8.06%
EPS(NY)17.36
Fwd EY9.76%
FCF(TTM)14.18
FCFY7.97%
OCF(TTM)14.18
OCFY7.97%
SpS55.24
BVpS142.51
TBVpS105.89
PEG (NY)1.68
PEG (5Y)2.78
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
WACC13.26%
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%