PNC FINANCIAL SERVICES GROUP (PNC) Stock Fundamental Analysis

NYSE:PNC • US6934751057

229.32 USD
-0.36 (-0.16%)
At close: Feb 13, 2026
229.59 USD
+0.27 (+0.12%)
After Hours: 2/13/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

PNC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. PNC may be in some trouble as it scores bad on both profitability and health. PNC is valied quite expensively at the moment, while it does show a decent growth rate. PNC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

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.
  • PNC had positive earnings in each of the past 5 years.
  • PNC had a positive operating cash flow in 4 of the past 5 years.
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 1.08%, PNC is doing good in the industry, outperforming 68.77% 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 66.93% of its industry peers.
Industry RankSector Rank
ROA 1.08%
ROE 10.44%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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

  • With a decent Profit Margin value of 27.26%, PNC is doing good in the industry, outperforming 66.14% of the companies in the same industry.
  • 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 RankSector Rank
OM N/A
PM (TTM) 27.26%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
PNC Yearly Shares OutstandingPNC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 100B 200B 300B 400B 500B

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.
  • PNC has a worse Debt to FCF ratio (8.52) than 76.90% of its industry peers.
  • A Debt/Equity ratio of 0.78 indicates that PNC is somewhat dependend on debt financing.
  • PNC's Debt to Equity ratio of 0.78 is on the low side compared to the rest of the industry. PNC is outperformed by 81.89% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.78
Debt/FCF 8.52
Altman-Z N/A
ROIC/WACCN/A
WACC12.23%
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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

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

4

3. Growth

3.1 Past

  • PNC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.00%, which is quite good.
  • Measured over the past years, PNC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 19.88% on average per year.
  • Looking at the last year, PNC shows a small growth in Revenue. The Revenue has grown by 7.16% in the last year.
  • PNC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.45% yearly.
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

  • Based on estimates for the next years, PNC will show a small growth in Earnings Per Share. The EPS will grow by 5.36% on average per year.
  • The Revenue is expected to grow by 4.42% on average over the next years.
EPS Next Y12.61%
EPS Next 2Y11.89%
EPS Next 3Y10.31%
EPS Next 5Y5.36%
Revenue Next Year11.66%
Revenue Next 2Y8.06%
Revenue Next 3Y6.59%
Revenue Next 5Y4.42%

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 decreasing.
  • 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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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 13.82, the valuation of PNC can be described as correct.
  • PNC's Price/Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Earnings ratio is at 26.68. PNC is valued slightly cheaper when compared to this.
  • Based on the Price/Forward Earnings ratio of 12.28, the valuation of PNC can be described as correct.
  • Based on the Price/Forward Earnings ratio, PNC is valued a bit more expensive than 60.10% of the companies in the same industry.
  • PNC is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.06, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13.82
Fwd PE 12.28
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

  • PNC's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. PNC is more expensive than 64.83% of the companies in the same industry.
Industry RankSector Rank
P/FCF 16.48
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

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.1
PEG (5Y)0.7
EPS Next 2Y11.89%
EPS Next 3Y10.31%

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

7

5. Dividend

5.1 Amount

  • PNC has a Yearly Dividend Yield of 2.96%.
  • PNC's Dividend Yield is a higher than the industry average which is at 2.78.
  • PNC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.84.
Industry RankSector Rank
Dividend Yield 2.96%

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6

5.3 Sustainability

  • 47.44% of the earnings are spent on dividend by PNC. 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 2Y11.89%
EPS Next 3Y10.31%
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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Find the best dividend stocksShow peers with best dividend

PNC FINANCIAL SERVICES GROUP

NYSE:PNC (2/13/2026, 8:04:00 PM)

After market: 229.59 +0.27 (+0.12%)

229.32

-0.36 (-0.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-16
Earnings (Next)04-15
Inst Owners87.68%
Inst Owner Change-89.06%
Ins Owners0.28%
Ins Owner Change0%
Market Cap89.43B
Revenue(TTM)23.10B
Net Income(TTM)6.16B
Analysts77.93
Price Target249.05 (8.6%)
Short Float %1.4%
Short Ratio2.35
Dividend
Industry RankSector Rank
Dividend Yield 2.96%
Yearly Dividend7.28
Dividend Growth(5Y)8.73%
DP47.44%
Div Incr Years14
Div Non Decr Years14
Ex-Date01-20
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)6.49%
EPS beat(16)14
Avg EPS beat(16)5.86%
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)8.5%
PT rev (3m)10.06%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.58%
EPS NY rev (1m)3.82%
EPS NY rev (3m)4.16%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.77%
Revenue NY rev (1m)2.82%
Revenue NY rev (3m)3.8%
Valuation
Industry RankSector Rank
PE 13.82
Fwd PE 12.28
P/S 3.96
P/FCF 16.48
P/OCF 16.48
P/B 1.52
P/tB 2.01
EV/EBITDA N/A
EPS(TTM)16.59
EY7.23%
EPS(NY)18.68
Fwd EY8.15%
FCF(TTM)13.92
FCFY6.07%
OCF(TTM)13.92
OCFY6.07%
SpS57.94
BVpS151.26
TBVpS113.85
PEG (NY)1.1
PEG (5Y)0.7
Graham Number237.61
Profitability
Industry RankSector 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)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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 0.78
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
WACC12.23%
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)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)17%
EPS 3Y6.15%
EPS 5Y19.88%
EPS Q2Q%29.44%
EPS Next Y12.61%
EPS Next 2Y11.89%
EPS Next 3Y10.31%
EPS Next 5Y5.36%
Revenue 1Y (TTM)7.16%
Revenue growth 3Y3.03%
Revenue growth 5Y6.45%
Sales Q2Q%9.05%
Revenue Next Year11.66%
Revenue Next 2Y8.06%
Revenue Next 3Y6.59%
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-50.41%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-50.41%
OCF growth 3YN/A
OCF growth 5YN/A

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.


Can you provide the valuation status for PNC FINANCIAL SERVICES GROUP?

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


Can you provide the profitability details for PNC FINANCIAL SERVICES GROUP?

PNC FINANCIAL SERVICES GROUP (PNC) has a profitability rating of 3 / 10.


What are the PE and PB ratios of PNC FINANCIAL SERVICES GROUP (PNC) stock?

The Price/Earnings (PE) ratio for PNC FINANCIAL SERVICES GROUP (PNC) is 13.82 and the Price/Book (PB) ratio is 1.52.


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 12.61% in the next year.