PNC FINANCIAL SERVICES GROUP (PNC) Fundamental Analysis & Valuation

NYSE:PNC • US6934751057

205.64 USD
-0.75 (-0.36%)
At close: Mar 11, 2026
205.64 USD
0 (0%)
After Hours: 3/11/2026, 8:19:51 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This PNC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

Taking everything into account, PNC scores 3 out of 10 in our fundamental rating. PNC was compared to 381 industry peers in the Banks industry. There are concerns on the financial health of PNC while its profitability can be described as average. PNC has a decent growth rate and is not valued too expensively. PNC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. PNC Profitability Analysis

1.1 Basic Checks

  • PNC had positive earnings in the past year.
  • PNC had a positive operating cash flow in the past year.
  • PNC had positive earnings in each of the past 5 years.
  • Each year in the past 5 years PNC had a positive operating cash flow.
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

  • The Return On Assets of PNC (1.15%) is better than 70.34% of its industry peers.
  • PNC has a Return On Equity of 10.85%. This is in the better half of the industry: PNC outperforms 70.34% of its industry peers.
Industry RankSector Rank
ROA 1.15%
ROE 10.85%
ROIC N/A
ROA(3y)1.01%
ROA(5y)1.01%
ROE(3y)10.33%
ROE(5y)10.63%
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

  • PNC's Profit Margin of 28.47% is fine compared to the rest of the industry. PNC outperforms 69.55% 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 RankSector Rank
OM N/A
PM (TTM) 28.47%
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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1

2. PNC Health Analysis

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
  • The debt/assets ratio for PNC is higher compared to a year ago.
PNC Yearly Shares OutstandingPNC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 100B 200B 300B 400B 500B

2.2 Solvency

  • The Debt to FCF ratio of PNC is 10.06, which is on the high side as it means it would take PNC, 10.06 years of fcf income to pay off all of its debts.
  • PNC's Debt to FCF ratio of 10.06 is on the low side compared to the rest of the industry. PNC is outperformed by 77.69% of its industry peers.
  • PNC has a Debt/Equity ratio of 0.73. This is a neutral value indicating PNC is somewhat dependend on debt financing.
  • PNC has a worse Debt to Equity ratio (0.73) than 82.15% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.73
Debt/FCF 10.06
Altman-Z N/A
ROIC/WACCN/A
WACC11.93%
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 2025 20B 40B 60B

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 2025 5B 10B 15B

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

4

3. PNC Growth Analysis

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.
  • PNC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 19.88% yearly.
  • PNC shows a small growth in Revenue. In the last year, the Revenue has grown by 7.16%.
  • 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

  • PNC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.36% yearly.
  • The Revenue is expected to grow by 4.42% on average over the next years.
EPS Next Y12.19%
EPS Next 2Y12.19%
EPS Next 3Y10.96%
EPS Next 5Y5.36%
Revenue Next Year11.77%
Revenue Next 2Y8.13%
Revenue Next 3Y6.64%
Revenue Next 5Y4.42%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less 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 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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4

4. PNC Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 12.40, 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 26.15. PNC is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 11.05, the valuation of PNC can be described as reasonable.
  • 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 (24.27), we can say PNC is valued rather cheaply.
Industry RankSector Rank
PE 12.4
Fwd PE 11.05
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

  • Based on the Price/Free Cash Flow ratio, PNC is valued a bit more expensive than 72.18% of the companies in the same industry.
Industry RankSector Rank
P/FCF 18.92
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

  • PNC's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.02
PEG (5Y)0.62
EPS Next 2Y12.19%
EPS Next 3Y10.96%

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

7

5. PNC Dividend Analysis

5.1 Amount

  • PNC has a Yearly Dividend Yield of 3.20%. Purely for dividend investing, there may be better candidates out there.
  • PNC's Dividend Yield is a higher than the industry average which is at 2.86.
  • Compared to an average S&P500 Dividend Yield of 1.82, PNC pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.2%

5.2 History

  • The dividend of PNC is nicely growing with an annual growth rate of 7.74%!
  • 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)7.74%
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

  • PNC pays out 44.75% 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.
DP44.75%
EPS Next 2Y12.19%
EPS Next 3Y10.96%
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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PNC Fundamentals: All Metrics, Ratios and Statistics

PNC FINANCIAL SERVICES GROUP

NYSE:PNC (3/11/2026, 8:19:51 PM)

After market: 205.64 0 (0%)

205.64

-0.75 (-0.36%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-16
Earnings (Next)04-15
Inst Owners85.63%
Inst Owner Change0.27%
Ins Owners0.28%
Ins Owner Change1.47%
Market Cap82.95B
Revenue(TTM)23.10B
Net Income(TTM)6.58B
Analysts78.62
Price Target252.99 (23.03%)
Short Float %1.84%
Short Ratio2.71
Dividend
Industry RankSector Rank
Dividend Yield 3.2%
Yearly Dividend7.49
Dividend Growth(5Y)7.74%
DP44.75%
Div Incr Years14
Div Non Decr Years14
Ex-Date01-20
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10.46%
Min EPS beat(2)6.35%
Max EPS beat(2)14.57%
EPS beat(4)4
Avg EPS beat(4)7.71%
Min EPS beat(4)2.77%
Max EPS beat(4)14.57%
EPS beat(8)8
Avg EPS beat(8)9.47%
EPS beat(12)12
Avg EPS beat(12)8.79%
EPS beat(16)15
Avg EPS beat(16)7.42%
Revenue beat(2)2
Avg Revenue beat(2)0.68%
Min Revenue beat(2)0.44%
Max Revenue beat(2)0.91%
Revenue beat(4)2
Avg Revenue beat(4)-0.08%
Min Revenue beat(4)-1.66%
Max Revenue beat(4)0.91%
Revenue beat(8)3
Avg Revenue beat(8)-0.4%
Revenue beat(12)4
Avg Revenue beat(12)-0.67%
Revenue beat(16)5
Avg Revenue beat(16)-0.66%
PT rev (1m)1.58%
PT rev (3m)12.35%
EPS NQ rev (1m)-0.33%
EPS NQ rev (3m)2%
EPS NY rev (1m)-0.37%
EPS NY rev (3m)3.67%
Revenue NQ rev (1m)0.17%
Revenue NQ rev (3m)5.18%
Revenue NY rev (1m)0.09%
Revenue NY rev (3m)3.82%
Valuation
Industry RankSector Rank
PE 12.4
Fwd PE 11.05
P/S 3.59
P/FCF 18.92
P/OCF 18.92
P/B 1.37
P/tB 1.8
EV/EBITDA N/A
EPS(TTM)16.59
EY8.07%
EPS(NY)18.61
Fwd EY9.05%
FCF(TTM)10.87
FCFY5.29%
OCF(TTM)10.87
OCFY5.29%
SpS57.27
BVpS150.2
TBVpS113.96
PEG (NY)1.02
PEG (5Y)0.62
Graham Number236.78
Profitability
Industry RankSector Rank
ROA 1.15%
ROE 10.85%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.47%
GM N/A
FCFM 18.98%
ROA(3y)1.01%
ROA(5y)1.01%
ROE(3y)10.33%
ROE(5y)10.63%
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 0.73
Debt/FCF 10.06
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 66.67%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC11.93%
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)135.76%
Profit Quality(5y)139.96%
High Growth Momentum
Growth
EPS 1Y (TTM)17%
EPS 3Y6.15%
EPS 5Y19.88%
EPS Q2Q%29.44%
EPS Next Y12.19%
EPS Next 2Y12.19%
EPS Next 3Y10.96%
EPS Next 5Y5.36%
Revenue 1Y (TTM)7.16%
Revenue growth 3Y3.03%
Revenue growth 5Y6.45%
Sales Q2Q%9.05%
Revenue Next Year11.77%
Revenue Next 2Y8.13%
Revenue Next 3Y6.64%
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-44.37%
FCF growth 3Y-21.56%
FCF growth 5Y-1.21%
OCF growth 1Y-44.37%
OCF growth 3Y-21.56%
OCF growth 5Y-1.21%

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 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 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 12.4 and the Price/Book (PB) ratio is 1.37.


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 12.19% in the next year.