PNC FINANCIAL SERVICES GROUP (PNP.DE) Stock Fundamental Analysis
FRA:PNP • US6934751057
184 EUR
-12 (-6.12%)
Last: Feb 25, 2026, 07:00 PM
Overall PNP gets a fundamental rating of 3 out of 10. We evaluated PNP against 108 industry peers in the Banks industry. PNP may be in some trouble as it scores bad on both profitability and health. PNP has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- PNP had positive earnings in the past year.
- In the past year PNP had a positive cash flow from operations.
- Each year in the past 5 years PNP has been profitable.
- Of the past 5 years PNP 4 years had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of PNP (1.08%) is better than 63.89% of its industry peers.
- PNP has a Return On Equity (10.44%) which is in line with its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- PNP has a Profit Margin of 27.26%. This is in the better half of the industry: PNP outperforms 71.30% of its industry peers.
- PNP's Profit Margin has declined in the last couple of years.
- PNP does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
- PNP does not have a ROIC to compare to the WACC, probably because it is not profitable.
- PNP has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
- The Debt to FCF ratio of PNP is 8.52, which is on the high side as it means it would take PNP, 8.52 years of fcf income to pay off all of its debts.
- PNP has a better Debt to FCF ratio (8.52) than 85.19% of its industry peers.
- A Debt/Equity ratio of 0.78 indicates that PNP is somewhat dependend on debt financing.
- The Debt to Equity ratio of PNP (0.78) is better than 77.78% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.78 | ||
| Debt/FCF | 8.52 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.85%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- PNP 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, PNP shows a quite strong growth in Earnings Per Share. The EPS has been growing by 19.88% on average per year.
- PNP shows a small growth in Revenue. In the last year, the Revenue has grown by 7.16%.
- The Revenue has been growing slightly by 6.45% on average over the past years.
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
- The Earnings Per Share is expected to grow by 5.36% on average over the next years.
- PNP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.42% yearly.
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
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 13.11, which indicates a correct valuation of PNP.
- 75.00% of the companies in the same industry are cheaper than PNP, based on the Price/Earnings ratio.
- PNP is valuated cheaply when we compare the Price/Earnings ratio to 27.10, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 11.64, the valuation of PNP can be described as reasonable.
- PNP's Price/Forward Earnings is on the same level as the industry average.
- PNP 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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.11 | ||
| Fwd PE | 11.64 |
4.2 Price Multiples
- 64.81% of the companies in the same industry are more expensive than PNP, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.62 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- PNP's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.04
PEG (5Y)0.66
EPS Next 2Y11.89%
EPS Next 3Y10.31%
5. Dividend
5.1 Amount
- PNP has a Yearly Dividend Yield of 2.96%.
- Compared to an average industry Dividend Yield of 4.34, PNP is paying slightly less dividend.
- Compared to an average S&P500 Dividend Yield of 1.83, PNP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.96% |
5.2 History
- The dividend of PNP is nicely growing with an annual growth rate of 8.73%!
Dividend Growth(5Y)8.73%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
- PNP pays out 47.44% of its income as dividend. This is a bit on the high side, but may be sustainable.
- The dividend of PNP 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%
FRA:PNP (2/25/2026, 7:00:00 PM)
184
-12 (-6.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-16 2026-01-16/bmo
Earnings (Next)04-15 2026-04-15
Inst Owners87.68%
Inst Owner ChangeN/A
Ins Owners0.28%
Ins Owner ChangeN/A
Market Cap71.76B
Revenue(TTM)23.10B
Net Income(TTM)6.16B
Analysts77.93
Price Target202.41 (10.01%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.96% |
Yearly Dividend6.14
Dividend Growth(5Y)8.73%
DP47.44%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
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)-0.95%
Revenue beat(16)4
Avg Revenue beat(16)-0.95%
PT rev (1m)-1.85%
PT rev (3m)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)2.73%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.11 | ||
| Fwd PE | 11.64 | ||
| P/S | 3.75 | ||
| P/FCF | 15.62 | ||
| P/OCF | 15.62 | ||
| P/B | 1.44 | ||
| P/tB | 1.91 | ||
| EV/EBITDA | N/A |
EPS(TTM)14.04
EY7.63%
EPS(NY)15.81
Fwd EY8.59%
FCF(TTM)11.78
FCFY6.4%
OCF(TTM)11.78
OCFY6.4%
SpS49.04
BVpS128.03
TBVpS96.37
PEG (NY)1.04
PEG (5Y)0.66
Graham Number201.11
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)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 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
WACC12.85%
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 / PNP.DE FAQ
What is the ChartMill fundamental rating of PNC FINANCIAL SERVICES GROUP (PNP.DE) stock?
ChartMill assigns a fundamental rating of 3 / 10 to PNP.DE.
Can you provide the valuation status for PNC FINANCIAL SERVICES GROUP?
ChartMill assigns a valuation rating of 4 / 10 to PNC FINANCIAL SERVICES GROUP (PNP.DE). This can be considered as Fairly Valued.
Can you provide the profitability details for PNC FINANCIAL SERVICES GROUP?
PNC FINANCIAL SERVICES GROUP (PNP.DE) has a profitability rating of 3 / 10.
Can you provide the financial health for PNP stock?
The financial health rating of PNC FINANCIAL SERVICES GROUP (PNP.DE) is 3 / 10.
What is the expected EPS growth for PNC FINANCIAL SERVICES GROUP (PNP.DE) stock?
The Earnings per Share (EPS) of PNC FINANCIAL SERVICES GROUP (PNP.DE) is expected to grow by 12.61% in the next year.