PNC FINANCIAL SERVICES GROUP (PNP.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:PNP - US6934751057 - Common Stock
192 EUR
+1 (+0.52%)
PNP gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 114 industry peers in the Banks industry. PNP has a bad profitability rating. Also its financial health evaluation is rather negative. PNP has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- In the past year PNP was profitable.
- PNP had a positive operating cash flow in the past year.
- PNP had positive earnings in each of the past 5 years.
- PNP had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- PNP's Return On Assets of 1.08% is fine compared to the rest of the industry. PNP outperforms 67.54% of its industry peers.
- The Return On Equity of PNP (10.44%) is comparable to the rest of the industry.
| 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's Profit Margin of 27.26% is fine compared to the rest of the industry. PNP outperforms 73.68% of its industry peers.
- In the last couple of years the Profit Margin of PNP has declined.
- 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.
- There is no outstanding debt for PNP. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and 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.
- The Debt to FCF ratio of PNP (8.52) is better than 81.58% of its industry peers.
- PNP has a Debt/Equity ratio of 0.78. This is a neutral value indicating PNP is somewhat dependend on debt financing.
- PNP's Debt to Equity ratio of 0.78 is amongst the best of the industry. PNP outperforms 80.70% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.78 | ||
| Debt/FCF | 8.52 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.92%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 17.00% over the past year.
- The Earnings Per Share has been growing by 19.88% on average over the past years. This is quite good.
- 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
- Based on estimates for the next years, PNP will show a small growth in Earnings Per Share. The EPS will grow by 1.94% on average per year.
- PNP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.37% yearly.
EPS Next Y9.62%
EPS Next 2Y10.05%
EPS Next 3Y7.08%
EPS Next 5Y1.94%
Revenue Next Year11.69%
Revenue Next 2Y8.16%
Revenue Next 3Y6.88%
Revenue Next 5Y2.37%
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.
- 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 13.59, which indicates a correct valuation of PNP.
- 80.70% of the companies in the same industry are cheaper than PNP, based on the Price/Earnings ratio.
- When comparing the Price/Earnings ratio of PNP to the average of the S&P500 Index (27.21), we can say PNP is valued rather cheaply.
- With a Price/Forward Earnings ratio of 12.40, PNP is valued correctly.
- 74.56% of the companies in the same industry are cheaper than PNP, based on the Price/Forward Earnings ratio.
- The average S&P500 Price/Forward Earnings ratio is at 25.98. PNP is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.59 | ||
| Fwd PE | 12.4 |
4.2 Price Multiples
- 63.16% 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 | 16.29 | ||
| 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)1.41
PEG (5Y)0.68
EPS Next 2Y10.05%
EPS Next 3Y7.08%
5. Dividend
5.1 Amount
- PNP has a Yearly Dividend Yield of 3.06%.
- Compared to an average industry Dividend Yield of 3.93, PNP is paying slightly less dividend.
- Compared to an average S&P500 Dividend Yield of 1.81, PNP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.06% |
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.
- PNP's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP47.44%
EPS Next 2Y10.05%
EPS Next 3Y7.08%
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 9.62% in the next year.