PNC FINANCIAL SERVICES GROUP (PNP.DE) Fundamental Analysis & Valuation

FRA:PNP • US6934751057

185 EUR
+1 (+0.54%)
Last: Mar 6, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership

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

Fundamental Rating

3

PNP gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 116 industry peers in the Banks industry. Both the profitability and financial health of PNP have multiple concerns. PNP is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. PNP.DE Profitability Analysis

1.1 Basic Checks

  • In the past year PNP was profitable.
  • In the past year PNP had a positive cash flow from operations.
  • In the past 5 years PNP has always been profitable.
  • PNP had a positive operating cash flow in each of the past 5 years.
PNP.DE Yearly Net Income VS EBIT VS OCF VS FCFPNP.DE 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

  • PNP's Return On Assets of 1.15% is fine compared to the rest of the industry. PNP outperforms 69.83% of its industry peers.
  • Looking at the Return On Equity, with a value of 10.85%, PNP is in line with its industry, outperforming 46.55% of the companies in the same industry.
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
PNP.DE Yearly ROA, ROE, ROICPNP.DE 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

  • PNP has a Profit Margin of 28.47%. This is in the better half of the industry: PNP outperforms 72.41% 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 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
PNP.DE Yearly Profit, Operating, Gross MarginsPNP.DE 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

3

2. PNP.DE Health Analysis

2.1 Basic Checks

  • PNP does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for PNP has been reduced compared to 1 year ago.
  • PNP has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, PNP has a worse debt to assets ratio.
PNP.DE Yearly Shares OutstandingPNP.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M
PNP.DE Yearly Total Debt VS Total AssetsPNP.DE 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 PNP is 10.06, which is on the high side as it means it would take PNP, 10.06 years of fcf income to pay off all of its debts.
  • PNP has a better Debt to FCF ratio (10.06) than 79.31% of its industry peers.
  • PNP has a Debt/Equity ratio of 0.73. This is a neutral value indicating PNP is somewhat dependend on debt financing.
  • PNP has a Debt to Equity ratio of 0.73. This is in the better half of the industry: PNP outperforms 78.45% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.73
Debt/FCF 10.06
Altman-Z N/A
ROIC/WACCN/A
WACC12.21%
PNP.DE Yearly LT Debt VS Equity VS FCFPNP.DE 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
PNP.DE Yearly Current Assets VS Current LiabilitesPNP.DE 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. PNP.DE Growth Analysis

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.
  • The Revenue has been growing slightly by 7.16% in the past year.
  • PNP 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

  • PNP 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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
PNP.DE Yearly Revenue VS EstimatesPNP.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 10B 20B 30B
PNP.DE Yearly EPS VS EstimatesPNP.DE 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. PNP.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 12.89, which indicates a correct valuation of PNP.
  • Based on the Price/Earnings ratio, PNP is valued a bit more expensive than the industry average as 77.59% of the companies are valued more cheaply.
  • PNP is valuated cheaply when we compare the Price/Earnings ratio to 26.29, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 11.49, which indicates a very decent valuation of PNP.
  • Based on the Price/Forward Earnings ratio, PNP is valued a bit more expensive than 66.38% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 24.60. PNP is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.89
Fwd PE 11.49
PNP.DE Price Earnings VS Forward Price EarningsPNP.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of PNP is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 19.68
EV/EBITDA N/A
PNP.DE Per share dataPNP.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

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)1.06
PEG (5Y)0.65
EPS Next 2Y12.19%
EPS Next 3Y10.96%

More info and screens

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

4

5. PNP.DE Dividend Analysis

5.1 Amount

  • PNP has a Yearly Dividend Yield of 3.20%.
  • PNP's Dividend Yield is slightly below the industry average, which is at 4.56.
  • Compared to an average S&P500 Dividend Yield of 1.82, PNP pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.2%

5.2 History

  • On average, the dividend of PNP grows each year by 7.74%, which is quite nice.
Dividend Growth(5Y)7.74%
Div Incr YearsN/A
Div Non Decr YearsN/A
PNP.DE Yearly Dividends per sharePNP.DE Yearly Dividends per shareYearly Dividends per share 2021 2022 2025 2026 1 2 3 4

5.3 Sustainability

  • 44.75% of the earnings are spent on dividend by PNP. 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.
DP44.75%
EPS Next 2Y12.19%
EPS Next 3Y10.96%
PNP.DE Yearly Income VS Free CF VS DividendPNP.DE 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
PNP.DE Dividend Payout.PNP.DE Dividend Payout, showing the Payout Ratio.PNP.DE Dividend Payout.PayoutRetained Earnings

More info and screens

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PNP.DE Fundamentals: All Metrics, Ratios and Statistics

PNC FINANCIAL SERVICES GROUP

FRA:PNP (3/6/2026, 7:00:00 PM)

185

+1 (+0.54%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-16
Earnings (Next)04-15
Inst Owners85.63%
Inst Owner ChangeN/A
Ins Owners0.28%
Ins Owner ChangeN/A
Market Cap74.62B
Revenue(TTM)23.10B
Net Income(TTM)6.58B
Analysts78.62
Price Target202.41 (9.41%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.2%
Yearly Dividend6.47
Dividend Growth(5Y)7.74%
DP44.75%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
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)-0.87%
Revenue beat(16)5
Avg Revenue beat(16)-0.8%
PT rev (1m)0%
PT rev (3m)4.45%
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 12.89
Fwd PE 11.49
P/S 3.73
P/FCF 19.68
P/OCF 19.68
P/B 1.42
P/tB 1.88
EV/EBITDA N/A
EPS(TTM)14.35
EY7.76%
EPS(NY)16.1
Fwd EY8.7%
FCF(TTM)9.4
FCFY5.08%
OCF(TTM)9.4
OCFY5.08%
SpS49.53
BVpS129.92
TBVpS98.57
PEG (NY)1.06
PEG (5Y)0.65
Graham Number204.81
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
WACC12.21%
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 / 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 12.19% in the next year.