PNC Stock Analysis: PNC Financial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 95.599m USD | 12M Return: 21.9% | US6934751057 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 339M
EPS Trend: 81.7%
Qual. Beats: 1
Rev. Trend: 84.2%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
PNC Financial Services Group is a diversified U.S. financial services company headquartered in Pittsburgh, Pennsylvania, operating through three main segments: Retail Banking, Corporate & Institutional Banking, and Asset Management Group. Founded in 1865, the company serves consumer and small business customers, mid-sized and large corporations, government and not-for-profit entities, and high net worth individuals across the country.
The Retail Banking segment provides deposit products, residential mortgages, home equity, auto, credit card, education, and small business loans, along with brokerage, insurance, and cash management services delivered through branches, digital channels, ATMs, and phone-based contact centers. The Corporate & Institutional Banking segment offers secured and unsecured loans, equipment leasing, treasury management, international payments, securities underwriting, loan syndications, and M&A and equity capital markets advisory services. The Asset Management Group focuses on investment and retirement planning, customized investment management, trust administration, multi-generational family planning, and institutional services such as outsourced CIO and custody.
As a company classified within the GICS Regional Banks sub-industry, PNC competes in a sector that typically serves defined geographic markets with a mix of consumer, commercial, and wealth management offerings. Its three-segment structure reflects a common business model among large U.S. regional banks, blending traditional spread-based lending and deposit gathering with fee-generating treasury, capital markets, and asset management services to diversify revenue streams.
- Net interest margin compression pressures earnings as Fed cuts rates
- Asset Management Group fees decline on equity market weakness
- Capital return to shareholders continues with steady buybacks and dividends
| Net Income: 7.63b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.13 > 1.0 |
| NWC/Revenue: -933.7% < 20% (prev -1.12k%; Δ 189.5% < -1%) |
| CFO/TA 0.01 > 3% & CFO 7.49b > Net Income 7.63b |
| Net Debt (-89.7b) to EBITDA (9.77b): -9.18 < 3 |
| Current Ratio: 0.35 > 1.5 & < 3 |
| Outstanding Shares: last quarter (403.9m) vs 12m ago 1.75% < -2% |
| Gross Margin: 67.91% > 18% (prev 62.74%; Δ 5.17% > 0.5%) |
| Asset Turnover: 5.98% > 50% (prev 6.05%; Δ -0.07% > 0%) |
| Interest Coverage Ratio: 0.89 > 6 (EBIT TTM 9.39b / Interest Expense TTM 10.6b) |
| A: -0.53 (Total Current Assets 178b - Total Current Liabilities 506b) / Total Assets 616b |
| B: 0.11 (Retained Earnings 65.5b / Total Assets 616b) |
| C: 0.02 (EBIT TTM 9.39b / Avg Total Assets 588b) |
| D: 0.12 (Book Value of Equity 64.0b / Total Liabilities 552b) |
| Altman-Z'' = -2.92 = D |
As of September 03, 2026, the stock is trading at USD 242.46 with a total of 1,383,885 shares traded. Over the past week, the price has changed by -0.90%, over one month by -3.68%, over three months by +10.59% and over the past year by +21.93%.
Current recommended Stop Loss: 236.80 (which is 2.3% or 1.3 ATR below the current price).
PNC Financial has received a consensus analysts rating of 3.96. Therefore, it is recommended to buy PNC.
- StrongBuy: 11
- Buy: 3
- Hold: 7
- Sell: 1
- StrongSell: 1
| Analysts Target Price | 277.7 | 14.5% |
P/E Trailing = 13.335
P/E Forward = 13.0039
P/S = 3.931
P/B = 1.5177
P/EG = 1.9135
Revenue TTM = 35.2b USD
EBIT TTM = 9.39b USD
EBITDA TTM = 9.77b USD
Long Term Debt = 85.7b USD (from longTermDebt, last quarter)
Short Term Debt = 40.4b USD (from shortTermDebt, last quarter)
Debt = 87.9b USD (from shortLongTermDebtTotal, last quarter) + Leases 2.22b
Net Debt = -89.7b USD (calculated: Debt 87.9b - CCE 178b)
Enterprise Value = 5.88b USD (95.6b + Debt 87.9b - CCE 178b)
Interest Coverage Ratio = 0.89 (Ebit TTM 9.39b / Interest Expense TTM 10.6b)
EV/FCF = 0.79x (Enterprise Value 5.88b / FCF TTM 7.49b)
FCF Yield = 127.2% (FCF TTM 7.49b / Enterprise Value 5.88b)
FCF Margin = 21.30% (FCF TTM 7.49b / Revenue TTM 35.2b)
Net Margin = 21.70% (Net Income TTM 7.63b / Revenue TTM 35.2b)
Gross Margin = 67.91% ((Revenue TTM 35.2b - Cost of Revenue TTM 11.3b) / Revenue TTM)
Gross Margin QoQ = 69.17% (prev 68.92%)
Tobins Q-Ratio = 0.01 (Enterprise Value 5.88b / Total Assets 616b)
Interest Expense / Debt = 12.05% (Interest Expense 10.6b / Debt 87.9b)
Taxrate = 18.18% (1.71b / 9.39b)
NOPAT = 7.68b (EBIT 9.39b * (1 - 18.18%))
Current Ratio = 0.35 (Total Current Assets 178b / Total Current Liabilities 506b)
Debt / Equity = 1.37 (Debt 87.9b / totalStockholderEquity, last quarter 64.0b)
Debt / EBITDA = -9.18 (Net Debt -89.7b / EBITDA 9.77b)
Debt / FCF = -11.98 (Net Debt -89.7b / FCF TTM 7.49b)
Total Stockholder Equity = 61.8b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.30% (Net Income 7.63b / Total Assets 616b)
RoE = 12.34% (Net Income TTM 7.63b / Total Stockholder Equity 61.8b)
RoCE = 6.36% (EBIT 9.39b / Capital Employed (Equity 61.8b + L.T.Debt 85.7b))
RoIC = 5.16% (NOPAT 7.68b / Invested Capital 149b)
WACC = 9.37% (E(95.6b)/V(184b) * Re(8.91%) + D(87.9b)/V(184b) * Rd(12.05%) * (1-Tc(0.18)))
Discount Rate = 8.91% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 28.23 | Cagr: 0.44%
[DCF] Terminal Value 74.75% ; FCFF base≈6.92b ; Y1≈7.93b ; Y5≈11.7b
[DCF] Fair Price = 598.2 (EV 149b - Net Debt -89.7b = Equity 239b / Shares 398.9m; r=9.37% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 81.74 | EPS CAGR: 14.26% | SUE: 1.24 | # QB: 1
Revenue Correlation: 84.22 | Revenue CAGR: 5.85% | SUE: 0.63 | # QB: 0
EPS current Quarter (2026-09-30): EPS=4.89 | Chg30d=-0.47% | Revisions=-21% | Analysts=16
EPS current Year (2026-12-31): EPS=18.90 | Chg30d=+2.09% | Revisions=+76% | GrowthEPS=+13.9% | GrowthRev=+13.9%
EPS next Year (2027-12-31): EPS=21.52 | Chg30d=+1.77% | Revisions=+67% | GrowthEPS=+13.8% | GrowthRev=+5.2%
[Analyst] Revisions Ratio: +47% (up=39, down=13)