(PNC) PNC Financial - Overview
Stock: Loans, Deposits, Cards, Investments, Advisory
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.61% |
| Yield on Cost 5y | 5.06% |
| Yield CAGR 5y | 8.29% |
| Payout Consistency | 95.2% |
| Payout Ratio | 32.9% |
| Risk 5d forecast | |
|---|---|
| Volatility | 23.6% |
| Relative Tail Risk | -6.98% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.83 |
| Alpha | 11.20 |
| Character TTM | |
|---|---|
| Beta | 0.911 |
| Beta Downside | 1.144 |
| Drawdowns 3y | |
|---|---|
| Max DD | 29.89% |
| CAGR/Max DD | 0.65 |
Description: PNC PNC Financial January 29, 2026
PNC Financial Services Group Inc. (NYSE: PNC) is a diversified U.S. financial institution organized into three operating segments: Retail Banking, which delivers checking, savings, mortgage, credit-card and small-business products through branches, digital channels and call centers; Corporate & Institutional Banking, which provides loan facilities, cash-management, capital-markets advisory and underwriting services to mid-size and large enterprises, governments and nonprofits; and the Asset Management Group, which offers wealth-management, retirement planning, trust and outsourced CIO solutions to high-net-worth individuals and institutional clients.
Key recent metrics (Q4 2025 / FY 2025):
• Net interest margin held at 3.02%, slightly above the regional-bank average of 2.85% as the Fed’s policy-rate remained in the 5.25-5.50 % band.
• Total loans grew 5.4% YoY to $1.12 trillion, driven by a 7.1% rise in commercial loan balances, while deposits expanded 4.2% to $1.78 trillion, reflecting strong consumer-savings inflows.
• Return on equity improved to 12.6% versus 11.9% a year earlier, supported by higher fee income from the Corporate & Institutional segment, which posted a 9.8% increase in advisory fees.
For a deeper, data-driven assessment of PNC’s valuation dynamics, you may find ValueRay’s analytical tools worth a quick look.
Piotroski VR‑10 (Strict, 0-10) 2.5
| Net Income: 6.94b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -1.01 > 1.0 |
| NWC/Revenue: -279.5% < 20% (prev -1082 %; Δ 802.1% < -1%) |
| CFO/TA 0.01 > 3% & CFO 5.43b > Net Income 6.94b |
| Net Debt (50.32b) to EBITDA (8.58b): 5.87 < 3 |
| Current Ratio: 0.81 > 1.5 & < 3 |
| Outstanding Shares: last quarter (394.0m) vs 12m ago -1.25% < -2% |
| Gross Margin: 71.66% > 18% (prev 0.59%; Δ 7106 % > 0.5%) |
| Asset Turnover: 5.53% > 50% (prev 6.02%; Δ -0.49% > 0%) |
| Interest Coverage Ratio: 0.03 > 6 (EBITDA TTM 8.58b / Interest Expense TTM 10.90b) |
Altman Z'' -0.51
| A: -0.15 (Total Current Assets 368.72b - Total Current Liabilities 456.31b) / Total Assets 573.57b |
| B: 0.11 (Retained Earnings 63.27b / Total Assets 573.57b) |
| C: 0.00 (EBIT TTM 314.0m / Avg Total Assets 566.80b) |
| D: 0.12 (Book Value of Equity 62.58b / Total Liabilities 512.94b) |
| Altman-Z'' Score: -0.51 = B |
What is the price of PNC shares?
Over the past week, the price has changed by +6.26%, over one month by +11.37%, over three months by +30.51% and over the past year by +24.31%.
Is PNC a buy, sell or hold?
- StrongBuy: 11
- Buy: 3
- Hold: 7
- Sell: 1
- StrongSell: 1
What are the forecasts/targets for the PNC price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 245.9 | 3.1% |
| Analysts Target Price | 245.9 | 3.1% |
| ValueRay Target Price | 268.2 | 12.5% |
PNC Fundamental Data Overview January 31, 2026
P/E Forward = 12.3457
P/S = 4.066
P/B = 1.4979
P/EG = 2.3745
Revenue TTM = 31.34b USD
EBIT TTM = 314.0m USD
EBITDA TTM = 8.58b USD
Long Term Debt = 62.34b USD (from longTermDebt, two quarters ago)
Short Term Debt = 15.44b USD (from shortTermDebt, last quarter)
Debt = 57.10b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 50.32b USD (from netDebt column, last quarter)
Enterprise Value = 108.14b USD (90.75b + Debt 57.10b - CCE 39.71b)
Interest Coverage Ratio = 0.03 (Ebit TTM 314.0m / Interest Expense TTM 10.90b)
EV/FCF = 19.93x (Enterprise Value 108.14b / FCF TTM 5.43b)
FCF Yield = 5.02% (FCF TTM 5.43b / Enterprise Value 108.14b)
FCF Margin = 17.32% (FCF TTM 5.43b / Revenue TTM 31.34b)
Net Margin = 22.13% (Net Income TTM 6.94b / Revenue TTM 31.34b)
Gross Margin = 71.66% ((Revenue TTM 31.34b - Cost of Revenue TTM 8.88b) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 65.36%)
Tobins Q-Ratio = 0.19 (Enterprise Value 108.14b / Total Assets 573.57b)
Interest Expense / Debt = 4.64% (Interest Expense 2.65b / Debt 57.10b)
Taxrate = 12.71% (296.0m / 2.33b)
NOPAT = 274.1m (EBIT 314.0m * (1 - 12.71%))
Current Ratio = 0.81 (Total Current Assets 368.72b / Total Current Liabilities 456.31b)
Debt / Equity = 0.94 (Debt 57.10b / totalStockholderEquity, last quarter 60.59b)
Debt / EBITDA = 5.87 (Net Debt 50.32b / EBITDA 8.58b)
Debt / FCF = 9.27 (Net Debt 50.32b / FCF TTM 5.43b)
Total Stockholder Equity = 58.40b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.22% (Net Income 6.94b / Total Assets 573.57b)
RoE = 11.88% (Net Income TTM 6.94b / Total Stockholder Equity 58.40b)
RoCE = 0.26% (EBIT 314.0m / Capital Employed (Equity 58.40b + L.T.Debt 62.34b))
RoIC = 0.23% (NOPAT 274.1m / Invested Capital 118.83b)
WACC = 7.25% (E(90.75b)/V(147.85b) * Re(9.27%) + D(57.10b)/V(147.85b) * Rd(4.64%) * (1-Tc(0.13)))
Discount Rate = 9.27% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -0.88%
[DCF Debug] Terminal Value 80.55% ; FCFF base≈7.63b ; Y1≈7.43b ; Y5≈7.46b
Fair Price DCF = 256.9 (EV 154.19b - Net Debt 50.32b = Equity 103.87b / Shares 404.3m; r=7.25% [WACC]; 5y FCF grow -3.72% → 2.90% )
EPS Correlation: 25.83 | EPS CAGR: 11.63% | SUE: 2.72 | # QB: 3
Revenue Correlation: 63.63 | Revenue CAGR: 7.11% | SUE: 2.15 | # QB: 1
EPS next Quarter (2026-03-31): EPS=3.91 | Chg30d=-0.101 | Revisions Net=-3 | Analysts=19
EPS current Year (2026-12-31): EPS=18.04 | Chg30d=+0.365 | Revisions Net=+13 | Growth EPS=+8.7% | Growth Revenue=+9.3%
EPS next Year (2027-12-31): EPS=20.44 | Chg30d=+0.861 | Revisions Net=+13 | Growth EPS=+13.3% | Growth Revenue=+4.7%