PNC Stock Analysis: PNC Financial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 89.375m USD | 12M Return: 14.3% | US6934751057 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 381M
EPS Trend: 81.7%
Qual. Beats: 1
Rev. Trend: 84.2%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 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 (NYSE: PNC) is a diversified U.S. financial services company headquartered in Pittsburgh, Pennsylvania, with roots dating back to 1865. It operates through three business segments: Retail Banking, Corporate & Institutional Banking, and Asset Management Group.
The Retail Banking segment serves consumers and small businesses through branches, digital channels, ATMs, and phone-based contact centers, offering deposit products, mortgages, home equity and auto loans, credit cards, and brokerage and insurance services. The Corporate & Institutional Banking segment provides lending, treasury management, capital markets advisory, and commercial loan servicing to mid-sized and large corporations, government entities, and not-for-profit organizations.
The Asset Management Group segment delivers investment and retirement planning, trust administration, and customized wealth solutions to high net worth and ultra high net worth individuals and families, as well as outsourced CIO, custody, and retirement plan fiduciary services to institutional clients.
As a large-cap regional bank under the GICS Financials classification, PNCs business model combines traditional interest-earning lending activities with fee-based revenue from wealth management and capital markets services, which helps offset earnings volatility tied to interest rate cycles.
- Net interest income grows on commercial loan repricing
- Asset Management fees climb with equity market gains
- Deposit cost pressures ease as competition moderates
| 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: -1.17k% < 20% (prev -1.12k%; Δ -50.14% < -1%) |
| CFO/TA 0.01 > 3% & CFO 7.49b > Net Income 7.63b |
| Net Debt (50.6b) to EBITDA (9.77b): 5.18 < 3 |
| Current Ratio: 0.08 > 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: -0.67 (Total Current Assets 37.3b - Total Current Liabilities 450b) / 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'' = -3.82 = D |
As of October 01, 2026, the stock is trading at USD 222.26 with a total of 2,224,772 shares traded. Over the past week, the price has changed by -0.79%, over one month by -7.25%, over three months by -9.01% and over the past year by +14.27%.
Current recommended Stop Loss: 213.80 (which is 3.8% or 1.9 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 | 277.8 | 25% |
P/E Trailing = 12.5437
P/E Forward = 10.8696
P/S = 3.6751
P/B = 1.4208
P/EG = 1.5986
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 = 50.6b USD (calculated: Debt 87.9b - CCE 37.3b)
Enterprise Value = 140b USD (89.4b + Debt 87.9b - CCE 37.3b)
Interest Coverage Ratio = 0.89 (Ebit TTM 9.39b / Interest Expense TTM 10.6b)
EV/FCF = 18.69x (Enterprise Value 140b / FCF TTM 7.49b)
FCF Yield = 5.35% (FCF TTM 7.49b / Enterprise Value 140b)
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 = 0.23 (Enterprise Value 140b / 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 = 0.08 (Total Current Assets 37.3b / Total Current Liabilities 450b)
Debt / Equity = 1.37 (Debt 87.9b / totalStockholderEquity, last quarter 64.0b)
Debt / EBITDA = 5.18 (Net Debt 50.6b / EBITDA 9.77b)
Debt / FCF = 6.76 (Net Debt 50.6b / 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 = 3.75% (NOPAT 7.68b / Invested Capital 205b)
WACC = 9.37% (E(89.4b)/V(177b) * Re(8.88%) + D(87.9b)/V(177b) * Rd(12.05%) * (1-Tc(0.18)))
Discount Rate = 8.88% (= 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 = 246.5 (EV 149b - Net Debt 50.6b = Equity 98.3b / 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=-0.02% | Revisions=-21% | Analysts=16
EPS current Year (2026-12-31): EPS=18.90 | Chg30d=-0.03% | Revisions=+76% | GrowthEPS=+13.9% | GrowthRev=+13.8%
EPS next Year (2027-12-31): EPS=21.54 | Chg30d=+0.11% | Revisions=+67% | GrowthEPS=+14.0% | GrowthRev=+5.4%
[Analyst] Revisions Ratio: +47% (up=39, down=13)