(PNC) PNC Financial - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 88.035m USD | Total Return: 29.5% in 12m
Avg Turnover: 332M
EPS Trend: 66.5%
Qual. Beats: 7
Rev. Trend: 75.1%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
The PNC Financial Services Group, Inc. is a diversified financial institution headquartered in Pittsburgh, Pennsylvania, operating primarily through three segments: Retail Banking, Corporate & Institutional Banking, and Asset Management. The company provides a comprehensive suite of products including consumer deposits, residential mortgages, commercial lending, and investment management for high-net-worth individuals and institutional clients.
As a prominent player in the Regional Banks GICS sub-industry, PNC utilizes a traditional commercial banking business model that generates revenue through net interest income-the spread between interest earned on loans and interest paid on deposits-as well as non-interest income from advisory and management fees. Regional banks like PNC often face different regulatory capital requirements compared to Global Systemically Important Banks (G-SIBs), allowing for a localized focus on middle-market corporate lending and regional consumer credit markets.
For a more granular look at the companys valuation metrics, consider reviewing the latest data on ValueRay. Founded in 1865, the firm maintains an extensive physical branch network complemented by digital distribution channels to serve a broad demographic ranging from individual consumers to large government entities.
- Net interest margin sensitivity to Federal Reserve interest rate policy shifts
- Commercial loan demand fluctuations impact corporate and institutional banking revenue
- Credit quality and loan loss provision levels affect quarterly earnings stability
- Expansion into new geographic markets drives retail deposit and loan growth
- Non-interest income performance from asset management and investment banking fees
| Net Income: 7.21b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.12 > 1.0 |
| NWC/Revenue: -1.05k% < 20% (prev -1.10k%; Δ 47.10% < -1%) |
| CFO/TA 0.01 > 3% & CFO 6.82b > Net Income 7.21b |
| Net Debt (-116b) to EBITDA (9.18b): -12.68 < 3 |
| Current Ratio: 0.36 > 1.5 & < 3 |
| Outstanding Shares: last quarter (411.1m) vs 12m ago 3.30% < -2% |
| Gross Margin: 71.88% > 18% (prev 0.61%; Δ 7.13k% > 0.5%) |
| Asset Turnover: 5.54% > 50% (prev 6.02%; Δ -0.49% > 0%) |
| Interest Coverage Ratio: 0.82 > 6 (EBITDA TTM 9.18b / Interest Expense TTM 10.7b) |
| A: -0.56 (Total Current Assets 187b - Total Current Liabilities 524b) / Total Assets 603b |
| B: 0.11 (Retained Earnings 64.3b / Total Assets 603b) |
| C: 0.02 (EBIT TTM 8.83b / Avg Total Assets 579b) |
| D: 0.12 (Book Value of Equity 63.3b / Total Liabilities 539b) |
| Altman-Z'' = -3.10 = D |
| DSRI: 51.16 (Receivables 327b/6.66b, Revenue 32.1b/33.4b) |
| GMI: 0.84 (GM 71.88% / 60.62%) |
| AQI: 0.76 (AQ_t 0.67 / AQ_t-1 0.88) |
| SGI: 0.96 (Revenue 32.1b / 33.4b) |
| TATA: 0.00 (NI 7.21b - CFO 6.82b) / TA 603b) |
| Beneish M = 37.94 (Cap -4..+1) = D |
As of May 27, 2026, the stock is trading at USD 220.81 with a total of 900,391 shares traded.
Over the past week, the price has changed by +3.32%,
over one month by -0.23%,
over three months by -0.14% and
over the past year by +29.52%.
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 | 255.2 | 15.6% |
P/E Trailing = 12.7385
P/E Forward = 11.9474
P/S = 3.8206
P/B = 1.3836
P/EG = 1.6836
Revenue TTM = 32.1b USD
EBIT TTM = 8.83b USD
EBITDA TTM = 9.18b USD
Long Term Debt = 66.7b USD (from longTermDebt, last quarter)
Short Term Debt = 66.7b USD (from shortTermDebt, last quarter)
Debt = 68.9b USD (from shortLongTermDebtTotal, last quarter) + Leases 2.22b
Net Debt = -116b USD (calculated: Debt 68.9b - CCE 185b)
Enterprise Value = 88.0b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.82 (Ebit TTM 8.83b / Interest Expense TTM 10.7b)
EV/FCF = 12.91x (Enterprise Value 88.0b / FCF TTM 6.82b)
FCF Yield = 7.75% (FCF TTM 6.82b / Enterprise Value 88.0b)
FCF Margin = 21.28% (FCF TTM 6.82b / Revenue TTM 32.1b)
Net Margin = 22.51% (Net Income TTM 7.21b / Revenue TTM 32.1b)
Gross Margin = 71.88% ((Revenue TTM 32.1b - Cost of Revenue TTM 9.01b) / Revenue TTM)
Gross Margin QoQ = none% (prev 68.03%)
Tobins Q-Ratio = 0.15 (Enterprise Value 88.0b / Total Assets 603b)
Interest Expense / Debt = 15.57% (Interest Expense 10.7b / Debt 68.9b)
Taxrate = 18.98% (415.0m / 2.19b)
NOPAT = 7.15b (EBIT 8.83b * (1 - 18.98%))
Current Ratio = 0.36 (Total Current Assets 187b / Total Current Liabilities 524b)
Debt / Equity = 1.08 (Debt 68.9b / totalStockholderEquity, last quarter 63.6b)
Debt / EBITDA = -12.68 (Net Debt -116b / EBITDA 9.18b)
Debt / FCF = -17.07 (Net Debt -116b / FCF TTM 6.82b)
Total Stockholder Equity = 60.2b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.25% (Net Income 7.21b / Total Assets 603b)
RoE = 11.98% (Net Income TTM 7.21b / Total Stockholder Equity 60.2b)
RoCE = 6.96% (EBIT 8.83b / Capital Employed (Equity 60.2b + L.T.Debt 66.7b))
RoIC = 4.92% (NOPAT 7.15b / Invested Capital 145b)
WACC = 10.76% (E(88.0b)/V(157b) * Re(9.30%) + D(68.9b)/V(157b) * Rd(15.57%) * (1-Tc(0.19)))
Discount Rate = 9.30% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -55.21 | Cagr: 1.12%
[DCF] Terminal Value 70.60% ; FCFF base≈6.34b ; Y1≈7.27b ; Y5≈10.7b
[DCF] Fair Price = 570.9 (EV 113b - Net Debt -116b = Equity 229b / Shares 401.6m; r=10.76% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 66.46 | EPS CAGR: 6.64% | SUE: 0.90 | # QB: 7
Revenue Correlation: 75.13 | Revenue CAGR: 6.81% | SUE: -0.01 | # QB: 0
EPS current Quarter (2026-06-30): EPS=4.30 | Chg30d=-0.55% | Revisions=-27% | Analysts=16
EPS next Quarter (2026-09-30): EPS=4.90 | Chg30d=+0.05% | Revisions=+26% | Analysts=16
EPS current Year (2026-12-31): EPS=18.36 | Chg30d=-0.14% | Revisions=+42% | GrowthEPS=+10.7% | GrowthRev=+11.4%
EPS next Year (2027-12-31): EPS=21.06 | Chg30d=+0.24% | Revisions=+73% | GrowthEPS=+14.7% | GrowthRev=+5.2%
[Analyst] Revisions Ratio: +73%