(PNC) PNC Financial - Ratings and Ratios
Banking, Loans, Investments, Credit, Insurance, Mortgages
PNC EPS (Earnings per Share)
PNC Revenue
Description: PNC PNC Financial
PNC Financial Services Group Inc (NYSE:PNC) is a diversified financial services company operating in the United States, with a presence in the retail banking, corporate and institutional banking, and asset management sectors. The companys business segments cater to a wide range of customers, from consumers and small businesses to mid-sized and large corporations, government entities, and high net worth individuals.
From a business perspective, PNCs strengths lie in its diversified revenue streams, robust branch network, and digital capabilities. The companys Retail Banking segment provides a solid foundation, while its Corporate & Institutional Banking segment offers a range of services, including cash management, asset-backed financing, and loan syndications. The Asset Management Group segment also contributes to the companys revenue, providing investment management, trust, and custody services to institutional and individual clients.
Some key performance indicators (KPIs) that can be used to evaluate PNCs performance include its net interest margin (NIM), efficiency ratio, and return on assets (ROA). As a regional bank, PNCs NIM is likely to be influenced by the prevailing interest rate environment, while its efficiency ratio can indicate its ability to manage costs. With a return on equity (RoE) of 11.02%, PNCs profitability is relatively stable. Additionally, its dividend yield and payout ratio can be attractive to income-seeking investors.
To further analyze PNCs investment potential, one can examine its loan growth, credit quality, and capital adequacy. The companys loan portfolio composition, including its exposure to different sectors and geographies, can provide insights into its credit risk profile. Furthermore, PNCs capital ratios, such as its common equity tier 1 (CET1) ratio, can indicate its ability to absorb potential losses and meet regulatory requirements.
PNC Stock Overview
| Market Cap in USD | 79,844m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 1988-09-07 |
PNC Stock Ratings
| Growth Rating | 38.1% |
| Fundamental | 55.5% |
| Dividend Rating | 71.2% |
| Return 12m vs S&P 500 | -1.85% |
| Analyst Rating | 3.96 of 5 |
PNC Dividends
| Dividend Yield 12m | 3.36% |
| Yield on Cost 5y | 6.98% |
| Annual Growth 5y | 6.49% |
| Payout Consistency | 95.1% |
| Payout Ratio | 44.5% |
PNC Growth Ratios
| Growth Correlation 3m | 67.7% |
| Growth Correlation 12m | 6.1% |
| Growth Correlation 5y | 35.4% |
| CAGR 5y | 13.38% |
| CAGR/Max DD 3y | 0.41 |
| CAGR/Mean DD 3y | 1.83 |
| Sharpe Ratio 12m | -0.06 |
| Alpha | 0.00 |
| Beta | 0.936 |
| Volatility | 24.34% |
| Current Volume | 1387.6k |
| Average Volume 20d | 1647.4k |
| Stop Loss | 197.6 (-3%) |
| Signal | 0.89 |
Piotroski VR‑10 (Strict, 0-10) 2.5
| Net Income (6.21b TTM) > 0 and > 6% of Revenue (6% = 2.03b TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -0.31pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -972.4% (prev -1093 %; Δ 120.5pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 5.55b <= Net Income 6.21b (YES >=105%, WARN >=100%) |
| Net Debt (30.03b) to EBITDA (4.27b) ratio: 7.04 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.23 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (397.0m) change vs 12m ago -0.75% (target <= -2.0% for YES) |
| Gross Margin 62.74% (prev 59.88%; Δ 2.87pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 6.07% (prev 5.90%; Δ 0.17pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.35 (EBITDA TTM 4.27b / Interest Expense TTM 11.75b) >= 6 (WARN >= 3) |
Altman Z'' -3.33
| (A) -0.59 = (Total Current Assets 97.53b - Total Current Liabilities 426.70b) / Total Assets 559.11b |
| (B) 0.11 = Retained Earnings (Balance) 60.95b / Total Assets 559.11b |
| (C) 0.01 = EBIT TTM 4.08b / Avg Total Assets 557.81b |
| (D) 0.12 = Book Value of Equity 58.99b / Total Liabilities 501.45b |
| Total Rating: -3.33 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 55.46
| 1. Piotroski 2.50pt = -2.50 |
| 2. FCF Yield 1.34% = 0.67 |
| 3. FCF Margin 17.90% = 4.47 |
| 4. Debt/Equity 8.14 = -2.50 |
| 5. Debt/Ebitda 110.0 = -2.50 |
| 6. ROIC - WACC (= 1.04)% = 1.30 |
| 7. RoE 11.08% = 0.92 |
| 8. Rev. Trend 72.59% = 5.44 |
| 9. EPS Trend 2.83% = 0.14 |
What is the price of PNC shares?
Over the past week, the price has changed by +0.93%, over one month by +6.12%, over three months by +18.67% and over the past year by +16.34%.
Is PNC Financial a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of PNC is around 203.61 USD . This means that PNC is currently overvalued and has a potential downside of -0.08%.
Is PNC a buy, sell or hold?
- Strong Buy: 11
- Buy: 3
- Hold: 7
- Sell: 1
- Strong Sell: 1
What are the forecasts/targets for the PNC price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 215.7 | 5.9% |
| Analysts Target Price | 215.7 | 5.9% |
| ValueRay Target Price | 214.8 | 5.4% |
Last update: 2025-09-13 05:04
PNC Fundamental Data Overview
CCE Cash And Equivalents = 97.53b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 13.849
P/E Forward = 11.7096
P/S = 3.7592
P/B = 1.386
P/EG = 1.984
Beta = 1.11
Revenue TTM = 33.85b USD
EBIT TTM = 4.08b USD
EBITDA TTM = 4.27b USD
Long Term Debt = 42.42b USD (from longTermDebt, last quarter)
Short Term Debt = 426.70b USD (from totalCurrentLiabilities, last quarter)
Debt = 469.12b USD (Calculated: Short Term 426.70b + Long Term 42.42b)
Net Debt = 30.03b USD (from netDebt column, last quarter)
Enterprise Value = 451.43b USD (79.84b + Debt 469.12b - CCE 97.53b)
Interest Coverage Ratio = 0.35 (Ebit TTM 4.08b / Interest Expense TTM 11.75b)
FCF Yield = 1.34% (FCF TTM 6.06b / Enterprise Value 451.43b)
FCF Margin = 17.90% (FCF TTM 6.06b / Revenue TTM 33.85b)
Net Margin = 18.34% (Net Income TTM 6.21b / Revenue TTM 33.85b)
Gross Margin = 62.74% ((Revenue TTM 33.85b - Cost of Revenue TTM 12.61b) / Revenue TTM)
Tobins Q-Ratio = 7.65 (Enterprise Value 451.43b / Book Value Of Equity 58.99b)
Interest Expense / Debt = 0.58% (Interest Expense 2.71b / Debt 469.12b)
Taxrate = 17.80% (1.29b / 7.24b)
NOPAT = 3.35b (EBIT 4.08b * (1 - 17.80%))
Current Ratio = 0.23 (Total Current Assets 97.53b / Total Current Liabilities 426.70b)
Debt / Equity = 8.14 (Debt 469.12b / last Quarter total Stockholder Equity 57.61b)
Debt / EBITDA = 110.0 (Net Debt 30.03b / EBITDA 4.27b)
Debt / FCF = 77.44 (Debt 469.12b / FCF TTM 6.06b)
Total Stockholder Equity = 56.03b (last 4 quarters mean)
RoA = 1.11% (Net Income 6.21b, Total Assets 559.11b )
RoE = 11.08% (Net Income TTM 6.21b / Total Stockholder Equity 56.03b)
RoCE = 4.15% (Ebit 4.08b / (Equity 56.03b + L.T.Debt 42.42b))
RoIC = 2.82% (NOPAT 3.35b / Invested Capital 118.75b)
WACC = 1.78% (E(79.84b)/V(548.96b) * Re(9.46%)) + (D(469.12b)/V(548.96b) * Rd(0.58%) * (1-Tc(0.18)))
Shares Correlation 3-Years: -91.34 | Cagr: -0.29%
Discount Rate = 9.46% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 74.68% ; FCFE base≈6.74b ; Y1≈7.34b ; Y5≈9.24b
Fair Price DCF = 318.8 (DCF Value 125.56b / Shares Outstanding 393.8m; 5y FCF grow 10.12% → 3.0% )
EPS Correlation: 2.83 | EPS CAGR: 0.67% | SUE: 1.13 | # QB: 1
Revenue Correlation: 72.59 | Revenue CAGR: 11.51% | SUE: 2.06 | # QB: 2
Additional Sources for PNC Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle