(PNC) PNC Financial - Ratings and Ratios
Loans, Deposits, Cards, Investment, Advisory
Dividends
| Dividend Yield | 3.34% |
| Yield on Cost 5y | 5.58% |
| Yield CAGR 5y | 8.18% |
| Payout Consistency | 94.0% |
| Payout Ratio | 42.6% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 24.2% |
| Value at Risk 5%th | 37.7% |
| Relative Tail Risk | -5.06% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.09 |
| Alpha | -16.01 |
| CAGR/Max DD | 0.41 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.598 |
| Beta | 0.932 |
| Beta Downside | 1.121 |
| Drawdowns 3y | |
|---|---|
| Max DD | 32.48% |
| Mean DD | 11.55% |
| Median DD | 7.98% |
Description: PNC PNC Financial December 03, 2025
PNC Financial Services Group Inc. (NYSE:PNC) is a diversified U.S. financial institution operating through three core segments: Retail Banking, which serves consumers and small businesses with deposit accounts, loans, credit cards, and brokerage services; Corporate & Institutional Banking, which offers a full suite of financing, cash-management, and advisory solutions to mid-size and large corporates, governments, and nonprofits; and the Asset Management Group, which provides investment, wealth-management, and fiduciary services to high-net-worth individuals and institutional clients. Founded in 1865 and headquartered in Pittsburgh, the firm maintains a nationwide branch network complemented by digital and phone channels.
Key metrics as of the latest quarter include total assets of roughly $560 billion, a net interest margin of about 3.1%, and a deposit growth rate of 4-5% year-over-year, reflecting strong consumer demand for savings amid a higher-for-longer rate environment. PNC’s loan portfolio is weighted toward commercial real estate and small-business lending, sectors that are sensitive to regional economic cycles and interest-rate volatility. The regional-bank sector is currently driven by consolidation pressures, digital-banking adoption, and the Fed’s policy stance, all of which shape PNC’s earnings outlook.
For a deeper quantitative view, you might explore PNC’s metrics on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (6.53b TTM) > 0 and > 6% of Revenue (6% = 2.03b TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -0.98pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -963.2% (prev -1084 %; Δ 120.3pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 5.43b <= Net Income 6.53b (YES >=105%, WARN >=100%) |
| Net Debt (23.47b) to EBITDA (8.32b) ratio: 2.82 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.25 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (396.0m) change vs 12m ago -1.0% (target <= -2.0% for YES) |
| Gross Margin 64.49% (prev 58.66%; Δ 5.83pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 5.96% (prev 5.95%; Δ 0.01pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.20 (EBITDA TTM 8.32b / Interest Expense TTM 11.22b) >= 6 (WARN >= 3) |
Altman Z'' -3.25
| (A) -0.57 = (Total Current Assets 107.17b - Total Current Liabilities 432.75b) / Total Assets 568.77b |
| (B) 0.11 = Retained Earnings (Balance) 62.01b / Total Assets 568.77b |
| (C) 0.00 = EBIT TTM 2.22b / Avg Total Assets 566.82b |
| (D) 0.12 = Book Value of Equity 60.65b / Total Liabilities 509.73b |
| Total Rating: -3.25 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 60.46
| 1. Piotroski 3.50pt |
| 2. FCF Yield 17.75% |
| 3. FCF Margin 16.05% |
| 4. Debt/Equity 1.06 |
| 5. Debt/Ebitda 2.82 |
| 6. ROIC - WACC (= -5.35)% |
| 7. RoE 11.48% |
| 8. Rev. Trend 86.07% |
| 9. EPS Trend 35.09% |
What is the price of PNC shares?
Over the past week, the price has changed by +2.84%, over one month by +7.42%, over three months by -1.99% and over the past year by +0.35%.
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 | 220.6 | 11.5% |
| Analysts Target Price | 220.6 | 11.5% |
| ValueRay Target Price | 207.6 | 4.9% |
PNC Fundamental Data Overview November 29, 2025
P/E Trailing = 12.3953
P/E Forward = 10.7991
P/S = 3.4587
P/B = 1.2756
P/EG = 2.0759
Beta = 1.017
Revenue TTM = 33.80b USD
EBIT TTM = 2.22b USD
EBITDA TTM = 8.32b USD
Long Term Debt = 62.34b USD (from longTermDebt, last quarter)
Short Term Debt = 19.73b USD (from shortTermDebt, last fiscal year)
Debt = 62.34b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 23.47b USD (from netDebt column, last quarter)
Enterprise Value = 30.57b USD (75.40b + Debt 62.34b - CCE 107.17b)
Interest Coverage Ratio = 0.20 (Ebit TTM 2.22b / Interest Expense TTM 11.22b)
FCF Yield = 17.75% (FCF TTM 5.43b / Enterprise Value 30.57b)
FCF Margin = 16.05% (FCF TTM 5.43b / Revenue TTM 33.80b)
Net Margin = 19.31% (Net Income TTM 6.53b / Revenue TTM 33.80b)
Gross Margin = 64.49% ((Revenue TTM 33.80b - Cost of Revenue TTM 12.00b) / Revenue TTM)
Gross Margin QoQ = 65.36% (prev 64.55%)
Tobins Q-Ratio = 0.05 (Enterprise Value 30.57b / Total Assets 568.77b)
Interest Expense / Debt = 4.62% (Interest Expense 2.88b / Debt 62.34b)
Taxrate = 20.33% (465.0m / 2.29b)
NOPAT = 1.77b (EBIT 2.22b * (1 - 20.33%))
Current Ratio = 0.25 (Total Current Assets 107.17b / Total Current Liabilities 432.75b)
Debt / Equity = 1.06 (Debt 62.34b / totalStockholderEquity, last quarter 58.99b)
Debt / EBITDA = 2.82 (Net Debt 23.47b / EBITDA 8.32b)
Debt / FCF = 4.33 (Net Debt 23.47b / FCF TTM 5.43b)
Total Stockholder Equity = 56.86b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.15% (Net Income 6.53b / Total Assets 568.77b)
RoE = 11.48% (Net Income TTM 6.53b / Total Stockholder Equity 56.86b)
RoCE = 1.86% (EBIT 2.22b / Capital Employed (Equity 56.86b + L.T.Debt 62.34b))
RoIC = 1.50% (NOPAT 1.77b / Invested Capital 118.15b)
WACC = 6.84% (E(75.40b)/V(137.74b) * Re(9.46%) + D(62.34b)/V(137.74b) * Rd(4.62%) * (1-Tc(0.20)))
Discount Rate = 9.46% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -0.63%
[DCF Debug] Terminal Value 72.81% ; FCFE base≈7.63b ; Y1≈7.43b ; Y5≈7.48b
Fair Price DCF = 265.7 (DCF Value 104.20b / Shares Outstanding 392.2m; 5y FCF grow -3.72% → 3.0% )
EPS Correlation: 35.09 | EPS CAGR: 4.56% | SUE: 2.38 | # QB: 5
Revenue Correlation: 86.07 | Revenue CAGR: 14.92% | SUE: 0.76 | # QB: 0
EPS next Quarter (2026-03-31): EPS=3.99 | Chg30d=-0.014 | Revisions Net=+1 | Analysts=12
EPS next Year (2026-12-31): EPS=17.62 | Chg30d=-0.010 | Revisions Net=+8 | Growth EPS=+11.2% | Growth Revenue=+7.5%
Additional Sources for PNC Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle