PNC Stock Analysis: PNC Financial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 101.825m USD | 12M Return: 32% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 562M
EPS Trend: 81.7%
Qual. Beats: 1
Rev. Trend: 40.6%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 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 is a diversified U.S. financial services company headquartered in Pittsburgh, Pennsylvania, operating through three main segments: Retail Banking, Corporate & Institutional Banking, and Asset Management Group. Founded in 1865, the company serves consumer and small business customers, mid-sized and large corporations, government and not-for-profit entities, and high net worth individuals across the country.
The Retail Banking segment provides deposit products, residential mortgages, home equity, auto, credit card, education, and small business loans, along with brokerage, insurance, and cash management services delivered through branches, digital channels, ATMs, and phone-based contact centers. The Corporate & Institutional Banking segment offers secured and unsecured loans, equipment leasing, treasury management, international payments, securities underwriting, loan syndications, and M&A and equity capital markets advisory services. The Asset Management Group focuses on investment and retirement planning, customized investment management, trust administration, multi-generational family planning, and institutional services such as outsourced CIO and custody.
As a company classified within the GICS Regional Banks sub-industry, PNC competes in a sector that typically serves defined geographic markets with a mix of consumer, commercial, and wealth management offerings. Its three-segment structure reflects a common business model among large U.S. regional banks, blending traditional spread-based lending and deposit gathering with fee-generating treasury, capital markets, and asset management services to diversify revenue streams.
- Net interest margin compression pressures earnings as Fed cuts rates
- Asset Management Group fees decline on equity market weakness
- Capital return to shareholders continues with steady buybacks and dividends
| Net Income: 7.63b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.05 > 0.02 and ΔFCF/TA 3.56 > 1.0 |
| NWC/Revenue: -953.6% < 20% (prev -1.12k%; Δ 169.6% < -1%) |
| CFO/TA 0.05 > 3% & CFO 6.82b > Net Income 7.63b |
| Net Debt (-61.6b) to EBITDA (9.48b): -6.49 < 3 |
| Current Ratio: 0.34 > 1.5 & < 3 |
| Outstanding Shares: last quarter (404.0m) vs 12m ago 1.75% < -2% |
| Gross Margin: 79.59% > 18% (prev 62.74%; Δ 16.85% > 0.5%) |
| Asset Turnover: 8.62% > 50% (prev 6.05%; Δ 2.57% > 0%) |
| Interest Coverage Ratio: 0.86 > 6 (EBIT TTM 9.39b / Interest Expense TTM 10.9b) |
| A: -1.95 (Total Current Assets 150b - Total Current Liabilities 441b) / Total Assets 150b |
| B: 0.44 (Retained Earnings 65.5b / Total Assets 150b) |
| C: 0.03 (EBIT TTM 9.39b / Avg Total Assets 354b) |
| D: 0.75 (Book Value of Equity 64.0b / Total Liabilities 85.7b) |
| Altman-Z'' = -10.39 = D |
As of July 22, 2026, the stock is trading at USD 250.38 with a total of 1,105,245 shares traded. Over the past week, the price has changed by +0.20%, over one month by +7.53%, over three months by +10.67% and over the past year by +31.95%.
Current recommended Stop Loss: 242.60 (which is 3.1% or 1.5 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 | 273 | 9% |
P/E Trailing = 13.9836
P/E Forward = 13.9082
P/S = 4.187
P/B = 1.5945
P/EG = 2.0144
Revenue TTM = 30.6b USD
EBIT TTM = 9.39b USD
EBITDA TTM = 9.48b USD
Long Term Debt = 57.1b USD (from longTermDebt, last fiscal year)
Short Term Debt = 15.4b USD (from shortTermDebt, last fiscal year)
Debt = 87.9b USD (from shortLongTermDebtTotal, last quarter) + Leases 2.22b
Net Debt = -61.6b USD (calculated: Debt 87.9b - CCE 150b)
Enterprise Value = 40.3b USD (102b + Debt 87.9b - CCE 150b)
Interest Coverage Ratio = 0.86 (Ebit TTM 9.39b / Interest Expense TTM 10.9b)
EV/FCF = 5.90x (Enterprise Value 40.3b / FCF TTM 6.82b)
FCF Yield = 16.94% (FCF TTM 6.82b / Enterprise Value 40.3b)
FCF Margin = 22.32% (FCF TTM 6.82b / Revenue TTM 30.6b)
Net Margin = 24.97% (Net Income TTM 7.63b / Revenue TTM 30.6b)
Gross Margin = 79.59% ((Revenue TTM 30.6b - Cost of Revenue TTM 6.24b) / Revenue TTM)
Gross Margin QoQ = none% (prev none%)
Tobins Q-Ratio = 0.27 (Enterprise Value 40.3b / Total Assets 150b)
Interest Expense / Debt = 12.39% (Interest Expense 10.9b / Debt 87.9b)
Taxrate = 18.18% (1.71b / 9.39b)
NOPAT = 7.68b (EBIT 9.39b * (1 - 18.18%))
Current Ratio = 0.34 (Total Current Assets 150b / Total Current Liabilities 441b)
Debt / Equity = 1.37 (Debt 87.9b / totalStockholderEquity, last quarter 64.0b)
Debt / EBITDA = -6.49 (Net Debt -61.6b / EBITDA 9.48b)
Debt / FCF = -9.03 (Net Debt -61.6b / FCF TTM 6.82b)
Total Stockholder Equity = 61.8b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.15% (Net Income 7.63b / Total Assets 150b)
RoE = 12.34% (Net Income TTM 7.63b / Total Stockholder Equity 61.8b)
RoCE = 7.90% (EBIT 9.39b / Capital Employed (Equity 61.8b + L.T.Debt 57.1b))
RoIC = -2.77% (NOPAT 7.68b / Invested Capital -277b)
WACC = 9.53% (E(102b)/V(190b) * Re(9.0%) + D(87.9b)/V(190b) * Rd(12.39%) * (1-Tc(0.18)))
Discount Rate = 9.0% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 28.23 | Cagr: 0.44%
[DCF] Terminal Value 74.25% ; FCFF base≈6.34b ; Y1≈7.27b ; Y5≈10.7b
[DCF] Fair Price = 488.3 (EV 133b - Net Debt -61.6b = Equity 195b / Shares 399.0m; r=9.53% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 81.74 | EPS CAGR: 14.26% | SUE: 1.24 | # QB: 1
Revenue Correlation: 40.58 | Revenue CAGR: 2.64% | SUE: 0.11 | # QB: 0
EPS current Quarter (2026-09-30): EPS=4.91 | Chg30d=+0.22% | Revisions=+12% | Analysts=15
EPS current Year (2026-12-31): EPS=18.75 | Chg30d=+2.10% | Revisions=+30% | GrowthEPS=+13.0% | GrowthRev=+12.8%
EPS next Year (2027-12-31): EPS=21.31 | Chg30d=+1.27% | Revisions=+25% | GrowthEPS=+13.7% | GrowthRev=+5.0%
[Analyst] Revisions Ratio: +29% (up=14, down=7)