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Company Analysis

PNC Financial Services Group, I PNC

A comprehensive view of key metrics, scores, and financial health for PNC Financial Services Group, I

Overview of The PNC Financial Services Group, Inc.

PNC NYQ
Financial Services Banks - Regional Large Cap
The PNC Financial Services Group, Inc. (PNC), is a Large Cap company, in the Banks - Regional industry, last closed at $201.13, about 22.9% overvalued vs fair value, +15.6% 1Y return, placing in the top 25% of its sector.
$201.13
-0.77%
As of March 13, 2026
Previous close • Vol 90d: 23.7%
52-Week Range
Market Cap
$83.14B
Enterprise Value
$133.47B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.pnc.com
HQ Pittsburgh, PA
Employees 53,859
Fiscal year Dec 31

Next Events

Earnings Apr 15

Fair Value Snapshot

Bear Base Bull
$86
$155
$290
Current: $201.13 -23% vs base

Engine Room Money Flow™

Large Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$26.4B
8.5%%
Interest Expense
$10.9B
Net Interest Income
$13.5B
-3%%
Total Revenue
$31.3B
50.6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
10.1%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$4.3B
77.9% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating PNC Financial Services Group, I's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
62
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
79
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing PNC's balance between Growth (21.9%), Profitability (39.2%), and Safety (38.9%). Growth 22% Safety 39% Profitability 39%

Click axes to expand details. Marker shows current allocation.

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Growth

38th percentile vs peers
38
Key Signals
Rev Growth YoY 50.6% 42p Asset Growth YoY 2.4% 37p Revenue CAGR 3Y 14.1% 33p
Strengths
  • Superior capital returns - 2 return metrics above peer median
Risks
  • Growth below peer median (percentile: 38)

Profitability

68th percentile vs peers
68
Key Signals
Strengths
Risks
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Safety

67th percentile vs peers
68
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for PNC Financial Services Group, I.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
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- upside
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Base
$154.99
- - -
-22.9% vs current
Snapshot base estimate
Bull
-
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- upside
-
Fair Value Range Current: $-
$- $- $-
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