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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 $220.89, about 29.8% overvalued vs fair value, +37.5% 1Y return, placing in the top 25% of its sector.
Metrics P/E 11.9× Rev Growth 50.6% ROE 12.1% Gross Margin 71.7% Div Yield 3.60%
$220.89
-0.20%
As of April 28, 2026
Previous close • Vol 90d: 23.9%
52-Week Range
Market Cap
$89.10B
Enterprise Value
$139.42B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 90%
Updated: Mar 8
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: $220.89 -30% 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

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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
80
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Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing PNC's balance between Growth (26.0%), Profitability (33.2%), and Safety (40.9%). Growth 26% Safety 41% Profitability 33%

Click axes to expand details. Marker shows current allocation.

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Growth

44th percentile vs peers
45
Key Signals
EPS Growth YoY 26.5% 78p Asset Growth YoY 2.4% 37p NII Growth YoY -3.0% 30p Equity Growth YoY 6.5% 46p
Strengths
  • Cash & Securities to Assets in top 20% of peers (31.5%, 95th percentile)
  • D/E Ratio in top 20% of peers (94.2%, 82th percentile)
  • Debt/Assets in top 20% of peers (10.0%, 81th percentile)
  • Dividends/Tangible Equity in top 20% of peers (7.6%, 89th percentile)
Risks

No significant risks identified for this axis.

Profitability

56th percentile vs peers
57
Key Signals
Strengths
Risks
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Safety

70th percentile vs peers
70
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:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$154.99
- - -
-29.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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