PNC Financial (PNC) Stock Analysis
NYQ · Financial Services · Banks - Regional
$224.41
-1.24 (-0.55%)
PNC Interactive Price Chart & Trading Signals
PNC Stock Snapshot — Valuation, Risk & Technical Signals
PNC Key Fundamentals, Analyst Targets & Company Profile
Key Financial Ratios
Market Cap
$89.52B
P/E Ratio
12.36
Forward P/E
10.47
PEG Ratio
1.58
P/B Ratio
1.54
EPS
$18.16
Dividend Yield
3.55%
52W Range
$176.88 – $258.96
Beta
0.89
Volume
0.1M
ROE
12.6%
Profit Margin
31.4%
Revenue Growth
23.6%
Gross Margin
—
EV/EBITDA
—
Analyst Target
$276.98
The trailing price-to-earnings ratio stands at 12.4x. Forward P/E of 10.5x implies earnings expansion expected. Price-to-book is 1.54x. Market capitalization is $89.52B. Revenue is growing at 23.6% on a trailing basis. Earnings are expanding at 24.9%. Profit margins are 31.4%. Return on equity is 12.6%. Beta of 0.89 indicates market-average volatility.
Analyst Consensus
Recommendation
Buy
Low Target
$253.00
Mean Target
$276.98
High Target
$291.00
Based on 20 analysts
About PNC Financial
The PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States. It operates through three segments: Retail Banking, Corporate & Institutional Banking, and Asset Management Group segments. The Retail Banking segment offers checking, savings, and money market accounts, and time deposit; residential mortgages, home equity loans and lines of credit, auto loans, credit cards, education loans, and personal and small business loans and lines of credit; and brokerage, insurance, and investment and cash management services. This segment serves consumer and small business customers through a network of branches, digital channels, ATMs, and through phone-based customer contact centers. The Corporate & Institutional Banking segment provides secured and unsecured loans, letters of credit, and equipment leases; cash and investment management, receivables and disbursement management, funds transfer, international payment, and access to online/mobile information management and reporting services; asset-backed financing, securities underwriting, loan syndications, mergers and acquisitions and equity capital markets advisory, and customer related services; and commercial loan servicing and technology solutions. It serves mid-sized and large corporations, and government and not-for-profit entities. The Asset Management Group segment offers investment and retirement planning, customized investment management, credit and cash management solutions, and trust management and administration services for high net worth and ultra high net worth individuals, and their families; and multi-generational family planning services. It also offers outsourced chief investment officer, custody, cash and fixed income client solutions, and retirement plan fiduciary investment services for institutional clients. The company was founded in 1865 and is headquartered in Pittsburgh, Pennsylvania.
PNC Deep Dive Analysis
Bottom Line
Verdict
Fairly ValuedBest for
General investorWatch out for
None flaggedNon-zero inputs
4/5Counts non-zero values for price, P/E, beta, macro risk, and revenue growth; zero may mean unavailable or be a genuine zero.
The PNC Financial Services Group, Inc. (PNC) trades near our multi-model fair value estimate of $214.55 by approximately 4.4%. Trailing P/E: 12.4x. Profitability signals include profit margin of 31.4% and return on equity of 12.6%. Recent growth metrics show revenue growth of 23.6% and earnings growth of 24.9%. Risk profile: beta of 0.89. Consensus: buy.
Valuation, Growth & Risk
Valuation
Fairly Valued
P/E 12.4x
Price is close to fair value estimate.
Growth
Expanding
Rev 23.6%
Revenue is outpacing the market.
Valuation Snapshot
The PNC Financial Services Group, Inc. (PNC) trades near our multi-model fair value estimate of $214.55 by approximately 4.4%. The trailing price-to-earnings ratio stands at 12.4x. Forward P/E of 10.5x suggests earnings compression ahead. Price-to-sales is 3.7x. Price-to-book is 1.5x. Market capitalization is $89.52B.
Why it matters: A fairly valued stock means you are paying roughly what the business is worth today.
Growth & Profitability
Revenue is growing at 23.6% on a trailing basis. Earnings are expanding at 24.9%. Profit margins are 31.4%. Return on equity is 12.6%. Return on assets is 1.3%.
Why it matters: Growing revenue with healthy margins usually means the business is gaining market share or pricing power.
Risk Profile
Beta of 0.89 indicates market-average volatility. Net debt position is $74.50B.
Why it matters: Lower risk means steadier returns, but often with less upside in bull markets.
Analyst Context
Analyst consensus target of $276.98 implies 23.4% upside. Target range spans $253.00 to $291.00. 20 analysts cover the stock. Consensus recommendation: buy.
Why it matters: Analyst targets reflect what professionals expect over 12 months. A wide gap between price and target can mean the market disagrees with the consensus.
Data Methodology & Sources
Market Data (Facts)
- Price, volume, and market cap: Yahoo Finance (may be delayed)
- P/E, EPS, revenue, and debt: Yahoo Finance fundamentals
- Analyst estimates: Yahoo Finance (coverage and update times vary)
- Insider transactions: Yahoo Finance (reporting may be delayed)
QuantSoar Model (Derived)
- Fair value: available outputs from seven models; outliers are filtered using MAD (k=3.5), then combined with fixed model weights.
- Margin of Safety = (Fair Value − Displayed Price) / Displayed Price × 100
- Composite Score: 40% Value + 30% Momentum + 30% Risk
- Verdict Gauge: Base 50 + Valuation (up to ±25) + Whale sentiment (up to ±10) + Insider buying (+5) + Macro risk (up to ±10) + Technical signal (up to ±10). Analyst consensus is separate.
Model outputs are estimates based on available data and are not investment advice. Cross-check with primary sources before making investment decisions.
PNC Fairly Valued
The PNC Financial Services Group, Inc. (PNC) trades near our multi-model fair value estimate of $214.55 by approximately 4.4%.
Frequently Asked Questions
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About the Author
Phasakorn Traklang (Peach) — Founder
Phasakorn Traklang (Peach) is the founder of QuantSoar, bringing expertise in SEO, web development, and technical analytics to build an AI-powered investment platform accessible to retail investors worldwide.
Connect on LinkedInInvestment Disclaimer: Tax treatment can depend on tax residence, account type, and tax year. This information is general and is not personal tax or investment advice. SEC
Data: Yahoo Finance / SEC EDGAR / Alpha Vantage / Finnhub. AI outputs verified against source data.