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PNC FINANCIAL SERVICES GROUP (PNC) Stock Fundamental Analysis

NYSE:PNC - New York Stock Exchange, Inc. - US6934751057 - Common Stock - Currency: USD

190.52  -1.37 (-0.71%)

Fundamental Rating

3

Taking everything into account, PNC scores 3 out of 10 in our fundamental rating. PNC was compared to 404 industry peers in the Banks industry. PNC has a bad profitability rating. Also its financial health evaluation is rather negative. PNC has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

PNC had positive earnings in the past year.
PNC had a positive operating cash flow in the past year.
Each year in the past 5 years PNC has been profitable.
Of the past 5 years PNC 4 years had a positive operating cash flow.
PNC Yearly Net Income VS EBIT VS OCF VS FCFPNC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

1.2 Ratios

PNC has a Return On Assets (0.84%) which is comparable to the rest of the industry.
PNC has a Return On Equity of 8.50%. This is comparable to the rest of the industry: PNC outperforms 53.77% of its industry peers.
Industry RankSector Rank
ROA 0.84%
ROE 8.5%
ROIC N/A
ROA(3y)0.97%
ROA(5y)1.09%
ROE(3y)10.87%
ROE(5y)11.15%
ROIC(3y)N/A
ROIC(5y)N/A
PNC Yearly ROA, ROE, ROICPNC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

PNC has a Profit Margin (22.16%) which is in line with its industry peers.
PNC's Profit Margin has declined in the last couple of years.
PNC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 22.16%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.25%
PM growth 5Y-3.43%
GM growth 3YN/A
GM growth 5YN/A
PNC Yearly Profit, Operating, Gross MarginsPNC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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2

2. Health

2.1 Basic Checks

PNC does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, PNC has less shares outstanding
PNC has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, PNC has a worse debt to assets ratio.
PNC Yearly Shares OutstandingPNC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M
PNC Yearly Total Debt VS Total AssetsPNC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B 400B 500B

2.2 Solvency

The Debt to FCF ratio of PNC is 3.66, which is a good value as it means it would take PNC, 3.66 years of fcf income to pay off all of its debts.
PNC has a Debt to FCF ratio of 3.66. This is comparable to the rest of the industry: PNC outperforms 43.22% of its industry peers.
A Debt/Equity ratio of 0.72 indicates that PNC is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.72, PNC is doing worse than 82.66% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.72
Debt/FCF 3.66
Altman-Z N/A
ROIC/WACCN/A
WACC10.82%
PNC Yearly LT Debt VS Equity VS FCFPNC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PNC Yearly Current Assets VS Current LiabilitesPNC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

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4

3. Growth

3.1 Past

PNC shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.81%.
Measured over the past 5 years, PNC shows a small growth in Earnings Per Share. The EPS has been growing by 4.46% on average per year.
Looking at the last year, PNC shows a small growth in Revenue. The Revenue has grown by 0.30% in the last year.
Measured over the past years, PNC shows a small growth in Revenue. The Revenue has been growing by 5.06% on average per year.
EPS 1Y (TTM)3.81%
EPS 3Y-1.33%
EPS 5Y4.46%
EPS Q2Q%19.3%
Revenue 1Y (TTM)0.3%
Revenue growth 3Y3.91%
Revenue growth 5Y5.06%
Sales Q2Q%3.84%

3.2 Future

PNC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.34% yearly.
PNC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.38% yearly.
EPS Next Y9.64%
EPS Next 2Y11.76%
EPS Next 3Y11.65%
EPS Next 5Y6.34%
Revenue Next Year6.68%
Revenue Next 2Y6.14%
Revenue Next 3Y5.5%
Revenue Next 5Y3.38%

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
PNC Yearly Revenue VS EstimatesPNC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 5B 10B 15B 20B 25B
PNC Yearly EPS VS EstimatesPNC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 5 10 15 20

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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 13.44, which indicates a correct valuation of PNC.
The rest of the industry has a similar Price/Earnings ratio as PNC.
PNC is valuated cheaply when we compare the Price/Earnings ratio to 30.30, which is the current average of the S&P500 Index.
PNC is valuated correctly with a Price/Forward Earnings ratio of 12.25.
The rest of the industry has a similar Price/Forward Earnings ratio as PNC.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.06, PNC is valued a bit cheaper.
Industry RankSector Rank
PE 13.44
Fwd PE 12.25
PNC Price Earnings VS Forward Price EarningsPNC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, PNC is valued cheaper than 87.44% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.89
EV/EBITDA N/A
PNC Per share dataPNC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.39
PEG (5Y)3.01
EPS Next 2Y11.76%
EPS Next 3Y11.65%

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6

5. Dividend

5.1 Amount

PNC has a Yearly Dividend Yield of 3.27%.
PNC's Dividend Yield is a higher than the industry average which is at 3.16.
PNC's Dividend Yield is a higher than the S&P500 average which is at 2.29.
Industry RankSector Rank
Dividend Yield 3.27%

5.2 History

The dividend of PNC is nicely growing with an annual growth rate of 12.77%!
PNC has paid a dividend for at least 10 years, which is a reliable track record.
PNC has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)12.77%
Div Incr Years14
Div Non Decr Years14
PNC Yearly Dividends per sharePNC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6

5.3 Sustainability

61.15% of the earnings are spent on dividend by PNC. This is not a sustainable payout ratio.
The dividend of PNC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP61.15%
EPS Next 2Y11.76%
EPS Next 3Y11.65%
PNC Yearly Income VS Free CF VS DividendPNC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B
PNC Dividend Payout.PNC Dividend Payout, showing the Payout Ratio.PNC Dividend Payout.PayoutRetained Earnings

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PNC FINANCIAL SERVICES GROUP

NYSE:PNC (2/21/2025, 11:19:05 AM)

190.52

-1.37 (-0.71%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-16 2025-01-16/bmo
Earnings (Next)04-15 2025-04-15/bmo
Inst Owners85.74%
Inst Owner Change-0.33%
Ins Owners0.39%
Ins Owner Change-1.82%
Market Cap75.43B
Analysts76.3
Price Target223.1 (17.1%)
Short Float %1.18%
Short Ratio2.29
Dividend
Industry RankSector Rank
Dividend Yield 3.27%
Yearly Dividend7.2
Dividend Growth(5Y)12.77%
DP61.15%
Div Incr Years14
Div Non Decr Years14
Ex-Date01-15 2025-01-15 (1.6)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.1%
Min EPS beat(2)9.54%
Max EPS beat(2)12.65%
EPS beat(4)4
Avg EPS beat(4)9.77%
Min EPS beat(4)6.3%
Max EPS beat(4)12.65%
EPS beat(8)7
Avg EPS beat(8)4.44%
EPS beat(12)10
Avg EPS beat(12)4.27%
EPS beat(16)14
Avg EPS beat(16)10.51%
Revenue beat(2)0
Avg Revenue beat(2)-0.6%
Min Revenue beat(2)-1.01%
Max Revenue beat(2)-0.2%
Revenue beat(4)1
Avg Revenue beat(4)-0.69%
Min Revenue beat(4)-1.81%
Max Revenue beat(4)0.26%
Revenue beat(8)1
Avg Revenue beat(8)-0.99%
Revenue beat(12)2
Avg Revenue beat(12)-0.97%
Revenue beat(16)6
Avg Revenue beat(16)-0.14%
PT rev (1m)0.65%
PT rev (3m)9.65%
EPS NQ rev (1m)1.98%
EPS NQ rev (3m)2.06%
EPS NY rev (1m)1.88%
EPS NY rev (3m)2.53%
Revenue NQ rev (1m)0.51%
Revenue NQ rev (3m)0.52%
Revenue NY rev (1m)0.92%
Revenue NY rev (3m)1.36%
Valuation
Industry RankSector Rank
PE 13.44
Fwd PE 12.25
P/S 3.53
P/FCF 6.89
P/OCF 6.89
P/B 1.35
P/tB 1.83
EV/EBITDA N/A
EPS(TTM)14.18
EY7.44%
EPS(NY)15.55
Fwd EY8.16%
FCF(TTM)27.64
FCFY14.51%
OCF(TTM)27.64
OCFY14.51%
SpS53.92
BVpS140.65
TBVpS104.19
PEG (NY)1.39
PEG (5Y)3.01
Profitability
Industry RankSector Rank
ROA 0.84%
ROE 8.5%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.16%
GM N/A
FCFM 51.26%
ROA(3y)0.97%
ROA(5y)1.09%
ROE(3y)10.87%
ROE(5y)11.15%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.25%
PM growth 5Y-3.43%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.72
Debt/FCF 3.66
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 231.33%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC10.82%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)3.81%
EPS 3Y-1.33%
EPS 5Y4.46%
EPS Q2Q%19.3%
EPS Next Y9.64%
EPS Next 2Y11.76%
EPS Next 3Y11.65%
EPS Next 5Y6.34%
Revenue 1Y (TTM)0.3%
Revenue growth 3Y3.91%
Revenue growth 5Y5.06%
Sales Q2Q%3.84%
Revenue Next Year6.68%
Revenue Next 2Y6.14%
Revenue Next 3Y5.5%
Revenue Next 5Y3.38%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y17.77%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y17.77%
OCF growth 3YN/A
OCF growth 5YN/A