Stock · PNC · Financial Services
United States · Large Cap · listed since 1988 · Revenue 12 mo. $35.7B
Price as of 11/06/2026
The PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States.
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.
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Summary
44.6 of 100
Mean of the six area values. Each area value is the mean of the stock's ranks among the companies in its sector. 50 is the middle of the sector, not a share of companies beaten.
Analysis
What the price requires
Book value €53.9B, market value €79B (P/B 1.5). At a 9% discount rate, the premium over book value only pays off with a lasting 13.2% return on equity.
Required return on equity per year
13.2%
no perpetual growth
Price to book 1.47×, above its usual range.
Middle half of 20 quarters: 1.23× to 1.40×, median 1.34×.
Measures only against its own past, not against what the company is worth. Price as of 11/06/2026.
with respect to the priced-in expectation
No indication in the stored figures.
with respect to the priced-in expectation
Since the last quarter
Q2 → Q3 2026
4 more unchanged: Revenue, 12 mo., EBIT margin, Shares outstanding, Return on equity
Derivation
Each area value is the average of its metrics' ranks within the sector (0 to 100, 50 is the middle). For metrics where lower is better, the rank is mirrored. The overall value is the average of the area values.
Price as of 11/06/2026.
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Return on equity | 11.45% | 12.46% | Rank 42 |
| Return on capital (Greenblatt) | 79.85% | 59.04% | Rank 57 |
| EBIT margin | 24.98% | 23.06% | Rank 54 |
| FCF margin | 12.90% | 19.82% | Rank 33 |
| Gross margin | 65.70% | 65.53% | Rank 50 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Revenue growth, 1 year | 0.83% | 7.39% | Rank 28 |
| Earnings growth, 3 years per year | 6.28% | 15.20% | Rank 24 |
| Earnings growth, 5 years per year | 0.00% | 15.17% | Rank 10 |
| Sustainable growth (ROE × retained earnings) | 0.00% | 1.25% | Rank 6 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Earnings yield | 7.81% | 6.47% | Rank 70 |
| FCF yield | 4.98% | 7.16% | Rank 37 |
| EV/saleslower is better | 2.79 | 2.82 | Rank 50 |
| EV/EBITlower is better | 11.17 | 14.24 | Rank 64 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Share price, 1 year | 13.61% | 7.80% | Rank 59 |
| Share price, 6 months | 4.42% | 8.71% | Rank 35 |
| Share price, 3 months | −5.63% | 0.45% | Rank 21 |
| Distance from 52-week high | −12.29% | −10.68% | Rank 42 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Accruals (Sloan)lower is better | 3.21% | 1.23% | Rank 30 |
| Change in share countlower is better | −1.50% | −0.60% | Rank 63 |
| Dividend streak in years | 15 | 5 | Rank 82 |
| Price reaction to results, market-adjusted | −0.81% | 0.00% | Rank 33 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Equity ratio | 10.56% | 9.21% | Rank 57 |
| Net debt/EBITDAlower is better | 0.76 | 0.12 | Rank 41 |
| Debt to equitylower is better | 0.94 | 0.90 | Rank 50 |
| Volatility, 1 yearlower is better | 21.13% | 25.95% | Rank 80 |
Ten years in figures
| Year | Revenue, $B | Net income, $B | Return on equity | Shares |
|---|---|---|---|---|
| 2016 | 16.4 | 3.9 | 8.5% | 500M |
| 2017 | 18.0 | 5.3 | 11.2% | 486M |
| 2018 | 19.1 | 5.3 | 11.1% | 470M |
| 2019 | 20.6 | 5.4 | 10.9% | 448M |
| 2020 | 18.3 | 7.5 | 13.9% | 427M |
| 2021 | 19.7 | 5.7 | 10.2% | 426M |
| 2022 | 23.5 | 6.0 | 13.2% | 412M |
| 2023 | 31.9 | 5.6 | 10.9% | 401M |
| 2024 | 33.7 | 5.9 | 10.8% | 400M |
| 2025 | 34.0 | 6.9 | 11.5% | 394M |
1 of 7 StockScorer Score rules met · How the score is built
PNC Financial Services Group Inc mainly meets criteria in the Profitability category. Result from 18 strategies checked.
This is how the StockScorer Score strategy, the flagship rule set, calculates the points for PNC Financial Services Group Inc. It compares return and cash-flow metrics with the median of the company's own sector and checks growth and price trend.
1 of 7 rules met
2 of 11 points
The rule “Exclusion: financial and real estate stocks” applies. The stock is therefore not rated regardless of the points scored.
Detail data
Excerpt from 18 strategies checked. The full evaluation is visible after a free sign-up.
With a free account, you can see the match across all strategies checked in one complete overview.
Selected fundamental metrics for PNC Financial Services Group Inc.
| Metric | Stock | Sector |
|---|---|---|
| P/E ratio | 12.8 | 15.2 |
| P/B ratio | 1.5 | 1.8 |
| Return on equity (ROE) | 11.4% | 12.5% |
| Equity ratio | 10.6% | 9.2% |
| Debt-to-equity (D/E) | 0.94 | 0.90 |
| Dividend yield | 3.3% | 3.3% |
How comparable stocks in the same sector score in the StockScorer model.
| Symbol | Company | Rating |
|---|---|---|
| PNC | PNC Financial Services Group Incthis page | |
| USB | U.S. Bancorp | Low3.6 |
| TFC | Truist Financial Corp | Low5.5 |
| FITB | Fifth Third Bancorp | Low5.5 |
| HBAN | Huntington Bancshares Incorporated | locked |
| MTB | M&T Bank Corporation | locked |
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