Stock AnalizPNC Financial Services Group, Inc. PNC
Major Banks · data as of November 13, 2026
PNC Financial Services Group, Inc. (PNC) is a financial company listed in the US with a market value of about $92.2B. In the twelve months to September 30, 2026 it had revenue of $25.7B and net income of $7.5B, a net margin of 29.3%.
Its overall Stock Analiz score is 2.2 out of 5 (weak). The strongest part is value (4/5); the weakest is future growth (1/5).
Key numbers: a P/E of 12.4, a price to free cash flow of 11.7, 5-year revenue growth of 6% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 8% above the current price.
Score: 2.2 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- Profit margin improving
- Profitable 5 years in a row
- Positive free cash flow
- Pays a dividend
Checks not passed
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
- 5-year average ROIC above 12%
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $25.7B | $23.1B | $21.6B | $21.5B | $21.1B | $19.2B | $16.9B | $16.8B | $16.2B | $16.3B | $15.2B |
| Net income | $7.5B | $6.6B | $5.5B | $5.1B | $5.7B | $5.4B | $2.7B | $4.3B | $4.3B | $5.1B | $3.7B |
| Free cash flow | $7.9B | $4.4B | $7.9B | $10.1B | $9.1B | $7.2B | $4.7B | $7.4B | $7.8B | $5.6B | $3.5B |
| EPS (diluted) | $18.78 | $16.59 | $13.74 | $12.79 | $13.85 | $12.70 | $16.96 | $11.39 | $10.71 | $10.36 | $7.30 |
| Net margin | 29.3% | 28.5% | 25.5% | 23.8% | 27.0% | 28.2% | 16.1% | 25.4% | 26.3% | 30.9% | 24.1% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 21 analysts is $263.57, 13% above the current price; targets range from $240.00 to $285.00; the consensus rating is “Buy”; expected EPS is $18.96 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is PNC Financial Services Group’s P/E ratio?
About 12.4, based on the last twelve months of diluted earnings per share (forward P/E about 11.2).
Is PNC Financial Services Group stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 8% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does PNC Financial Services Group pay a dividend?
Yes. The dividend yield is about 3.45%, and it has paid dividends for 10 years in our data.
Is PNC Financial Services Group a good stock to buy?
We do not give buy or sell advice. PNC Financial Services Group scores 2.2 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.