PNC Financial Valuation
| PNC Stock | USD 232.74 1.50 0.65% |
At this time, the company appears to be undervalued. PNC Financial Services owns a latest Real Value of $256.66 per share. The recent price of the company is $232.74. Our model determines the value of PNC Financial Services from examining the company fundamentals such as operating margin of 0.39 %, and Return On Asset of 0.0123 as well as analyzing its technical indicators and probability of bankruptcy.
Undervalued
Today
Please note that PNC Financial's price fluctuation is very steady at this time. Calculation of the real value of PNC Financial Services is based on 3 months time horizon. Increasing PNC Financial's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since PNC Financial is currently traded on the exchange, buyers and sellers on that exchange determine the market value of PNC Stock. However, PNC Financial's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 232.74 | Real 256.66 | Target 251.45 | Hype 230.85 | Naive 224.35 |
The real value of PNC Stock, also known as its intrinsic value, is the underlying worth of PNC Financial Services Company, which is reflected in its stock price. It is based on PNC Financial's financial performance, growth prospects, management team, or industry conditions. The intrinsic value of PNC Financial's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, or news.
Estimating the potential upside or downside of PNC Financial Services helps investors to forecast how PNC stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of PNC Financial more accurately as focusing exclusively on PNC Financial's fundamentals will not take into account other important factors: PNC Financial Cash |
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PNC Financial Total Value Analysis
PNC Financial Services is at this time estimated to have company total value of 139.72 B with market capitalization of 93.49 B, debt of 57.1 B, and cash on hands of 7.03 B. Please note that company total value may be misleading and is a subject to accounting gimmicks. We encourage investors to carefully check all of the PNC Financial fundamentals before making security assessment based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
139.72 B | 93.49 B | 57.1 B | 7.03 B |
PNC Financial Investor Information
About 89.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 1.53. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. PNC Financial Services has Price/Earnings To Growth (PEG) ratio of 2.47. The entity recorded earning per share (EPS) of 16.58. The firm last dividend was issued on the 20th of January 2026. PNC Financial had 2:1 split on the 16th of November 1992. PNC Financial Services is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in March.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.19 | 0.2708 |
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| Total Cash From Operating Activities | 9.5 B | 9.1 B |
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| Operating Income | 8.9 B | 8.5 B |
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PNC Financial Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. PNC Financial has an asset utilization ratio of 5.46 percent. This indicates that the Company is making $0.0546 for each dollar of assets. An increasing asset utilization means that PNC Financial Services is more efficient with each dollar of assets it utilizes for everyday operations.PNC Financial Profitability Analysis
Taking into consideration PNC Financial's profitability measurements, PNC Financial Services may not be well positioned to generate adequate gross income at this time. It has a very high probability of underperforming in March. Profitability indicators assess PNC Financial's ability to earn profits and add value for shareholders.Net Income | First Reported 1989-09-30 | Previous Quarter 1.8 B | Current Value 2 B | Quarterly Volatility 741.5 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Gross Profit Margin | 0.56 | 0.7166 |
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| Net Profit Margin | 0.15 | 0.2213 |
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| Operating Profit Margin | 0.19 | 0.2708 |
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| Pretax Profit Margin | 0.19 | 0.2708 |
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| Return On Assets | 0.0095 | 0.0121 |
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| Return On Equity | 0.13 | 0.1145 |
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For PNC Financial profitability analysis, we use financial ratios and fundamental drivers that measure the ability of PNC Financial Services to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well PNC Financial utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between PNC Financial's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of PNC Financial over time as well as its relative position and ranking within its peers.
PNC Financial Earnings per Share Projection vs Actual
The next projected EPS of PNC Financial is estimated to be 3.92 with future projections ranging from a low of 3.5095 to a high of 4.2772. PNC Financial's most recent 12-month trailing earnings per share (EPS TTM) is at 16.58. Please be aware that the consensus of earnings estimates for PNC Financial Services is based on EPS before non-recurring items and includes expenses related to employee stock options.PNC Financial Earnings Estimation Breakdown
The calculation of PNC Financial's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of PNC Financial is estimated to be 3.92 with the future projection ranging from a low of 3.5095 to a high of 4.2772. Please be aware that this consensus of annual earnings estimates for PNC Financial Services is based on EPS before non-recurring items and includes expenses related to employee stock options.Last Reported EPS
3.51 Lowest | Expected EPS | 4.28 Highest |
PNC Financial Earnings Projection Consensus
Suppose the current estimates of PNC Financial's value are higher than the current market price of the PNC Financial stock. In this case, investors may conclude that PNC Financial is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and PNC Financial's stock will quickly adjusts to the new information provided by the consensus estimate.
| Number of Analysts | Historical Accuracy | Last Reported EPS | Estimated EPS for 31st of March 2026 | Current EPS (TTM) | |
| 23 | 91.39% | 4.88 | 3.92 | 16.58 |
PNC Financial Ownership Allocation
PNC Financial Services secures a total of 404.31 Million outstanding shares. The majority of PNC Financial Services outstanding shares are owned by institutions. These other corporate entities are usually referred to as non-private investors looking to secure positions in PNC Financial Services to benefit from reduced commissions. Therefore, outside corporations are subject to a different set of regulations than regular investors in PNC Financial Services. Please pay attention to any change in the institutional holdings of PNC Financial as this could imply that something significant has changed or is about to change at the company. Please note that on November 17, 2025, Representative Julie Johnson of US Congress acquired under $15k worth of PNC Financial Services's common stock.PNC Financial Profitability Analysis
The company reported the last year's revenue of 31.34 B. Total Income to common stockholders was 5.95 B with profit before taxes, overhead, and interest of 22.32 B.PNC Financial Past Distributions to stockholders
| 5th of February 2026 | ||
| 5th of November 2025 | ||
| 5th of August 2025 | ||
| 5th of May 2025 | ||
| 5th of February 2025 | ||
| 15th of January 2025 | ||
| 5th of November 2024 | ||
| 5th of August 2024 | ||
| 15th of April 2024 |
Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates PNC Financial's worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in PNC Financial and how it compares across the competition.
About PNC Financial Valuation
The stock valuation mechanism determines PNC Financial's current worth on a weekly basis. Our valuation model uses a comparative analysis of PNC Financial. We calculate exposure to PNC Financial's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of PNC Financial's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 22.5 B | 23.6 B | |
| Pretax Profit Margin | 0.27 | 0.19 | |
| Operating Profit Margin | 0.27 | 0.19 | |
| Net Profit Margin | 0.22 | 0.15 | |
| Gross Profit Margin | 0.72 | 0.56 |
PNC Financial Quarterly Retained Earnings |
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A single share of PNC Financial represents a small ownership stake in the entity. As a stockholder of PNC, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
PNC Financial Dividends Analysis For Valuation
At present, PNC Financial's Dividend Payout Ratio is projected to increase slightly based on the last few years of reporting. The current year's Dividend Paid And Capex Coverage Ratio is expected to grow to 3.24, whereas Dividends Paid is projected to grow to (3.2 B). . At present, PNC Financial's Price Earnings Ratio is projected to increase slightly based on the last few years of reporting. The current year's Price Earnings To Growth Ratio is expected to grow to 0.60, whereas Retained Earnings Total Equity is forecasted to decline to about 35.1 B.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | -3.3 B | -3.2 B | |
| Dividend Yield | 0.03 | 0.04 | |
| Dividend Payout Ratio | 0.37 | 0.57 | |
| Dividend Paid And Capex Coverage Ratio | 2.45 | 3.24 |
There are various types of dividends PNC Financial can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of PNC shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from PNC Financial Services directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When PNC pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of PNC Financial by the value of the dividends paid out.
PNC Financial Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 394 M | |
| Quarterly Earnings Growth Y O Y | 0.294 | |
| Forward Price Earnings | 12.6103 |
PNC Financial Current Valuation Indicators
Valuation refers to the process of determining the present value of PNC Financial Services and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value PNC we look at many different elements of the entity such as PNC's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as PNC Financial, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use PNC Financial's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes PNC Financial's worth.Complementary Tools for PNC Stock analysis
When running PNC Financial's price analysis, check to measure PNC Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy PNC Financial is operating at the current time. Most of PNC Financial's value examination focuses on studying past and present price action to predict the probability of PNC Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move PNC Financial's price. Additionally, you may evaluate how the addition of PNC Financial to your portfolios can decrease your overall portfolio volatility.
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