PNC Financial Services (PNC) Stock Analysis
Here is a fundamental analysis of PNC Financial Services (PNC), benchmarking its profitability, financial strength, dividend and valuation against its industry group peers.
Performance
Cumulative Growth
Trailing Returns
Performance at a Glance
| Metric | Current stock: PNC | Industry group median |
|---|---|---|
| 1-Year Return | 36.84% | 34.88% |
Risk
Drawdown
Risk at a Glance
| Metric | Current stock: PNC | Industry group median |
|---|---|---|
| 1-Year Volatility | 21.78% | 26.66% |
| Beta | 0.92 | 0.72 |
Company Profile
| Profile Item | PNC |
|---|---|
| Name | The PNC Financial Services Group, Inc. |
| Country/Region | United States |
| GICS Sector | Financials |
| GICS Industry Group | Banks |
| GICS Industry | Banks |
| GICS Sub-Industry | Diversified Banks |
| Market Capitalization | 93.18 billion USD |
| Currency | USD |
| Exchange | NYSE |
| Listing Date | November 17, 1975 |
| Security Type | Common Stock |
Valuation
Price-to-Earnings Ratio (TTM)
PNC Financial Services (PNC) trades at P/E ratio of 13.49, near the industry’s usual earnings multiple. The stock is not showing a clear peer discount or premium on trailing earnings.
PNC
Banks industry group
13.49
Group distribution
- Max
- 20.85
- Q3
- 15.27
- PNC
- 13.49
- Median
- 12.70
- Q1
- 11.13
- Min
- 6.36
Largest peers
- RY
- 18.29
- C
- 17.68
- HSBC
- 15.70
- JPM
- 15.57
- BAC
- 13.95
- PNC
- 13.49
- WFC
- 12.70
Price-to-Sales Ratio (TTM)
P/S ratio is not assessed for PNC Financial Services (PNC) in Banks: the revenue line is driven by spread economics rather than conventional product or service sales, so book value or earnings usually carry more weight.
Price-to-Book Ratio (MRQ)
PNC Financial Services (PNC) trades at 1.62 on P/B ratio, in the higher book-value quartile. The market is paying a premium to book, so stronger ROE, cleaner assets, or a better growth profile need to justify it.
PNC
Banks industry group
1.62
Group distribution
- Max
- 2.23
- PNC
- 1.62
- Q3
- 1.56
- Median
- 1.27
- Q1
- 1.10
- Min
- 0.62
Largest peers
- HSBC
- 7.47
- RY
- 3.02
- JPM
- 2.53
- PNC
- 1.62
- WFC
- 1.55
- BAC
- 1.45
- C
- 1.27
Valuation at a Glance
| Metric | Current stock: PNC | Industry group median |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 13.49 | 12.70 |
| Price-to-Sales Ratio (TTM) | -- | -- |
| Price-to-Book Ratio (MRQ) | 1.62 | 1.27 |
| Free Cash Flow Yield | -- | -- |
Profitability
Return on Equity (TTM)
PNC Financial Services (PNC) posts ROE of 12.10%, roughly around the peer group’s normal range. Shareholders’ equity is producing a return that looks broadly typical for the industry.
PNC
Banks industry group
12.10%
Group distribution
- Max
- 19.15%
- Q3
- 13.07%
- PNC
- 12.10%
- Median
- 10.82%
- Q1
- 8.57%
- Min
- 3.15%
Largest peers
- JPM
- 16.47%
- RY
- 16.20%
- PNC
- 12.10%
- WFC
- 12.03%
- HSBC
- 11.61%
- BAC
- 10.64%
- C
- 7.65%
Net Profit Margin (TTM)
PNC Financial Services (PNC) keeps 31.31% of revenue as net profit, roughly in line with the peer group’s normal net margin range. Its full cost stack is taking a typical share of sales for the industry.
PNC
Banks industry group
31.31%
Group distribution
- Max
- 47.55%
- Q3
- 34.61%
- PNC
- 31.31%
- Median
- 30.31%
- Q1
- 25.62%
- Min
- 12.76%
Largest peers
- HSBC
- 34.98%
- JPM
- 33.94%
- RY
- 33.69%
- PNC
- 31.31%
- BAC
- 28.96%
- WFC
- 26.74%
- C
- 20.36%
Operating Profit Margin (TTM)
operating margin is set aside for PNC Financial Services (PNC) in Banks: the operating-income line is not a clean boundary for this business model, so net margin, ROE, FFO, or industry-specific measures may be more useful.
Profitability at a Glance
| Metric | Current stock: PNC | Industry group median |
|---|---|---|
| Return on Equity (TTM) | 12.10% | 10.82% |
| Return on Assets (TTM) | 1.26% | 1.16% |
| Net Profit Margin (TTM) | 31.31% | 30.31% |
| Operating Profit Margin (TTM) | -- | -- |
| Gross Profit Margin (TTM) | -- | -- |
Financial Strength
Current Ratio (MRQ)
current ratio is set aside for PNC Financial Services (PNC) in Banks: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.
Debt-to-Equity Ratio (MRQ)
debt-to-equity ratio is set aside for PNC Financial Services (PNC) in Banks: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.
Financial Strength at a Glance
| Metric | Current stock: PNC | Industry group median |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt-to-Equity Ratio (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
PNC Financial Services (PNC) has dividend yield of 2.90%, in the industry’s normal income range. It provides a meaningful dividend without the red flag of an unusually high headline yield.
PNC
Banks industry group
2.90%
Group distribution
- Max
- 6.87%
- Q3
- 2.97%
- PNC
- 2.90%
- Median
- 1.82%
- Q1
- 0.00%
- Min
- 0.00%
Largest peers
- HSBC
- 3.97%
- PNC
- 2.90%
- RY
- 2.53%
- WFC
- 2.12%
- BAC
- 1.97%
- C
- 1.68%
- JPM
- 0.00%
Dividend Payout Ratio (TTM)
PNC Financial Services (PNC) has payout ratio of 38.93%, within the industry’s typical payout band. The dividend shares profits with investors while leaving earnings coverage that looks normal for the peer group.
PNC
Banks industry group
38.93%
Group distribution
- Max
- 67.80%
- Q3
- 42.56%
- PNC
- 38.93%
- Median
- 28.63%
- Q1
- 20.42%
- Min
- 0.00%
Largest peers
- HSBC
- 61.98%
- RY
- 41.35%
- PNC
- 38.93%
- C
- 29.17%
- BAC
- 27.30%
- WFC
- 27.05%
- JPM
- --
Dividends at a Glance
| Metric | Current stock: PNC | Industry group median |
|---|---|---|
| Dividend Yield (TTM) | 2.90% | 1.82% |
| Dividend Payout Ratio (TTM) | 38.93% | 28.63% |