Axos Financial Inc (AX)vsPNC Financial Services Group Inc (PNC)
AX
Axos Financial Inc
$100.04
-1.81%
FINANCIAL SERVICES · Cap: $5.77B
PNC
PNC Financial Services Group Inc
$252.56
-0.08%
FINANCIAL SERVICES · Cap: $101.40B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 1737% more annual revenue ($24.32B vs $1.32B). AX leads profitability with a 36.0% profit margin vs 31.4%. AX appears more attractively valued with a PEG of 0.95. AX earns a higher WallStSmart Score of 77/100 (B+).
AX
Strong Buy77
out of 100
Grade: B+
PNC
Strong Buy76
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 45.0%
Growing faster than its price suggests
Reasonable price relative to book value
18.1% revenue growth
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 38.7%
Large-cap with strong market position
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 23.6% year-over-year
Areas to Watch
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : AX
The strongest argument for AX centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 36.0% and operating margin at 45.0%. Revenue growth of 18.1% demonstrates continued momentum.
Bull Case : PNC
The strongest argument for PNC centers on Profit Margin, Operating Margin, Market Cap. Profitability is solid with margins at 31.4% and operating margin at 38.7%. Revenue growth of 23.6% demonstrates continued momentum.
Bear Case : AX
The primary concerns for AX are Altman Z-Score.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
AX carries more volatility with a beta of 1.23 — expect wider price swings.
PNC is growing revenue faster at 23.6% — sustainability is the question.
PNC generates stronger free cash flow (1.9B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
AX scores higher overall (77/100 vs 76/100), backed by strong 36.0% margins and 18.1% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Axos Financial Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Axos Financial, Inc. offers commercial and consumer banking products in the United States. The company is headquartered in Las Vegas, Nevada.
Visit Website →PNC Financial Services Group Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
PNC Financial Services Group, Inc. (stylized as PNC) is a bank holding company and financial services corporation based in Pittsburgh, Pennsylvania. Its banking subsidiary, PNC Bank, operates in 21 states and the District of Columbia with 2,296 branches and 9,051 ATMs. The company also provides financial services such as asset management, wealth management, estate planning, loan servicing, and information processing.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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