British American Tobacco p.l.c. (BTI)vsPNC Financial Services Group Inc (PNC)
BTI
British American Tobacco p.l.c.
$58.28
+0.34%
CONSUMER DEFENSIVE · Cap: $125.67B
PNC
PNC Financial Services Group Inc
$216.85
-1.11%
FINANCIAL SERVICES · Cap: $88.06B
Smart Verdict
WallStSmart Research — data-driven comparison
British American Tobacco p.l.c. generates 11% more annual revenue ($25.61B vs $23.04B). PNC leads profitability with a 31.3% profit margin vs 30.3%. BTI appears more attractively valued with a PEG of 1.52. PNC earns a higher WallStSmart Score of 75/100 (B).
BTI
Buy60
out of 100
Grade: C+
PNC
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+23.4%
Fair Value
$78.80
Current Price
$58.28
$20.52 discount
Intrinsic value data unavailable for PNC.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 34.6%
Large-cap with strong market position
Attractively priced relative to earnings
Generating 3.0B in free cash flow
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 36.7%
Large-cap with strong market position
Attractively priced relative to earnings
Generating 1.9B in free cash flow
Areas to Watch
Expensive relative to growth rate
Trading at 10.1x book value
0.1% revenue growth
1.6% earnings growth
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : BTI
The strongest argument for BTI centers on Profit Margin, Operating Margin, Market Cap. Profitability is solid with margins at 30.3% and operating margin at 34.6%.
Bull Case : PNC
The strongest argument for PNC centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.3% and operating margin at 36.7%. Revenue growth of 13.8% demonstrates continued momentum.
Bear Case : BTI
The primary concerns for BTI are PEG Ratio, Price/Book, Revenue Growth.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
BTI profiles as a value stock while PNC is a mature play — different risk/reward profiles.
PNC carries more volatility with a beta of 0.93 — expect wider price swings.
PNC is growing revenue faster at 13.8% — sustainability is the question.
BTI generates stronger free cash flow (3.0B), providing more financial flexibility.
Bottom Line
PNC scores higher overall (75/100 vs 60/100), backed by strong 31.3% margins and 13.8% revenue growth. BTI offers better value entry with a 23.4% margin of safety. Both earn "Strong Buy" and "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.
British American Tobacco p.l.c.
CONSUMER DEFENSIVE · TOBACCO · USA
British American Tobacco plc offers tobacco and nicotine products to consumers around the world. The company is headquartered in London, the United Kingdom.
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.
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