WallStSmart

Enbridge Inc (ENB)vsPNC Financial Services Group Inc (PNC)

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Smart Verdict

WallStSmart Research — data-driven comparison

Enbridge Inc generates 192% more annual revenue ($65.19B vs $22.32B). PNC leads profitability with a 31.1% profit margin vs 11.5%. ENB appears more attractively valued with a PEG of 1.82. PNC earns a higher WallStSmart Score of 73/100 (B).

ENB

Strong Buy

67

out of 100

Grade: B-

Growth: 5.3Profit: 6.5Value: 10.0Quality: 4.5
Piotroski: 3/9Altman Z: 0.61

PNC

Strong Buy

73

out of 100

Grade: B

Growth: 7.3Profit: 7.5Value: 10.0Quality: 5.0
Piotroski: 5/9Altman Z: 0.15
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ENBUndervalued (+53.1%)

Margin of Safety

+53.1%

Fair Value

$109.98

Current Price

$54.48

$55.50 discount

UndervaluedFair: $109.98Overvalued
PNCUndervalued (+73.5%)

Margin of Safety

+73.5%

Fair Value

$776.41

Current Price

$205.95

$570.46 discount

UndervaluedFair: $776.41Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ENB3 strengths · Avg: 9.0/10
Debt/EquityHealth
0.1010/10

Conservative balance sheet, low leverage

Market CapQuality
$116.68B9/10

Large-cap with strong market position

Price/BookValuation
2.9x8/10

Reasonable price relative to book value

PNC6 strengths · Avg: 9.2/10
Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Profit MarginProfitability
31.1%10/10

Keeps 31 of every $100 in revenue as profit

Operating MarginProfitability
39.3%10/10

Strong operational efficiency at 39.3%

Market CapQuality
$83.43B9/10

Large-cap with strong market position

P/E RatioValuation
12.4x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
29.1%8/10

Earnings expanding 29.1% YoY

Areas to Watch

ENB4 concerns · Avg: 3.3/10
PEG RatioValuation
1.824/10

Expensive relative to growth rate

EPS GrowthGrowth
2.9%4/10

2.9% earnings growth

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Altman Z-ScoreHealth
0.612/10

Distress zone — elevated risk

PNC2 concerns · Avg: 3.0/10
PEG RatioValuation
2.174/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.152/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : ENB

The strongest argument for ENB centers on Debt/Equity, Market Cap, Price/Book.

Bull Case : PNC

The strongest argument for PNC centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.1% and operating margin at 39.3%.

Bear Case : ENB

The primary concerns for ENB are PEG Ratio, EPS Growth, Piotroski F-Score.

Bear Case : PNC

The primary concerns for PNC are PEG Ratio, Altman Z-Score.

Key Dynamics to Monitor

ENB profiles as a value stock while PNC is a mature play — different risk/reward profiles.

PNC carries more volatility with a beta of 0.97 — expect wider price swings.

PNC is growing revenue faster at 9.6% — sustainability is the question.

PNC generates stronger free cash flow (2.3B), providing more financial flexibility.

Bottom Line

PNC scores higher overall (73/100 vs 67/100), backed by strong 31.1% margins. ENB offers better value entry with a 53.1% margin of safety. 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.

Enbridge Inc

ENERGY · OIL & GAS MIDSTREAM · USA

Enbridge Inc. is an energy infrastructure company. The company is headquartered in Calgary, Canada.

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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