Natwest Group PLC (NWG)vsPNC Financial Services Group Inc (PNC)
NWG
Natwest Group PLC
$14.60
+1.39%
FINANCIAL SERVICES · Cap: $57.46B
PNC
PNC Financial Services Group Inc
$205.95
-0.19%
FINANCIAL SERVICES · Cap: $83.43B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 40% more annual revenue ($22.32B vs $15.97B). NWG leads profitability with a 36.5% profit margin vs 31.1%. PNC appears more attractively valued with a PEG of 2.17. PNC earns a higher WallStSmart Score of 73/100 (B).
NWG
Strong Buy67
out of 100
Grade: B-
PNC
Strong Buy73
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+66.5%
Fair Value
$49.97
Current Price
$14.60
$35.37 discount
Margin of Safety
+73.5%
Fair Value
$776.41
Current Price
$205.95
$570.46 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 37 of every $100 in revenue as profit
Strong operational efficiency at 47.1%
Large-cap with strong market position
Reasonable price relative to book value
Generating 7.1B in free cash flow
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 39.3%
Large-cap with strong market position
Attractively priced relative to earnings
Earnings expanding 29.1% YoY
Areas to Watch
Elevated debt levels
Expensive relative to growth rate
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : NWG
The strongest argument for NWG centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 36.5% and operating margin at 47.1%. Revenue growth of 11.4% demonstrates continued momentum.
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 : NWG
The primary concerns for NWG are Debt/Equity, PEG Ratio, Altman Z-Score.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
PNC carries more volatility with a beta of 0.97 — expect wider price swings.
NWG is growing revenue faster at 11.4% — sustainability is the question.
NWG generates stronger free cash flow (7.1B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PNC scores higher overall (73/100 vs 67/100), backed by strong 31.1% margins. NWG offers better value entry with a 66.5% 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.
Natwest Group PLC
FINANCIAL SERVICES · BANKS - REGIONAL · USA
NatWest Group plc, provides banking and financial products and services to personal, commercial, corporate and institutional clients. The company is headquartered in Edinburgh, the United Kingdom.
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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