PNC Financial Services Group Inc (PNC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
PNC Financial Services Group Inc stock (PNC) is currently trading at $201.71. PNC Financial Services Group Inc PE ratio is 12.18. PNC Financial Services Group Inc PS ratio (Price-to-Sales) is 3.65. Analyst consensus price target for PNC is $250.90. WallStSmart rates PNC as Moderate Buy.
PNC Financial Services Group Inc (PNC) stock price prediction for 2030: Base case $423.47. Bull case $529.34. Bear case $317.60. See full PNC 2030 price forecast and methodology on WallStSmart.
- PNC PE ratio analysis and historical PE chart
- PNC PS ratio (Price-to-Sales) history and trend
- PNC intrinsic value — DCF, Graham Number, EPV models
- PNC stock price prediction 2025 2026 2027 2028 2029 2030
- PNC fair value vs current price
- PNC insider transactions and insider buying
- Is PNC undervalued or overvalued?
- PNC Financial Services Group Inc financial analysis — revenue, earnings, cash flow
- PNC Piotroski F-Score and Altman Z-Score
- PNC analyst price target and Smart Rating
PNC Financial Services Group Inc
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PNC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · PNC Financial Services Group Inc (PNC)
PNC trades at a significant discount to its Graham intrinsic value of $775.01, offering a 74% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
PNC Financial Services Group Inc (PNC) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, operating margin, price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
PNC Financial Services Group Inc (PNC) Key Strengths (6)
Keeps $39 of every $100 in revenue after operating costs
Keeps $31 of every $100 in revenue as net profit
84.81% of shares held by major funds and institutions
Large-cap company with substantial market presence
Trading at 1.34x book value, attractively priced
Strong earnings growth at 29.10% per year
Supporting Valuation Data
PNC Financial Services Group Inc (PNC) Areas to Watch (4)
Paying a premium for growth, expensive relative to earnings expansion
Modest revenue growth at 9.60%
Moderate profitability with room for improvement
Revenue is fairly priced at 3.65x sales
PNC Financial Services Group Inc (PNC) Detailed Analysis Report
Overall Assessment
This company scores 73/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.2/10) while 4 fall into concern territory (avg 4.8/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Institutional Own.. Valuation metrics including Price/Book (1.34) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 39.30%, Profit Margin at 31.10%. Growth metrics are encouraging with EPS Growth at 29.10%.
The Bear Case
The primary concerns are PEG Ratio, Revenue Growth, Return on Equity. Some valuation metrics including PEG Ratio (2.17), Price/Sales (3.65) suggest expensive pricing. Growth concerns include Revenue Growth at 9.60%, which may limit upside. Profitability pressure is visible in Return on Equity at 12.20%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether PEG Ratio improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 12.20% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 9.60% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Profit Margin makes a compelling case at current levels. The key risk is PEG Ratio, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
WallStSmart Analysis Synopsis
Data-driven financial summary for PNC Financial Services Group Inc (PNC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
PNC Financial Services Group Inc is a mature, profitable business with steady cash generation. Revenue reached 22.3B with 10% growth year-over-year. Profit margins are strong at 31.1%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1220.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 31.1% and operating margin of 39.3% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 3.3%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 57.1B is significantly higher than cash (6.8B). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact PNC Financial Services Group Inc.
Bottom Line
PNC Financial Services Group Inc is a well-established business delivering consistent profitability with 31.1% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(101 last 3 months)
| Insider | Type | Shares |
|---|---|---|
MEDLER, LINDA R Director | Buy | +20 |
| Insider | Type | Shares |
|---|---|---|
REILLY, ROBERT Q Executive Vice President | Buy | +5,519 |
Data sourced from SEC Form 4 filings
Last updated: 10:03:25 AM
About PNC Financial Services Group Inc(PNC)
NYSE
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.