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The PNC Financial Services Group, Inc. PNC NYSE

NYSE • Financial Services • Banks - Regional • US • USD

SharesGrow Score
65/100
4/7 Pass
SharesGrow Intrinsic Value
$311.48
+40.8%
Analyst Price Target
$244.44
+10.5%
SharesGrow 7-Criteria Score All 7 criteria scored · income-related highlighted on this page

The PNC Financial Services Group, Inc. (PNC) has shown strong revenue growth over the past 3 years, expanding from $23.5B to $31.3B (average +11.4%/yr). Net income reached $6.9B, reflecting solid earnings growth at +5.2%/yr on average. The net profit margin is 22.1%, which is high. The company has maintained profitability in all 4 of the past 4 years, demonstrating a consistent earnings track record. The gross margin is 71.7% (high), with a -16pp trend over the period. With a $89B market cap and MOAT composite score of 69/100, the company has a moderate competitive position.

Criteria proven by this page:

  • GROWTH (73/100, Pass) — proving strong growth momentum
  • PAST (100/100, Pass) — proving consistent earnings. Looking at the full 41-year history, the company was profitable in 41 of 41 years — a perfect long-term track record
  • INCOME (85/100, Pass) — proves strong profitability and pricing power
  • MOAT (69/100, Partial) — some competitive advantages are present but not dominant

Overall SharesGrow Score: 65/100 with 4/7 criteria passed.

65/100
SG Score
View full scorecard →
VALUE
74/100
Price-to-Earnings & upside
→ IV page
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FUTURE
40/100
Analyst consensus
→ Forecast
PAST
100/100
4/4 yrs profit
EPS $16.59
Proven by this page
HEALTH
17/100
Debt-to-Equity & liquidity
→ Health
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MOAT
69/100
Score: 69/100
GM 71.7% (-16pp)
Proven by this page
GROWTH
73/100
Rev +11.4%/yr
NI +5.2%/yr
Proven by this page
INCOME
85/100
Margin 22.1%
$31.3B
Proven by this page
The PNC Financial Services Group, Inc. Earnings and Revenue History
Analyst Forecast →
Revenue  Actual & Estimate
Earnings & Profit Margin  Actual & Estimate
Metric TTM FY2025 FY2024 FY2023 FY2022
Revenue $33.99B$31.34B$33.69B$31.9B$23.54B
Gross Profit $22.32B$22.46B$20.01B$20.75B$20.64B
Gross Margin 65.7%71.7%59.4%65%87.7%
Operating Income $8.49B$8.49B$7.24B$6.74B$7.47B
Net Income $6.94B$6.94B$5.89B$5.58B$6.04B
Net Margin 20.4%22.1%17.5%17.5%25.7%
EPS (Diluted) $16.59$16.59$13.82$12.79$13.85
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