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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%

The PNC Financial Services Group, Inc. (PNC) is a Banks - Regional company in the Financial Services sector, currently trading at $221.20. It has a SharesGrow Score of 65/100, indicating a above average investment profile with 4 out of 7 criteria passed.

SharesGrow calculates the intrinsic value of PNC = $311.48 (+40.8% from the current price, the stock appears undervalued). Analyst consensus target is PNC = $244 (+10.5% upside).

Valuation: PNC trades at a trailing Price-to-Earnings (P/E) of 12.5 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 0.89.

Financials: revenue is $31.3B, +11.4%/yr average growth. Net income is $6.9B, growing at +5.2%/yr. Net profit margin is 22.1% (strong). Gross margin is 71.7% (-16 pp trend).

Balance sheet: total debt is $57.1B against $60.6B equity (Debt-to-Equity (D/E) ratio 0.94, moderate). Current ratio is 0.81 (tight liquidity). Debt-to-assets is 10%. Total assets: $573.6B.

Analyst outlook: 22 / 46 analysts rate PNC as buy (48%) — mixed sentiment.

SharesGrow 7-Criteria breakdown: Value 74/100 (Pass), Growth 73/100 (Pass), Past 100/100 (Pass), Health 17/100 (Fail), Moat 69/100 (Partial), Future 40/100 (Partial), Income 85/100 (Pass).

$244.44
▲ 10.51% Upside
Average Price Target
Based on 46 Wall Street analysts offering 12-month price targets for The PNC Financial Services Group, Inc., the average price target is $244.44, with a high forecast of $284.00, and a low forecast of $206.00.
Highest Price Target
$284.00
Average Price Target
$244.44
Lowest Price Target
$206.00

PNC SharesGrow Score Overview

65/100
SharesGrow Score
Above average fundamentals
View full scorecard →
VALUE 74/100
Valuation — P/E, PEG, Forward PEG
GROWTH 73/100
Financials — average growth
PAST 100/100
strong — trend
HEALTH 17/100
Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is
MOAT 69/100
Gross margin is + market cap
FUTURE 40/100
Analyst outlook — as buy
INCOME 85/100
Net profit margin is
Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — PNC

VALUE Pass
74/100
PNC trades at a trailing Price-to-Earnings (P/E) of 12.5 (S&P 500 average ~25). Forward PEG 0.89 — Peter Lynch undervalued (≤1.0). Trailing PEG 1.75. Analyst consensus target is $244, implying +10.3% from the current price $221. Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.
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GROWTH Pass
73/100
PNC: +11.4%/yr revenue is, +5.2%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.
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PAST Pass
100/100
PNC: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.
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HEALTH Fail
17/100
Balance sheet PNC: Debt-to-Equity (D/E) ratio 0.94 (moderate), Current ratio is 0.81 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.
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MOAT Partial
69/100
PNC: Gross margin is 71.7% (-16 pp trend), $89B market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 69/100. ≥ 70 = Pass.
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~
FUTURE Partial
40/100
Analyst outlook: 22 / 46 analysts rate PNC as buy (48%). Analyst consensus target is $244 (+10.3% upside). Score: 60% buy consensus + 40% upside. ≥ 60 = Pass.
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INCOME Pass
85/100
PNC: Net profit margin is 22.1%. healthy (≥15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.
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Stock Chart & Stats

Market Data
52-Week Range145.12-243.94
Volume2.41M
Avg Volume (30D)2.77M
Market Cap$89.23B
Beta (1Y)0.96
Dividend Yield$6.7000
Share Statistics
EPS (TTM)16.62
Shares Outstanding$394M
IPO Date1975-11-17
Employees53,686
CEOWilliam S. Demchak
Financial Highlights & Ratios
Revenue (TTM)$31.34B
Gross Profit$22.46B
EBITDA$8.58B
Net Income$6.94B
Operating Income$8.49B
Total Cash$39.71B
Total Debt$57.1B
Net Debt$50.32B
Total Assets$573.57B
Price / Earnings (P/E)13.3
Price / Sales (P/S)2.85
Analyst Forecast
1Y Price Target$240.00
Target High$284.00
Target Low$206.00
Upside+8.5%
Rating ConsensusHold
Analysts Covering46
Buy 48% Hold 50% Sell 2%
Price Target Summary
Company Info
CountryUS
ExchangeNYSE
CurrencyUSD
ISINUS6934751057

Price Chart

PNC
The PNC Financial Services Group, Inc.  ·  NYSE
Financial Services • Banks - Regional
145.12 52WK RANGE 243.94
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