The PNC Financial Services Group, Inc.
The PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States. It operates through three segments: Retail Banking, Corporate & Institutional Banking, and Asset Management Group segments. The Retail Banking segment offers checking, savings, and money…
What to know about PNC
The PNC Financial Services Group, Inc. is a large Financial Services company with a mixed financial profile. It scores well on size and cash flow, but growth is worth keeping an eye on.
Should you consider PNC?
Based on 31 financial metrics and sector comparison. Not financial advice.
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The PNC Financial Services Group, Inc. is a large-cap Financial Services company with a mixed overall financial profile — it is in the lower half of its Financial Services peers (43 of 70).
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Profitability is roughly average for the S&P 500 — not a standout in either direction.
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Valuation looks attractive — the stock is priced reasonably relative to its earnings and sales compared to most peers. You're not overpaying for the business.
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Growth has been slower than most peers. That's not necessarily a dealbreaker, but it means the investment case rests more on current earnings than future expansion.
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There is a small dividend (0.03%), but income-focused investors will likely find better yields elsewhere in the market.
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Volatility is close to the S&P 500 average — typical market swings, nothing unusual.
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This is a mixed picture — real strengths in some areas, but areas that need watching too. Do your homework on the sector before deciding.
At a glance
How it scores
We look at 31 different financial metrics and group them into categories. Here's how PNC compares to the other S&P 500 stocks.
Dive deeper — all 31 metrics 9 categories · valuation, growth, health, dividends & more Show all Hide
Valuation
Is the stock cheap or expensive relative to its earnings, sales, and assets? Lower multiples often mean better value.
| Metric | Value | vs S&P 500 |
|---|---|---|
| P/E Ratio (Trailing) | 13.49 | Top 25% |
| Forward P/E | 11.04 | Top 25% |
| PEG Ratio | 1.86 | Average |
| Price to Sales | 4.04 | Average |
| Price to Book | 1.62 | Top 25% |
| EV/EBITDA | — | N/A |
| Earnings Yield | 7.41% | Top 25% |
Profitability
How efficiently does the company turn revenue into profit? Higher margins mean more money kept from each dollar earned.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Gross Margin | 0.00% | Below avg |
| Operating Margin | 36.73% | Top 25% |
| Net Profit Margin | 31.31% | Top 25% |
| Return on Equity | 12.10% | Average |
| Return on Invested Capital | 1.26% | Below avg |
Growth
How fast is the business expanding? Strong growth in revenue and earnings signals increasing market demand.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Revenue Growth (YoY) | 13.80% | Above avg |
| Revenue Growth (3Y CAGR) | 3.01% | Average |
| EPS Growth (YoY) | 17.70% | Above avg |
| Free Cash Flow Growth | -44.37% | Below avg |
Health
Can the company cover its debts and obligations? A healthy balance sheet reduces the risk of financial trouble.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Current Ratio | — | N/A |
| Debt to Equity | — | N/A |
| Interest Coverage | — | N/A |
| Altman Z-Score | — | N/A |
Dividends
Does the company pay shareholders, and is that payment growing and sustainable?
| Metric | Value | vs S&P 500 |
|---|---|---|
| Dividend Yield | 2.90% | Above avg |
| Payout Ratio | 38.93% | Average |
| Dividend Growth (5Y) | -6.66% | Above avg |
Cash Flow
Is real cash flowing into the business — not just accounting profits? Strong cash flow funds growth and dividends.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Free Cash Flow Yield | 7.32% | Top 25% |
| OCF to Sales | 28.68% | Above avg |
Risk
How volatile is the stock compared to the broader market? Lower beta and volatility mean a smoother ride.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Beta (1-Year) | 0.92 | Above avg |
| Volatility (30-Day) | 24.15% | Top 25% |
Sentiment
What do analysts and short-sellers think? High analyst ratings and low short interest signal broad confidence.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Short % of Float | 1.73% | Top 25% |
| Avg. Analyst Rating | 1.73 | Above avg |
| Target Upside % | 10.24% | Average |
Size
How large is the company by market value? Size affects stability, growth potential, and index inclusion.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Market Capitalization | 93.18B | Top 25% |
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