Valuation dashboard for The PNC Financial Services Group, Inc. (PNC) with P/E 12.13, P/B 1.47, EV/EBITDA 10.92 and dividend yield 3.25%. DCF, Graham Number, EPS growth, peer multiples and dividend discount models plus sector comparison against other Financial Services companies.
PNC Financial Services Group, Inc. stands as a diversified financial institution operating across the United States. Founded in 1852 and headquartered in Pittsburgh, Pennsylvania, the company maintains an extensive physical footprint, boasting 2,591 branches and 9,502 ATMs. Its Retail Banking division delivers a full spectrum of financial solutions to individual consumers and small businesses.
Analysis Summary
The PNC Financial Services Group, Inc. reported revenue of $33.97B in the most recent fiscal year, growing at a 5-year CAGR of 13.2%. Net income reached $6.94B, with a -1.6% 5-year CAGR.
Trailing-twelve-month margins: gross margin 68.6%, operating margin 27.2%, net margin 22.1%.
At $227.86 (closing price, October 30, 2026), PNC trades at a P/E of 12.13 and an ROE of 12.61%. Market capitalisation stands at $90.5B, placing it among large-cap names.
Balance sheet quality for PNC: current ratio of 0.1. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Long-term track record: over the past decade, PNC has compounded revenue at 7.6% annually and net income at 5.4%. This decade-long view smooths out cyclical fluctuations and reveals the underlying business momentum more reliably than single-year snapshots.
Valuation Ratios
| P/E Ratio | 12.13 |
| Price / Book | 1.47 |
| EV / EBITDA | 10.92 |
| Dividend Yield | 3.25% |
Valuation Models
| DCF Fair Value | $148.97 |
| vs Current Price | -34.6% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| PNC | The PNC Financial Services Group, Inc. | $90.5B | 12.13 | 1.47 | 12.6% |
| FITB | Fifth Third Bancorp | $48.9B | 18.45 | 1.47 | 8.3% |
| HBAN | Huntington Bancshares Incorporated | $31.8B | 12.52 | 0.99 | 8.2% |
| ZION | Zions Bancorporation, National Association | $9.5B | 8.01 | 1.23 | 16.2% |
| USB | U.S. Bancorp | $92.6B | 11.59 | 1.39 | 12.6% |
| TFC | Truist Financial Corporation | $58.5B | 12.57 | 0.96 | 8.1% |
| MTB | M&T Bank Corporation | $31.9B | 11.51 | 1.13 | 10.7% |
| CFG | Citizens Financial Group, Inc. | $26.7B | 12.86 | 1.07 | 8.7% |
Price
| Price | $227.86 (closing price, October 30, 2026) |
| Market Cap | $90.5B |
| Exchange | NYSE |
| Country | US |
Profitability
| Return on Equity | 12.61% |
| Return on Invested Capital | 4.93% |
| Return on Assets | 1.26% |
| Gross Margin | 68.55% |
| Operating Margin | 27.21% |
| Net Margin | 22.11% |
Related companies: FITB · HBAN · ZION · USB · TFC · MTB · CFG · RF
Explore sector: Financial Services · Banks - Regional
More sections of PNC: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
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