NYSE
PNC
Last Price
US $251.62
KEY FIGURES
MKT CAP
$98.4B
EPS
TTM
$17.55
PEG
TTM
0.66x
P/E
TTM
14.22x
P/S
TTM
3.14x
YIELD
2.78%
GROWTH
Revenue Y/Y
Profit margin
Current Ratio
Capital Returns
11.98%
Return on equity
ROIC: 5%
Valuation History
14.2X
Price to Earnings
EV/EBITDA: 14.5X
Cash flow
Profit margin
11.41%
(FY vs FY)
EBITDA Y/Y
11.73%
(FY vs FY)
Cash flow Y/Y
-1.21%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $251.62
48.17%
Default assumptions
EBITDA Multiple
Fair Value
Market $251.62
-57.98%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.
Valuation
Financial
Performance
Financial risk - Cash flow debt coverage.
The PNC Financial Services Group, Inc. cash flow to debt ratio of 7.68% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Financial risk - Healthy cash flow growth.
The PNC Financial Services Group, Inc.'s free cash flow has decreased -44.37% from $7.88G last year to $4.38G, signaling decreasing performance
Financial risk - Healthy debt to equity ratio.
The PNC Financial Services Group, Inc.'s debt to equity ratio is 1.05, which means that the company's assets are unhealthy financed, signaling financial risk. READ MORE: A ratio over 0.60 means the company finances its assets with debt, signaling financial risk. If ratio is negative, the company spent its own equity and risks bankruptcy
Financial stability - Healthy debt to equity ratio development.
The PNC Financial Services Group, Inc.'s debt has decreased relative to shareholder equity from 1.13 last year to 1.05 today, signaling strengthened financials
Financial stability - Net debt/EBITDA.
The PNC Financial Services Group, Inc. has a net debt to EBITDA ratio of 2.03x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
The PNC Financial Services Group, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
The PNC Financial Services Group, Inc.'s profit margin has increased (28.78%) in the last year from 17.48% to 22.51%, signaling increasing performance
Financial risk - Short term assets vs short term liabilities.
The PNC Financial Services Group, Inc.'s short-term liabilities of $440.87G exceed its short-term assets of $50.39G, signaling financial risk
Decreasing performance - ROA.
The PNC Financial Services Group, Inc.'s return on assets of 1.20% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
The PNC Financial Services Group, Inc.'s return on equity of 11.98%, is lower than 15.00%, indicating bad performance
Decreasing performance - Earnings quality.
The PNC Financial Services Group, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation
Increasing performance - Earnings stability.
The PNC Financial Services Group, Inc. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
The PNC Financial Services Group, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
The PNC Financial Services Group, Inc. has a free cash flow yield of 4.46%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
The PNC Financial Services Group, Inc.'s yearly earnings has increased 17.78% since last year from $5.89G to $6.94G, signaling increasing performance
Decreasing performance - Healthy revenue growth.
The PNC Financial Services Group, Inc.'s yearly revenue has decreased -6.98% since last year from $33.69G to $31.34G, signaling decreasing performance
Increasing performance - ROIC.
ROIC 5.00% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.
Increasing performance - 3-year revenue CAGR.
The PNC Financial Services Group, Inc.'s 3-year revenue CAGR of 10.02% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
The PNC Financial Services Group, Inc. had revenue growth in 4.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
The PNC Financial Services Group, Inc. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Undervalued - DCF valuation.
The PNC Financial Services Group, Inc. is undervalued relative to its fair value price of 372.83 based on Discounted Cash Flow model
Undervalued - Earnings yield.
The PNC Financial Services Group, Inc. has an earnings yield of 7.16%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
The PNC Financial Services Group, Inc. is overvalued relative to its fair value price of 105.72 based on EBITDA multiple model
Undervalued - EV/EBITDA.
The PNC Financial Services Group, Inc. has an EV/EBITDA ratio of 14.52x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
The PNC Financial Services Group, Inc. has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
The PNC Financial Services Group, Inc. has a price-to-book ratio of 1.58x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
The PNC Financial Services Group, Inc. has a price-to-sales ratio of 3.07x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue