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The PNC Financial Services Group, Inc. logoThe PNC Financial Services Group, Inc.PNC
$225.53+1.18%
The PNC Financial Services Group, Inc. logo

The PNC Financial Services Group, Inc.

PNC

$225.53

+$2.64 (+1.18%)

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ProfitabilityN/AGrowthSteady growthCash FlowN/AValuationAttractively priced
What stands out

28.47% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.

What's changing

Revenue grew 7.2% YoY.

What deserves caution

Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.

Valuation context

12.4x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.

Price History

+24.5%

Valuation & Multiples

Based on TTM earnings · Diluted shares

Market Cap$89.97B
EPS$18.17
P/E12.41
Div. Yield3.05%
Net Margin29.0%
P/Book1.4x
52-Week Range
$179.04$256.97

Profitability & Returns

Revenue (TTM)

$25.03B

▲ +7.2% YoY

Net Income (TTM)

$7.26B

▲ +19.7% YoY

Net Margin

29.03%

P/E

12.4x

Balance Sheet

Total Assets

$616.03B

Equity

$64.01B

Total Debt

$85.72B

Cash & Equiv.

$28.75B

5Y CAGR: +10.7%

Continue Research

SourceComputed from the 10-Q filed 20 Jul 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 28 Sept 2026. How this is calculated.

Price from market data, last close as of 22 Oct 2026. Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically.

Is PNC Financial Services Group (PNC) overvalued?

At a P/E of 12.4, PNC Financial Services Group (PNC)'s valuation is best read against its own history, its peers, and the growth its price implies. A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.

On quality, PNC Financial Services Group scores 85/100 on Intrinsiqq's quality scorecard (a high-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 3.0%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology, or see how the market compares in our US profitability statistics. This is analysis, not investment advice.

Frequently asked

Is PNC Financial Services Group a high-quality business?+

PNC Financial Services Group scores 85 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a high-quality business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.

Does PNC Financial Services Group (PNC) pay a dividend, and how much?+

Yes, PNC Financial Services Group pays a regular dividend of about $6.80 per share per year (typically in quarterly installments), a yield of roughly 3.0% at the current price. That is a payout ratio of about 37.7% of earnings, so the dividend is amply covered by earnings. PNC Financial Services Group has grown the dividend at roughly 6.4% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For PNC's full payout history, growth streak and dividend-safety score, see the dividends tab.

Is PNC Financial Services Group a good stock to buy right now?+

That depends on valuation and quality together, not either alone. you should weigh PNC's valuation and scores 85/100 on quality (high-quality). It also yields about 3.0%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.

Related stocks: National Commercial Banks

Spot a number that looks wrong? Check it in PNC's SEC filings or

Download this analysis as a PDF (Pro)

Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

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Not financial advice. Analytical data for research only.

Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.