PNC
PNC Financial Services
$234.71
▲ 1.2%Updated Today 6:01 PM ET
▲ Up 32.4% over the last 12 months
Market Cap
$93.18B
P/E
12.94x
Forward P/E (est.)
10.78x
ROE
12.0%
Revenue Growth
72.3%
EPS Growth
20.1%
Profit Margin
28.8%
FCF Yield
6.5%
Debt / Equity
0.73x
ROIC
—
Interest Coverage
—
Current Ratio
—
Dividend Yield
2.9%
Implied Growth (rev. DCF)
—
Rating Score
80/100
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what PNC's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. PNC trades near $234.71, above its 50-day average ($222.14) and 200-day average ($209.31). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 64 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. PNC's is $5.42 (~2.3% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month PNC found buyers near $211.88 (support) and sellers near $239.84 (resistance); its 52-week range is $172.88–$243.94. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 1.2× the 20-day average — about normal. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
PNC Financial Services (PNC) is a large-cap company in the Diversified Banks industry, part of the Financials sector of the S&P 500, with a market value around $93.18B.
In its latest reported year it generated about $23.10B in revenue.
Our model rates PNC Strong (80/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
4Y CAGR
4.7%
Revenue moved from $19.21B in 2021 to $23.10B in 2025, a 4.7% compound annual growth rate. The most recent year grew a strong 72.3% year over year. Consistent top-line growth is one sign of healthy demand.
Gross Margin
—
Operating Margin
34.5%
Net Margin
28.8%
ROE
12.0%
PNC Financial Services keeps about 28.8% of each sales dollar as net profit. Return on equity is 12.0%. Margins this wide usually signal pricing power or a cost advantage.
Total Debt
$66.67B
Net Debt
$66.67B
Net Debt / EBITDA
—
Debt / Equity
0.73x
Leverage: debt-to-equity is 0.7x. That is a moderate, manageable debt load for most businesses.
Operating CF
$4.38B
Free Cash Flow
$4.38B
FCF Margin
19.0%
In the latest year PNC Financial Services produced about $4.38B of operating cash flow and $4.38B of free cash flow after capital spending. That is a free-cash-flow yield of about 6.5% on today's price. Strong cash generation funds dividends, buybacks, and reinvestment.
P/E
12.94x
P/S
2.43x
P/B
1.34x
EV / EBITDA
—
PNC trades at 12.9x trailing earnings (about 10.8x on estimated forward earnings), 2.4x sales, and 1.3x book value. That is an undemanding multiple — potentially cheap if the business is stable.
Where this stock sits versus what most companies trade at.
Typical ranges are general references (e.g., many stocks trade at ~18–26x earnings), not hard rules. Context only — not investment advice.
How PNC stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (76 S&P 500 companies), PNC ranks #5 of 76 by our overall rating. It trades at roughly in line versus the sector on earnings (12.9x P/E vs. 15.2x median) with a lower return on equity (12.0% vs. 15.3%) and faster revenue growth (72.3% vs. 9.1%).
P/E vs sector
12.9x
median 15.2x
ROE vs sector
12.0%
median 15.3%
Growth vs sector
72.3%
median 9.1%
Sector rank
#5
of 76 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 76 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$855.39 – $1,390.01
vs. $234.71 today · expected CAGR 30% – 43%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $33.49B | $48.57B | $70.42B | $102.11B | $148.06B |
| Net income | $9.71B | $14.08B | $20.42B | $29.61B | $42.94B |
| EPS | $24.19 | $35.07 | $50.86 | $73.74 | $106.92 |
| Share price (low) | $193.51 | $280.58 | $406.85 | $589.93 | $855.39 |
| Share price (high) | $314.45 | $455.95 | $661.12 | $958.63 | $1,390.01 |
| CAGR (low–high) | -18% / 34% | 9% / 39% | 20% / 41% | 26% / 42% | 30% / 43% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for PNC:
- Revenue is growing 72.3% a year, a sign of real demand.
- High net margins (28.8%) point to pricing power or efficiency.
- Healthy free-cash-flow yield (~6.5%) funds buybacks and dividends.
- Pays a 2.9% dividend on top of any price gains.
- Our model's overall read is Strong (80/100).
The case against PNC:
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the fundamentals screen favourably: PNC Financial Services is a large-cap financials business still growing nicely, with solid profitability, and a heavier debt load to watch. It trades at 12.9x earnings, which our model scores Strong (80/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.