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The PNC Financial Services Group, Inc. (PNC) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

The PNC Financial Services Group, Inc.

PNCMarket cap $87BPrice $217.7

Country🇺🇸United States

SectorFinancials

IndustryBanks

PNC operates one of America's largest regional banks, serving 27 million customers across 27 states. Handles more than $560 billion in assets while processing over 11 billion payments annually for businesses and consumers.

In Bastion Portfolios?

52W Return+23%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+3%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+9%–

Rev CAGR (5y)+6%5

Earnings Forecast

EPS Growth Y+1+17%8

EPS Growth Y+2+9%6

EPS Growth Y+3+8%6

Quality

Margins

EBIT Margin0%6

Net Income Margin31%9

Free Cash Flow Margin31%9

Debt

Net Debt/EBITDAna–

Efficiency

ROE13%6

ROA1%3

Earnings Stability55

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)118

P/E Ratio (Forward 3y)108

P/BV1.58

EV Multiples

EV/EBITDA Fwd08

EV/EBIT Fwd08

Yield

Free Cash Flow Yield0.0%8

Dividend Yield3.7%8

Momentum

Short term

1 month return-10%2

3 month return-11%3

YTD return+7%6

Mid term

Price vs 52wHigh84%6

1 year return+18%7

Long term

3 year return+102%8

5 year return+29%5

Risk Shield

Price Risk

Beta0.94

Volatility22%9

Free Cash Flow

Free Cash Flow Margin31%9

Free Cash Flow Yield0.0%8

Quality

ROCE7%3

Earnings Stability55

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

PNCThe PNC Financial Services Group

Revenue FY25$23.1B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+3%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+9%–

Revenue, next 5Y, CAGR+6%5

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+17%8

EPS growth, FY27E+9%6

EPS growth, FY28E+8%6

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 3%/yr over the last 3 years and is set to grow 9%/yr from here.

Earnings are set to grow in step with sales (EPS about 9%/yr vs revenue 9%/yr).

WATCH

Revenue is set to grow 9%/yr over the next 3 years, in line with the market.5/10

Over five years revenue is set to grow 6%/yr, about average versus companies worldwide.5/10

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE40 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-10%2

3-month return-11%3

YTD return+7%6

MID & LONG-TERM▾SCORE

% of 52-week high84%6

1-year return+18%7

3-year return+102%8

5-year return+29%5

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +102% over three years and +29% over five, ahead of 60% of the market.

It's up 18% over the past year, but 16% below its 52-week high. That is clearly ahead of the market.

WATCH

Returns sit at the market level so far this year (+7%).

WEAKNESSES

The stock is underperforming over the past month (-10%) and over three months (-11%).

BOTTOM LINE

Long-Term Winner, Cooling Off

Multi-year returns are elite even though the latest weeks are quieter. Often a quality compounder taking a breather rather than breaking down. The one thing to watch: the stock is underperforming over the past month and over three months.

04Value

Are you paying a fair price for it?

Stop guessing on PNC. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

PNCThe PNC Financial Services Group

Revenue FY25$23.1B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+3%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+9%–

Revenue, next 5Y, CAGR+6%5

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+17%8

EPS growth, FY27E+9%6

EPS growth, FY28E+8%6

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 3%/yr over the last 3 years and is set to grow 9%/yr from here.

Earnings are set to grow in step with sales (EPS about 9%/yr vs revenue 9%/yr).

WATCH

Revenue is set to grow 9%/yr over the next 3 years, in line with the market.5/10

Over five years revenue is set to grow 6%/yr, about average versus companies worldwide.5/10

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE40 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-10%2

3-month return-11%3

YTD return+7%6

MID & LONG-TERM▾SCORE

% of 52-week high84%6

1-year return+18%7

3-year return+102%8

5-year return+29%5

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +102% over three years and +29% over five, ahead of 60% of the market.

It's up 18% over the past year, but 16% below its 52-week high. That is clearly ahead of the market.

WATCH

Returns sit at the market level so far this year (+7%).

WEAKNESSES

The stock is underperforming over the past month (-10%) and over three months (-11%).

BOTTOM LINE

Long-Term Winner, Cooling Off

04Value

Are you paying a fair price for it?

Stop guessing on PNC. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community