PNC Financial Services Group, I (PNC) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

PNC Financial Services Group, I

NYSE•Financial Services•Banks - Regional

$231.57-0.44(<0.01%)Market open

Market Cap

$93.29B

P/E

12.7x

P/S

3.7x

P/B

1.5x

The PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States. It operates through three segments: Retail Banking, Corporate & Institutional Banking, and Asset Management Group segments. The Retail Banking segment offers checking, savings, and money market accounts, and time deposit; residential mortgages, home equity loans and lines of credit, auto loans, credit cards, education loans, and personal and small business loans and lines of credit; and brokerage, insurance, and investment and cash management services. This segment serves consumer and small business customers through a network of branches, digital channels, ATMs, and through phone-based customer contact centers. The Corporate & Institutional Banking segment provides secured and unsecured loans, letters of credit, and equipment leases; cash and investment management, receivables and disbursement management, funds transfer, international payment, and access to online/mobile information management and reporting services; asset-backed financing, securities underwriting, loan syndications, mergers and acquisitions and equity capital markets advisory, and customer related services; and commercial loan servicing and technology solutions. It serves mid-sized and large corporations, and government and not-for-profit entities. The Asset Management Group segment offers investment and retirement planning, customized investment management, credit and cash management solutions, and trust management and administration services for high net worth and ultra high net worth individuals, and their families; and multi-generational family planning services. It also offers outsourced chief investment officer, custody, cash and fixed income client solutions, and retirement plan fiduciary investment services for institutional clients. The company was founded in 1865 and is headquartered in Pittsburgh, Pennsylvania.

How this company scores

GoodMetricSide Score: 79/100

Strongest: Cash & Earnings Quality (24/25); weakest: Balance Sheet & Red Flags (10/25).

Profitability23/25

Growth22/25

Balance Sheet & Red Flags10/25

Cash & Earnings Quality24/25

Strengths

Rising free cash flowStrong marginsRising earningsCash-backed earnings

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 12.7x5y range 8.5x – 16.0x

Currently near its 20-quarter median.

P/S · 3.7x5y range 2.2x – 4.6x

Currently near its 20-quarter median.

P/B · 1.5x5y range 1.0x – 1.6x

Currently near its 20-quarter median.

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Leverage Risk

Watch

Debt-to-equity has risen 27.7% recently — increasing financial risk even if the current ratio is manageable.

Price & Volume

Market Cap $93.29B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $25.03B
Q. Revenue: $6.88B
TTM EBITDA: $9.39B
TTM Op. Income: $9.39B
Q. Op. Income: $2.59B
TTM Net Income: $7.36B
Q. Net Income: $2.04B
EPS: $2.04B
Shares Out.: $403.00M

$25.03B in TTM revenue grew 13.2% YoY, reaching $6.88B last quarter. TTM EBITDA of $9.39B and TTM operating income of $9.39B show growth is flowing through to the bottom line. TTM net income of $7.36B means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 37.6%
Op. Margin: 37.6%
Net Margin: 29.7%

Op. margin of 37.6% is up 1.9% YoY — cost efficiency is improving. Net margin at 29.7% Over the past year, operating margin is up 5% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 12.7x
P/S Ratio: 3.7x
P/B Ratio: 1.5x

At 12.7x P/E, the stock trades below typical market levels. P/S of 3.7x and P/B of 1.5x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is down 0% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $616.03B
Cash: $5.95B
Long-Term Debt: $85.72B
Book Value: $64.01B
D/E Ratio: 1.3
Debt/EBITDA: 33.1

With $616.03B in assets and $85.72B in long-term debt, D/E is 1.3and book value is $64.01B — moderate leverage. Across the last 8 quarters, debt/equity has risen for 2 consecutive quarters — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $2.15B
TTM Free Cash Flow: $7.49B
FCF Margin: 29.9%
FCF / Net Income: 1.0

TTM FCF of $7.49B on $2.15B in operating cash flow. The FCF / Net Income ratio of 1.0x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 2 consecutive quarters — an improving trend.