Fundamentals Overview
The PNC Financial Services Group, Inc. is near the high of its 52-week range with attractive valuation, trading relatively flat today.
Valuation attractive
Intrinsic value (DCF)
-49.1% downside vs price
Profitability
Risk (Beta)
0.9 — in line vol
Earnings & growth
BullzEye Analysis
Our composite tilts Hold on technicals (e.g. RSI, ADX, trend), fundamentals, sentiment, sector and index context, and risk.
Composite Signal
Supporting (Buy):
Analyst grade: B · 3M vs S&P 500: +12.8%
Pressures (Sell):
DCF 49.1% downside vs price
Not financial advice. For education and research only; do your own research and consider a financial advisor before investing.
Key Stats
About
Ratings & Grades at a Glance
Overall rating: B. Current institutional positions: Buy: 6, Equal Weight: 3, Hold: 3, Market Perform: 1, Outperform: 8, Overweight: 9.
Valuation & Ratios
Valuation, liquidity, and profitability metrics are consolidated here (including ratios that previously appeared in the Financials story). Trailing (TTM) vs forward-looking (e.g. DCF) is noted on each line where it matters.
DCF vs price: DCF estimate is $129.37; current price is $254.24. That’s a -49.1% gap. When the gap is large (e.g. >20%), that’s divergence; when they’re close, that’s convergence. Differences can reflect growth expectations, sector premiums, or conservative vs. optimistic assumptions. Use DCF as one input alongside technicals and sentiment.
| Metric | Value |
|---|---|
| Valuation | |
| P/E (TTM) | 13.46 |
| DCF value (model) | $129.37 (-49.1% vs price) |
| PEG (TTM) | 0.59 |
| P/B (TTM) | 1.61 |
| P/S (TTM) | 3.32 |
| P/FCF (TTM) | 13.55 |
| Liquidity & enterprise | |
| Profitability | |
| ROE (TTM) | N/A |
| ROA (TTM) | N/A |
| Revenue growth (YoY) | N/A |
| Net margin (TTM) | 24.97% |
| Gross margin (TTM) | 79.59% |
| Operating margin (TTM) | 30.73% |
| Debt to equity (TTM) | N/A |
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Price Target, Ratings & Grades
Analyst price targets, consensus, rating snapshot, and institutional grades for PNC.
Analyst Sentiment at a Glance
Stock Grades (Institutions)
| Institution | Action | Previous Grade | New Grade | Date |
|---|---|---|---|---|
| JP Morgan | maintain | Overweight | Overweight | 2026-07-29 |
| Citigroup | maintain | Buy | Buy | 2026-07-20 |
| Evercore ISI Group | maintain | Outperform | Outperform | 2026-07-17 |
| Argus Research | maintain | Buy | Buy | 2026-07-16 |
| RBC Capital | maintain | Outperform | Outperform | 2026-07-16 |
| Truist Securities | maintain | Hold | Hold | 2026-07-16 |
| Stephens & Co. | maintain | Overweight | Overweight | 2026-07-16 |
| Wells Fargo | maintain | Overweight | Overweight | 2026-07-16 |
| Oppenheimer | maintain | Outperform | Outperform | 2026-07-16 |
| Barclays | maintain | Overweight | Overweight | 2026-07-16 |
| Baird | maintain | Outperform | Outperform | 2026-07-16 |
| UBS | maintain | Buy | Buy | 2026-07-07 |
| Wells Fargo | maintain | Overweight | Overweight | 2026-07-06 |
| Evercore ISI Group | maintain | Outperform | Outperform | 2026-07-06 |
| JP Morgan | maintain | Overweight | Overweight | 2026-07-06 |
| Citigroup | maintain | Buy | Buy | 2026-06-30 |
| Oppenheimer | maintain | Outperform | Outperform | 2026-06-30 |
| Morgan Stanley | maintain | Equal Weight | Equal Weight | 2026-06-29 |
| Truist Securities | maintain | Hold | Hold | 2026-06-26 |
| Citigroup | maintain | Buy | Buy | 2026-05-08 |
| JP Morgan | maintain | Overweight | Overweight | 2026-04-30 |
| B of A Securities | maintain | Buy | Buy | 2026-04-16 |
| Truist Securities | maintain | Hold | Hold | 2026-04-16 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2026-04-16 |
| Barclays | maintain | Overweight | Overweight | 2026-04-16 |
| Morgan Stanley | maintain | Equal Weight | Equal Weight | 2026-04-16 |
| Oppenheimer | maintain | Outperform | Outperform | 2026-04-16 |
| RBC Capital | maintain | Outperform | Outperform | 2026-04-15 |
| JP Morgan | maintain | Overweight | Overweight | 2026-04-07 |
| Morgan Stanley | maintain | Equal Weight | Equal Weight | 2026-03-31 |