PNC FINANCIAL SERVICES GROUP, INC. (PNC) Factsheet
PNC FINANCIAL SERVICES GROUP, INC. (PNC) Stock Analysis
Analysis from 10-Q filed 2025-11-03. Data as of Q1 2026.
Overall Grade: F (Concerning)
Grade F (Concerning). ROIC N/A. FCF margin 28.6%. D/E 0.0x. Source: 10-Q filed 2025-11-03.
| Metric | Value | Context |
|---|---|---|
| ROIC | N/A | Below expectations |
| FCF Margin | 28.6% | Strong cash generation |
| Debt/Equity | 0.0x | Conservative leverage |
FCF margin 28.6% — Top 50%.
Explore PNC FINANCIAL SERVICES GROUP, INC.: Earnings History | Filings | ROIC Analysis
Programmatic access: Available via MCP at mcp.metricduck.com. Tools for PNC: get_company_overview, get_filing_index (lens: debt_stress, management_outlook, risk_trajectory), get_filing_changes, get_metric_history, compare_companies, screen_filing_signals.
Profitability: PNC FINANCIAL SERVICES GROUP, INC. earns N/A ROIC
ROIC TTM N/A, sector median 20.8%. Source: 10-Q filed 2025-11-03.
| Metric | PNC | Rating | Context |
|---|---|---|---|
| Return on Invested Capital (ROIC) | N/A | Red flag | Below sector median of 20.8% |
| Return on Equity (ROE) | 11.6% | Adequate | Moderate equity returns |
Cash Flow: PNC FINANCIAL SERVICES GROUP, INC. generates $6.8B FCF at 28.6% margin, positive NaN/8 quarters
FCF TTM $6.8B. FCF margin 28.6%, Top 50%. OCF/Net income 1.0x. Positive FCF in NaN/8 trailing quarters. Source: 10-Q filed 2025-11-03.
| Metric | PNC | Rating | Context |
|---|---|---|---|
| Free Cash Flow Margin | 28.6% | Excellent | Excellent cash conversion |
| Free Cash Flow (TTM) | $6.8B | Good | Positive cash generation |
| OCF/Net Income | 1.0x | Good | Potential accrual concerns |
| FCF Consistency (8Q) | N/A | Warning | Variable cash flow |
Balance Sheet: PNC FINANCIAL SERVICES GROUP, INC. at 0.0x leverage
Debt/Equity 0.0x. Source: 10-Q filed 2025-11-03.
| Metric | PNC | Rating | Context |
|---|---|---|---|
| Debt to Equity | 0.0x | Excellent | Conservative capital structure |
Valuation: PNC FINANCIAL SERVICES GROUP, INC. trades at 11.7x earnings
P/E 11.7x. EV/Sales 1.9x. FCF yield 8.5%. Dividend yield 3.4%. Source: 10-Q filed 2025-11-03.
| Metric | PNC | Rating | Context |
|---|---|---|---|
| P/E Ratio | 11.7x | Adequate | Reasonable valuation |
| EV/Sales | 1.9x | Excellent | Attractive revenue multiple |
| FCF Yield | 8.5% | Excellent | Attractive cash return |
| Dividend Yield | 3.4% | Adequate | Meaningful income |
Capital Allocation: PNC FINANCIAL SERVICES GROUP, INC. returns 5.7% shareholder yield
Total shareholder yield 5.7% (div 3.4% + buyback 2.3%). Capital returned $4.6B TTM. Source: 10-Q filed 2025-11-03.
| Metric | PNC | Rating | Context |
|---|---|---|---|
| Total Shareholder Yield | 5.7% | Good | Dividend + buyback yield combined |
| Buyback Yield | 2.3% | Adequate | Active share repurchases |
| Total Capital Returned (TTM) | $4.6B | Good | Dividends + buybacks returned to shareholders |
Sector Rankings
| Metric | Value | Percentile | vs Median |
|---|---|---|---|
| Free Cash Flow Margin | 28.6% | Top 50% | 1.4x above |
| Return on Equity (ROE) | 11.6% | Top 50% | 1.1x above |
| P/E Ratio | 11.7x | N/A | - |
Financial Scorecard
| Metric | PNC | Rating | Sector Context |
|---|---|---|---|
| Free Cash Flow Margin | 28.6% | Excellent | Top 50% of sector (median: 21.0%) |
| Debt to Equity Ratio | 0.0% | Excellent | Conservative capital structure |
| P/E Ratio (Price-to-Earnings) | 11.7x | Adequate | Attractively valued |
| Free Cash Flow Yield | 8.5% | Excellent | High cash return |
Frequently Asked Questions
Q: What is PNC FINANCIAL SERVICES GROUP, INC.'s Return on Invested Capital (ROIC)?
PNC FINANCIAL SERVICES GROUP, INC. (PNC) has a trailing twelve-month Return on Invested Capital (ROIC) of N/A. Sector median 20.8%. Source: 10-Q filed 2025-11-03.
Q: What is PNC FINANCIAL SERVICES GROUP, INC.'s Free Cash Flow Margin?
PNC FINANCIAL SERVICES GROUP, INC. (PNC) has a free cash flow margin of 28.6%, generating $6.8 billion in free cash flow over the trailing twelve months. Source: 10-Q filed 2025-11-03.
Q: What is PNC FINANCIAL SERVICES GROUP, INC.'s P/E ratio and how does it compare to peers?
PNC FINANCIAL SERVICES GROUP, INC. (PNC) trades at a P/E ratio of 11.7x, which is above the sector median of N/A. EV/Sales 1.9x. FCF yield 8.5%. Source: 10-Q filed 2025-11-03.
Q: Does PNC FINANCIAL SERVICES GROUP, INC. pay a dividend?
PNC FINANCIAL SERVICES GROUP, INC. (PNC) currently pays a dividend yield of 3.4%. Total shareholder yield (dividend + buybacks) 5.7%. Source: 10-Q filed 2025-11-03.
Q: What is PNC FINANCIAL SERVICES GROUP, INC.'s revenue and earnings growth?
PNC FINANCIAL SERVICES GROUP, INC. (PNC) grew revenue by 8.9% year-over-year. EPS +21.7% YoY. Source: 10-Q filed 2025-11-03.
Q: Is PNC FINANCIAL SERVICES GROUP, INC. buying back stock?
PNC FINANCIAL SERVICES GROUP, INC. (PNC) repurchased $1.9 billion of stock over the trailing twelve months. This represents a buyback yield of 2.3%. Source: 10-Q filed 2025-11-03.
Q: How does PNC FINANCIAL SERVICES GROUP, INC. compare to competitors in Financials?
Compared to other companies in Financials, PNC FINANCIAL SERVICES GROUP, INC. (PNC) shows: ROIC N/A, sector median 20.8% (NaNx). FCF margin 28.6%, sector median 21.0% (Top 50%). These rankings are based on MetricDuck's analysis of all Financials companies with available SEC filings.
Q: What warning signs should I watch for with PNC FINANCIAL SERVICES GROUP, INC.?
No quantitative warning flags fired for PNC FINANCIAL SERVICES GROUP, INC. (PNC) on margin trend, FCF trend, ROIC trend, or leverage thresholds. Source: 10-Q filed 2025-11-03.
Data Source: Data sourced from 10-Q filed 2025-11-03. TTM metrics as of Q1 2026.
Methodology: Financial metrics calculated from SEC 10-K and 10-Q filings using standardized formulas. Sector comparisons use peer group based on SIC code.
Scope: This analysis covers SEC filing fundamentals — profitability, cash flow, balance sheet, and valuation metrics. For analyst estimates and price targets, consult sell-side research.
This analysis is for informational purposes only and does not constitute investment advice.