PNC FINANCIAL SERVICES GROUP, INC. (PNC) Stock Analysis

Analysis from 10-Q filed 2025-11-03. Data as of Q2 2026.

Overall Grade: F (Concerning)

Grade F (Concerning). ROIC N/A. FCF margin 29.9%. D/E 1.3x. Source: 10-Q filed 2025-11-03.

Metric	Value	Context
ROIC	N/A	Below expectations
FCF Margin	29.9%	Strong cash generation
Debt/Equity	1.3x	Moderate leverage

FCF margin 29.9% — Top 50%.

Explore PNC FINANCIAL SERVICES GROUP, INC.: Earnings History | Filings

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.

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Profitability: PNC FINANCIAL SERVICES GROUP, INC. earns N/A ROIC

ROIC TTM N/A. Source: 10-Q filed 2025-11-03.

Metric	PNC	Rating	Context
Return on Invested Capital (ROIC)	N/A	Red flag	Below cost of capital
Return on Equity (ROE)	12.6%	Adequate	Moderate equity returns

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Cash Flow: PNC FINANCIAL SERVICES GROUP, INC. generates $7.5B FCF at 29.9% margin, positive NaN/8 quarters

FCF TTM $7.5B. FCF margin 29.9%, 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	29.9%	Excellent	Excellent cash conversion
Free Cash Flow (TTM)	$7.5B	Good	Positive cash generation
OCF/Net Income	1.0x	Good	Potential accrual concerns
FCF Consistency (8Q)	N/A	Warning	Variable cash flow

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Balance Sheet: PNC FINANCIAL SERVICES GROUP, INC. at 1.3x leverage

Debt/Equity 1.3x. Total debt $85.7B, cash & investments $28.7B. Source: 10-Q filed 2025-11-03.

Metric	PNC	Rating	Context
Debt to Equity	1.3x	Adequate	Moderate leverage
Net Cash Position	$-57.0B	Warning	Net debt position

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Valuation: PNC FINANCIAL SERVICES GROUP, INC. trades at 13.4x earnings

P/E 13.4x. EV/Sales 4.5x. FCF yield 7.7%. Dividend yield 2.8%. Source: 10-Q filed 2025-11-03.

Metric	PNC	Rating	Context
P/E Ratio	13.4x	Adequate	Reasonable valuation
EV/Sales	4.5x	Good	Growth premium priced in
FCF Yield	7.7%	Good	Attractive cash return
Dividend Yield	2.8%	Adequate	Growth focus over income

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Capital Allocation: PNC FINANCIAL SERVICES GROUP, INC. returns 5.0% shareholder yield

Total shareholder yield 5.0% (div 2.8% + buyback 2.2%). Capital returned $4.9B TTM. Source: 10-Q filed 2025-11-03.

Metric	PNC	Rating	Context
Total Shareholder Yield	5.0%	Good	Dividend + buyback yield combined
Buyback Yield	2.2%	Adequate	Active share repurchases
Total Capital Returned (TTM)	$4.9B	Good	Dividends + buybacks returned to shareholders

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Sector Rankings

Metric	Value	Percentile	vs Median
Free Cash Flow Margin	29.9%	Top 50%	1.3x above
Return on Equity (ROE)	12.6%	Top 50%	1.1x above
P/E Ratio	13.4x	N/A	-

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Financial Scorecard

Metric	PNC	Rating	Sector Context
Free Cash Flow Margin	29.9%	Excellent	Top 50% of sector (median: 23.9%)
Debt to Equity Ratio	133.9%	Adequate	Elevated but manageable
P/E Ratio (Price-to-Earnings)	13.4x	Adequate	Attractively valued
Free Cash Flow Yield	7.7%	Good	Solid cash yield

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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. 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 29.9%, generating $7.5 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 13.4x, which is above the sector median of N/A. EV/Sales 4.5x. FCF yield 7.7%. 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 2.8%. Total shareholder yield (dividend + buybacks) 5.0%. Source: 10-Q filed 2025-11-03.

Q: How much debt does PNC FINANCIAL SERVICES GROUP, INC. have?

PNC FINANCIAL SERVICES GROUP, INC. (PNC) has a debt-to-equity ratio of 1.3x with total debt of $85.7 billion. Net debt $57.0 billion. 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 13.2% year-over-year. EPS +24.4% 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 $2.2 billion of stock over the trailing twelve months. This represents a buyback yield of 2.2%. 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: FCF margin 29.9%, sector median 23.9% (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.

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Data Source: Data sourced from 10-Q filed 2025-11-03. TTM metrics as of Q2 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.