PNC FINANCIAL SERVICES GROUP, INC. (PNC) Factsheet
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PNC FINANCIAL SERVICES GROUP, INC. (PNC) Stock Analysis
Analysis from 10-Q filed 2026-08-05. Data as of Q2 2026.
Overall Grade: F (Concerning)
Grade F (Concerning). ROIC N/A. D/E 1.3x. Source: 10-Q filed 2026-08-05.
| Metric | Value | Context |
|---|---|---|
| ROIC | N/A | Below expectations |
| Debt/Equity | 1.3x | Moderate leverage |
N/A ROIC, N/A FCF margin, 1.3x D/E. From 10-Q filed 2026-08-05.
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.
Profitability: PNC FINANCIAL SERVICES GROUP, INC. earns N/A ROIC
ROIC TTM N/A, sector median -19.5%. Source: 10-Q filed 2026-08-05.
| Metric | PNC | Rating | Context |
|---|---|---|---|
| Return on Invested Capital (ROIC) | N/A | Red flag | Below sector median of -19.5% |
| Return on Equity (ROE) | 12.6% | Adequate | Moderate equity returns |
Cash Flow Analysis for PNC FINANCIAL SERVICES GROUP, INC.
OCF/Net income 1.0x. Positive FCF in NaN/8 trailing quarters. Source: 10-Q filed 2026-08-05.
| Metric | PNC | Rating | Context |
|---|---|---|---|
| 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 1.3x leverage, 0.7x interest coverage
Debt/Equity 1.3x. Total debt $85.7B, cash & investments $28.7B. Interest coverage 0.7x. Source: 10-Q filed 2026-08-05.
| Metric | PNC | Rating | Context |
|---|---|---|---|
| Debt to Equity | 1.3x | Adequate | Moderate leverage |
| Net Cash Position | $-57.0B | Warning | Net debt position |
| Interest Coverage | 0.7x | Warning | Monitor debt obligations |
Valuation: PNC FINANCIAL SERVICES GROUP, INC. trades at 12.2x earnings
P/E 12.2x. EV/Sales 5.8x. Dividend yield 3.1%. Source: 10-Q filed 2026-08-05.
| Metric | PNC | Rating | Context |
|---|---|---|---|
| P/E Ratio | 12.2x | Adequate | Reasonable valuation |
| EV/Sales | 5.8x | Adequate | Growth premium priced in |
| Dividend Yield | 3.1% | Adequate | Meaningful income |
Capital Allocation: PNC FINANCIAL SERVICES GROUP, INC. returns 5.5% shareholder yield
Total shareholder yield 5.5% (div 3.1% + buyback 2.4%). Share count +1.3% YoY. Capital returned $4.9B TTM. Source: 10-Q filed 2026-08-05.
| Metric | PNC | Rating | Context |
|---|---|---|---|
| Total Shareholder Yield | 5.5% | Good | Dividend + buyback yield combined |
| Buyback Yield | 2.4% | Adequate | Active share repurchases |
| Share Count Change (YoY) | 1.3% | Warning | Net dilution from issuance/SBC |
| Total Capital Returned (TTM) | $4.9B | Good | Dividends + buybacks returned to shareholders |
Sector Rankings
| Metric | Value | Percentile | vs Median |
|---|---|---|---|
| Return on Equity (ROE) | 12.6% | Top 50% | 1.2x above |
| P/E Ratio | 12.2x | N/A | - |
Financial Scorecard
| Metric | PNC | Rating | Sector Context |
|---|---|---|---|
| Debt to Equity Ratio | 133.9% | Adequate | Elevated but manageable |
| P/E Ratio (Price-to-Earnings) | 12.2x | Adequate | Attractively valued |
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 -19.5%. Source: 10-Q filed 2026-08-05.
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 N/A, Source: 10-Q filed 2026-08-05.
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 12.2x, which is above the sector median of N/A. EV/Sales 5.8x. Source: 10-Q filed 2026-08-05.
Q: Does PNC FINANCIAL SERVICES GROUP, INC. pay a dividend?
PNC FINANCIAL SERVICES GROUP, INC. (PNC) currently pays a dividend yield of 3.1%. Total shareholder yield (dividend + buybacks) 5.5%. Source: 10-Q filed 2026-08-05.
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. Interest coverage 0.7x. Net debt $57.0 billion. Source: 10-Q filed 2026-08-05.
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 2026-08-05.
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 2.4%. Share count +1.3% YoY. Source: 10-Q filed 2026-08-05.
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 -19.5% (N/Ax). 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 2026-08-05.
Data Source: Data sourced from 10-Q filed 2026-08-05. 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.