Fundamental analysis · SEC EDGAR · TTM through 31/03/2026
PNC · NYSE · Financial
Fundamental quality
68
out of 100
PNC Financial Services Group, Inc. earns a fundamental-quality score of 68 out of 100, profiling it as a company of reasonable quality. Its score rests mainly on its financial strength. Its weakest area is its growth (revenue +6.8%/yr). Whether it's cheap or expensive depends on the current price, which you can compute in the tool.
PNC Financial is one of the largest U.S. regional banks, with a classic commercial-banking model (deposits, loans to businesses and individuals) and a growing national presence. It's a solid, well-run bank.
EPS growth: 0.3% · Revenue growth: 6.8%
Net margin: 30.5% · ROE: 11.4%
Capital strength: 10.6%
For banks and financials, net debt/EBITDA and free cash flow don't apply (debt is their business). We use capital strength: equity over total assets. The higher it is, the bigger the cushion against losses.
Source: SEC EDGAR · TTM through 31/03/2026
The score includes +1 for dividend strength: 7 consecutive years of increases. Keeping that streak demands growing cash generation and balance-sheet discipline.
The score combines growth, profitability and financial strength. Here its financial strength weighs in its favor, while its growth drags it down the most.
Percentile against the other 71 Financial companies in our coverage: how far it beats them on each metric (100 = best in sector).
Computed from the daily dataset scores. A high percentile places the company among the best in its sector on that metric; it is not a buy recommendation.
Why isn't a bank measured like other companies? Read the how to analyze a bank guide.
Key concepts
What do these metrics mean? Fundamental analysis · What is the P/E · What is EPS · What is ROE · Net & gross margin · Free cash flow
| Year | Revenue | Net income | Free cash flow | Net debt |
|---|---|---|---|---|
| 2020 | 16,901 | 7,558 | — | 30,178 |
| 2021 | 19,211 | 5,725 | — | -51,470 |
| 2022 | 21,120 | 6,113 | — | 24,363 |
| 2023 | 21,490 | 5,647 | — | 22,012 |
| 2024 | 21,555 | 5,953 | — | 15,422 |
| 2025 | 23,099 | 6,997 | — | 17,388 |
Between 2020 and 2025, revenue went from $16,901M to $23,099M (+37%) and net income went from $7,558M to $6,997M (-7%). Meanwhile, its margins have narrowed (from 45% to 30%).
Annual figures in millions of U.S. dollars ($M) per SEC filings. Net debt is total debt minus cash.
Latest results
Figures for the quarter ended March 31, 2026, versus the quarter ended March 31, 2025 (SEC filings):
Automatic comparison between the two most recent periods filed with the SEC. One quarter doesn't make a trend: read it alongside the historical evolution above.
$6.6
per share, yearly
37.7% of earnings
Payout
at least 7 straight years raising it
Growth
That is what we can verify in the SEC filings, whose structured data only starts in 2008 and which many companies begin tagging later. The real streak may be considerably longer.
The dividend yield depends on today's price. Compute it in the analyzer → · See all dividend-paying stocks →
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Is PNC Financial Services Group, Inc. cheap or expensive?
That depends on the current price. Look it up, enter it in the tool and get the full valuation verdict (P/E against its sector).
Compute the valuation →Is PNC Financial Services Group, Inc. a good company to invest in?
In terms of business quality, PNC Financial Services Group, Inc. scores 68 out of 100 in our analysis, placing it as a company of reasonable quality. That said, this isn't a recommendation: whether it's a good investment also depends on its current price and your goals.
Is PNC Financial Services Group, Inc. a profitable company?
Very. PNC Financial Services Group, Inc. shows a net margin of 30.5% and an ROE of 11.4%, typical of a highly profitable business.
Is PNC Financial Services Group, Inc. growing?
Its revenue has grown 6.8% annualized in recent years and its earnings per share 0.3%, and without interruption since 2020.
The thresholds are general and the system doesn't judge qualitative factors. See the full methodology and use this analysis as a first filter, never as a final decision.
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Who's behind the methodology and model · how the score is computed
Data: see PNC Financial Services Group, Inc.'s filings on EDGAR
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