PNC
PNC FINANCIAL SERVICES GROUP, INCData updated: 2026-04-21 · Current price: $212.84
Composite Score: 37
PASS
Score: 37 / 100
Insufficient margin of safety — pass on this opportunity
Profitability
33
Growth
28
Valuation
33
Moat
17
Stability
57
Business Quality
ROE · Gross Margin · Revenue Growth
ROE
11.5%
Quality threshold: > 15%
Gross Margin
N/A
Quality threshold: > 40%
Rev. Growth (5yr)
4.7%
Quality threshold: > 5%
5-Year ROE: 11.5% → 10.9% → 11.0% → 13.4% → 10.3%|5-Year Gross Margin: 0.0% → 0.0% → 0.0% → 0.0% → 0.0%
Financial Strength
Debt Ratio · Free Cash Flow · Current Ratio
Debt / Equity
8.47
Quality threshold: < 0.5
FCF (5yr avg)
7.7B $
Quality threshold: > 0
Current Ratio
1.12x
Quality threshold: > 1.5
FCF Trend (B USD)
$4.4B2022
$7.9B2023
$10.1B2024
$9.1B2025
$7.2B2026
Valuation
Intrinsic Value · Margin of Safety
Owner Earnings
$7.0B
Net Income + D&A - CapEx
Current Price
$212.84
Source: Alpha Vantage
💡 Valuation Note: Intrinsic value based on DCF model, adjustable above. Visit the DCF Calculator for full three-stage valuation.
Complete Your Analysis
"Price is what you pay. Value is what you get."
— Warren Buffett