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Earnings transcript
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PNC
The PNC Financial Services Group, Inc.
$242.87
-1.8
(-0.74%)
| Exchange: | NYSE |
| Market Cap: | 96.903B |
| Shares Outstanding: | 93.608M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | William S. Demchak | |||||
| Full Time Employees: | 54596 | |||||
| Address: |
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| Website: | https://www.pnc.com |
PNC Financial Services Group, Inc. stands as a diversified financial institution operating across the United States. Founded in 1852 and headquartered in Pittsburgh, Pennsylvania, the company maintains an extensive physical footprint, boasting 2,591 branches and 9,502 ATMs. Its Retail Banking division delivers a full spectrum of financial solutions to individual consumers and small businesses. This includes a variety of deposit accounts such as checking, savings, money market, and certificates of deposit. Lending products span residential mortgages, home equity loans and lines of credit, auto loans, credit cards, education financing, and personal and small business loans and credit lines. Additionally, the segment provides brokerage, insurance, investment, and cash management services, all accessible via its branch network, ATMs, call centers, and digital banking channels. The Corporate & Institutional Banking segment caters to the needs of mid-sized and large corporations, government entities, and not-for-profit organizations. It offers secured and unsecured commercial loans, letters of credit, and equipment leases. Services extend to sophisticated cash and investment management, including receivables and disbursement handling, fund transfers, international payment processing, and access to online/mobile information reporting. Furthermore, this segment provides expert advice on foreign exchange, derivatives, fixed income, securities underwriting, loan syndications, and mergers and acquisitions, alongside offering equity capital markets advisory, commercial loan servicing, and technology solutions. PNC’s Asset Management Group specializes in wealth management for a diverse clientele. For high net worth and ultra high net worth individuals and their families, it delivers tailored investment and retirement planning, customized investment management, credit and cash management strategies, and trust administration. This also includes specialized multi-generational family planning services for its wealthiest clients. Institutional clients benefit from outsourced chief investment officer capabilities, custody services, private real estate investment opportunities, cash and fixed income solutions, and fiduciary retirement advisory services.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 31,901,000 | 33,694,000 | 33,974,000 |
| Gross Profit | 20,748,000 | 20,012,000 | 22,320,000 |
| EBITDA | 6,953,000 | 7,501,000 | 8,867,000 |
| Operating Income | 6,736,000 | 7,242,000 | 8,486,000 |
| Net Income | 5,578,000 | 5,889,000 | 6,936,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 561,580,000 | 560,038,000 | 573,572,000 |
| Total Liabilities | 510,439,000 | 505,569,000 | 512,936,000 |
| Total Stockholders Equity | 51,105,000 | 54,425,000 | 60,585,000 |
| Total Debt | 72,737,000 | 61,673,000 | 57,101,000 |
| Cash and Cash Equivalents | 50,725,000 | 46,251,000 | 6,777,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 10,111,000 | 7,880,000 | 0 |
| Capital Expenditure | 0 | 0 | 0 |
| Free Cash Flow | 10,111,000 | 7,880,000 | 0 |
| Net Income | 5,647,000 | 5,953,000 | 0 |
| Net Change in Cash | 16,362,000 | -4,474,000 | -6,538,000 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2029 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 19,673,574.329 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 20,140,297.896 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 19,962,523.281 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 5,918,372.049 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 6,058,775.804 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 6,005,296.132 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 7,522,965.099 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 7,756,004.279 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 7,667,240.019 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 5,803,876.873 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 5,941,564.416 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 5,889,119.347 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 19.460 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 19.690 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 19.090 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 1 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 5 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance Metrics: PNC demonstrates robust financial health with consistent revenue and net income figures as reflected in the Income Statements. Key metrics such as return on equity (roeTTM) and return on invested capital (roicTTM) indicate efficient use of capital and strong profitability relative to industry benchmarks.
- Strong Liquidity Position: The Balance Sheet data highlights a healthy level of cash and cash equivalents alongside a favorable current ratio (currentRatioTTM) and quick ratio (quickRatioTTM), suggesting PNC is well-positioned to meet short-term obligations.
- Dividend Yield and Shareholder Returns: With a competitive dividend yield (dividendYieldTTM) and a history of consistent dividend payments (lastDiv), PNC remains attractive to income-focused investors, supported by stable cash flows as seen in the Cash Flow Statements.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates PNC intrinsic value between $235.70 – $289.87 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
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Common questions about PNC valuation
Is The PNC Financial Services Group, Inc. (PNC) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for The PNC Financial Services Group, Inc. (PNC) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is PNC a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether PNC trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is PNC’s P/E ratio?
You can see PNC’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for PNC?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is PNC a good long-term investment?
Whether PNC fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
PNC
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Daily snapshot
-0.74
Trading Metrics:
| Open: | 241.86 | Previous Close: | 244.67 | |
| Day Low: | 240.24 | Day High: | 243.1 | |
| Year Low: | 176.88 | Year High: | 258.96 | |
| Price Avg 50: | 248.7 | Price Avg 200: | 222.65 | |
| Volume: | 558514 | Average Volume: | 1.929M |
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Login — it's freePNC full analysis
Hey everyone, welcome back to the channel! Today, we’re diving deep into a comprehensive analysis of PNC Financial Services Group, ticker PNC, one of the major players in the regional banking space. If you’re looking to understand whether this stock deserves a spot in your portfolio, stick around because we’re covering everything from financials to recent performance, valuation, and much more. Let’s get started! So, why are we talking about PNC today? Well, with the financial sector constantly evolving and…
