PNC Financial Financials

PNC Stock  USD 214.20  1.73  0.81%   
Based on the analysis of PNC Financial's profitability, liquidity, and operating efficiency, PNC Financial Services is not in a good financial situation at this time. It has a very high probability of going through financial hardship in December. At present, PNC Financial's Short and Long Term Debt Total is projected to increase significantly based on the last few years of reporting. The current year's Other Current Liabilities is expected to grow to about 135.9 B, whereas Common Stock Shares Outstanding is forecasted to decline to about 377.5 M. Key indicators impacting PNC Financial's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.180.2688
Way Down
Pretty Stable
Return On Assets0.00930.0099
Significantly Down
Pretty Stable
Return On Equity0.130.1091
Fairly Up
Pretty Stable
Debt Equity Ratio2.051.4233
Way Up
Very volatile
Operating Income6.9 B10.6 B
Way Down
Pretty Stable
Current Ratio0.370.39
Notably Down
Pretty Stable
The essential information of the day-to-day investment outlook for PNC Financial includes many different criteria found on its balance sheet. An individual investor should monitor PNC Financial's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in PNC Financial.

Net Income

5.86 Billion

  
Understanding current and past PNC Financial Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of PNC Financial's financial statements are interrelated, with each one affecting the others. For example, an increase in PNC Financial's assets may result in an increase in income on the income statement.
Please note, the presentation of PNC Financial's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, PNC Financial's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of PNC Financial's management manipulating its earnings.

PNC Financial Stock Summary

PNC Financial competes with Truist Financial, KeyCorp, Western Alliance, Zions Bancorporation, and US Bancorp. The PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States. The company was founded in 1852 and is headquartered in Pittsburgh, Pennsylvania. PNC Bank operates under BanksRegional classification in the United States and is traded on New York Stock Exchange. It employs 59616 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS6934751057
CUSIP693475105
LocationPennsylvania; U.S.A
Business AddressThe Tower at
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.pnc.com
Phone888 762 2265
CurrencyUSD - US Dollar

PNC Financial Key Financial Ratios

PNC Financial Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets410.3B466.7B558.4B557.3B561.6B589.7B
Other Current Liab(318M)172.4B347.7B330.7B75.0B135.9B
Net Debt31.8B(55.0B)(51.5B)24.4B22.0B14.5B
Retained Earnings42.2B46.8B50.2B53.6B56.3B59.1B
Cash28.5B92.2B82.3B34.4B6.9B6.6B
Other Assets194.1B175.4B182.8B260.6B498.3B523.2B
Total Liab361.0B37.2B30.8B511.5B510.4B536.0B
Total Current Assets104.8B186.0B219.8B146.4B48.7B43.7B
Short Term Debt318M9.6B9.0B6.1B26.3B27.6B
Common Stock2.7B2.7B2.7B2.7B2.7B2.1B
Other Liab2.9B584M662M3.2B2.9B4.6B
Accounts Payable11.8B9.5B457.3B15.8B18.1B17.2B
Long Term Debt60.3B37.2B30.8B26.6B72.7B76.4B
Inventory(31.8B)(94.7B)(85.2B)(44.4B)(57.2B)(54.3B)
Treasury Stock(12.8B)(14.2B)(15.1B)(18.7B)(16.8B)(16.0B)
Intangible Assets1.6B1.2B1.8B3.4B3.7B2.1B
Net Receivables7.2B6.4B6.0B6.4B6.5B7.0B
Net Tangible Assets40.1B44.8B44.8B34.8B40.0B37.9B
Long Term Debt Total43.9B33.7B30.8B26.6B30.6B33.3B
Capital Surpluse16.4B15.9B17.5B18.4B21.1B17.9B

PNC Financial Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense3.8B1.4B487M2.4B10.4B10.9B
Operating Income6.4B7.9B6.9B9.5B10.6B6.9B
Ebit6.4B3.4B7.0B7.5B6.7B4.7B
Ebitda7.7B4.9B8.8B8.1B7.8B5.4B
Net Income5.4B3.0B5.7B6.0B5.6B5.9B
Income Tax Expense1.1B426M1.3B1.4B1.1B666.7M
Total Revenue17.8B16.9B19.1B21.1B20.7B10.7B
Gross Profit15.8B14.9B16.8B18.7B18.4B9.8B
Income Before Tax6.5B3.4B7.0B7.5B6.7B3.4B
Cost Of Revenue2.0B2.0B2.4B2.4B2.4B2.0B
Minority Interest49M31M(51M)(72M)(70M)(66.5M)
Tax Provision1.1B426M1.3B1.4B1.3B1.1B
Net Interest Income10.0B9.9B10.6B13.0B14.2B11.4B
Interest Income13.8B11.3B11.1B15.4B22.9B14.3B

PNC Financial Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash(547M)2.0B987M(961M)(122M)(115.9M)
Free Cash Flow(14.6B)(58.8B)47.0B9.1B10.1B10.6B
Depreciation1.3B1.5B1.8B651M217M206.2M
Other Non Cash Items(341M)684M(194M)1.3B2.2B2.3B
Dividends Paid2.1B2.2B2.3B2.7B2.9B3.0B
Net Income5.4B7.6B5.7B6.1B5.6B5.9B
End Period Cash Flow5.1B7.0B8.0B7.0B6.9B4.6B
Investments(24.4B)(64.1B)11.3B(10.4B)(4.5B)(4.7B)
Net Borrowings8.6B(12.0B)(2M)481M553.2M580.8M
Change To Netincome982M(7.4B)369M1.8B1.6B1.7B

PNC Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining PNC Financial's current stock value. Our valuation model uses many indicators to compare PNC Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across PNC Financial competition to find correlations between indicators driving PNC Financial's intrinsic value. More Info.
PNC Financial Services is regarded fifth in return on equity category among its peers. It is regarded fourth in return on asset category among its peers reporting about  0.09  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for PNC Financial Services is roughly  10.65 . At present, PNC Financial's Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the PNC Financial's earnings, one of the primary drivers of an investment's value.

PNC Financial Services Systematic Risk

PNC Financial's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. PNC Financial volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was four with a total number of output elements of fifty-seven. The Beta measures systematic risk based on how returns on PNC Financial Services correlated with the market. If Beta is less than 0 PNC Financial generally moves in the opposite direction as compared to the market. If PNC Financial Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one PNC Financial Services is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of PNC Financial is generally in the same direction as the market. If Beta > 1 PNC Financial moves generally in the same direction as, but more than the movement of the benchmark.

PNC Financial Thematic Clasifications

PNC Financial Services is part of several thematic ideas from Momentum to Macroaxis Picks. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. Get More Thematic Ideas
Today, most investors in PNC Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various PNC Financial's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of PNC Financial growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(1.37)

At present, PNC Financial's Price Earnings To Growth Ratio is projected to slightly grow based on the last few years of reporting.

PNC Financial November 27, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of PNC Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of PNC Financial Services. We use our internally-developed statistical techniques to arrive at the intrinsic value of PNC Financial Services based on widely used predictive technical indicators. In general, we focus on analyzing PNC Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build PNC Financial's daily price indicators and compare them against related drivers.

Complementary Tools for PNC Stock analysis

When running PNC Financial's price analysis, check to measure PNC Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy PNC Financial is operating at the current time. Most of PNC Financial's value examination focuses on studying past and present price action to predict the probability of PNC Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move PNC Financial's price. Additionally, you may evaluate how the addition of PNC Financial to your portfolios can decrease your overall portfolio volatility.
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