Stocks · Financial Services · Banks - Regional
The PNC Financial Services Group, Inc. PNC
$221.03 +0.13% Close, Oct 2, 2026 · NYSE · Market cap $88.19B
Next earnings report: Oct 15, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Earnings beat analyst estimates in each of the last 14 quarters (average surprise over the last four: +9.2%).
- Net debt is 5.8× EBITDA, a high level of leverage.
- Diluted EPS over the last four quarters was $18.17, up 24.3% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth49Neutral
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 41%
- EPS growth (TTM, YoY)Top 44%
- FCF growth (TTM, YoY)Top 45%
- Revenue growth, 3-year CAGRBottom 43%
- Revenue growth accelerationTop 41%
Quality44Weak
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 31%
- Gross marginTop 43%
- Operating marginTop 37%
- Cash conversion (OCF / net income)Bottom 37%
- Accruals (lower is better)Bottom 33%
- Net debt / EBITDA (lower is better)Bottom 21%
- Interest coverBottom 46%
Value56Neutral
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 34%
- Free-cash-flow yieldTop 46%
- EBITDA / enterprise valueTop 49%
- Sales / enterprise valueBottom 34%
- P/E vs own 5-year history (lower is better)Top 44%
Momentum41Weak
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 32%
- 6-month returnBottom 47%
- 1-year return vs S&P 500Top 42%
- Distance from 52-week highBottom 35%
- Trend checklist (0–4)Bottom 27%
Revisions92Exceptional
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 30%
- Consecutive EPS beatsTop 2%
- Share of analysts rating BuyTop 47%
- Upside to consensus price targetTop 25%
Stability35Weak
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 29%
- Maximum drawdown, 3 yearsBottom 46%
- Beta vs S&P 500 (lower is better)Bottom 26%
- Net debt / EBITDA (lower is better)Bottom 21%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 3.3% | 3.8% | ↑ |
| EPS growth (YoY) | 21.5% | 24.3% | ↑ |
| Gross margin | 62.7% | 67.9% | ↑ |
| Operating margin | 22.6% | 26.7% | ↑ |
| FCF margin | 17.9% | 21.3% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 3.8% | 3.3% | ↑ | Bottom 41% |
| EPS growth (TTM, YoY) | 24.3% | 21.5% | ↑ | Top 44% |
| Gross margin | 67.9% | 62.7% | ↑ | Top 43% |
| Operating margin | 26.7% | 22.6% | ↑ | Top 37% |
| Net margin | 21.7% | 18.3% | ↑ | — |
| Free-cash-flow margin | 21.3% | 17.9% | ↑ | — |
| Return on invested capital | 4.6% | — | Top 31% | |
| Revenue growth, 3-year CAGR | 13.0% | — | Bottom 43% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.98×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.0%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -103.8 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 5.83×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.9×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.11%
- Net buyback yield (TTM)
- 2.37%
- Shareholder yield
- 5.48%
- Share count change, 1 year
- +1.8%
- Share count change, 3-year CAGR
- +0.2%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 5, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 14
- Beats in the last 8 reports
- 8 of 8
- Average EPS surprise, last 4
- +9.2%
- Average 2-day reaction, last 8
- +0.3%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $278.27
- Target vs current price
- +25.9%
- Analysts with a rating
- 46
- Share rating Buy or Strong Buy
- 50%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 15, 2026 | +8.7% | +0.9% | -0.6% | +0.9% | — |
| Apr 15, 2026 | +5.1% | +0.4% | +3.1% | -2.7% | +13.9% |
| Jan 16, 2026 | +15.4% | +3.8% | +2.0% | +6.6% | +2.9% |
| Oct 15, 2025 | +7.4% | -3.9% | -4.1% | -2.6% | +14.7% |
| Jul 16, 2025 | +8.5% | +0.9% | +2.4% | -0.5% | -1.0% |
| Apr 15, 2025 | +3.8% | +0.0% | -0.6% | +14.3% | +26.8% |
| Jan 16, 2025 | +15.6% | -1.9% | -1.4% | -2.5% | -24.2% |
| Oct 15, 2024 | +13.6% | +2.0% | -1.5% | +11.2% | +0.3% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 15, 2026 | $4.85 | $4.46 | +8.7% | $6.88B |
| Apr 15, 2026 | $4.13 | $3.93 | +5.1% | $6.17B |
| Jan 16, 2026 | $4.88 | $4.23 | +15.4% | $6.07B |
| Oct 15, 2025 | $4.35 | $4.05 | +7.4% | $5.92B |
| Jul 16, 2025 | $3.85 | $3.55 | +8.5% | $5.66B |
| Apr 15, 2025 | $3.51 | $3.38 | +3.8% | $5.45B |
| Jan 16, 2025 | $3.77 | $3.26 | +15.6% | $5.56B |
| Oct 15, 2024 | $3.75 | $3.30 | +13.6% | $5.43B |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 12.2× | 12.7× | 48th | Top 34% |
| P/E (forward) | 11.6× | — | — | — |
| EV / EBITDA | 14.9× | — | — | Top 49% |
| EV / Sales | 4.13× | — | — | Bottom 34% |
| Free-cash-flow yield | 8.49% | — | — | Top 46% |
| Earnings yield | 8.22% | — | — | Top 34% |
P/E over the past five years
Range 8.0× – 16.0× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +11.4%
- Earnings per share growth (TTM)
- +24.3%
- Change in P/E multiple
- +10.5%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -3.0%
- 200-day average slope (20 days)
- +1.7%
- Distance from 50-day average
- -8.7%
- Distance from 200-day average
- -3.1%
- RSI (14)
- 27.7
- Relative volume
- 1.06×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 16.7%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.91
- Correlation with S&P 500
- 0.55
- Current drawdown from 1-year high
- -14.0%
- Maximum drawdown, 3 years
- -30.3%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 13, 2022 | Oct 23, 2023 | -51.5% | 445 days | 570 days (Feb 2, 2026) |
| Feb 6, 2026 | Mar 16, 2026 | -17.2% | 25 days | 70 days (Jun 25, 2026) |
| Aug 14, 2026 | Oct 1, 2026 | -14.1% | 33 days | Not yet recovered |
| Jan 12, 2021 | Jan 29, 2021 | -11.3% | 12 days | 10 days (Feb 12, 2021) |
| Oct 25, 2021 | Dec 20, 2021 | -11.1% | 39 days | 12 days (Jan 6, 2022) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $88.19B
- P/E (TTM)
- 12.2
- EPS, diluted (TTM)
- $18.17
- Revenue (TTM)
- $35.15B
- Dividend yield
- 3.21%
- 52-week range
- $176.88 – $258.96
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $19.70B | $23.54B | $31.90B | $33.69B | $33.97B |
| Gross profit | $19.99B | $20.64B | $20.75B | $20.01B | $22.32B |
| Operating income | $6.99B | $7.47B | $6.74B | $7.24B | $8.49B |
| Net income | $5.67B | $6.04B | $5.58B | $5.89B | $6.94B |
| EPS (diluted) | $12.70 | $13.85 | $12.79 | $13.74 | $16.59 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $8.84B | $8.53B | $8.10B | $8.38B | $8.78B | $8.72B | $8.64B | $9.02B |
| Net income | $1.49B | $1.61B | $1.48B | $1.63B | $1.81B | $2.02B | $1.76B | $2.04B |
| EPS (diluted) | $3.49 | $3.77 | $3.51 | $3.85 | $4.35 | $4.88 | $4.13 | $4.81 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $7.21B | $9.08B | $10.11B | $7.88B | $4.38B |
| Capital expenditure | $0 | $0 | $0 | $0 | $0 |
| Free cash flow | $7.21B | $9.08B | $10.11B | $7.88B | $4.38B |
| Dividends paid | -$2.06B | -$2.39B | -$2.46B | -$2.54B | -$2.63B |
| Net share buybacks | -$1.01B | -$2.94B | -$95.0M | -$1.12B | -$1.27B |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $37.35B
- Total assets
- $616.03B
- Total liabilities
- $551.97B
- Total debt
- $85.72B
- Net debt
- $56.98B
- Shareholders’ equity
- $64.01B
As of Jun 30, 2026 (filed Aug 5, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Jul 20, 2026 | $2.00 | Aug 5, 2026 |
| Apr 14, 2026 | $1.70 | May 5, 2026 |
| Jan 20, 2026 | $1.70 | Feb 5, 2026 |
| Oct 14, 2025 | $1.70 | Nov 5, 2025 |
| Jul 15, 2025 | $1.70 | Aug 5, 2025 |
| Apr 16, 2025 | $1.60 | May 5, 2025 |
| Jan 15, 2025 | $1.60 | Feb 5, 2025 |
| Oct 16, 2024 | $1.60 | Nov 5, 2024 |
Short interest
- Shares sold short
- 7,706,224
- Days to cover
- 5.72
- Change vs previous report
- +10.0%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Nov 16, 1992
- 2-for-1
- Jul 2, 1985
- 2-for-1
- May 21, 1982
- 2-for-1