PNC Financial Services Group Inc (PNC)
Fair ValueFondamentale
68
Prezzo
$222.23
Capitalizzazione
$89.23B
Parte 1 · Quanto vale l'azienda
Panoramica
The PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States. It operates through three segments: Retail Banking, Corporate & Institutional Banking, and Asset Management Group segments. The Retail Banking segment offers checking, savings, and money market accounts, and time deposit; residential mortgages, home equity loans and lines of credit, auto loans, credit cards, education loans, and personal and small business loans and lines of credit; and brokerage, insurance, and investment and cash management services. This segment serves consumer and small business customers through a network of branches, digital channels, ATMs, and through phone-based customer contact centers. The Corporate & Institutional Banking segment provides secured and unsecured loans, letters of credit, and equipment leases; cash and investment management, receivables and disbursement management, funds transfer, international payment, and access to online/mobile information management and reporting services; asset-backed financing, securities underwriting, loan syndications, mergers and acquisitions and equity capital markets advisory, and customer related services; and commercial loan servicing and technology solutions. It serves mid-sized and large corporations, and government and not-for-profit entities. The Asset Management Group segment offers investment and retirement planning, customized investment management, credit and cash management solutions, and trust management and administration services for high net worth and ultra high net worth individuals, and their families; and multi-generational family planning services. It also offers outsourced chief investment officer, custody, cash and fixed income client solutions, and retirement plan fiduciary investment services for institutional clients. The company was founded in 1865 and is headquartered in Pittsburgh, Pennsylvania.
Per questa società non c'è ancora una scheda redazionale
Concorrenti diretti
Con chi questa società si contende gli stessi clienti
Generato il 19 settembre 2026 con claude-haiku-4-5 — condiviso con tutti gli utenti
Grande banca regionale di scala paragonabile, con una rete di filiali e un'attività di credito alle imprese che si sovrappongono a quelle di PNC nel Mid-Atlantic e nel Sud-Est, l'area in cui PNC è entrata acquisendo BBVA USA.
Si contende con PNC la stessa clientela al dettaglio e di piccola impresa del Midwest, oltre al credito alle aziende di media dimensione in mercati chiave per PNC come Ohio, Kentucky e Indiana.
Banca regionale costruita sullo stesso impasto di sportelli al dettaglio, credito alle imprese e gestione patrimoniale, in concorrenza diretta con PNC in Pennsylvania, Ohio e nel Nord-Est.
Condivide con PNC il territorio fra Pennsylvania, Ohio e Grandi Laghi per la raccolta al dettaglio e insegue gli stessi rapporti con le imprese di media dimensione e la clientela corporate.
Rivale diretto per i conti correnti dei privati, il credito alle piccole imprese e i servizi alle aziende nei mercati dell'Ohio e dei Grandi Laghi, che fanno parte del territorio storico degli sportelli PNC.
È il concorrente più vicino per dimensioni e modello di business: una grande banca regionale diversificata che si contende con PNC gli stessi correntisti al dettaglio, le imprese di media dimensione e i servizi di tesoreria, su un territorio che in gran parte coincide nel Midwest.
Stato Patrimoniale e Liquidità
Ricavi
$25.03B
Ultimi 12 mesi (al 30/06/2026)
Utile Netto
$7.68B
Ultimi 12 mesi (al 30/06/2026)
Free Cash Flow
-
Patrimonio Netto Totale
$60.59B
Passività Totali
$512.94B
Rapporto di Liquidità
-
Copertura Interessi
0.61
Debito/EBITDA
-
Utile per Azione
Ricavi e Utile Netto
Free Cash Flow
Scomposizione Ricavi
Prospetto storico
Margini nel tempo
Il debito nel tempo
Griglia della crescita
Crescita — Ricavi
Stima del Fair Value
Fair Value
$222.32
Prezzo Attuale
$222.23
Margine di Sicurezza
0.0%
Range Fair Value
$177.39 - $267.25
Intervallo di dispersione tra i metodi di valutazione usati, non una stima statisticamente calibrata.
Metodi di Stima
Metriche di Valutazione
Rapporto P/E
12.15
ROE
11.5%
Rapporto P/B
1.38
P/FCF
-
Margine Lordo
-
ROIC
-
Radar Redditività
Creazione di Valore (Vantaggio Competitivo)
ROIC
-
WACC
11.4%
ROIC − WACC
-
Criteri di Analisi Fondamentale
Superati (15)
- EPS shows upward trend
- EPS CAGR 7.76%
- Price CAGR 7.64%
- P/B Ratio 1.38
- Operating Margin 37.5%
- Low reliance on intangibles
- Price below Graham Number
- ROE 12.3%
- Revenue Growth 5Y 7.4%
- Analyst Consensus 70% Buy
- Earnings Surprise avg 7.4%
- Earnings Quality (OCF/NI) 0.97
- Share Dilution -2.7%
- Net Margin Trend 30.7% vs 28.3%
- Piotroski F-Score 6/9
Non superati (4)
- Debt/Equity ratio
- Interest Coverage
- Return on Tangible Assets
- DCF valuation (Unknown)
Non disponibili (9)
- ROIC NaN%
- Gross Margin NaN%
- P/FCF NaN
- Dividend Payout NaN%
- Positive Free Cash Flow
- CapEx intensity
- Current Ratio
- Debt/EBITDA
- PEG Ratio (need PE > 0 and growth > 0)
Piotroski F-Score
Segnali misti: alcune aree necessitano attenzione
Qualità degli Utili
Moderata: qualche divario tra profitti e cash
Diluizione Azionaria
Riacquisto azioni. Favorevole agli azionisti
Partecipazioni istituzionali
Governance
Team Dirigenziale
| Nome | Ruolo | Età |
|---|---|---|
| Mr. William S. Demchak | Chairman & CEO | 63 |
| Mr. Mark Kenneth Wiedman J.D. | President | 54 |
| Mr. Robert Q. Reilly | Executive VP & CFO | 60 |
| Ms. Deborah Guild | Executive VP & Head of Technology | 56 |
| Mr. Alexander E. C. Overstrom | Executive VP & Head of Retail Banking | 41 |
| Ms. Laura L. Long J.D. | Executive VP, General Counsel & Chief Administrative Officer | 52 |
| Mr. Bryan K. Gill | EVP, Director of Investor Relations | - |
| Ms. Amanda Rosseter Schab | Executive VP, Chief Communications & Brand Officer | 56 |
| Ms. Jenn Garbach | Chief Marketing Officer | - |
| Ms. Vicki C. Henn | Executive VP & Chief Human Resources Officer | 56 |
Rischio Audit
3
Rischio CdA
6
Rischio Compensi
2
Rischio Diritti Azionisti
5
Parte 2 · Il prezzo e il momento d'ingresso
Questa parte non serve a capire se l'azienda vale: serve a scegliere quando comprarla, dopo che i fondamentali ti hanno convinto. Dentro: analisi tecnica, potenziale, drawdown storici, esposizione gamma.
Documenti
- Vedi documento
Relazione annuale (10-K)
Una panoramica annuale del business, dei risultati finanziari e dei rischi dell'azienda.
Depositato il 2026-02-20
- Vedi documento
Relazione trimestrale (10-Q)
Un aggiornamento sull'andamento finanziario degli ultimi tre mesi.
Depositato il 2026-08-05
- Vedi documento
Comunicazione price-sensitive (8-K)
Una comunicazione su un evento importante, come un cambio ai vertici o un grande annuncio.
Depositato il 2026-09-29
via SEC EDGAR
Storico Ricavi
via SEC EDGAR
Ultime Notizie
Ultime notizie per PNC, da Markets Gazette.
- 4/16/2026NEUTRALPNC CEO on US Consumers, Private Credit and Real Estate
PNC Financial Services Group CEO Bill Demchak stated that he has not yet observed a slowdown in US consumer spending. His remarks, made during an appearance on "Bloomberg The Close," also touched upon current concerns surrounding private credit, the condition of the commercial real estate market, and PNC's strategic growth initiatives. While the commentary offers insights into consumer resilience and market conditions, it does not present immediate data points or forward-looking guidance that would definitively sway investor sentiment in a particular direction.
- 4/16/2026POSITIVEPNC Financial Analysts Boost Their Forecasts After Upbeat Q1 Results
PNC Financial Services Group has reported robust first-quarter earnings that surpassed analyst expectations, prompting a wave of upward revisions to price targets from financial analysts. The company's positive outlook, despite acknowledging potential headwinds from broader economic conditions and market shifts, has been met with increased confidence by the market. This performance suggests resilience and effective strategic execution, which could translate into sustained shareholder value and potentially attract new investment.
- 4/15/2026NEUTRALPNC Reports $7 Billion of Exposure to Private-Credit Providers
PNC Financial Services Group Inc. disclosed an exposure of $7 billion to private-credit providers. This announcement aligns with a broader trend among large banks to increase transparency regarding their involvement in the private credit market, a sector currently under investor scrutiny due to potential spillover risks. While the disclosure itself is informational, the market will be watching for any signs of distress or contagion within these exposures. For investors, this highlights the interconnectedness of traditional banking and alternative lending, and the importance of monitoring systemic risk.
- 4/13/2026NEUTRALPNC Financial Gears Up For Q1 Print; Here Are The Recent Forecast Changes From Wall Street's Most Accurate Analysts
PNC Financial Services Group (NYSE: PNC) is scheduled to report its first-quarter earnings on April 15th, with analysts projecting an Earnings Per Share (EPS) of $3.93 and revenue of $6.21 billion. While the upcoming earnings report is a significant event for investors, the provided information focuses on the timing and consensus estimates rather than any new developments or performance indicators. Recent analyst ratings from January 2022, including Outperform, Neutral, and Overweight, indicate a mixed but generally stable outlook from Wall Street, without offering a clear directional bias ahead of the earnings release.
via Markets Gazette