The PNC Financial Services Group, Inc. (PNC) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Capital One Financial Corp.

Bank of America Corp.

JPMorgan Chase & Co.

Credicorp Ltd.

Citigroup, Inc.

Citizens Financial Group, Inc. (Rhode Island)

U.S. Bancorp

Huntington Bancshares, Inc.

Wells Fargo & Co.

Regions Financial Corp.

The PNC Financial Services Group, Inc.

Why is The PNC Financial Services Group, Inc. ?

Positive results in Jun 25

OPERATING PROFIT MARGIN(Q) Highest at 32.28 %
GROSS NPA (%)(Q) Lowest at 0.65%
NII(Q) Highest at USD 3,555 MM

With ROA of 0.70%, it has a attractive valuation with a 1.64 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 3.45%, its profits have risen by 15.4% ; the PEG ratio of the company is 1

Underperformed the market in the last 1 year

The stock has generated a return of 3.45% in the last 1 year, much lower than market (S&P 500) returns of 14.11%

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to The PNC Financial Services Group, Inc. should be less than 10%
Overall Portfolio exposure to Major Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is The PNC Financial Services Group, Inc. for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

The PNC Financial Services Group, Inc.

29.71%

1.52

25.36%

S&P 500

16.26%

0.70

20.15%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

17.48%

EBIT Growth (5y)

12.67%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

39.74%

Pledged Shares

Institutional Holding

85.63%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.76

EV to EBIT

14.44

EV to EBITDA

13.80

EV to Capital Employed

1.65

EV to Sales

4.63

PEG Ratio

0.81

Dividend Yield

2.50%

ROCE (Latest)

11.39%

ROE (Latest)

11.38%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Mildly Bullish

Mildly Bearish

OBV

Mildly Bullish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

13What is working for the Company

NII(Q)

Highest at USD 4,107 MM

ROCE(HY)

Highest at 1.29%

GROSS NPA (%)

DIVIDEND PER SHARE(HY)

Highest at USD 0

CREDIT DEPOSIT RATIO(HY)

Highest at 81.81%

NET SALES(Q)

Highest at USD 6,694 MM

PRE-TAX PROFIT(Q)

Highest at USD 2,629 MM

NET PROFIT(Q)

Highest at USD 2,062.17 MM

-5What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 7,132 MM

ROCE(HY)

Lowest at 1.29%

DIVIDEND PAYOUT RATIO(Y)

Lowest at 35.3%

Here's what is working for The PNC Financial Services Group, Inc.

NII

Highest at USD 4,107 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Non Performing Loans (%)

Lowest at 0.55%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

Net Sales

Highest at USD 6,694 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Pre-Tax Profit

Highest at USD 2,629 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 2,062.17 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Credit Deposit Ratio

Highest at 81.81%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Here's what is not working for The PNC Financial Services Group, Inc.

Operating Cash Flow

Lowest at USD 7,132 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Dividend Payout Ratio

Lowest at 35.3%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)

Non Operating Income

Highest at USD 0.17 MM

in the last five periods

MOJO Watch

Increased income from non business activities may not be sustainable

Non Operating income

Capital Adequacy Ratio

Lowest at 11.1%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is deteriorating.

CAR (%)