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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.47
PNCFO's Cash to Debt is ranked higher than
64% of the 1266 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. PNCFO: 0.47 )
PNCFO' s 10-Year Cash to Debt Range
Min: 0.11   Max: 0.48
Current: 0.47

0.11
0.48
Equity to Asset 0.14
PNCFO's Equity to Asset is ranked higher than
90% of the 1651 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. PNCFO: 0.14 )
PNCFO' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.14
Current: 0.14

0.07
0.14
Interest Coverage 6.47
PNCFO's Interest Coverage is ranked higher than
94% of the 1508 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. PNCFO: 6.47 )
PNCFO' s 10-Year Interest Coverage Range
Min: 0.21   Max: 6.47
Current: 6.47

0.21
6.47
F-Score: 4
Z-Score: 0.30
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 34.77
PNCFO's Operating margin (%) is ranked higher than
82% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.46 vs. PNCFO: 34.77 )
PNCFO' s 10-Year Operating margin (%) Range
Min: 12.42   Max: 46.72
Current: 34.77

12.42
46.72
Net-margin (%) 26.36
PNCFO's Net-margin (%) is ranked higher than
83% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.71 vs. PNCFO: 26.36 )
PNCFO' s 10-Year Net-margin (%) Range
Min: 7.74   Max: 30.27
Current: 26.36

7.74
30.27
ROE (%) 9.95
PNCFO's ROE (%) is ranked higher than
82% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. PNCFO: 9.95 )
PNCFO' s 10-Year ROE (%) Range
Min: 3.47   Max: 24.05
Current: 9.95

3.47
24.05
ROA (%) 1.32
PNCFO's ROA (%) is ranked higher than
91% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. PNCFO: 1.32 )
PNCFO' s 10-Year ROA (%) Range
Min: 0.3   Max: 2.55
Current: 1.32

0.3
2.55
ROC (Joel Greenblatt) (%) 99.11
PNCFO's ROC (Joel Greenblatt) (%) is ranked higher than
81% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.28 vs. PNCFO: 99.11 )
PNCFO' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 50.78   Max: 99.11
Current: 99.11

50.78
99.11
Revenue Growth (%) 1.00
PNCFO's Revenue Growth (%) is ranked higher than
75% of the 1452 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. PNCFO: 1.00 )
PNCFO' s 10-Year Revenue Growth (%) Range
Min: -6.3   Max: 23.1
Current: 1

-6.3
23.1
EBITDA Growth (%) 8.60
PNCFO's EBITDA Growth (%) is ranked higher than
76% of the 1307 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. PNCFO: 8.60 )
PNCFO' s 10-Year EBITDA Growth (%) Range
Min: -26.4   Max: 41.3
Current: 8.6

-26.4
41.3
EPS Growth (%) 14.10
PNCFO's EPS Growth (%) is ranked higher than
80% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 vs. PNCFO: 14.10 )
PNCFO' s 10-Year EPS Growth (%) Range
Min: -28.8   Max: 49.5
Current: 14.1

-28.8
49.5
» PNCFO's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Insider Trades

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Preferred stocks of PNC Financial Services Group Inc

SymbolPriceYieldDescription
PNCYL969.905.40
PNCFO570.000.30USD 1.80 Cum.Conv.Pfd Shs Series -B-
PNCPRQ0.005.73Deposit Shs Repr 1/4000th Non-Cum Perp Pfd Shs Series -Q-
PNCPRP0.005.53Perpetual Preferred Share class-P
PNCXL1115.006.101/100th Non-Cum Perp Pfd Shs Series -O-

Ratios

vs
industry
vs
history
P/E(ttm) 11.60
PNCFO's P/E(ttm) is ranked higher than
85% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. PNCFO: 11.60 )
PNCFO' s 10-Year P/E(ttm) Range
Min: 6.32   Max: 40.39
Current: 11.6

6.32
40.39
P/B 1.02
PNCFO's P/B is ranked higher than
75% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. PNCFO: 1.02 )
PNCFO' s 10-Year P/B Range
Min: 0.31   Max: 2.45
Current: 1.02

0.31
2.45
P/S 2.92
PNCFO's P/S is ranked higher than
67% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.11 vs. PNCFO: 2.92 )
PNCFO' s 10-Year P/S Range
Min: 0.77   Max: 3.92
Current: 2.92

0.77
3.92
PFCF 6.29
PNCFO's PFCF is ranked higher than
88% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 109.09 vs. PNCFO: 6.29 )
PNCFO' s 10-Year PFCF Range
Min: 0.87   Max: 37.3
Current: 6.29

0.87
37.3
EV-to-EBIT 12.65
PNCFO's EV-to-EBIT is ranked higher than
81% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.74 vs. PNCFO: 12.65 )
PNCFO' s 10-Year EV-to-EBIT Range
Min: 6.6   Max: 59.7
Current: 12.65

6.6
59.7
PEG 1.85
PNCFO's PEG is ranked higher than
83% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. PNCFO: 1.85 )
PNCFO' s 10-Year PEG Range
Min: 0.28   Max: 54.05
Current: 1.85

0.28
54.05
Shiller P/E 15.06
PNCFO's Shiller P/E is ranked higher than
84% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.55 vs. PNCFO: 15.06 )
PNCFO' s 10-Year Shiller P/E Range
Min: 3.74   Max: 18.13
Current: 15.06

3.74
18.13

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.30
PNCFO's Dividend Yield is ranked lower than
53% of the 1413 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.42 vs. PNCFO: 0.30 )
PNCFO' s 10-Year Dividend Yield Range
Min: 0.57   Max: 14.26
Current: 0.3

0.57
14.26
Dividend growth (3y) 62.60
PNCFO's Dividend growth (3y) is ranked higher than
97% of the 979 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. PNCFO: 62.60 )
PNCFO' s 10-Year Dividend growth (3y) Range
Min: -45.3   Max: 62.6
Current: 62.6

-45.3
62.6
Yield on cost (5-Year) 1.06
PNCFO's Yield on cost (5-Year) is ranked higher than
91% of the 1426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.64 vs. PNCFO: 1.06 )
PNCFO' s 10-Year Yield on cost (5-Year) Range
Min: 2.01   Max: 50.35
Current: 1.06

2.01
50.35
Share Buyback Rate -0.80
PNCFO's Share Buyback Rate is ranked higher than
77% of the 1240 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. PNCFO: -0.80 )
PNCFO' s 10-Year Share Buyback Rate Range
Min: 4.5   Max: -15.8
Current: -0.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.37
PNCFO's Price/Tangible Book is ranked higher than
71% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. PNCFO: 1.37 )
PNCFO' s 10-Year Price/Tangible Book Range
Min: 0.91   Max: 7.68
Current: 1.37

0.91
7.68
Price/DCF (Projected) 0.48
PNCFO's Price/DCF (Projected) is ranked higher than
88% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. PNCFO: 0.48 )
PNCFO' s 10-Year Price/DCF (Projected) Range
Min: 0.32   Max: 5.49
Current: 0.48

0.32
5.49
Price/Median PS Value 1.15
PNCFO's Price/Median PS Value is ranked higher than
71% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. PNCFO: 1.15 )
PNCFO' s 10-Year Price/Median PS Value Range
Min: 0.48   Max: 1.67
Current: 1.15

0.48
1.67
Price/Peter Lynch Fair Value 1.13
PNCFO's Price/Peter Lynch Fair Value is ranked higher than
90% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. PNCFO: 1.13 )
PNCFO' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.32   Max: 3.51
Current: 1.13

0.32
3.51
Price/Graham Number 0.81
PNCFO's Price/Graham Number is ranked higher than
83% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. PNCFO: 0.81 )
PNCFO' s 10-Year Price/Graham Number Range
Min: 0.59   Max: 3.23
Current: 0.81

0.59
3.23
Earnings Yield (Greenblatt) 7.90
PNCFO's Earnings Yield (Greenblatt) is ranked higher than
74% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. PNCFO: 7.90 )
PNCFO' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.7   Max: 15.1
Current: 7.9

1.7
15.1
Forward Rate of Return (Yacktman) 22.59
PNCFO's Forward Rate of Return (Yacktman) is ranked higher than
80% of the 1309 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.11 vs. PNCFO: 22.59 )
PNCFO' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -2.8   Max: 37.8
Current: 22.59

-2.8
37.8

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
Traded in other countries:PNC.USA, PNP.Germany
PNC Financial Services Group Inc was incorporated under the laws of the Commonwealth of Pennsylvania in 1983 with the consolidation of Pittsburgh National Corporation and Provident National Corporation. The Company is a diversified financial services company in the United States. It is engaged in the business of retail banking, corporate and institutional banking, asset management, and residential mortgage banking, providing its products and services nationally, as well as products and services in its primary geographic markets located in Pennsylvania, Ohio, New Jersey, Michigan, Illinois, Maryland, Indiana, North Carolina, Florida, Kentucky, Washington, D.C., Delaware, Alabama, Virginia, Georgia, Missouri, Wisconsin and South Carolina. It also provides products and services internationally. It operates in six reportable business segments: Retail Banking; Corporate & Institutional Banking; Asset Management Group; Residential Mortgage Banking; BlackRock; and Non-Strategic Assets Portfolio. The Retail Banking segment provides deposits, lending, brokerage, investment management and cash management services to consumer and small business customers within its primary geographic markets. The Corporate & Institutional Banking segment provides lending, treasury management and capital markets-related products and services to mid-sized corporations, government and not-for-profit entities and to large corporations. Lending products include secured and unsecured loans, letters of credit and equipment leases. The Asset Management Group segment includes personal wealth management for high net worth and ultra-high net worth clients and institutional asset management. Wealth management products and services include investment and retirement planning, customized investment management, private banking, tailored credit solutions and trust management and administration for individuals and their families. Institutional asset management provides investment management, custody and retirement administration services. Institutional clients include corporations, unions, municipalities, non-profits, foundations and endowments, primarily located in its geographic footprint. The Residential Mortgage Banking segment directly originates primarily first lien residential mortgage loans on a nationwide basis with a significant presence within the retail banking footprint, and also originates loans through majority owned affiliates. Mortgage loans represent loans collateralized by one-to-four-family residential real estate. The BlackRock segment is an investment management, risk management and advisory services for institutional and retail clients. BlackRock provides diversified investment management services to institutional clients, intermediary and individual investors through various investment vehicles. Investment management services consist of the management of equity, fixed income, multi-asset class, alternative investment and cash management products. Blac

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