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PNC Financial Services GroupPNC +0.17%76 Equity-to-Asset is 0.10 as of Jun. 2026, which is 9% below its 10-year median of 0.11. GuruFocus rates PNC with a GF Score™ of 76/100 and a GF Value™ of $217.37 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,518 Banks companies, PNC Financial Services Group ranks better than 54.35% on this metric.
PNC Financial Services Group (NYSE:PNC) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
PNC Financial Services Group Equity-to-Asset Related Terms
PNC Financial Services Group Equity-to-Asset Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
PNC Financial Services Group Equity-to-Asset Chart
For the Banks - Regional subindustry, PNC Financial Services Group's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
PNC Financial Services Group Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, PNC Financial Services Group's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where PNC Financial Services Group's Equity-to-Asset falls into.
PNC Financial Services Group Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
PNC Financial Services Group's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
PNC Financial Services Group (PNC) has a Equity-to-Asset of 0.10 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on PNC Financial Services Group and its competitors. This is near median its historical median of 0.11. Over the past decade, PNC Financial Services Group's Equity-to-Asset has ranged from 0.08 to 0.13. According to the industry distribution chart, PNC Financial Services Group ranks #693 out of 1518 companies in the Banks industry, placing it in the top 45.7%.
Is PNC Financial Services Group's Equity-to-Asset too high?
PNC Financial Services Group's current Equity-to-Asset of 0.10 is near median its 10-year median of 0.11. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.13. The Banks industry median Equity-to-Asset is 0.10. PNC Financial Services Group's value of 0.10 is 0% at this industry median. Based on the distribution chart, PNC Financial Services Group ranks #693 out of 1518 companies in the Banks industry, which is above the industry midpoint. Overall, PNC Financial Services Group has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PNC Financial Services Group's Equity-to-Asset compare to USB and NU?
According to the Banks industry distribution chart, PNC Financial Services Group ranks #693 out of 1518 companies for Equity-to-Asset. This puts PNC Financial Services Group in the upper half of its industry. The industry median Equity-to-Asset is 0.10. PNC Financial Services Group's value of 0.10 is 0% at this benchmark. Historically, PNC Financial Services Group's own Equity-to-Asset has ranged from 0.08 to 0.13 over the past decade. While the company's 10-year median is 0.11 vs. the industry median of 0.10, PNC Financial Services Group has consistently been at the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,518 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PNC Financial Services Group's current Equity-to-Asset of 0.10 is 0% at the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on PNC Financial Services Group and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PNC Financial Services Group's current Equity-to-Asset is 0.10, which is near median its own 10-year median of 0.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PNC Financial Services Group stock overvalued right now?
Based on GuruFocus' analysis, PNC Financial Services Group (PNC) is currently considered Modestly Overvalued. The stock's GF Value™ is $217.37, compared to a current price of $245.60 — trading 13% above its estimated fair value. The current Equity-to-Asset is 0.10, which is near median its 10-year median of 0.11 and 0% at the Banks industry median of 0.10. PNC Financial Services Group's overall GF Score™ is 76/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For PNC Financial Services Group (PNC), the current Equity-to-Asset is 0.10 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is PNC Financial Services Group (PNC) Overvalued in 2026?
Based on GuruFocus' analysis, PNC Financial Services Group stock appears to be overvalued.
The current stock price of $245.60 is trading 13% above its estimated GF Value™ of $217.37.
GuruFocus considers PNC Financial Services Group to be Modestly Overvalued.
Key valuation signals for PNC:
Equity-to-Asset: 0.10 (near median its 10-year median of 0.11)
GF Value™: $217.37 vs. price of $245.60 (13% above fair value)
Industry Position: 0% at the Banks median (#693 of 1518)
No single metric tells the full story. See the PNC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PNC Financial is one of the three super-regional banks in the US, with over $600 billion in total assets at the end of March 2026. Headquartered in Pittsburgh, Pennsylvania, PNC Financial has a coast-to-coast branch network, with a strong presence in the US Midwest and Northeast. It closed its acquisition of FirstBank in January 2026, which added around $26 billion in assets to its balance sheet, and PNC is currently expanding in the Southern and Western regions of the US. The bank provides a diversified set of financial services in retail banking, commercial banking, card and treasury management, asset management, and investment banking. PNC derived around 38% of revenue from fee income and 62% from net interest income in 2025.
76GF Score
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