What is PNC Financial Services Group FCF Margin %?
PNC Financial Services GroupPNC +0.49%78 FCF Margin % is 31.31% as of Mar. 2026, which is 17% below its 10-year median of 37.71. GuruFocus rates PNC with a GF Score™ of 78/100 and a GF Value™ of $202.76 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,505 Banks companies, PNC Financial Services Group ranks better than 54.22% on this metric.
* 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.
For the Banks - Regional subindustry, PNC Financial Services Group's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, PNC Financial Services Group's FCF Margin % distribution charts can be found below:
* The bar in red indicates where PNC Financial Services Group's FCF Margin % falls into.
* 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 FCF Margin % of 31.31% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on PNC Financial Services Group and its competitors. This is 17% below median its historical median of 37.71. Over the past decade, PNC Financial Services Group's FCF Margin % has ranged from 19.00 to 48.42. According to the industry distribution chart, PNC Financial Services Group ranks #689 out of 1505 companies in the Banks industry, placing it in the top 45.8%.
Is PNC Financial Services Group's FCF Margin % too high?
PNC Financial Services Group's current FCF Margin % of 31.31% is 17% below median its 10-year median of 37.71. Over the past 10 years, this metric has ranged from a low of 19.00 to a high of 48.42. The Banks industry median FCF Margin % is 26.42. PNC Financial Services Group's value of 31.31% is 18.5% above this industry median. Based on the distribution chart, PNC Financial Services Group ranks #689 out of 1505 companies in the Banks industry, which is above the industry midpoint. Overall, PNC Financial Services Group has a GF Score™ of 78/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PNC Financial Services Group's FCF Margin % compare to USB and NU?
According to the Banks industry distribution chart, PNC Financial Services Group ranks #689 out of 1505 companies for FCF Margin %. This puts PNC Financial Services Group in the upper half of its industry. The industry median FCF Margin % is 26.42. PNC Financial Services Group's value of 31.31% is 18.5% above this benchmark. Historically, PNC Financial Services Group's own FCF Margin % has ranged from 19.00 to 48.42 over the past decade. While the company's 10-year median is 37.71 vs. the industry median of 26.42, PNC Financial Services Group has consistently been above 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PNC Financial Services Group's current FCF Margin % of 31.31% is 18.5% above 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on PNC Financial Services Group and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PNC Financial Services Group's current FCF Margin % is 31.31%, which is 17% below median its own 10-year median of 37.71. 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 $202.76, compared to a current price of $239.84 — trading 18.3% above its estimated fair value. The current FCF Margin % is 31.31%, which is 17% below median its 10-year median of 37.71 and 18.5% above the Banks industry median of 26.42. PNC Financial Services Group's overall GF Score™ is 78/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For PNC Financial Services Group (PNC), the current FCF Margin % is 31.31% as of Mar. 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 $239.84 is trading 18.3% above its estimated GF Value™ of $202.76.
GuruFocus considers PNC Financial Services Group to be Modestly Overvalued.
Key valuation signals for PNC:
FCF Margin %: 31.31% (17% below median its 10-year median of 37.71)
GF Value™: $202.76 vs. price of $239.84 (18.3% above fair value)
Industry Position: 18.5% above the Banks median (#689 of 1505)
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.
78GF Score
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