PNC (PNC Financial Services Group) Margin of Safety % (DCF Earnings Based): 2.97% (As of Jun. 24, 2026)


PNC PNC Financial Services Group Inc PNC
78 GF Score
Price $239.92
GF Value $202.76
Valuation Modestly Overvalued
! 8 Warning Signs
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What is PNC Financial Services Group Margin of Safety % (DCF Earnings Based)?

PNC Financial Services Group PNC +0.52% 78 Margin of Safety % (DCF Earnings Based) is 2.97% as of Jun. 24, 2026. 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.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-24), PNC Financial Services Group's Predictability Rank is 4.5-Stars. PNC Financial Services Group's intrinsic value calculated from the Discounted Earnings model is $247.26 and current share price is $239.92. Consequently,

PNC Financial Services Group's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 2.97%.

PNC vs USB, NU, TFC: Margin of Safety % (DCF Earnings Based) Comparison

For the Banks - Regional subindustry, PNC Financial Services Group's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, PNC Financial Services Group's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where PNC Financial Services Group's Margin of Safety % (DCF Earnings Based) falls into.


PNC
78GF Score
PNC Financial Services Group Inc PNC
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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PNC Financial Services Group Margin of Safety % (DCF Earnings Based) Calculation

PNC Financial Services Group's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(247.26-239.92)/247.26
=2.97 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of 2.97% mean?
PNC Financial Services Group (PNC) has a Margin of Safety % (DCF Earnings Based) of 2.97% as of Jun. 24, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on PNC Financial Services Group.
Is PNC Financial Services Group's Margin of Safety % (DCF Earnings Based) too high?
PNC Financial Services Group's current Margin of Safety % (DCF Earnings Based) is 2.97%. 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 Margin of Safety % (DCF Earnings Based) compare to USB and NU?
PNC Financial Services Group's Margin of Safety % (DCF Earnings Based) of 2.97% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on PNC Financial Services Group. PNC Financial Services Group's current Margin of Safety % (DCF Earnings Based) is 2.97%. 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 $239.92 — trading 18.3% above its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is 2.97%. 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 Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For PNC Financial Services Group (PNC), the current Margin of Safety % (DCF Earnings Based) is 2.97% as of Jun. 24, 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 $239.92 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:

  • Margin of Safety % (DCF Earnings Based): 2.97%
  • GF Value™: $202.76 vs. price of $239.92 (18.3% above fair value)
  • GF Score™: 78/100 with 8 warning signs

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 Services Group Business Description

Address 300 Fifth Avenue, The Tower at PNC Plaza, Pittsburgh, PA, USA, 15222-2401
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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Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$239.92
Price
$202.76
GF Value