Is PNC FINANCIAL SERVICES GROUP, INC. (PNC) undervalued?
PNC FINANCIAL SERVICES GROUP, INC. trades on a P/E of 13.97 against earnings growth of 6.2% a year over the last 3 years, giving a PEG ratio of 2.25 — above the 2.0 level conventionally read as expensive relative to growth.
Earnings figures are measured from PNC’s filed annual accounts, not estimated. PEG compares price to earnings growth alone — it says nothing about debt, cash generation, or what an acquirer would pay. Read it alongside the figures below rather than on its own.
What it would cost to buy PNC
Enterprise value is not shown for PNC: enterprise value is not meaningful for banks and insurers, whose debt is an operating input rather than financing.
| Measure | Value |
|---|---|
| Diluted earnings per shareto 2025-12-31 | $16.59 |
| P/E ratioto 2025-12-31 | 14.0 |
| Earnings growth (3-year CAGR)to 2025-12-31 | 6.2% |
| PEG ratioto 2025-12-31 | 2.3 |
| Market capitalisationto 2026-07-20 | $92.49B |
| Total debtto 2026-06-30 | $85.72B |
| Net debtto 2026-06-30 | $56.05B |
| Enterprise value | — |
| EBITDA | — |
| Free cash flow | — |
| EV / EBITDA | — |
| EV / Sales | — |
| Free cash flow yield | — |
| Net debt / EBITDA | — |
| Return on capital employed | — |
Earnings growth is measured across PNC FINANCIAL SERVICES GROUP, INC.’s own filed annual accounts. PEG conventionally uses forecast growth from analyst estimates; filings contain only history, so this is trailing growth and will read differently from a PEG quoted elsewhere.
Not shown, and why
- Enterprise value
- enterprise value is not meaningful for banks and insurers, whose debt is an operating input rather than financing.
- EBITDA
- operating income not reported for a full year.
- Free cash flow
- capital expenditure not reported for a full year.
- EV / EBITDA
- enterprise value is not meaningful for banks and insurers, whose debt is an operating input rather than financing.
- EV / Sales
- enterprise value is not meaningful for banks and insurers, whose debt is an operating input rather than financing.
- Free cash flow yield
- capital expenditure not reported for a full year.
- Net debt / EBITDA
- operating income not reported for a full year.
- Return on capital employed
- operating income not reported for a full year.
Against the sector
No sector comparison: none of PNC’s metrics could be computed alongside a peer median.
Market ratios
Price-based ratios from market data. Anything drawn from a filed statement is in the enterprise-value section above, with its source.
| Metric | Value |
|---|---|
| Price | $231.83 |
| PEGY ratio | — |
| Dividend yield | 3.45% |
| Price / book | — |
| Price / sales | — |
| Return on equity | 12.4% |
| Profit margin | — |
| Operating margin | — |
| Debt / equity | 69.36 |
| Current ratio | — |
| Beta | 0.92 |
| 52-week range | $177.08 – $258.96 |
Not reported for PNC: pegy ratio, price / book, price / sales, profit margin, operating margin, current ratio. A dash means the figure was not available from the source, not that it is zero.
Compare and chart
Compare PNC vs Competitors
Use the calculator below to see how PNC stacks up against other stocks in the same industry.
Enter a ticker to pull its filings and build the valuation from the statements.
Enter a ticker to begin
Quick picks:
About PNC’s valuation
- What is the PEG ratio for PNC FINANCIAL SERVICES GROUP, INC. (PNC)?
- PNC FINANCIAL SERVICES GROUP, INC. has a PEG ratio of 2.25, from a P/E of 13.97 and earnings growth of 6.2% a year measured across 3 years of filed accounts. That is above the 2.0 level conventionally read as expensive relative to growth. Note that PEG is conventionally quoted against forecast growth; this uses reported history, so it will differ from a PEG you see elsewhere.
- Is PNC undervalued right now?
- That depends on the measure. On PEG, PNC reads 2.25, above the 2.0 level conventionally read as expensive relative to growth. The PEG ratio compares price to earnings growth alone — it ignores debt, cash generation and asset backing, so it is a starting point rather than a conclusion. The enterprise-value measures above account for debt and cash; they often tell a different story.
- What is the PEGY ratio for PNC?
- The PEGY ratio for PNC FINANCIAL SERVICES GROUP, INC. is —. PEGY adds the dividend yield of 3.45% to the growth rate in the denominator, which gives a fairer reading of companies returning cash as income rather than growth.
- Where do these PNC figures come from?
- Market price and capitalisation come from live market data; earnings, growth and dividend figures come from PNC FINANCIAL SERVICES GROUP, INC.'s published financial statements. Every derived ratio on this page shows the arithmetic that produced it.
This page describes published financial data. It is not investment advice and makes no recommendation to buy or sell PNC.