Stock.PNC Financial Services
| PNCStock | USD155.512.301.46% |
PNC Financial's odds of distress is under 6% at the present time. It has tiny probability of undergoing some form of financial straits in the near future. Chance Of Bankruptcy shows the probability of financial distress over the next two years of operations under current economic and market conditions. All items used in analyzing the odds of distress are taken from the PNC balance sheet, as well as cash flow and income statements available from the company's most recent filings. Check out PNC Financial Piotroski F Score and PNC Financial Altman Z Score analysis.
PNC | Probability Of Bankruptcy Short Term Coverage Ratios Price Earnings Ratio Price To Sales Ratio Dividend Yield Operating Cycle Price Book Value Ratio Price Earnings To Growth Ratio Operating Cash Flow Per Share Dividend Payout Ratio Price To Operating Cash Flows Ratio Free Cash Flow Per Share Price To Free Cash Flows Ratio Pretax Profit Margin Inventory Turnover Ebt Per Ebit Operating Profit Margin Effective Tax Rate Company Equity Multiplier Long Term Debt To Capitalization Cash Per Share Total Debt To Capitalization Interest Coverage Return On Capital Employed Payout Ratio Debt Equity Ratio Ebit Per Revenue Quick Ratio Dividend Paid And Capex Coverage Ratio Net Income Per E B T Cash Ratio Cash Conversion Cycle Operating Cash Flow Sales Ratio Days Of Inventory Outstanding Days Of Sales Outstanding Free Cash Flow Operating Cash Flow Ratio Cash Flow Coverage Ratios Price To Book Ratio Current Ratio Fixed Asset Turnover Capital Expenditure Coverage Ratio Price Cash Flow Ratio Enterprise Value Multiple Debt Ratio Cash Flow To Debt Ratio Price Sales Ratio Return On Assets Receivables Turnover Asset Turnover Net Profit Margin Price Fair Value Return On Equity Change In Cash Stock Based Compensation Free Cash Flow Change In Working Capital Begin Period Cash Flow Other Cashflows From Financing Activities Depreciation Other Non Cash Items Dividends Paid Capital Expenditures Total Cash From Operating Activities Net Income Total Cash From Financing Activities End Period Cash Flow Sale Purchase Of Stock Change To Inventory Total Cashflows From Investing Activities Other Cashflows From Investing Activities Investments Net Borrowings Cash And Cash Equivalents Changes Cash Flows Other Operating Change To Netincome Change To Liabilities Change To Operating Activities Issuance Of Capital Stock Common Stock Shares Outstanding Total Assets Short Long Term Debt Total Other Current Liab Total Current Liabilities Total Stockholder Equity Property Plant And Equipment Net Net Debt Retained Earnings Cash Non Current Assets Total Non Currrent Assets Other Other Assets Cash And Short Term Investments Liabilities And Stockholders Equity Non Current Liabilities Total Other Stockholder Equity Total Liab Total Current Assets Short Term Debt Accumulated Other Comprehensive Income Common Stock Common Stock Total Equity Other Liab Accounts Payable Long Term Debt Good Will Short Term Investments Inventory Preferred Stock Total Equity Treasury Stock Intangible Assets Property Plant Equipment Net Receivables Total Permanent Equity Noncontrolling Interest In Consolidated Entity Retained Earnings Total Equity Net Tangible Assets Long Term Debt Total Capital Surpluse Long Term Investments Non Current Liabilities Other Other Current Assets Short Long Term Debt Earning Assets Net Invested Capital Capital Stock Interest Expense Other Operating Expenses Operating Income Ebit Ebitda Total Operating Expenses Income Tax Expense Depreciation And Amortization Selling General Administrative Total Revenue Gross Profit Income Before Tax Total Other Income Expense Net Selling And Marketing Expenses Cost Of Revenue Extraordinary Items Net Income Applicable To Common Shares Minority Interest Discontinued Operations Net Income From Continuing Ops Preferred Stock And Other Adjustments Tax Provision Net Interest Income Interest Income Reconciled Depreciation Probability Of Bankruptcy |
PNC Probability Of Bankruptcy Analysis
PNC Financial's Probability Of Bankruptcy is a relative measure of the likelihood of financial distress. For stocks, the Probability Of Bankruptcy is the normalized value of Z-Score. For funds and ETFs, it is derived from a multi-factor model developed by Macroaxis. The score is used to predict the probability of a firm or a fund experiencing financial distress within the next 24 months. Unlike Z-Score, Probability Of Bankruptcy is the value between 0 and 100, indicating the firm's actual probability it will be financially distressed in the next 2 fiscal years.
| 2021 | 2022 | 2023 | 2024 (projected) | EBIT | 6.9B | 9.5B | 18.5B | 19.5B | Operating Income | 6.9B | 9.5B | 18.7B | 19.7B |
Probability Of Bankruptcy | = | Normalized | Z-Score |
Current PNC Financial Probability Of Bankruptcy | Less than 6% |
Most of PNC Financial's fundamental indicators, such as Probability Of Bankruptcy, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, PNC Financial Services is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.
Our calculation of PNC Financial probability of bankruptcy is based on Altman Z-Score and Piotroski F-Score, but not limited to these measures. To be applied to a broader range of industries and markets, we use several other techniques to enhance the accuracy of predicting PNC Financial odds of financial distress. These include financial statement analysis, different types of price predictions, earning estimates, analysis consensus, and basic intrinsic valuation. Please use the options below to get a better understanding of different measures that drive the calculation of PNC Financial Services financial health.
Is PNC Financial's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of PNC Financial. If investors know PNC will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about PNC Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.46) | Dividend Share 6.1 | Earnings Share 12.78 | Revenue Per Share 51.741 | Quarterly Revenue Growth (0.04) |
The market value of PNC Financial Services is measured differently than its book value, which is the value of PNC that is recorded on the company's balance sheet. Investors also form their own opinion of PNC Financial's value that differs from its market value or its book value, called intrinsic value, which is PNC Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because PNC Financial's market value can be influenced by many factors that don't directly affect PNC Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between PNC Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if PNC Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, PNC Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
PNC Probability Of Bankruptcy Driver Correlations
Understanding the fundamental principles of building solid financial models for PNC Financial is extremely important. It helps to project a fair market value of PNC Stock properly, considering its historical fundamentals such as Probability Of Bankruptcy. Since PNC Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of PNC Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of PNC Financial's interrelated accounts and indicators.
Click cells to compare fundamentals
The Probability of Bankruptcy SHOULD NOT be confused with the actual chance of a company to file for chapter 7, 11, 12, or 13 bankruptcy protection. Macroaxis simply defines Financial Distress as an operational condition where a company is having difficulty meeting its current financial obligations towards its creditors or delivering on the expectations of its investors. Macroaxis derives these conditions daily from both public financial statements as well as analysis of stock prices reacting to market conditions or economic downturns, including short-term and long-term historical volatility. Other factors taken into account include analysis of liquidity, revenue patterns, R&D expenses, and commitments, as well as public headlines and social sentiment.
| Competition |
Based on the latest financial disclosure, PNC Financial Services has a Probability Of Bankruptcy of 6.0%. This is 87.98% lower than that of the Banks sector and significantly higher than that of the Financials industry. The probability of bankruptcy for all United States stocks is 84.94% higher than that of the company.
PNC Probability Of Bankruptcy Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses PNC Financial's direct or indirect competition against its Probability Of Bankruptcy to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of PNC Financial could also be used in its relative valuation, which is a method of valuing PNC Financial by comparing valuation metrics of similar companies.
PNC Financial is currently under evaluation in probability of bankruptcy category among related companies.
PNC Financial Main Bankruptcy Drivers
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Return On Assets | 0.0131 | 0.006435 | 0.0102 | 0.0108 | 0.009933 | 0.00928 | |
| Asset Turnover | 0.0434 | 0.0362 | 0.0343 | 0.0379 | 0.0383 | 0.0569 | |
| Net Debt | 31.8B | (55.0B) | (51.5B) | 24.4B | 22.0B | 14.5B | |
| Total Current Liabilities | 318M | 182.0B | 356.7B | 336.8B | 101.3B | 63.3B | |
| Non Current Liabilities Total | 60.3B | 37.2B | 30.8B | 511.5B | 72.7B | 43.1B | |
| Total Assets | 410.3B | 466.7B | 558.4B | 557.3B | 561.6B | 589.7B | |
| Total Current Assets | 104.8B | 186.0B | 219.8B | 146.4B | 48.7B | 43.7B | |
| Total Cash From Operating Activities | 7.4B | 4.7B | 7.2B | 9.1B | 10.1B | 10.6B |
PNC Financial ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, PNC Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to PNC Financial's managers, analysts, and investors.
Environment Score | Governance Score | Social Score |
PNC Fundamentals
| Return On Equity | 0.12 | ||||
| Return On Asset | 0.0101 | ||||
| Profit Margin | 0.27 % | ||||
| Operating Margin | 0.21 % | ||||
| Current Valuation | 136.28 B | ||||
| Shares Outstanding | 397.84 M | ||||
| Shares Owned By Insiders | 0.35 % | ||||
| Shares Owned By Institutions | 84.77 % | ||||
| Number Of Shares Shorted | 4.57 M | ||||
| Price To Earning | 8.70 X | ||||
| Price To Book | 1.21 X | ||||
| Price To Sales | 2.98 X | ||||
| Revenue | 21.51 B | ||||
| Gross Profit | 20.64 B | ||||
| EBITDA | 18.75 B | ||||
| Net Income | 5.65 B | ||||
| Cash And Equivalents | 7.03 B | ||||
| Cash Per Share | 17.39 X | ||||
| Total Debt | 72.74 B | ||||
| Debt To Equity | 0.73 % | ||||
| Book Value Per Share | 112.72 X | ||||
| Cash Flow From Operations | 10.11 B | ||||
| Short Ratio | 2.14 X | ||||
| Earnings Per Share | 12.78 X | ||||
| Price To Earnings To Growth | 4.02 X | ||||
| Target Price | 163.36 | ||||
| Number Of Employees | 54.81 K | ||||
| Beta | 1.16 | ||||
| Market Capitalization | 61.87 B | ||||
| Total Asset | 561.58 B | ||||
| Retained Earnings | 56.29 B | ||||
| Z Score | 0.8 | ||||
| Annual Yield | 0.04 % | ||||
| Five Year Return | 2.85 % | ||||
| Net Asset | 561.58 B | ||||
| Last Dividend Paid | 6.1 |
About PNC Financial Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze PNC Financial Services's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of PNC Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of PNC Financial Services based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
The PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States. The company was founded in 1852 and is headquartered in Pittsburgh, Pennsylvania. PNC Bank operates under BanksRegional classification in the United States and is traded on New York Stock Exchange. It employs 59616 people.
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When determining whether PNC Financial Services offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of PNC Financial's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Pnc Financial Services Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Pnc Financial Services Stock:
Check out PNC Financial Piotroski F Score and PNC Financial Altman Z Score analysis.
You can also try the Risk-Return Analysis module to view associations between returns expected from investment and the risk you assume.
Complementary Tools for PNC Stock analysis
When running PNC Financial's price analysis, check to measure PNC Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy PNC Financial is operating at the current time. Most of PNC Financial's value examination focuses on studying past and present price action to predict the probability of PNC Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move PNC Financial's price. Additionally, you may evaluate how the addition of PNC Financial to your portfolios can decrease your overall portfolio volatility.
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| Risk-Return Analysis View associations between returns expected from investment and the risk you assume | |
| Price Exposure Probability Analyze equity upside and downside potential for a given time horizon across multiple markets |
Is PNC Financial's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of PNC Financial. If investors know PNC will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about PNC Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.46) | Dividend Share 6.1 | Earnings Share 12.78 | Revenue Per Share 51.741 | Quarterly Revenue Growth (0.04) |
The market value of PNC Financial Services is measured differently than its book value, which is the value of PNC that is recorded on the company's balance sheet. Investors also form their own opinion of PNC Financial's value that differs from its market value or its book value, called intrinsic value, which is PNC Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because PNC Financial's market value can be influenced by many factors that don't directly affect PNC Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between PNC Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if PNC Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, PNC Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
