PNC Financial Services Group Inc. (PNC) carries a Roarable Rating of C (Hold) with 62/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
As of 2026-11-02, PNC Financial Services Group Inc. (NYSE: PNC) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 62/100 at a spot price of $227.86 (-1.71% 1D, market cap $92.49B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 15/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, PNC ranks #362 in composite RQD confidence.
Within the Financials sector (Major Banks), PNC carries a Roarable C (62/100 RQD), trailing P/E of 36.8x, gross margin of —, and ROIC of 1.2%. By comparison, USB (U.S. Bancorp) holds a B- grade (70/100 RQD, P/E 12.5x, ROIC 3.0%, cap $94.48B) and BNY (The Bank of New York Mellon Corporation) posts a C+ grade (68/100 RQD, P/E 18.3x, ROIC 2.4%, cap $101.35B). Among the 5-stock peer group, USB leads on earnings multiple (12.5x) while ITUB leads on capital efficiency (9.9% ROIC).
Per PNC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000713676), PNC Financial Services Group Inc. generated $23.10B in revenue (+7.2% YoY), $0 in net income, and $3.34B in free cash flow against $573.57B in total assets and $230.82B in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
20D Institutional Volume Accumulation (±4% realized swing band)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9
Macro rate sensitivity & RSI-14 (60) create a -10 pt regime headwind
Even with a 62/100 (C) score, PNC faces multiple-compression risk if 36.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Sensitive to high interest rates and tighter Federal Reserve market liquidity.
Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($229.61) or 200D SMA ($229.09) invalidates the momentum regime and cuts Target Base ($231.96) toward Bear Floor ($180.93).
PNC Financial Services Group Inc. (PNC) slipped -1.71% to $227.86, trading at 62% of its 52-week range ($177.08 – $258.96). Solid steady margins (1% return on capital), mixed timing at 37x P/E—hold if owned, no rush to chase.
Yahoo! Finance Canada report covering PNC Financial Services Group Inc. (PNC) market action, institutional positioning, and fundamental catalysts.
The Motley Fool report covering PNC Financial Services Group Inc. (PNC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering PNC Financial Services Group Inc. (PNC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering PNC Financial Services Group Inc. (PNC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering PNC Financial Services Group Inc. (PNC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering PNC Financial Services Group Inc. (PNC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering PNC Financial Services Group Inc. (PNC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering PNC Financial Services Group Inc. (PNC) market action, institutional positioning, and fundamental catalysts.
Get a weekly dividend summary for Champions, Contenders, and Challengers.
JP Morgan analyst Vivek Juneja maintains PNC Financial Services Gr (NYSE:PNC) with a Overweight and raises the price target from $258 to $259.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +7.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on PNC today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for PNC. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, PNC Financial Services Group Inc. (PNC) ranks #362 by composite RQD confidence (62/100, grade C) and #38 by equity capitalization ($92.49B). Within this direct 5-issuer industry benchmark cohort, USB leads on earnings valuation at 12.5x trailing P/E, while ITUB leads on capital efficiency and profitability with 9.9% ROIC and — gross margin. USB currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with PNC at 62/100 (C).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| PNC
ACTIVE
PNC Financial Services Group Inc. | C | 62/100 | 36.8x | — | 1.2% | -1.71% | $92.49B | Benchmark Subject |
| USB U.S. Bancorp | B- | 70/100 | 12.5x | — | 3.0% | -1.96% | $94.48B | /usb-vs-pnc → |
| BNY The Bank of New York Mellon Corporation | C+ | 68/100 | 18.3x | — | 2.4% | -1.51% | $101.35B | /bny-vs-pnc → |
| ITUB Itau Unibanco Banco Holding SA American | D | 51/100 | 32.8x | — | 9.9% | -3.26% | $81.27B | /itub-vs-pnc → |
| BNS Bank Nova Scotia Halifax Pfd 3 | C+ | 66/100 | 32.8x | — | 9.9% | -1.73% | $117.05B | /bns-vs-pnc → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), PNC Financial Services Group Inc. (PNC) reported GAAP revenue of $23.10B (+7.2% vs. FY2024 revenue of $21.55B , and +7.5% cumulative change since FY2023) , GAAP net income of $0, operating cash flow of $4.38B, and free cash flow of $3.34B (-51.6% YoY). On the balance sheet, PNC closed FY2025 with $573.57B in total assets against $230.82B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 7/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $23.10B | $0 | $4.38B | $3.34B | $573.57B | $230.82B |
| FY2024 (FY) | 2024-12-31 | $21.55B | $0 | $7.88B | $6.91B | $560.04B | $227.51B |
| FY2023 (FY) | 2023-12-31 | $21.49B | $0 | $10.11B | $9.14B | $50.87B | $11.90B |
As of 2026-11-02, PNC Financial Services Group Inc. (NYSE: PNC) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 62/100 at a spot price of $227.86 (-1.71% 1D, market cap $92.49B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 15/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, PNC ranks #362 in composite RQD confidence.
Within the Financials sector (Major Banks), PNC carries a Roarable C (62/100 RQD), trailing P/E of 36.8x, gross margin of —, and ROIC of 1.2%. By comparison, USB (U.S. Bancorp) holds a B- grade (70/100 RQD, P/E 12.5x, ROIC 3.0%, cap $94.48B) and BNY (The Bank of New York Mellon Corporation) posts a C+ grade (68/100 RQD, P/E 18.3x, ROIC 2.4%, cap $101.35B). Among the 5-stock peer group, USB leads on earnings multiple (12.5x) while ITUB leads on capital efficiency (9.9% ROIC).
Per PNC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000713676), PNC Financial Services Group Inc. generated $23.10B in revenue (+7.2% YoY), $0 in net income, and $3.34B in free cash flow against $573.57B in total assets and $230.82B in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.
PNC last traded at $227.86 (-1.71% on volume of 1,506,292 shares), positioning the stock -0.76% below its 50-day simple moving average ($229.61) and -0.54% below its 200-day simple moving average ($229.09). Across its 52-week range of $177.08 to $258.96, PNC sits at the 62.0% percentile with a 14-day RSI of 60.0 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.0% ($218.75 to $236.97).
Why PNC Stock slipped -1.71% Today — RQD Quant Desk Flash. Solid steady margins (1% return on capital), mixed timing at 37x P/E—hold if owned, no rush to chase.
Per the Roarable RQD rating, PNC scores 62 out of 100, a letter grade of C, with the verdict label "Roarable Hold — Fair / Balanced Risk-Reward." The five pillars are:
Taken together, the pillars describe a stock where balance-sheet quality and institutional interest are supportive, while cash-generation efficiency and macro fit are weaker. Valuation metrics in the market data (P/E TTM of 36.8, forward P/E of 34.2, EV/EBITDA of 58.3) are elevated, which means the current price already embeds substantial expectations; a prospective investor should weigh whether that premium is justified by the fundamental pillars above. The "Hold" verdict reflects this balance rather than a directional call.
PNC Financial Services Group Inc. (The) is a NYSE-listed issuer in the Financials sector, operating within the Major Banks industry. Per the profile, the company carries a market capitalization of $92.5B. The source data does not provide a detailed breakdown of its products, customer segments, or revenue model beyond sector and industry classification. Not available in source data for further business detail.
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $23099.0M | $3252.3M | $0.0M | N/A | $3344.5M | N/A | $230821.2M |
| FY 2024 | $21555.0M | $3034.9M | $0.0M | N/A | $6910.0M | N/A | $227506.0M |
| FY 2023 | $21490.0M | $3025.8M | $0.0M | N/A | $9144.0M | N/A | $11903.1M |
Per the market data, operating margin is 13.9%, net margin is 10.9%, and gross margin is 0%, with ROIC at 1.2%. The reported net income line reads $0.0M across all three periods, which is inconsistent with the stated net margin and EPS of 6.3 and should be treated with caution. Per the Roarable RQD rating, the Altman Z-Score is 2.5 and the Piotroski F-Score is 7/9. Per the RQD rating, Debt/Equity is 0.5. Debt reported in the financials rose sharply from $11903.1M in FY 2023 to $230821.2M in FY 2025, a shift the source data does not explain.
Butterfly supply-chain graph: Per the Butterfly Supply-Chain Graph, supply chain is NONE, with no butterfly links and no proprietary signals.
Real-time company headlines, analyst actions, and sector developments for PNC Financial Services Group Inc. (PNC) • Click "Debate This Headline" to argue it in the Roar Pit below
Yahoo! Finance Canada report covering PNC Financial Services Group Inc. (PNC) market action, institutional positioning, and fundamental catalysts.
The Motley Fool report covering PNC Financial Services Group Inc. (PNC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering PNC Financial Services Group Inc. (PNC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering PNC Financial Services Group Inc. (PNC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering PNC Financial Services Group Inc. (PNC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering PNC Financial Services Group Inc. (PNC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering PNC Financial Services Group Inc. (PNC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering PNC Financial Services Group Inc. (PNC) market action, institutional positioning, and fundamental catalysts.
Welcome to the PNC (PNC Financial Services Group Inc.) Roar Pit. Current RQD Composite is 62/100 (Roarable Hold — Fair / Balanced Risk-Reward) in Major Banks. Bulls point to operating leverage and sector positioning, while bears focus on valuation multiple compression (36.8x trailing P/E). Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Everyone in here is repeating the bull case on PNC, but look at what you are paying: 36.8x trailing P/E with tightening sector spreads. Unless PNC Financial Services Group Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
Looking at the 5-pillar RQD breakdown on PNC, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $231.83 (52-wk range $177.08 - $258.96), any beat on forward guidance forces shorts and underweight funds to chase.
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