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PNC

SELL

PNC Financial Services Group, I

Financial Services · Rank #276 · Analyzed Apr 20, 2026

$224.81

Current Price

$228.93

Intrinsic Value

+22.2%

Upside/Downside

2/10

Score

2/5

Quality

Analysis Summary

Valuation Consensus1/3 methods agree
Quality Score2/5.0
Framework RatingSELL
Price vs Intrinsic ValueUndervalued by 22.2%

Fair Value Range

Low$120.67
Base (IV)$228.93
High$274.72

Entry Points

Conservative$120.67
Moderate$174.80
Aggressive$228.93

⚠️ Warnings

  • Financial sector — DCF less reliable (FCF includes reserves/float)

Quality & Moat Breakdown

Return on Equity12.1% → 0.5/1.0
Debt LevelD/E 100 → 0/1.0
Revenue QualityGrowth 10.9%, margin Δ+0.0% → 0.5/1.0
Moat Strength2.0/5 → 0/1.0
Profit Margins31.3% → 1.0/1.0

Methodology

This analysis uses a unified valuation framework combining three methods — Discounted Cash Flow (3-scenario), Earnings Power Value, and Asset Valuation — with a quality scoring overlay. A stock needs 2/3 valuation methods to agree and a quality score ≥ 3.5/5 for a BUY rating.

Learn how this framework works →

This is a personal analysis tool, not financial advice. Do your own research before making investment decisions.