PNC

SELL

PNC Financial Services Group, I

Financial Services · Rank #311 · Analyzed Jul 13, 2026

$251.91

Current Price

$229.97

Intrinsic Value

-8.7%

Upside/Downside

2/10

Score

2/5

Quality

Analysis Summary

Valuation Consensus0/3 methods agree

Quality Score2/5.0

Framework RatingSELL

Price vs Intrinsic ValueOvervalued by 8.7%

Fair Value Range

Low$91.68

Base (IV)$229.97

High$275.96

Entry Points

Conservative$64.17

Moderate$91.68

Aggressive$160.98

⚠️ 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.