The PNC Financial Services Group (0KEF) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of The PNC Financial Services Group $249, price $221, upside +12.3%, quality 66 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? Yes
- Good quality? Yes
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The PNC Financial Services Group
0KEF · LSEUndervaluedQuality growthThe stock appears undervalued with acceptable quality.
What runs behind every stock
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $67.69 – $256.44 · fair‑value band $174.00 – $323.14 · the $221.34 price screens below the $248.57 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
Company profile
The PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States. It operates through three segments: Retail Banking, Corporate & Institutional Banking, and Asset Management Group segments.
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The PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States. It operates through three segments: Retail Banking, Corporate & Institutional Banking, and Asset Management Group segments. The Retail Banking segment offers checking, savings, and money market accounts, and time deposit; residential mortgages, home equity loans and lines of credit, auto loans, credit cards, education loans, and personal and small business loans and lines of credit; and brokerage, insurance, and investment and cash management services. This segment serves consumer and small business customers through a network of branches, digital channels, ATMs, and through phone-based customer contact centers. The Corporate & Institutional Banking segment provides secured and unsecured loans, letters of credit, and equipment leases; cash and investment management, receivables and disbursement management, funds transfer, international payment, and access to online/mobile information management and reporting services; asset-backed financing, securities underwriting, loan syndications, mergers and acquisitions and equity capital markets advisory, and customer related services; and commercial loan servicing and technology solutions. It serves mid-sized and large corporations, and government and not-for-profit entities. The Asset Management Group segment offers investment and retirement planning, customized investment management, credit and cash management solutions, and trust management and administration services for high net worth and ultra high net worth individuals, and their families; and multi-generational family planning services. It also offers outsourced chief investment officer, custody, cash and fixed income client solutions, and retirement plan fiduciary investment services for institutional clients. The company was founded in 1865 and is headquartered in Pittsburgh, Pennsylvania.
Stock analysis
The PNC Financial Services Group (0KEF) currently trades at $221.34, while our model-based Fair Value estimate is $248.57, implying the stock looks roughly 11.0% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of $393.70 per share, and 14 of the 25 models we run sit above the $221.34 price.
Bear case: the Asset-Based group reads lowest at $87.97, and 11 of the 25 models stay below the price. Evidence for this calculation is high.
Scenario range: $174.00 (bear) to $323.14 (bull), the price of $221.34 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 66/100 (solid quality), in the Industrials sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
The PNC Financial Services Group reported revenue of $34.1B in FY2025 versus $19.4B in FY2021, a compound +15.1%/yr. Reported net income was $6.9B in FY2025, compounding +5.1%/yr from FY2021.
Key figures
Market cap $87.7B · P/E ratio 0.2 · P/S ratio 0.04 · EPS (TTM) $11.81 · Dividend yield 3.1% · Net margin 20.2% · Return on equity 12.6% · Return on assets (EBIT) 1.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 52 out of 100 (low confidence).
What moves the price
The share trades about 14% below its 52-week high and 27% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Industrials peers we cover trades at −40% fair-value upside, at 12%, 0KEF screens cheaper than that median.
Fair Value models
All 25 models by family
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Set up alert →Quality Score breakdown
Of which business quality 60 · Market factors (momentum, volatility) 57
Revenue & earnings trend
Growth Forecast
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Compare The PNC Financial Services Group with another stock
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Context: sector, industry, market
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: UK Stocks
- Valuation of the UK market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
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Key figures of The PNC Financial Services Group
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