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Intrinsic value of The PNC Financial Services Group, Inc (PNC)

Previous Close$167.04
Intrinsic Value
Upside potential
Previous Close
$167.04
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh164.55 

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

The PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States. The Retail Banking segment offers deposit, lending, brokerage, insurance, and investment and cash management services to consumer and small business customers through a network of branches, ATMs, call centers, and online banking and mobile channels. The Corporate & Institutional Banking segment provides secured and unsecured loans, letters of credit, and equipment leases; payables, receivables, deposit and account, liquidity and investments, and online and mobile banking products and services; foreign exchange, derivatives, securities underwriting, loan syndications, and mergers and acquisitions and equity capital markets advisory related services; and commercial loan servicing and technology solutions for the commercial real estate finance industry. The Asset Management Group segment offers investment and retirement planning, customized investment management, private banking, and trust management and administration solutions; and multi-generational family planning products, such as estate, financial, tax planning, fiduciary, investment management and consulting, private banking, personal administrative, asset custody, and customized performance reporting services. This segment also provides chief investment officer, custody, private real estate, cash and fixed income client solutions, and retirement advisory services. The BlackRock segment offers single- and multi-asset class portfolios; and investment and risk management services technology platform. It operates 2,400 locations and 15,000 ATMs. The PNC Financial Services Group, Inc. was founded in 1852 and is headquartered in Pittsburgh, Pennsylvania.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %12.4NaN
Revenue, $18957NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m11969NaN
Operating income, $m6988NaN
EBITDA, $m8761NaN
Interest expense (income), $mNaN
Earnings before tax, $m6672NaN
Tax expense, $m1263NaN
Net income, $m5409NaN

BALANCE SHEET

Cash and short-term investments, $m82254NaN
Total assets, $m559944NaN
Adjusted assets (=assets-cash), $m477690NaN
Average production assets, $m20112NaN
Working capital, $m-102030NaN
Total debt, $m34404NaN
Total liabilities, $m504249NaN
Total equity, $m55695NaN
Debt-to-equity ratio0.618NaN
Adjusted equity ratio-0.037NaN

CASH FLOW

Net income, $m5409NaN
Depreciation, amort., depletion, $m1773NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m7023NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m1NaN
Free cash flow, $m7022NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-102030
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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