Market Price

119.60 

1.10 0.9%

as of Dec 17 '18

52 Week Range:

116.55 163.59


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

The PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States and internationally. The company operates through four segments: Retail Banking, Corporate & Institutional Banking, Asset Management Group, and BlackRock. The Retail Banking segment offers deposit, lending, brokerage, 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. As of December 31, 2017, this segment operated a network of 2,459 branches and 9,051 ATMs. The Corporate & Institutional Banking segment provides secured and unsecured loans, letters of credit, and equipment lease; and cash and investment management, receivables management, disbursement, fund transfer, information reporting, and trade, as well as foreign exchange, derivative, security underwriting, loan syndication, merger and acquisition advisory, and equity capital market advisory related services for corporations, government, and not-for-profit entities. This segment also offers commercial loan servicing and technology solutions for the commercial real estate finance industry. The Asset Management Group segment provides investment and retirement planning, customized investment management, private banking, credit, and trust management and administration solutions; 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; advisory, custody, and retirement administration services; and mutual funds to high net worth and ultra high net worth clients, as well as institutions. The BlackRock segment offers investment and risk management services to institutional and retail clients. The PNC Financial Services Group, Inc. was founded in 1922 and is headquartered in Pittsburgh, Pennsylvania.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 43.56
73.02
64.81
57.49
64.93
73.87
77.17
85.05
89.18
94.24
98.07
growth rate 67.6% -11.2% -11.3% 12.9% 13.8% 4.5% 10.2% 4.9% 5.7% 4.1%
Earnings BIT 2,090.00
1,240.00
3,230.00
4,060.00
4,070.00
3,940.00
5,570.00
6,195.00
6,149.00
6,084.00
6,573.00
growth rate -40.7% 160.5% 25.7% 0.3% -3.2% 41.4% 11.2% -0.7% -1.1% 8.0%
Avg.PE 14.99
19.27
12.39
12.09
10.22
11.00
10.40
12.85
11.83
17.51
15.09
growth rate 28.6% -35.7% -2.4% -15.5% 7.6% -5.5% 23.6% -7.9% 48.0% -13.8%
ROA 1.22
0.41
0.71
1.13
1.12
0.98
1.27
1.19
1.10
1.02
1.37
growth rate -66.4% 73.2% 59.2% -0.9% -12.5% 29.6% -6.3% -7.6% -7.3% 34.3%
ROE 11.44
4.38
7.24
10.01
9.33
7.76
9.78
9.09
8.71
8.17
10.95
growth rate -61.7% 65.3% 38.3% -6.8% -16.8% 26.0% -7.1% -4.2% -6.2% 34.0%
ROIC 13.79
5.21
5.84
7.64
6.19
4.80
5.75
5.08
growth rate -62.2% 12.1% 30.8% -19.0% -22.5% 19.8% -11.7%
Leverage 9.35
11.45
9.01
8.74
7.96
7.82
7.55
7.75
8.02
8.02
8.01
growth rate 22.5% -21.3% -3.0% -8.9% -1.8% -3.5% 2.7% 3.5% 0.0% -0.1%
Balance Sheet Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Payable 4,175.00
4,449.00
4,690.00
232,234.00
249,002.00
257,164.00
265,053.00
growth rate 6.6% 5.4% 4,851.7% 7.2% 3.3% 3.1%
Cur.Assets 45,563.00
38,286.00
37,452.00
40,768.00
growth rate -16.0% -2.2% 8.9%
Total Assets 291,081.00
269,863.00
264,284.00
271,205.00
305,107.00
320,192.00
345,072.00
358,493.00
366,380.00
380,768.00
growth rate -7.3% -2.1% 2.6% 12.5% 4.9% 7.8% 3.9% 2.2% 3.9%
Cash 19,330.00
8,776.00
4,907.00
80,760.00
85,046.00
92,091.00
4,566.00
4,065.00
4,879.00
5,249.00
growth rate -54.6% -44.1% 1,545.8% 5.3% 8.3% -95.0% -11.0% 20.0% 7.6%
Inventory 370.00
299.00
230.00
170.00
growth rate -19.2% -23.1% -26.1%
Cur.Liabilities 248,799.00
256,765.00
265,533.00
271,183.00
growth rate 3.2% 3.4% 2.1%
Liabilities 265,659.00
239,921.00
234,042.00
237,152.00
266,104.00
277,858.00
298,998.00
312,513.00
319,526.00
333,183.00
growth rate -9.7% -2.5% 1.3% 12.2% 4.4% 7.6% 4.5% 2.2% 4.3%
LT Debt 11,330.00
2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
46,773.00
54,532.00
52,706.00
59,088.00
growth rate -82.3% 0.1% 0.1% 0.1% 0.1% 0.1% 2,223.6% 16.6% -3.4% 12.1%
Equity 14,854.00
25,422.00
29,942.00
30,242.00
34,053.00
39,003.00
42,334.00
40,605.00
41,258.00
41,722.00
43,528.00
growth rate 71.2% 17.8% 1.0% 12.6% 14.5% 8.5% -4.1% 1.6% 1.1% 4.3%
Common Shares 335.00
346.00
455.00
520.00
526.00
529.00
532.00
537.00
521.00
500.00
486.00
growth rate 3.3% 31.5% 14.3% 1.2% 0.6% 0.6% 0.9% -3.0% -4.0% -2.8%
Cash Flow Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 0.00 0.00 0.00 0.00 0.00 0.00
growth rate
Cash Dividends 806.00
923.00
818.00
350.00
660.00
1,497.00
1,523.00
1,232.00
1,257.00
1,270.00
1,502.00
growth rate 14.5% -11.4% -57.2% 88.6% 126.8% 1.7% -19.1% 2.0% 1.0% 18.3%
Cash From OA -416.00
7,414.00
5,754.00
4,812.00
6,033.00
6,809.00
5,555.00
5,585.00
5,525.00
3,635.00
5,699.00
growth rate 100.0% -22.4% -16.4% 25.4% 12.9% -18.4% 0.5% -1.1% -34.2% 56.8%
FCF per Share -1.24
21.36
12.64
9.25
9.43
12.91
13.38
7.88
8.69
8.25
12.60
growth rate 100.0% -40.8% -26.8% 2.0% 36.9% 3.6% -41.1% 10.3% -5.1% 52.7%
Sale Purchase of Stock 987.00
2,391.00
566.00
252.00
139.00
151.00
-3,315.00
growth rate 142.3% -76.3% -55.5% -44.8% 8.6% -100.0%
FCF -416.00
7,414.00
5,753.00
4,811.00
6,035.00
6,827.00
5,555.00
5,557.00
5,496.00
3,635.00
5,699.00
growth rate 100.0% -22.4% -16.4% 25.4% 13.1% -18.6% 0.0% -1.1% -33.9% 56.8%
Income Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 5,900.00
6,296.00
16,228.00
15,176.00
15,820.00
16,606.00
16,872.00
15,102.00
14,970.00
14,729.00
15,888.00
growth rate 6.7% 157.8% -6.5% 4.2% 5.0% 1.6% -10.5% -0.9% -1.6% 7.9%
Op.Income 1,094.00
3,225.00
4,061.00
3,056.00
3,001.00
4,201.00
5,614.00
5,507.00
5,253.00
5,490.00
growth rate 194.8% 25.9% -24.8% -1.8% 40.0% 33.6% -1.9% -4.6% 4.5%
IBT 1,094.00
3,225.00
4,061.00
4,069.00
4,039.00
5,688.00
5,614.00
5,507.00
5,253.00
5,490.00
growth rate 194.8% 25.9% 0.2% -0.7% 40.8% -1.3% -1.9% -4.6% 4.5%
Net Income 882.00
2,447.00
3,412.00
3,056.00
3,001.00
4,201.00
4,184.00
4,106.00
3,903.00
5,338.00
growth rate 177.4% 39.4% -10.4% -1.8% 40.0% -0.4% -1.9% -4.9% 36.8%
EPS 4.35
2.44
4.36
5.02
5.64
5.28
7.36
7.30
7.39
7.30
10.36
growth rate -43.9% 78.7% 15.1% 12.4% -6.4% 39.4% -0.8% 1.2% -1.2% 41.9%
Gross Profit 15,102.00
14,970.00
14,729.00
15,888.00
growth rate -0.9% -1.6% 7.9%

Quarterly Statements

Item Name Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Earnings BIT 1,819.00
1,364.00
1,836.00
growth rate -25.0% 34.6%
Balance Sheet Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Acct.Payable 260,735.00
265,053.00
264,704.00
264,885.00
264,884.00
growth rate 1.7% -0.1% 0.1% 0.0%
Cur.Assets 35,400.00
40,768.00
38,167.00
32,987.00
30,849.00
growth rate 15.2% -6.4% -13.6% -6.5%
Total Assets 375,191.00
380,768.00
379,161.00
380,711.00
380,080.00
growth rate 1.5% -0.4% 0.4% -0.2%
Cash 4,736.00
5,249.00
4,649.00
5,425.00
5,248.00
growth rate 10.8% -11.4% 16.7% -3.3%
Inventory 194.00
170.00
162.00
135.00
131.00
growth rate -12.4% -4.7% -16.7% -3.0%
Cur.Liabilities 270,182.00
271,183.00
273,097.00
273,425.00
274,035.00
growth rate 0.4% 0.7% 0.1% 0.2%
Liabilities 328,739.00
333,183.00
332,126.00
333,736.00
333,022.00
growth rate 1.4% -0.3% 0.5% -0.2%
LT Debt 57,564.00
59,088.00
58,039.00
59,222.00
57,955.00
growth rate 2.7% -1.8% 2.0% -2.1%
Equity 42,406.00
43,528.00
42,983.00
42,917.00
43,076.00
growth rate 2.7% -1.3% -0.2% 0.4%
Common Shares 2,710.00
2,710.00
2,710.00
2,710.00
48,318.00
growth rate 0.0% 0.0% 0.0% 1,683.0%
Cash Flow Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Capital Expenditures
growth rate
Cash Dividends 427.00
417.00
421.00
410.00
509.00
growth rate -2.3% 1.0% -2.6% 24.2%
Cash From OA 2,542.00
873.00
2,922.00
1,617.00
1,164.00
growth rate -65.7% 234.7% -44.7% -28.0%
Sale Purchase of Stock 26.00
33.00
33.00
7.00
growth rate 26.9% 0.0% -78.8%
FCF
growth rate
Income Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Sales 3,995.00
4,135.00
4,019.00
4,244.00
4,269.00
growth rate 3.5% -2.8% 5.6% 0.6%
Op.Income 1,539.00
1,074.00
1,492.00
1,660.00
1,661.00
growth rate -30.2% 38.9% 11.3% 0.1%
IBT 1,539.00
1,074.00
1,492.00
1,660.00
1,661.00
growth rate -30.2% 38.9% 11.3% 0.1%
Net Income 1,114.00
2,080.00
1,229.00
1,346.00
1,389.00
growth rate 86.7% -40.9% 9.5% 3.2%
EPS
growth rate
Gross Profit 3,995.00
4,135.00
4,019.00
4,244.00
4,269.00
growth rate 3.5% -2.8% 5.6% 0.6%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (43.30)

YOY Growth Grade:

E (27.99)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 9.86 9.84 10.40
EPS / Growth 3.8% 12.16 12.5%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 4.4%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 3.8% 4.1% 4.1%
Future PE 7.66 9.50 9.50
Future EPS 17.71 18.21 18.21
Value Price
MOS %
33.53
-72.0%
42.76
-64.3%
42.76
-64.3%
MOS Price 16.76 21.38 21.38
IRT 8.23 8.14 8.14

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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