PNC Financial Services Group Inc
PNC
Market Cap$81.69B
Close$
Earnings Call Q2 2025
July 16, 2025 - AI Summary
Strong Financial Performance: PNC reported a net income of $1.6 billion or $3.85 per diluted share for Q2 2025, reflecting a 14% year-over-year EPS growth. Total revenue increased 4% quarter-over-quarter to $5.7 billion, driven by higher net interest income and solid fee income.
Loan Growth and Market Position: Loan balances increased by 2% in Q2, primarily driven by a 4% growth in Commercial & Industrial (C&I) loans. This growth is attributed to strong new production and increased utilization, especially in growth markets. The company raised its full-year loan guidance from stable to an increase of approximately 1%.
Outlook for Net Interest Income (NII): PNC revised its 2025 NII growth forecast upward to approximately 7%, supported by continued loan growth and existing fixed-rate asset repricing. However, deposit pricing may face upward pressure due to competitive market dynamics, although rates paid remain stable currently at 2.24%.
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$414.48
102.8% upside
Current Fair Value
102.8% upsideUndervalued by 102.8% based on the discounted cash flow analysis.
Share Statistics
| Market cap | $81.69 Billion |
|---|---|
| Enterprise Value | $111.72 Billion |
| Dividend Yield | $6.50 (3.13%) |
| Earnings per Share | $13.76 |
| Beta | 1.09 |
| Outstanding Shares | 397,000,000 |
Return
| Return on Equity | - |
|---|---|
| Return on Assets | - |
| Return on Invested Capital | - |
Valuation & Multiples
| P/E Ratio | 13.27 |
|---|---|
| PEG | 115.21 |
| Price to Sales | 3.3 |
| Price to Book Ratio | 1.41 |
| Enterprise Value to Revenue | 4.54 |
| Enterprise Value to EBIT | -18.13 |
| Enterprise Value to Net Income | 18 |
| Total Debt to Enterprise | 0.54 |
| Debt to Equity | 1.05 |
Revenue Sources
No data
Insider Trades
ESG Score
No data
About PNC Financial Services Group
50,403 employees
CEO: William Demchak he PNC Financial Services Group, Inc. is one of the largest diversified financial services institutions in the United States, organized around its customers and communities for strong relationships and local delivery of retail and busine...