Pnc Financial Services Stock Z Score

PNC Stock

USD 152.30 4.41 2.98%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Check out PNC Financial Piotroski F Score and PNC Financial Valuation analysis.

At present, PNC Financial's Change In Working Capital is projected to increase significantly based on the last few years of reporting. The current year's Invested Capital is expected to grow to 2.06, whereas Capital Surpluse is forecasted to decline to about 17.9 B. At present, PNC Financial's Other Operating Expenses is projected to decrease significantly based on the last few years of reporting. The current year's Operating Income is expected to grow to about 19.7 B, whereas Income Tax Expense is forecasted to decline to about 666.7 M.

PNC Financial Services Company Z Score Analysis

PNC Financial's Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..

Z Score

Sum Of

5 Factors

More About Z Score | All Equity Analysis

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

PNC Z Score Driver Correlations

Understanding the fundamental principles of building solid financial models for PNC Financial is extremely important. It helps to project a fair market value of PNC Stock properly, considering its historical fundamentals such as Z Score. Since PNC Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of PNC Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of PNC Financial's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Total Liab	Total Current Assets	Short Term Debt	Common Stock	Accounts Payable	Long Term Debt	Good Will	Short Term Investments	Treasury Stock	Intangible Assets	Property Plant Equipment	Net Receivables	Total Permanent Equity	Net Tangible Assets	Long Term Debt Total	Capital Surpluse	Long Term Investments	Short Long Term Debt	Earning Assets	Net Invested Capital	Capital Stock
Total Assets		0.88	-0.25	0.97	-0.03	0.54	0.45	0.6	0.18	0.58	0.8	0.28	-0.82	0.25	0.57	0.45	0.56	0.85	0.46	0.85	-0.18	-0.72	0.72	-0.02	0.4
Total Stockholder Equity	0.88		-0.19	0.82	0.1	0.52	0.15	0.85	0.1	0.64	0.88	0.51	-0.54	-0.12	0.35	0.76	0.31	0.89	0.6	0.7	-0.11	-0.62	0.4	-0.12	0.22
Net Debt	-0.25	-0.19		-0.24	0.66	-0.75	-0.16	0.08	-0.56	0.23	-0.05	-0.55	0.34	0.3	0.4	0.31	-0.28	-0.51	-0.06	0.06	0.29	0.22	-0.48	0.75	0.01
Retained Earnings	0.97	0.82	-0.24		-0.07	0.48	0.44	0.49	0.11	0.64	0.7	0.22	-0.9	0.27	0.55	0.35	0.7	0.85	0.54	0.8	-0.21	-0.82	0.71	0.02	0.42
Total Liab	-0.03	0.1	0.66	-0.07		-0.11	-0.62	0.42	-0.4	0.01	0.32	0.03	0.17	0.08	0.14	0.51	-0.28	-0.18	0.17	0.03	0.26	0.02	-0.34	0.15	-0.31
Total Current Assets	0.54	0.52	-0.75	0.48	-0.11		-0.06	0.41	0.56	-0.16	0.54	0.79	-0.5	-0.2	-0.26	0.09	0.26	0.7	0.18	0.22	-0.02	-0.39	0.57	-0.75	-0.17
Short Term Debt	0.45	0.15	-0.16	0.44	-0.62	-0.06		-0.11	0.11	0.33	0.06	-0.44	-0.43	0.44	0.62	-0.18	0.37	0.2	-0.23	0.54	-0.16	-0.15	0.57	0.4	0.64
Common Stock	0.6	0.85	0.08	0.49	0.42	0.41	-0.11		0.03	0.41	0.93	0.52	-0.16	-0.15	0.24	0.89	-0.1	0.61	0.34	0.58	0.06	-0.29	0.17	-0.08	-0.14
Accounts Payable	0.18	0.1	-0.56	0.11	-0.4	0.56	0.11	0.03		-0.21	0.16	0.6	-0.16	-0.13	-0.32	-0.24	0.11	0.26	-0.2	0.04	-0.03	-0.08	0.35	-0.58	-0.08
Long Term Debt	0.58	0.64	0.23	0.64	0.01	-0.16	0.33	0.41	-0.21		0.41	-0.11	-0.43	0.08	0.51	0.53	0.43	0.53	0.69	0.62	-0.11	-0.61	0.14	0.47	0.45
Good Will	0.8	0.88	-0.05	0.7	0.32	0.54	0.06	0.93	0.16	0.41		0.5	-0.43	0.12	0.38	0.73	0.13	0.73	0.37	0.78	-0.01	-0.46	0.49	-0.08	-0.1
Short Term Investments	0.28	0.51	-0.55	0.22	0.03	0.79	-0.44	0.52	0.6	-0.11	0.5		-0.14	-0.55	-0.53	0.3	0.03	0.58	0.27	-0.02	-0.02	-0.29	0.12	-0.82	-0.36
Treasury Stock	-0.82	-0.54	0.34	-0.9	0.17	-0.5	-0.43	-0.16	-0.16	-0.43	-0.43	-0.14		-0.39	-0.39	0.05	-0.87	-0.72	-0.43	-0.63	0.22	0.85	-0.8	0.04	-0.33
Intangible Assets	0.25	-0.12	0.3	0.27	0.08	-0.2	0.44	-0.15	-0.13	0.08	0.12	-0.55	-0.39		0.67	-0.26	0.29	-0.11	-0.13	0.57	-0.07	-0.11	0.58	0.56	0.03
Property Plant Equipment	0.57	0.35	0.4	0.55	0.14	-0.26	0.62	0.24	-0.32	0.51	0.38	-0.53	-0.39	0.67		0.31	0.22	0.13	0.06	0.75	-0.2	-0.25	0.38	0.66	0.55
Net Receivables	0.45	0.76	0.31	0.35	0.51	0.09	-0.18	0.89	-0.24	0.53	0.73	0.3	0.05	-0.26	0.31		-0.22	0.42	0.45	0.43	0.06	-0.19	-0.17	0.11	0.06
Total Permanent Equity	0.56	0.31	-0.28	0.7	-0.28	0.26	0.37	-0.1	0.11	0.43	0.13	0.03	-0.87	0.29	0.22	-0.22		0.53	0.41	0.37	-0.28	-0.79	0.58	0.0	0.33
Net Tangible Assets	0.85	0.89	-0.51	0.85	-0.18	0.7	0.2	0.61	0.26	0.53	0.73	0.58	-0.72	-0.11	0.13	0.42	0.53		0.63	0.61	-0.07	-0.69	0.59	-0.29	0.15
Long Term Debt Total	0.46	0.6	-0.06	0.54	0.17	0.18	-0.23	0.34	-0.2	0.69	0.37	0.27	-0.43	-0.13	0.06	0.45	0.41	0.63		0.31	-0.01	-0.62	0.07	0.0	0.11
Capital Surpluse	0.85	0.7	0.06	0.8	0.03	0.22	0.54	0.58	0.04	0.62	0.78	-0.02	-0.63	0.57	0.75	0.43	0.37	0.61	0.31		-0.1	-0.52	0.72	0.37	0.21
Long Term Investments	-0.18	-0.11	0.29	-0.21	0.26	-0.02	-0.16	0.06	-0.03	-0.11	-0.01	-0.02	0.22	-0.07	-0.2	0.06	-0.28	-0.07	-0.01	-0.1		0.41	-0.22	0.19	-0.14
Short Long Term Debt	-0.72	-0.62	0.22	-0.82	0.02	-0.39	-0.15	-0.29	-0.08	-0.61	-0.46	-0.29	0.85	-0.11	-0.25	-0.19	-0.79	-0.69	-0.62	-0.52	0.41		-0.51	0.07	-0.23
Earning Assets	0.72	0.4	-0.48	0.71	-0.34	0.57	0.57	0.17	0.35	0.14	0.49	0.12	-0.8	0.58	0.38	-0.17	0.58	0.59	0.07	0.72	-0.22	-0.51		-0.07	0.06
Net Invested Capital	-0.02	-0.12	0.75	0.02	0.15	-0.75	0.4	-0.08	-0.58	0.47	-0.08	-0.82	0.04	0.56	0.66	0.11	0.0	-0.29	0.0	0.37	0.19	0.07	-0.07		0.28
Capital Stock	0.4	0.22	0.01	0.42	-0.31	-0.17	0.64	-0.14	-0.08	0.45	-0.1	-0.36	-0.33	0.03	0.55	0.06	0.33	0.15	0.11	0.21	-0.14	-0.23	0.06	0.28

Click cells to compare fundamentals

To calculate a Z-Score, one would need to know a company's current working capital, its total assets and liabilities, and the amount of its latest earnings as well as earnings before interest and tax. Z-Scores can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area,' with scores of less than 1 indicating the highest probability of distress. Z Score is a used widely measure by financial auditors, accountants, money managers, loan processors, wealth advisers, and day traders. In the last 25 years, many financial models that utilize z-scores proved it to be successful as a predictor of corporate bankruptcy.

Competition

Predict PNC Financial

Based on the company's disclosures, PNC Financial Services has a Z Score of 0.0. This is 100.0% lower than that of the Banks sector and about the same as Financials (which currently averages 0.0) industry. The z score for all United States stocks is 100.0% higher than that of the company.

PNC Financial ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, PNC Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to PNC Financial's managers, analysts, and investors.

Environment Score

Governance Score

Social Score

PNC Financial Institutional Holders

Institutional Holdings refers to the ownership stake in PNC Financial that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of PNC Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing PNC Financial's value.

		Shares
Aristotle Capital Management Llc	2023-12-31	5.5 M
Amvescap Plc.	2023-12-31	5 M
Goldman Sachs Group Inc	2023-12-31	4.9 M
Franklin Resources Inc	2023-12-31	4.9 M
Capital Research Global Investors	2023-12-31	4.8 M
Ameriprise Financial Inc	2023-12-31	4.7 M
Northern Trust Corp	2023-12-31	4.4 M
T. Rowe Price Associates, Inc.	2023-12-31	3.9 M
Morgan Stanley - Brokerage Accounts	2023-12-31	3.9 M
Vanguard Group Inc	2023-12-31	37 M
Blackrock Inc	2023-12-31	29.2 M

PNC Fundamentals

	Return On Equity	0.11
	Return On Asset	0.0094
	Profit Margin	0.26 %
	Operating Margin	0.33 %
	Current Valuation	77.96 B
	Shares Outstanding	398.05 M
	Shares Owned By Insiders	0.30 %
	Shares Owned By Institutions	84.71 %
	Number Of Shares Shorted	4.28 M
	Price To Earning	8.70 X
	Price To Book	1.17 X
	Price To Sales	2.89 X
	Revenue	21.51 B
	Gross Profit	20.64 B
	EBITDA	18.75 B
	Net Income	5.65 B
	Cash And Equivalents	7.03 B
	Cash Per Share	17.39 X
	Total Debt	72.74 B
	Debt To Equity	0.73 %
	Book Value Per Share	129.00 X
	Cash Flow From Operations	10.11 B
	Short Ratio	1.83 X
	Earnings Per Share	11.91 X
	Price To Earnings To Growth	3.46 X
	Target Price	167.66
	Number Of Employees	54.81 K
	Beta	1.15
	Market Capitalization	58.87 B
	Total Asset	561.58 B
	Retained Earnings	56.29 B
	Annual Yield	0.04 %
	Five Year Return	2.85 %
	Net Asset	561.58 B
	Last Dividend Paid	6.15

About PNC Financial Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze PNC Financial Services's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of PNC Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of PNC Financial Services based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

PNC Financial Investors Sentiment

The influence of PNC Financial's investor sentiment on the probability of its price appreciation or decline could be a good factor in your decision-making process regarding taking a position in PNC. The overall investor sentiment generally increases the direction of a stock movement in a one-year investment horizon. However, the impact of investor sentiment on the entire stock market does not have solid backing from leading economists and market statisticians.

Investor biases related to PNC Financial's public news can be used to forecast risks associated with an investment in PNC. The trend in average sentiment can be used to explain how an investor holding PNC can time the market purely based on public headlines and social activities around PNC Financial Services. Please note that most equities that are difficult to arbitrage are affected by market sentiment the most.

PNC Financial's market sentiment shows the aggregated news analyzed to detect positive and negative mentions from the text and comments. The data is normalized to provide daily scores for PNC Financial's and other traded tickers. The bigger the bubble, the more accurate is the estimated score. Higher bars for a given day show more participation in the average PNC Financial's news discussions. The higher the estimated score, the more favorable is the investor's outlook on PNC Financial.

PNC Financial Implied Volatility

41.67

PNC Financial's implied volatility exposes the market's sentiment of PNC Financial Services stock's possible movements over time. However, it does not forecast the overall direction of its price. In a nutshell, if PNC Financial's implied volatility is high, the market thinks the stock has potential for high price swings in either direction. On the other hand, the low implied volatility suggests that PNC Financial stock will not fluctuate a lot when PNC Financial's options are near their expiration.

Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards PNC Financial in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, PNC Financial's short interest history, or implied volatility extrapolated from PNC Financial options trading.

Becoming a Better Investor with Macroaxis

Macroaxis puts the power of mathematics on your side. We analyze your portfolios and positions such as PNC Financial Services using complex mathematical models and algorithms, but make them easy to understand. There is no real person involved in your portfolio analysis. We perform a number of calculations to compute absolute and relative portfolio volatility, correlation between your assets, value at risk, expected return as well as over 100 different fundamental and technical indicators.

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When determining whether PNC Financial Services offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of PNC Financial's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Pnc Financial Services Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Pnc Financial Services Stock:

How To Invest In PNC

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Is PNC Stock a good investment?

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What is PNC Financial's Net Worth?

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Check out PNC Financial Piotroski F Score and PNC Financial Valuation analysis.

You can also try the My Watchlist Analysis module to analyze my current watchlist and to refresh optimization strategy. Macroaxis watchlist is based on self-learning algorithm to remember stocks you like.

Complementary Tools for PNC Stock analysis

When running PNC Financial's price analysis, check to measure PNC Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy PNC Financial is operating at the current time. Most of PNC Financial's value examination focuses on studying past and present price action to predict the probability of PNC Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move PNC Financial's price. Additionally, you may evaluate how the addition of PNC Financial to your portfolios can decrease your overall portfolio volatility.

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Is PNC Financial's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of PNC Financial. If investors know PNC will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about PNC Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

(0.22)

Dividend Share

6.15

Earnings Share

11.91

Revenue Per Share

50.846

Quarterly Revenue Growth

(0.07)

The market value of PNC Financial Services is measured differently than its book value, which is the value of PNC that is recorded on the company's balance sheet. Investors also form their own opinion of PNC Financial's value that differs from its market value or its book value, called intrinsic value, which is PNC Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because PNC Financial's market value can be influenced by many factors that don't directly affect PNC Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between PNC Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if PNC Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, PNC Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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Pnc Financial Services Stock Z Score

PNC Financial Services Company Z Score Analysis

Z Score

Sum Of

5 Factors

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

PNC Z Score Driver Correlations

PNC Financial ESG Sustainability

PNC Financial Institutional Holders

PNC Fundamentals

About PNC Financial Fundamental Analysis

PNC Financial Investors Sentiment

PNC Financial Implied Volatility

Becoming a Better Investor with Macroaxis

Build Optimal Portfolios

Align your risk with return expectations

Complementary Tools for PNC Stock analysis

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