Fair value (multi-method)
Four independent methods triangulate what PNC is worth. The headline is the Forward-DCF intrinsic value at a normalized growth rate; the margin of safety compares it to the current price.
Estimated fair value (Forward DCF)
$1,073.14
Method range
$122.09 – $1,073.14
median $226.55
Valuation methods
Each method’s implied fair value per share and its upside versus the current price. Missing methods (no analyst coverage, negative earnings, etc.) are shown as “—”.
| Method | Fair value | Upside vs price |
|---|---|---|
| Forward DCF | $1,073.14 | +369.91% |
| Exit multiple | $200.46 | -12.22% |
| Analyst target | $252.63 | +10.62% |
| Graham number | $122.09 | -46.54% |
- Forward DCF$1,073.14
- Exit multiple$200.46
- Analyst target$252.63
- Graham number$122.09
Stock price
$228.37
FCF / share (TTM)
$4.69
3Y FCF CAGR
-10.0%
Fair value @ hist. growth
$29.44
This analysis is for informational purposes only and is not financial advice. Scenario prices and DCF-style figures depend on your assumptions and data from public filings and estimates. They are not forecasts of future returns.
Implied FCF growth
17.8%
per year over your projection horizon
Margin of safety -675.8% vs hist-growth DCF
Historical 3Y CAGR
-10.0%
Your model implies
17.8%
Analyst consensus is EPS-only — no comparable FCF / share estimate to show on this basis.
Model inputs
Move sliders to test how the reverse DCF reacts. Historical-growth markers show where the company has actually grown over the last cycle.
Undiscounted FCF per share over 10 years at -10% annual growth.
Sensitivity — implied growth vs your assumptions
Each cell shows the per-share growth rate the market would need to justify the current price at that combination of discount rate (rows) and terminal growth (columns). Your selected inputs are highlighted.
| Row axis: discount rate. Column axis: terminal growth.Terminal g →↓ Discount | 1.5% | 2.0% | 2.5% | 3.0% | 3.5% |
|---|---|---|---|---|---|
| 7.1% | 14.2% | 13.4% | 12.4% | 11.3% | 10.0% |
| 8.1% | 16.8% | 16.0% | 15.2% | 14.3% | 13.3% |
| 9.1% | 19.2% | 18.5% | 17.8% | 17.0% | 16.2% |
| 10.1% | 21.4% | 20.8% | 20.2% | 19.5% | 18.8% |
| 11.1% | 23.4% | 22.9% | 22.4% | 21.8% | 21.2% |
Historical multiples
Each bar is the trailing five-year range (low left, high right). Filled portion runs from low to today; the dot marks today; the small tick marks the five-year median. Low, median, and high are listed under each bar.
Net debt
$17.4B
Total debt − cash
Beta
0.92
Vs market benchmark
Frequently asked questions
PNC Financial Services Group (PNC) Key Financials
Charts, filings, and peer comparison for every metric
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