What Is PNC Fair Value?
PNC Financial Services (PNC) fair value estimate using multiple valuation models, updated daily.
As of October 14, 2026, PNC Financial Services (PNC) has a composite fair value estimate of $497.44 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $219.48, suggesting the stock is undervalued by 126.6%.
Data as of October 14, 2026 (today)
Composite Fair Value
Undervalued4 of 4 models$497.44
vs. current price of $219.48(+126.6%)
How Is PNC Fair Value Calculated?
Four independent models estimate what PNC is worth. Each uses different inputs and assumptions. The composite blends them by weight.
PNC Intrinsic Value
Forward-looking models based on future cash flows
DCF (Discounted Cash Flow)
35% weightEstimates how much cash the company will generate over the next 10 years, then calculates what all that future cash is worth in today's dollars. Includes a 15% safety cushion. Try the standalone DCF calculator →
$787.27
+258.7%Undervalued
Inputs used
DDM (Dividend Discount Model)
15% weightIf a company pays you dividends, this model asks: how much are all those future dividend payments worth today? Only works for stocks that pay dividends. Try the intrinsic value calculator →
$309.11
+40.8%Undervalued
Inputs used
PNC Fair Value
Current fundamentals: earnings, assets, and growth rate
Graham Number (Value Investing)
25% weightCreated by legendary investor Benjamin Graham. It looks at two things: how much the company earns (EPS) and what its assets are worth (Book Value), then calculates the maximum price a careful investor should pay. Try the fair value calculator →
$248.67
+13.3%Fair Value
Inputs used
PEG (Price/Earnings to Growth)
25% weightChecks if you're paying a fair price for the company's growth. A fast-growing company deserves a higher price than a slow one. This model finds the right price based on how fast earnings are growing.
$258.94
+18.0%Undervalued
Inputs used
What If You Change the Assumptions?
Drag the sliders to test different scenarios. Tap the ? buttons to learn what each input means.
Your DCF Fair Value
Current price $219.48 is 258.7% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $8.51B | $7.97B |
| Year 2 | $9.68B | $8.49B |
| Year 3 | $11.01B | $9.04B |
| Year 4 | $12.52B | $9.63B |
| Year 5 | $14.24B | $10.25B |
| Year 6 | $16.19B | $10.92B |
| Year 7 | $18.41B | $11.63B |
| Year 8 | $20.93B | $12.38B |
| Year 9 | $23.80B | $13.19B |
| Year 10 | $27.06B | $14.04B |
| Terminal Value | $648.28B | $336.44B |
What Are PNC's Key Financial Metrics?
Earnings & Growth
Current Price
$219.48
EPS (TTM)
$17.99
Forward P/E
10.2
Profit Margin
31.4%
Cash & Balance Sheet
Free Cash Flow
0
EBITDA
0
Book Value
$145.51
Total Debt
88B
What Do Analysts Say About PNC?
Low
$245.00
Average
$270.29
High
$290.00
Upside
+23.1%
PNC Fair Value FAQ
What is the fair value of PNC?
Based on our composite model (DCF 35%, Graham 25%, PEG 25%, DDM 15%), PNC's estimated fair value is $497.44. The stock is currently trading at $219.48, which makes it undervalued by our analysis.
How is PNC's fair value calculated?
We use four valuation methods: Discounted Cash Flow (DCF), Graham Number, PEG-based Fair Value, and Dividend Discount Model (for dividend-paying stocks). The composite score weights DCF at 35%, Graham and PEG at 25% each, and DDM at 15%. When a model can't be applied, its weight is redistributed proportionally.
Is PNC overvalued or undervalued?
Based on our analysis, PNC is undervalued. The current price of $219.48 is 126.6% below our estimated fair value of $497.44.
What do Wall Street analysts say about PNC?
21 analysts cover PNC Financial Services with a consensus rating of "Buy." The average price target is $270.29, ranging from $245.00 to $290.00. This implies 23.1% upside from the current price.