What Is PNC Fair Value?
PNC Financial Services (PNC) fair value estimate using multiple valuation models, updated daily.
As of August 29, 2026, PNC Financial Services (PNC) has a composite fair value estimate of $487.36 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $242.22, suggesting the stock is undervalued by 101.2%.
Data as of August 29, 2026 (today)
Composite Fair Value
Undervalued4 of 4 models$487.36
vs. current price of $242.22(+101.2%)
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 →
$761.60
+214.4%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 →
$318.20
+31.4%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 →
$248.76
+2.7%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.
$255.35
+5.4%Fair Value
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 $242.22 is 214.4% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $8.50B | $7.96B |
| Year 2 | $9.65B | $8.45B |
| Year 3 | $10.95B | $8.98B |
| Year 4 | $12.43B | $9.55B |
| Year 5 | $14.11B | $10.14B |
| Year 6 | $16.02B | $10.78B |
| Year 7 | $18.18B | $11.45B |
| Year 8 | $20.64B | $12.17B |
| Year 9 | $23.42B | $12.93B |
| Year 10 | $26.59B | $13.74B |
| Terminal Value | $630.39B | $325.79B |
What Are PNC's Key Financial Metrics?
Earnings & Growth
Current Price
$242.22
EPS (TTM)
$18.07
Forward P/E
11.3
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
$251.00
Average
$277.73
High
$305.00
Upside
+14.7%
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 $487.36. The stock is currently trading at $242.22, 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 $242.22 is 101.2% below our estimated fair value of $487.36.
What do Wall Street analysts say about PNC?
20 analysts cover PNC Financial Services with a consensus rating of "." The average price target is $277.73, ranging from $251.00 to $305.00. This implies 14.7% upside from the current price.