What Is PNC Fair Value?
PNC Financial Services (PNC) fair value estimate using multiple valuation models, updated daily.
As of July 16, 2026, PNC Financial Services (PNC) has a composite fair value estimate of $422.33 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $254.15, suggesting the stock is undervalued by 66.2%.
Data as of July 16, 2026 (today)
Composite Fair Value
Undervalued4 of 4 models$422.33
vs. current price of $254.15(+66.2%)
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 →
$617.25
+142.9%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 →
$299.34
+17.8%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 →
$246.15
-3.1%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.
$246.90
-2.9%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 $254.15 is 142.9% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $7.72B | $7.20B |
| Year 2 | $8.74B | $7.60B |
| Year 3 | $9.89B | $8.02B |
| Year 4 | $11.19B | $8.46B |
| Year 5 | $12.66B | $8.93B |
| Year 6 | $14.33B | $9.43B |
| Year 7 | $16.22B | $9.95B |
| Year 8 | $18.35B | $10.50B |
| Year 9 | $20.77B | $11.08B |
| Year 10 | $23.51B | $11.69B |
| Terminal Value | $509.21B | $253.32B |
What Are PNC's Key Financial Metrics?
Earnings & Growth
Current Price
$254.15
EPS (TTM)
$17.36
Forward P/E
12.0
Profit Margin
31.3%
Cash & Balance Sheet
Free Cash Flow
0
EBITDA
0
Book Value
$143.64
Total Debt
68.5B
What Do Analysts Say About PNC?
Low
$237.00
Average
$272.98
High
$305.00
Upside
+7.4%
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 $422.33. The stock is currently trading at $254.15, 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 $254.15 is 66.2% below our estimated fair value of $422.33.
What do Wall Street analysts say about PNC?
20 analysts cover PNC Financial Services with a consensus rating of "Buy." The average price target is $272.98, ranging from $237.00 to $305.00. This implies 7.4% upside from the current price.