Mulya.ai
Ticker
PNC
Scenario
Key Inputs
Revenue est.?Analysttaper yr3
OP margin est.?Analyst
Reinvestment est.?avg_lt_ttm
R&D capitalizedNo
Leases factoredNo
Key Assumptions
WACC ?9.9%
ERP ?4.5%
Risk-free rate ?4.1%
Beta (blended) ?0.918
Beta (levered) ?1.430
Terminal OM% ?27.0%
Segment conc. ?55% dominant
Terminal growth ?4.1%
Bond rating ?B- · 5.00%
ROIC option ?Opt 1 · 8.6%
Prob of failure ?0.0%
Pipeline validated · 2026-07-21

PNC · The PNC Financial Services Group, Inc.

$244.992026-07-21
Sector: Financial Services; Industry: Banks - Regional; Sub-Industry: Diversified Banks

Intrinsic Value Range Comparison · Mulya.ai

Bull
$648
+164.4% vs market
Base · active
$519
+111.9% vs market
Bear
$458
+87.0% vs market
Mulya.ai vs Analyst IV Comparison?
Market $245
Median $262
Bear $458
Base $519
Bull $648
Market Price $245
Mulya.ai Base $519
Analysts Median $262
Mulya.ai IV range ($458 · $648)
Analysts Range ($206 · $277)
Fundamentals · historical + forward · base
italics = DCF projection
PeriodRevenueRev Gr ?Ops M% ?Tax Rate ?NOPAT ?
Reinvest ?
FCFF ?WACC% ?PV FCFF ?ROIC ?Inv. Cap ?EPS ?P/E
2024.Q1$31.9B21.1%16.5%$5.6B$3.0B$8.6B9.0%10.6%$53.0B$13.57
2024.Q4$31.9B0.0%21.1%17.8%$5.5B−$328MM$5.2B8.9%9.8%$60.5B$13.57
2025.Q1$33.7B5.6%21.5%17.8%$6.0B−$2.6B$3.4B9.5%9.2%$68.6B$14.32
2025.Q4$33.7B0.0%21.5%17.5%$6.0B−$2.8B$3.2B9.3%8.1%$78.0B$14.32
2026.Q1$32.1B-4.9%27.5%17.6%$7.3B−$2.8B$4.4B8.7%63.4%−$55.0B$17.5511.4
italics below = DCF projection · 10yr Rev CAGR: 2%
2027.Q1$26.2B+-18.2%36.8%17.9%$7.9B$0MM$7.9B9.8%$7.2B0.0%−$55.0B$19.2712.7
2028.Q1$27.5B+5.1%37.9%18.1%$8.6B−$626MM$7.9B9.7%$6.6B0.0%−$54.4B$20.8011.8
2029.Q1$28.9B+5.0%39.8%18.4%$9.4B−$704MM$8.7B9.6%$6.6B0.0%−$53.7B$22.8510.7
2030.Q1$30.3B+4.8%39.8%18.6%$9.8B−$798MM$9.0B9.4%$6.2B0.0%−$52.9B$23.8810.3
2031.Q1$31.7B+4.7%39.8%18.8%$10.3B−$912MM$9.3B9.3%$5.9B0.0%−$52.0B$24.949.8
Term. Yr+$40.9B4.1%26.9%20.0%$8.8B−$4.2B$4.6B8.6%$42.2B8.6%
Active scenario IV: $519 (+111.9% vs market)