Mulya.ai
Ticker
PNC
Scenario
Key Inputs
Revenue est.?Analyst
OP margin est.?Analyst
Reinvestment est.?projected
R&D capitalizedNo
Leases factoredNo
Key Assumptions
WACC ?10.6%
ERP ?4.5%
Risk-free rate ?4.1%
Beta (blended) ?0.974
Beta (levered) ?1.511
Terminal OM% ?27.0%
Segment conc. ?55% dominant
Terminal growth ?4.1%
Bond rating ?CCC · 6.00%
ROIC option ?Opt 3 · 9.3%
Prob of failure ?0.0%
Pipeline validated · 2026-05-17

PNC · The PNC Financial Services Group, Inc.

$211.702026-05-17
Sector: Financial Services; Industry: Banks - Regional; Sub-Industry: Diversified Banks

Intrinsic Value Range Comparison · Mulya.ai

Bull
$455
+115.0% vs market
Base · active
$185
-12.8% vs market
Bear
$119
-44.0% vs market
Mulya.ai vs Analyst IV Comparison?
Bear $119
Base $185
Market $212
Median $240
Bull $455
Market Price $212
Mulya.ai Base $185
Analysts Median $240
Mulya.ai IV range ($119 · $455)
Analysts Range ($206 · $284)
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
2021.Q4$19.7B35.5%18.1%$5.7B$2.3B$8.0B7.3%0.0%−$127.3B$14.40
2022.Q4$23.5B19.5%31.8%18.2%$6.1B$1.8B$8.0B8.3%0.0%$26.0B$15.33
2023.Q4$31.9B35.5%21.1%16.2%$5.6B$2.7B$8.4B8.1%19.7%$31.3B$14.16
2024.Q4$33.7B5.6%21.5%17.8%$6.0B−$328MM$5.6B8.9%13.0%$60.5B$14.95
2025.Q4$34.0B0.9%25.0%17.5%$7.0B−$2.8B$4.2B9.3%10.1%$78.0B$17.609.8
italics below = DCF projection · 10yr Rev CAGR: 1%
2026.Q4$25.7B+-24.3%36.8%17.8%$7.8B$0MM$7.8B10.4%$7.1B10.0%$78.0B$19.7610.7
2027.Q4$27.0B+4.8%38.6%18.0%$8.5B$0MM$8.5B10.2%$7.0B10.9%$78.0B$21.679.8
2028.Q4$28.2B+4.4%38.6%18.3%$8.9B$0MM$8.9B10.0%$6.6B11.4%$78.0B$22.569.4
2029.Q4$29.4B+4.3%38.6%18.5%$9.2B$0MM$9.2B9.8%$6.3B11.8%$78.0B$23.459.0
2030.Q4$30.6B+4.2%38.6%18.8%$9.6B$0MM$9.6B9.7%$6.0B12.3%$78.0B$24.368.7
Term. Yr+$39.0B4.1%26.9%20.0%$8.4B−$3.7B$4.7B8.6%$41.9B9.3%
Active scenario IV: $185 (-12.8% vs market)