Using the PEG framework with analyst consensus forward EPS growth of 14.2% plus 3.2% dividend yield, The PNC Financial Services Group, Inc. has a fair value of $257.92 based on NTM EPS (FY2026) of $18.22. The current PEG ratio is 0.80.
PEG < 1 = bargain, 1–1.5 = fair, > 2 = expensive.
PEG works well for steady growers with predictable earnings.
| EPS Growth RateForward | 11.0% |
| Dividend Yield | +3.2% |
| Adjusted Growth (clamped 8–25%) | 14.2% |
| Fair P/E | 14.2x |
| NTM EPS (FY2026) | $18.22 |
| Fair Value | $257.92 |
| Period | EPS Est. | Growth | Analysts |
|---|---|---|---|
| FY2025 (actual) | $16.59 | — | — |
| FY2026E | $18.22 | +9.8% | 7 |
| FY2027E | $20.77 | +14.0% | 7 |
| FY2028E | $22.68 | +9.2% | 3 |
3Y Forward EPS CAGR: 11.0%
| Year | Net Income | EPS | YoY |
|---|---|---|---|
| FY2021 | $5.7B | $12.70 | — |
| FY2022 | $6.0B | $13.85 | +9.1% |
| FY2023 | $5.6B | $12.79 | -7.7% |
| FY2024 | $5.9B | $13.74 | +7.4% |
| FY2025 | $6.9B | $16.59 | +20.7% |
4Y Historical EPS CAGR: 6.9%
The PEG Fair Value uses the Price/Earnings-to-Growth framework. A stock is fairly valued when its P/E ratio equals its earnings growth rate (PEG = 1.0). This model adds dividend yield to the growth rate per the original PEGY formula.
Growth rate priority: analyst consensus forward EPS CAGR (when ≥ 3 analysts cover the stock), falling back to historical EPS CAGR. Using EPS rather than net income avoids distortion from share buybacks. The growth rate is clamped between 8% and 25% — below 8% would undervalue stable earners, while above 25% would overvalue unsustainable spikes.