Profitability
Weight: 25%
C+
60
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 59.9%
- Efficiency Ratio Trend -0.08 pp/yr
PNC
The PNC Financial Services Group, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
B
73
- 5yr Avg ROE 11.3%
- 5yr Share-Count CAGR -1.6%
Growth Quality
Weight: 15%
B+
79
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 13.2%
- Efficiency Ratio Trend (growth quality check) -0.08 pp/yr
- Revenue-Growth Years (5) 5/5
Cash Generation
Weight: 15%
A-
84
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.02
Balance Sheet
Weight: 20%
A-
82
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 10.6%
Stability
Weight: 10%
B
71
- EPS Volatility (σ/μ) 0.28
- Negative-Revenue Years (5) 0/5
- Piotroski F-Score 6
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.4 of 5 gurus held; 2 added; 2 trimmed; 1 full exit.
- Holders
- 4 -1
- Avg Δ position
- -22.0%
- New buys
- 0
- Full exits
- 1