COMP <GO>
PNC vs USB // EV/EBITDA & P/E VALUATION
PNC Financial Services Group Inc. (NYSE) VS. U.S. Bancorp (NYSE) • 15-METRIC TALLY: PNC 2
— USB 10
▲ EV/EBITDA & P/E VALUATION LEADER: USB
LAST: $227.86 (-1.71%) • MKT CAP: $92.49B
valuation
58.3x
LAST: $59.45 (-1.96%) • MKT CAP: $94.48B
valuation
26.6x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PNC VS. USB)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PNC | USB | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 1.20% | 3.00% | -1.80 | USB | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | 58.3x | 26.6x | +31.70 | USB | /valuation <GO> |
| Free Cash Flow Yield | 3.62% | 7.07% | -3.45 | USB | /fcf-yield <GO> |
| Operating Margin | 13.90% | 32.20% | -18.30 | USB | /operating-margins <GO> |
| Net Profit Margin | 10.90% | 26.40% | -15.50 | USB | /net-margins <GO> |
| Revenue Growth (YoY) | 7.20% | 4.40% | +2.80 | PNC | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.85% | 3.35% | -0.50 | USB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 8/9 | -1.00 | USB | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 60.0 | 58.2 | +1.80 | PNC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.89 | 0.96 | -0.07 | USB | /macro-sensitivity <GO> |
| Forward P/E Multiple | 34.2x | 11.6x | +22.60 | USB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $92.49B | $94.48B | -$1.99B | USB | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PNC REV | USB REV | PNC GROSS % | USB GROSS % | PNC FCF | USB FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $23.10B | $28.66B | — | — | $3.34B | $6.68B |
| FY 2024 | $21.55B | $27.45B | — | — | $6.91B | $10.11B |
| FY 2023 | $21.49B | $28.14B | — | — | $9.14B | $7.13B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PNC // BETA 0.89
USB // BETA 0.96