PNC Financial Services

PNCUS — S&P 100Dividend

↓ Hajras full report

Fairly valued

Current price230.56USD

Fair value (est., median)230.38USD

UndervaluedFair valueOvervalued

+0.1% above fair valueTrading close to fair value.

Health Check

53.8

Overall / 100

Good (66+)Caution (40–65)Risk (<40)

Value49.9/100

Trades roughly in line with its estimated fair value.

Discount to fair value: -0.1%
Price to book: 1.53×
Fair-value confidence: —

Future40/100

Modest growth of about 8% a year is expected.

Forecast growth (rev.): 8%
Revenue CAGR (18y): 7.9%
Earnings CAGR (18y): —

Past32.2/100

Patchy track record — earnings have been inconsistent.

Return on equity: 10.9%
Net margin: 28.5%
Earnings CAGR (18y): —
Profitable years: 4/19

Health77/100

Balance sheet is manageable.

Debt to equity: 94.2%
Net debt to equity: 28.7%
Cash covers total debt: No
Free cash flow: Positive

Dividend70/100

Yields 3.01%, paying out 42.4% of earnings.

Dividend yield: 3.01%
Payout ratio: 42.4%
Covered by free cash flow: Yes
Years paying: 19
Dividend growth: —

Rewards

Healthy balance sheet.
Attractive, covered dividend (3.01%).

Risks

—

Scores are computed automatically from the real financial statements (Value from fair value; the rest from growth, profitability, balance sheet and dividends). A decision aid, not investment advice.

Price, corporate actions & news

Demo series

Daily MA

Weekly MA

D — DividendS — Split▲ good · ▼ bad newstap a marker for details

Growth & profitability

Revenue, net income and margin.

RevenueNet incomeNet margin %tap a bar for figures

Key figures

Metric	FY'21	FY'22	FY'23	FY'24	FY'25
Revenue	19.21B	21.12B	21.50B	21.18B	23.09B
Net Income	0	5.71B	5.13B	5.50B	6.58B
Net Margin	—	27.0%	23.8%	25.9%	28.5%
Operating Cash Flow	7.21B	9.08B	10.11B	7.88B	4.38B
OCF Margin	37.6%	43.0%	47.0%	37.2%	19.0%
Capital Expenditure	0	0	0	0	0
Free Cash Flow	7.21B	9.08B	10.11B	7.88B	4.38B
FCF Margin	37.6%	43.0%	47.0%	37.2%	19.0%
FCF Conversion	—	159.1%	197.2%	143.4%	66.7%
EPS (Diluted)	0.00/sh	14.21/sh	12.77/sh	13.69/sh	16.38/sh
Dividend / Share	5.12/sh	6.33/sh	6.65/sh	6.76/sh	6.95/sh

Dividend return (if you buy today)if you buy today

Dividend yield3.01%

Dividend / share6.95 USD

If you invest

USD

Shares (≈)43

Est. annual income298.65 USD

At this rate, dividends alone return your capital in ~33.2 years.

Dividend history

Dividend / share & historical yield (USD).

Dividend / share yield %tap a bar for figures

Quarterly dividends & yield

Per-share dividends by quarter, full-year total, and yield on the year's average price · USD

Year	Q1	Q2	Q3	Q4	Full year	Yield (avg)
2026	1.70	1.70	—	—	3.40	1.5%
2025	1.60	1.60	1.70	1.70	6.95	3.7%
2024	1.55	1.55	1.60	1.60	6.76	3.7%
2023	1.50	1.50	1.55	1.55	6.65	5.0%
2022	1.25	1.50	1.50	1.50	6.33	3.8%
2021	1.15	1.15	1.25	1.25	5.12	2.6%
2020	1.15	1.15	1.15	1.15	4.93	4.2%
2019	0.95	0.95	1.15	1.15	4.72	3.3%
2018	—	—	—	—	3.99	2.9%
2017	—	—	—	—	3.15	2.3%
2016	—	—	—	—	2.64	2.7%
2015	—	—	—	—	2.58	2.8%
2014	—	—	—	—	2.49	3.0%
2013	—	—	—	—	2.27	3.1%
2012	—	—	—	—	2.04	3.3%
2011	—	—	—	—	1.50	2.6%
2010	—	—	—	—	0.51	0.8%
2009	0.66	0.10	0.10	0.10	1.07	2.4%
2008	—	—	—	—	2.25	3.7%
2007	—	—	—	—	2.01	2.9%
2006	0.50	0.55	0.55	0.55	2.15	3.0%
2005	0.50	0.50	0.50	0.50	2.00	3.4%
2004	0.50	0.50	0.50	0.50	2.00	3.8%
2003	0.48	0.48	0.48	0.50	1.94	3.8%
2002	0.48	0.48	0.48	0.48	1.92	4.2%
2001	0.48	0.48	0.48	0.48	1.92	3.1%
2000	0.45	0.45	0.45	0.48	1.83	3.1%
1999	0.41	0.41	0.41	0.45	1.68	3.1%
1998	0.39	0.39	0.39	0.41	1.58	2.9%
1997	0.37	0.37	0.37	0.39	1.50	3.2%
1996	0.35	0.35	0.35	0.37	1.42	4.2%
1995	0.35	0.35	0.35	0.35	1.40	5.3%
1994	0.32	0.32	0.32	0.35	1.31	5.1%
1993	0.29	0.29	0.29	0.32	1.19	4.0%
1992	0.27	0.27	0.27	0.29	1.10	4.0%
1991	0.27	—	0.27	0.27	0.81	4.0%
1990	0.27	0.27	0.27	0.27	1.08	8.5%
1989	0.24	0.27	0.27	0.27	1.05	4.8%
1988	0.21	0.24	0.24	0.24	0.93	4.3%
1987	0.19	0.21	0.21	0.21	0.82	3.8%
1986	—	—	—	0.19	0.19	0.9%

Corporate actions

DCash Dividend

1.70 USD /sh2026-04-14

DCash Dividend

1.70 USD /sh2026-01-20

DCash Dividend

1.70 USD /sh2025-10-14

DCash Dividend

1.70 USD /sh2025-07-15

DCash Dividend

1.60 USD /sh2025-04-16

DCash Dividend

1.60 USD /sh2025-01-15

DCash Dividend

1.60 USD /sh2024-10-16

DCash Dividend

1.60 USD /sh2024-07-15

DCash Dividend

1.55 USD /sh2024-04-12

DCash Dividend

1.55 USD /sh2024-01-12

Shariah compliance

Non-compliant

AAOIFI-style financial screens on the latest annual figures.

Business activityImpermissible sector (banking / insurance)

Interest-bearing debt / market cap

61.7% · cap 30%

Fail

Cash & securities / market cap

Cash screen not assessed — no interest-bearing-securities line and no sourced threshold.

Not assessed

Non-compliant income / revenue

Impure-income screen needs the company's filing — not assessed yet.

Not assessed

Receivables test

No receivables or total-assets field — not assessed.

Not assessed

Net debt / equity (context)28.7%

Al-Maqased opinionForbidden activity

Source: Maktab Al-Maqased (Sh. Al-Osaimi) — Annual Report FY2024

Measurable on 1 of 4 AAOIFI ratios; 3 not in this dataset.

Screening estimate, not a fatwa — we never pass a ratio without showing it. Verify with a qualified Shariah board.

Zakat estimator

Zakat due on a shareholding at today's price.

Zakat per share

2.4724 USD

Zakatable base / share

98.90 USD

Shares you hold

Zakat rate

Holding value

23,056 USD

Zakat due

247.24 USD

Long-term base uses cash & equivalents only (receivables and inventory are not in our data), so it understates zakat.

Zakat is due only after one full lunar year of ownership (hawl).

Estimate only, not a ZATCA filing — zakat on shares depends on intent (trading vs long-term). Consult a specialist.

PNC Financial Services

Health Check

Price, corporate actions & news

Growth & profitability

Dividend return (if you buy today)if you buy today

Dividend history

Quarterly dividends & yield

Corporate actions

Valuation breakdown

Wealth simulator

Community Notes0

Shariah compliance

Zakat estimator