Axos Financial Inc (AX)vsPNC Financial Services Group Inc (PNC)
AX
Axos Financial Inc
$85.69
+1.44%
FINANCIAL SERVICES · Cap: $4.79B
PNC
PNC Financial Services Group Inc
$205.95
-0.19%
FINANCIAL SERVICES · Cap: $83.43B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 1662% more annual revenue ($22.32B vs $1.27B). AX leads profitability with a 36.0% profit margin vs 31.1%. AX appears more attractively valued with a PEG of 0.95. AX earns a higher WallStSmart Score of 83/100 (A-).
AX
Exceptional Buy83
out of 100
Grade: A-
PNC
Strong Buy73
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+72.7%
Fair Value
$347.35
Current Price
$85.69
$261.66 discount
Margin of Safety
+73.5%
Fair Value
$776.41
Current Price
$205.95
$570.46 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 50.6%
Growing faster than its price suggests
Reasonable price relative to book value
Revenue surging 21.8% year-over-year
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 39.3%
Large-cap with strong market position
Attractively priced relative to earnings
Earnings expanding 29.1% YoY
Areas to Watch
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : AX
The strongest argument for AX centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 36.0% and operating margin at 50.6%. Revenue growth of 21.8% demonstrates continued momentum.
Bull Case : PNC
The strongest argument for PNC centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 31.1% and operating margin at 39.3%.
Bear Case : AX
The primary concerns for AX are Altman Z-Score.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
AX profiles as a growth stock while PNC is a mature play — different risk/reward profiles.
AX carries more volatility with a beta of 1.29 — expect wider price swings.
AX is growing revenue faster at 21.8% — sustainability is the question.
PNC generates stronger free cash flow (2.3B), providing more financial flexibility.
Bottom Line
AX scores higher overall (83/100 vs 73/100), backed by strong 36.0% margins and 21.8% revenue growth. PNC offers better value entry with a 73.5% margin of safety. Both earn "Exceptional Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Axos Financial Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Axos Financial, Inc. offers commercial and consumer banking products in the United States. The company is headquartered in Las Vegas, Nevada.
Visit Website →PNC Financial Services Group Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
PNC Financial Services Group, Inc. (stylized as PNC) is a bank holding company and financial services corporation based in Pittsburgh, Pennsylvania. Its banking subsidiary, PNC Bank, operates in 21 states and the District of Columbia with 2,296 branches and 9,051 ATMs. The company also provides financial services such as asset management, wealth management, estate planning, loan servicing, and information processing.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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