WallStSmart

Becton Dickinson and Company (BDX)vsPNC Financial Services Group Inc (PNC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

PNC Financial Services Group Inc generates 2% more annual revenue ($22.32B vs $21.92B). PNC leads profitability with a 31.1% profit margin vs 8.0%. BDX appears more attractively valued with a PEG of 1.16. PNC earns a higher WallStSmart Score of 73/100 (B).

BDX

Buy

61

out of 100

Grade: C+

Growth: 5.3Profit: 5.5Value: 10.0Quality: 6.5
Piotroski: 6/9Altman Z: 1.49

PNC

Strong Buy

73

out of 100

Grade: B

Growth: 7.3Profit: 7.5Value: 10.0Quality: 5.0
Piotroski: 5/9Altman Z: 0.15
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

BDXUndervalued (+36.9%)

Margin of Safety

+36.9%

Fair Value

$286.42

Current Price

$158.27

$128.15 discount

UndervaluedFair: $286.42Overvalued
PNCUndervalued (+73.5%)

Margin of Safety

+73.5%

Fair Value

$776.41

Current Price

$205.95

$570.46 discount

UndervaluedFair: $776.41Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BDX3 strengths · Avg: 8.3/10
Market CapQuality
$56.49B9/10

Large-cap with strong market position

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

EPS GrowthGrowth
28.6%8/10

Earnings expanding 28.6% YoY

PNC6 strengths · Avg: 9.2/10
Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Profit MarginProfitability
31.1%10/10

Keeps 31 of every $100 in revenue as profit

Operating MarginProfitability
39.3%10/10

Strong operational efficiency at 39.3%

Market CapQuality
$83.43B9/10

Large-cap with strong market position

P/E RatioValuation
12.4x8/10

Attractively priced relative to earnings

EPS GrowthGrowth
29.1%8/10

Earnings expanding 29.1% YoY

Areas to Watch

BDX4 concerns · Avg: 3.3/10
P/E RatioValuation
25.5x4/10

Moderate valuation

Revenue GrowthGrowth
1.6%4/10

1.6% revenue growth

Return on EquityProfitability
7.0%3/10

ROE of 7.0% — below average capital efficiency

Altman Z-ScoreHealth
1.492/10

Distress zone — elevated risk

PNC2 concerns · Avg: 3.0/10
PEG RatioValuation
2.174/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.152/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : BDX

The strongest argument for BDX centers on Market Cap, Price/Book, EPS Growth. PEG of 1.16 suggests the stock is reasonably priced for its growth.

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 : BDX

The primary concerns for BDX are P/E Ratio, Revenue Growth, Return on Equity.

Bear Case : PNC

The primary concerns for PNC are PEG Ratio, Altman Z-Score.

Key Dynamics to Monitor

BDX profiles as a value stock while PNC is a mature play — different risk/reward profiles.

PNC carries more volatility with a beta of 0.97 — expect wider price swings.

PNC is growing revenue faster at 9.6% — sustainability is the question.

PNC generates stronger free cash flow (2.3B), providing more financial flexibility.

Bottom Line

PNC scores higher overall (73/100 vs 61/100), backed by strong 31.1% margins. BDX offers better value entry with a 36.9% margin of safety. Both earn "Strong Buy" and "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.

Becton Dickinson and Company

HEALTHCARE · MEDICAL INSTRUMENTS & SUPPLIES · USA

Becton, Dickinson and Company, also known as BD, is an American multinational medical technology company that manufactures and sells medical devices, instrument systems, and reagents. BD also provides consulting and analytics services in certain geographies.

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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.

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