PNC Financial Services Group Inc (PNC)vsVistra Energy Corp (VST)
PNC
PNC Financial Services Group Inc
$205.95
-0.19%
FINANCIAL SERVICES · Cap: $83.43B
VST
Vistra Energy Corp
$151.51
-0.79%
UTILITIES · Cap: $51.70B
Smart Verdict
WallStSmart Research — data-driven comparison
PNC Financial Services Group Inc generates 26% more annual revenue ($22.32B vs $17.74B). PNC leads profitability with a 31.1% profit margin vs 5.3%. VST appears more attractively valued with a PEG of 1.27. PNC earns a higher WallStSmart Score of 73/100 (B).
PNC
Strong Buy73
out of 100
Grade: B
VST
Buy53
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+73.5%
Fair Value
$776.41
Current Price
$205.95
$570.46 discount
Margin of Safety
-980.6%
Fair Value
$14.82
Current Price
$151.51
$136.69 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Large-cap with strong market position
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Trading at 19.5x book value
5.3% margin — thin
Weak financial health signals
Premium valuation, high expectations priced in
Comparative Analysis Report
WallStSmart ResearchBull 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%.
Bull Case : VST
The strongest argument for VST centers on Market Cap. Revenue growth of 13.6% demonstrates continued momentum. PEG of 1.27 suggests the stock is reasonably priced for its growth.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Bear Case : VST
The primary concerns for VST are Price/Book, Profit Margin, Piotroski F-Score. A P/E of 70.1x leaves little room for execution misses. Debt-to-equity of 3.36 is elevated, increasing financial risk.
Key Dynamics to Monitor
PNC profiles as a mature stock while VST is a value play — different risk/reward profiles.
VST carries more volatility with a beta of 1.45 — expect wider price swings.
VST is growing revenue faster at 13.6% — 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 53/100), backed by strong 31.1% margins. 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.
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 →Vistra Energy Corp
UTILITIES · UTILITIES - INDEPENDENT POWER PRODUCERS · USA
Vistra Corp. The company is headquartered in Irving, Texas.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?