PNC Financial Services Group Inc (PNC)vsWalmart Inc. Common Stock (WMT)
PNC
PNC Financial Services Group Inc
$205.95
-0.19%
FINANCIAL SERVICES · Cap: $83.43B
WMT
Walmart Inc. Common Stock
$123.06
+0.83%
CONSUMER DEFENSIVE · Cap: $973.03B
Smart Verdict
WallStSmart Research — data-driven comparison
Walmart Inc. Common Stock generates 3095% more annual revenue ($713.16B vs $22.32B). PNC leads profitability with a 31.1% profit margin vs 3.1%. PNC appears more attractively valued with a PEG of 2.17. PNC earns a higher WallStSmart Score of 73/100 (B).
PNC
Strong Buy73
out of 100
Grade: B
WMT
Hold43
out of 100
Grade: D
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
-563.0%
Fair Value
$18.56
Current Price
$123.06
$104.50 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
Mega-cap, among the largest globally
Safe zone — low bankruptcy risk
Every $100 of equity generates 22 in profit
Generating 6.1B in free cash flow
Areas to Watch
Expensive relative to growth rate
Distress zone — elevated risk
Trading at 9.8x book value
3.1% margin — thin
Operating margin of 4.6%
Expensive relative to growth rate
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 : WMT
The strongest argument for WMT centers on Market Cap, Altman Z-Score, Return on Equity.
Bear Case : PNC
The primary concerns for PNC are PEG Ratio, Altman Z-Score.
Bear Case : WMT
The primary concerns for WMT are Price/Book, Profit Margin, Operating Margin. A P/E of 44.7x leaves little room for execution misses. Thin 3.1% margins leave little buffer for downturns.
Key Dynamics to Monitor
PNC profiles as a mature stock while WMT is a value 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.
WMT generates stronger free cash flow (6.1B), providing more financial flexibility.
Bottom Line
PNC scores higher overall (73/100 vs 43/100), backed by strong 31.1% margins. Both earn "Strong Buy" and "Hold" 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 →Walmart Inc. Common Stock
CONSUMER DEFENSIVE · DISCOUNT STORES · USA
Walmart Inc. is an American multinational retail corporation that operates a chain of hypermarkets, discount department stores, and grocery stores from the United States, headquartered in Bentonville, Arkansas. It also owns and operates Sam's Club retail warehouses.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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