C
PNC Financial Services Group, I — Earnings Quality Grade C
PNC · Financial Services
Some red flags
Revenue
$23.1B
2025
Net Income
$6.9B
2025
Gross Margin
—
Free Cash Flow
$4.4B
01
Screening Summary
6
Passed
2
Watch
1
Failed
—
M-Score
02
Financial Trends
Revenue & Net Income ($B)
Margins (%)
03
18-Point Screening
01
Revenue Quality
—
A1DSO Change
Insufficient data
—
A2AR vs Revenue Growth
Insufficient data
✗
A3Revenue vs CFFO
Revenue grew 10.9% but CFFO declined -44.4%
02
Expense Quality
✓
B1Inventory vs COGS
No material inventory
—
B2CapEx vs Revenue
Insufficient data
—
B3SG&A Ratio
Insufficient data
—
B4Gross Margin
Insufficient data
03
Cash Flow Quality
!
C1CFFO vs Net Income
CFFO/NI = 0.63. Below 1.0
✓
C2Free Cash Flow
FCF $4.4B, FCF/NI = 0.63
✓
C3Accruals Ratio
Accruals ratio = 0.4%. Low accruals
!
C4Cash vs Debt
Cash $39.7B covers 70% of debt $57.1B
04
Balance Sheet Health
✓
D1Goodwill + Intangibles
Goodwill+Intangibles $14.6B = 24% of equity. Manageable
—
D2Leverage
Insufficient data
—
D3Soft Asset Growth
Insufficient data
—
D4Asset Impairment
No write-off data
05
Acquisition Risk
✓
E1Serial Acquirer FCF
FCF after acquisitions positive
✓
E2Goodwill Surge
Goodwill+Intangibles change -0% YoY. Normal
06
Manipulation Score
—
F1Beneish M-Score
Insufficient data
Altman Z-Score — Not Applicable
PNC Financial Services Group, I is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-09