Compare Stocks › ADBE vs PNC
Adobe Inc. (ADBE) vs The PNC Financial Services Group, Inc. (PNC)
ADBE
Adobe Inc.
$245.99
VS
PNC
The PNC Financial Services Group, Inc.
$202.05
Rewards
ADBE
- ★Adobe Inc. has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
- ★Gross margin of 89.4% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
- ★Adobe Inc. scores 100/100 on the Economic Moat Score (Wide Moat), with roic consistency as the strongest competitive dimension.
PNC
- ★Each dollar of retained earnings has created $1.87 of market value — management is creating shareholder value.
- ★PEG ratio of 0.42 suggests the stock is undervalued relative to its growth rate — paying less than 1x for each unit of earnings growth.
Risks
ADBE
PNC
- ⚠Gross margin of 0.0% is low, suggesting a competitive or commodity-like market with limited pricing power.
- ⚠The PNC Financial Services Group, Inc. scores only 15/100 on the Economic Moat Score, suggesting limited durable competitive advantages.
- ⚠Altman Z-Score of 0.29 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
Key Valuation Metrics
Learn more →ADBE
PNC
Valuation
$9.29B
Free Cash Flow
N/A
9.20%
FCF Yield
N/A
14.33
Trailing P/E
12.18
9.33
Forward P/E
9.78
Quality & Moat
40.36%
ROIC
11.39%
62.36%
ROE
N/A
89.40%
Gross Margin
0.00%
1.29
PEG Ratio
0.42
Balance Sheet Safety
0.58
Debt / Equity
N/A
N/A
Interest Coverage
N/A
-0.02
Net Debt / EBITDA
N/A
N/A
Dividend Yield
3.37%
ADBE: 2Ties: 2PNC: 2
ADBEPNC
Historical Fundamentals
Learn more →ADBE
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
PNC
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
$1 Retained Earnings Test
Learn more →ADBE
$-0.60
created per $1 retained over 3 years
Market Cap Declined
Σ Retained
$18.12B
Δ Market Cap
$-10.93B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
PNC
$1.87
created per $1 retained over 3 years
Value Creator
Σ Retained
$9.69B
Δ Market Cap
+$18.16B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Discounted Cash Flow (DCF) Analysis
Learn more →ADBE
48.4% Margin of Safety
Price is 48.4% below estimated fair value
Current Price: $245.99
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $477.11
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
PNC
40.9% Margin of Safety
Price is 40.9% below estimated fair value
Current Price: $202.05
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $341.82
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →ADBE
What growth rate is the market pricing in at $246?
+3.0%
Market-Implied Owner Earnings Growth
Standard FCF implies -0.7%
The market implies +3.0% Owner Earnings growth, below historical trends — potential opportunity.
Standard FCF implies a more demanding -0.7%, reflecting heavy growth investment expected to generate future returns.
PNC
Requires positive FCF to compute implied growth rate.
Economic Moat Score
Learn more →ADBE
100/100
Wide Moat
70+ Wide · 40-69 Narrow · <40 None
Wide moat with strength across all dimensions. ROIC Consistency is the standout factor.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
PNC
15/100
No Moat
70+ Wide · 40-69 Narrow · <40 None
No durable moat detected, though revenue predictability shows some competitive positioning. The business lacks consistent evidence of sustainable advantages.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 5 years of fundamental data.
Forensic Accounting
Learn more →ADBE
-2.85
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
PNC
-2.32
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Ownership Breakdown
Learn more →ADBE
Insiders 0.2%Institutions 87.8%Retail & Other 11.9%
No. of Institutional Holders3,534
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
PNC
Insiders 0.3%Institutions 84.8%Retail & Other 14.9%
No. of Institutional Holders2,358
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.
Insider Buying Activity
Learn more →ADBE
0
Buys (3M)
0
Buys (12M)
DURN DANIEL J
Chief Financial Officer
$507,758
@ $390.58 · 2025-03-20
RICKS DAVID A
Director
$998,946
@ $443.98 · 2025-01-28
Open market purchases · includes direct & indirect ownership · excludes option exercises
PNC
1
Buys (3M)
3
Buys (12M)
Total value (12M): $165,796
MEDLER LINDA R.
Director
$4,008
@ $200.40 · 2026-03-09
WIEDMAN MARK KENNETH
President
$3,568
@ $178.40 · 2025-05-20
PFINSGRAFF MARTIN
Director
$158,220
@ $158.22 · 2025-04-25
DACHILLE DOUGLAS A.
Director
$19,813
@ $198.13 · 2025-02-03
Open market purchases · includes direct & indirect ownership · excludes option exercises
Open market purchases · includes direct & indirect ownership · excludes option exercises.
Insider Selling Activity
Learn more →ADBE
1
Sells (3M)
3
Sells (12M)
Total value (12M): $711,495
DURN DANIEL J
Chief Financial Officer
$485,323
@ $294.85 · 2026-01-27
FORUSZ JILLIAN
Officer
$50,344
@ $337.88 · 2025-10-31
FORUSZ JILLIAN
Officer
$175,828
@ $380.58 · 2025-05-02
FORUSZ JILLIAN
Officer
$145,567
@ $435.83 · 2025-01-28
BELSKY SCOTT K
Officer
$2.05M
@ $431.61 · 2025-01-27
BANSE AMY L
Director
$333,300
@ $550.00 · 2024-12-06
FORUSZ JILLIAN
Officer
$327,987
@ $485.19 · 2024-10-29
BELSKY SCOTT K
Officer
$232,525
@ $483.42 · 2024-10-25
BELSKY SCOTT K
Officer
$1.14M
@ $511.48 · 2024-10-16
DURN DANIEL J
Chief Financial Officer
$3.35M
@ $515.44 · 2024-09-17
GARFIELD MARK S.
Officer
$52,089
@ $537.00 · 2024-07-25
BELSKY SCOTT K
Officer
$258,297
@ $537.00 · 2024-07-25
GARFIELD MARK S.
Officer
$85,255
@ $564.60 · 2024-07-16
BELSKY SCOTT K
Officer
$1.25M
@ $561.60 · 2024-07-16
RAO DANA J.D.
General Counsel
$3.56M
@ $525.51 · 2024-06-17
GARFIELD MARK S.
Officer
$138,735
@ $525.51 · 2024-06-17
GARFIELD MARK S.
Officer
$265,644
@ $447.97 · 2024-06-03
GARFIELD MARK S.
Officer
$389,630
@ $490.10 · 2024-05-06
BELSKY SCOTT K
Officer
$1.29M
@ $474.30 · 2024-05-02
GARFIELD MARK S.
Officer
$45,436
@ $468.41 · 2024-04-25
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
PNC
4
Sells (3M)
25
Sells (12M)
Total value (12M): $19.54M
DEMCHAK WILLIAM S
Chief Executive Officer
$11.54M
@ $230.88 · 2026-02-20
OVERSTROM ALEXANDER E. C.
Officer
$584,775
@ $233.91 · 2026-02-18
CESTELLO LOUIS ROBERT
Officer
$1.00M
@ $234.01 · 2026-02-18
BYNUM RICHARD KEVIN
Officer
$1.71M
@ $230.98 · 2026-02-17
THOMAS MICHAEL DUANE
Officer
$183,573
@ $183.57 · 2025-11-04
DEBORAH GUILD
Officer
$201,928
@ $186.97 · 2025-10-24
OVERSTROM ALEXANDER E. C.
Officer
$203,330
@ $203.33 · 2025-09-11
MEDLER LINDA R.
Director
$14,594
@ $205.55 · 2025-08-27
PARSLEY E. WILLIAM III
Officer
$1.35M
@ $176.00 · 2025-06-13
DEMCHAK WILLIAM S
Chief Executive Officer
$220,616
@ $177.63 · 2025-06-06
DEMCHAK WILLIAM S
Chief Executive Officer
$217,251
@ $174.92 · 2025-05-30
DEMCHAK WILLIAM S
Chief Executive Officer
$210,830
@ $169.75 · 2025-05-23
DEMCHAK WILLIAM S
Chief Executive Officer
$222,492
@ $179.14 · 2025-05-16
FALLON KIERAN JOHN
Officer
$260,444
@ $174.56 · 2025-05-12
DEMCHAK WILLIAM S
Chief Executive Officer
$207,153
@ $166.79 · 2025-05-09
DEMCHAK WILLIAM S
Chief Executive Officer
$202,645
@ $163.16 · 2025-05-02
DEMCHAK WILLIAM S
Chief Executive Officer
$96,160
@ $160.00 · 2025-04-28
DEMCHAK WILLIAM S
Chief Executive Officer
$101,566
@ $158.45 · 2025-04-25
DEMCHAK WILLIAM S
Chief Executive Officer
$192,320
@ $160.00 · 2025-04-23
DEMCHAK WILLIAM S
Chief Executive Officer
$96,470
@ $150.50 · 2025-04-21
DEMCHAK WILLIAM S
Chief Executive Officer
$96,554
@ $150.63 · 2025-04-11
DEMCHAK WILLIAM S
Chief Executive Officer
$96,160
@ $160.00 · 2025-04-09
DEMCHAK WILLIAM S
Chief Executive Officer
$99,528
@ $155.27 · 2025-04-04
DEMCHAK WILLIAM S
Chief Executive Officer
$217,077
@ $174.78 · 2025-03-28
DEMCHAK WILLIAM S
Chief Executive Officer
$213,624
@ $172.00 · 2025-03-21
DEMCHAK WILLIAM S
Chief Executive Officer
$212,568
@ $171.15 · 2025-03-14
DEMCHAK WILLIAM S
Chief Executive Officer
$222,107
@ $178.83 · 2025-03-07
DEMCHAK WILLIAM S
Chief Executive Officer
$236,204
@ $190.18 · 2025-02-28
DEMCHAK WILLIAM S
Chief Executive Officer
$239,023
@ $192.45 · 2025-02-21
DEMCHAK WILLIAM S
Chief Executive Officer
$243,606
@ $196.14 · 2025-02-14
DEMCHAK WILLIAM S
Chief Executive Officer
$251,642
@ $202.61 · 2025-02-07
DEMCHAK WILLIAM S
Chief Executive Officer
$251,021
@ $202.11 · 2025-01-31
DEMCHAK WILLIAM S
Chief Executive Officer
$243,643
@ $196.17 · 2025-01-24
DEMCHAK WILLIAM S
Chief Executive Officer
$245,916
@ $198.00 · 2025-01-17
DEMCHAK WILLIAM S
Chief Executive Officer
$239,557
@ $192.88 · 2025-01-10
DEMCHAK WILLIAM S
Chief Executive Officer
$238,650
@ $192.15 · 2025-01-03
DEMCHAK WILLIAM S
Chief Executive Officer
$240,476
@ $193.62 · 2024-12-27
DEMCHAK WILLIAM S
Chief Executive Officer
$235,098
@ $189.29 · 2024-12-20
DEMCHAK WILLIAM S
Chief Executive Officer
$252,201
@ $203.06 · 2024-12-13
DEMCHAK WILLIAM S
Chief Executive Officer
$259,876
@ $209.24 · 2024-12-06
DEMCHAK WILLIAM S
Chief Executive Officer
$268,284
@ $216.01 · 2024-11-29
JUCHNO STACY M
Officer
$425,300
@ $212.65 · 2024-11-25
DEMCHAK WILLIAM S
Chief Executive Officer
$255,827
@ $205.98 · 2024-11-22
DEMCHAK WILLIAM S
Chief Executive Officer
$258,485
@ $208.12 · 2024-11-15
DEMCHAK WILLIAM S
Chief Executive Officer
$253,120
@ $203.80 · 2024-11-08
DEMCHAK WILLIAM S
Chief Executive Officer
$235,359
@ $189.50 · 2024-11-01
DEMCHAK WILLIAM S
Chief Executive Officer
$236,315
@ $190.27 · 2024-10-25
PFINSGRAFF MARTIN
Director
$159,877
@ $186.12 · 2024-10-22
DEMCHAK WILLIAM S
Chief Executive Officer
$236,688
@ $190.57 · 2024-10-18
DEMCHAK WILLIAM S
Chief Executive Officer
$229,770
@ $185.00 · 2024-10-11
DEMCHAK WILLIAM S
Chief Executive Officer
$225,237
@ $181.35 · 2024-10-04
DEMCHAK WILLIAM S
Chief Executive Officer
$228,205
@ $183.74 · 2024-09-27
DEMCHAK WILLIAM S
Chief Executive Officer
$231,571
@ $186.45 · 2024-09-20
DEMCHAK WILLIAM S
Chief Executive Officer
$221,200
@ $178.10 · 2024-09-13
DEMCHAK WILLIAM S
Chief Executive Officer
$224,442
@ $180.71 · 2024-09-06
DEMCHAK WILLIAM S
Chief Executive Officer
$227,497
@ $183.17 · 2024-08-30
DEMCHAK WILLIAM S
Chief Executive Officer
$218,778
@ $176.15 · 2024-08-23
DEMCHAK WILLIAM S
Officer and Director
$213,376
@ $171.80 · 2024-08-16
DEMCHAK WILLIAM S
Chief Executive Officer
$211,277
@ $170.11 · 2024-08-09
DEMCHAK WILLIAM S
Chief Executive Officer
$215,884
@ $173.82 · 2024-08-02
LYONS MICHAEL P
President
$2.00M
@ $181.58 · 2024-07-31
DEMCHAK WILLIAM S
Chief Executive Officer
$224,156
@ $180.48 · 2024-07-26
DEMCHAK WILLIAM S
Chief Executive Officer
$219,424
@ $176.67 · 2024-07-19
DEMCHAK WILLIAM S
Chief Executive Officer
$208,035
@ $167.50 · 2024-07-12
DEMCHAK WILLIAM S
Chief Executive Officer
$384,640
@ $160.00 · 2024-07-09
DEMCHAK WILLIAM S
Chief Executive Officer
$101,342
@ $158.10 · 2024-07-05
DEMCHAK WILLIAM S
Chief Executive Officer
$98,124
@ $153.08 · 2024-06-28
DEMCHAK WILLIAM S
Chief Executive Officer
$98,195
@ $153.19 · 2024-06-21
DEMCHAK WILLIAM S
Chief Executive Officer
$96,195
@ $150.07 · 2024-06-14
BYNUM RICHARD KEVIN
Officer
$132,490
@ $155.87 · 2024-05-07
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.
🎭 Mr. Market's Mood
Learn more →ADBE
😨Fear(27/100)
"Market is pessimistic — investigate whether fears are temporary or structural"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
PNC
😐Neutral(48/100)
"Market is pricing this stock without strong emotion in either direction"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
⚖️ Buffett Signal
Learn more →ADBE
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Fear (27)
PNC
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Neutral (48)