Intel Corporation (INTC) vs The PNC Financial Services Group, Inc. (PNC) Stock Comparison

Compare Stocks › INTC vs PNC

INTC

Intel Corporation

$46.18

PNC

The PNC Financial Services Group, Inc.

$202.05

Rewards

INTC

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

INTC

⚠Intel Corporation scores only 17/100 on the Economic Moat Score, suggesting limited durable competitive advantages.

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

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INTC

PNC

Valuation

$-4.50B

Free Cash Flow

N/A

-1.95%

FCF Yield

N/A

Trailing P/E

12.18

46.59

Forward P/E

9.78

Quality & Moat

1.24%

ROIC

11.39%

-0.21%

ROE

N/A

36.56%

Gross Margin

0.00%

N/A

PEG Ratio

0.42

Balance Sheet Safety

0.37

Debt / Equity

N/A

Interest Coverage

N/A

0.77

Net Debt / EBITDA

N/A

Dividend Yield

3.37%

INTC: 1Ties: 1PNC: 2

INTCPNC

Historical Fundamentals

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INTC

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.

$1 Retained Earnings Test

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INTC

N/A

Net losses over 3 years — test not applicable

Company had negative cumulative retained earnings

Σ Retained

$-22.02B

Δ Market Cap

+$74.94B

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

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

Discounted Cash Flow (DCF) Analysis

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INTC

Insufficient Data

Enter initial FCF to calculate intrinsic value

Current Price: $46.18

Strongly undervalued

Strongly overvalued

Fair Value: $0.00

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

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INTC

Requires positive FCF to compute implied growth rate.

PNC

Requires positive FCF to compute implied growth rate.

Economic Moat Score

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INTC

17/100

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.

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.

Forensic Accounting

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INTC

-2.59

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

Ownership Breakdown

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INTC

Insiders 4.4%Institutions 62.0%Retail & Other 33.6%

No. of Institutional Holders3,156

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. Institutional concentration can indicate smart-money conviction but also crowding risk.

Insider Buying Activity

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INTC

Buys (3M)

Buys (12M)

Total value (12M): $249,985

ZINSNER DAVID A

Chief Financial Officer

$249,985

@ $42.50 · 2026-01-26

GELSINGER PATRICK P

Chief Executive Officer

$251,198

@ $22.53 · 2024-11-04

GELSINGER PATRICK P

Chief Executive Officer

$251,946

@ $20.16 · 2024-08-05

GELSINGER PATRICK P

Chief Executive Officer

$124,173

@ $30.29 · 2024-05-01

GELSINGER PATRICK P

Chief Executive Officer

$125,674

@ $31.42 · 2024-04-29

Open market purchases · includes direct & indirect ownership · excludes option exercises

PNC

Buys (3M)

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

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INTC

Sells (3M)

Sells (12M)

Total value (12M): $981,000

MILLER BOISE APRIL

Officer

$981,000

@ $49.05 · 2026-02-02

HOLTHAUS MICHELLE JOHNSTON

General Counsel

$650,000

@ $26.00 · 2024-11-07

Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives

PNC

Sells (3M)

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

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INTC

😐Neutral(53/100)

"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.

PNC

😐Neutral(48/100)

"Market is pricing this stock without strong emotion in either direction"

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

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INTC

⚪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 (53)

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)

View INTC Full Analysis View PNC Full Analysis