PNC dividend analysis

PNC dividend deep dive

PNC returns 3.40% per year through the dividend at the current $394.00 share price. The payout sits at 64% of trailing earnings, leaving 36% as retained capital — the standard line for evaluating dividend safety alongside the company's free-cash-flow trajectory.

Pillar mix backing the PNC dividend: Quality 69/100, Risk 28/100, and a payout-strain adjustment that lands the dividend safety at 63/100. The Risk pillar is the place to look first if leverage or earnings cyclicality is a concern.

Reinvested-distribution math on PNC at $394.00: holding yield (3.40%) and growth (13.4%) constant, the cumulative income compounds to roughly 20.8% over 5 years, 46.0% over 10, 113.1% over 20.

On the peer line for PNC: KO (5.00%), PG (1.50%), PEP (2.90%). The cohort-mean yield (3.13%) sets the baseline; the 3.40% read on PNC is 0.27 pp above that anchor.

For PNC cash-flow planning: ex-date 2026-03-01, settlement 2026-03-15, quarterly run-rate $3.350/share. Annualized: $13.40.

PNC synthesis: yield 3.40%, growth 13.4%, safety 63/100, payout 64%. The next earnings line will tell whether free-cash-flow conversion supports the current trajectory.