PNC vs SPOT

Comparison between PNC Financial Services Group Inc (PNC, Company) and Spotify Technology S.A. (SPOT, Company).

PNC is from the Financial Services sector, while SPOT is from the Communication Services sector.

5-Year PerformanceSPOT has outperformed PNC, delivering a return of +11.8% compared to +5.5%

PNC vs SPOT - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	PNC(COMPANY)	SPOT(COMPANY)
Market Cap	$90B	$89B
Max Drawdown	77.21%	80.51%
Sharpe Ratio	1.38	-0.91
5Y Beta	0.91	0.98
Industry	Banks - Regional	Internet Content & Information
P/E Ratio	13.18	28.40
Forward P/E	12.12	29.59
PEG Ratio	0.91	0.19
Dividend Yield	3.06%	N/A
5Y Dividends CAGR	12.80%	N/A
5Y EPS CAGR	7.53%	N/A
Debt to Equity	104.78%	5.94%
Free Cash Flow Yield	7.57%	4.19%
P/S Ratio	3.88	4.99
P/B Ratio	1.38	9.59

Market Cap

Winner

PNC

$90B

SPOT

$89B

Max Drawdown

Winner

PNC

77.21%

SPOT

80.51%

Sharpe Ratio

Winner

PNC

1.38

SPOT

-0.91

5Y Beta

Winner

PNC

0.91

SPOT

0.98

Industry

PNC

Banks - Regional

SPOT

Internet Content & Information

P/E Ratio

Winner

PNC

13.18

SPOT

28.40

Forward P/E

Winner

PNC

12.12

SPOT

29.59

PEG Ratio

PNC

0.91

Winner

SPOT

0.19

Dividend Yield

PNC

3.06%

SPOT

N/A

5Y Dividends CAGR

PNC

12.80%

SPOT

N/A

5Y EPS CAGR

PNC

7.53%

SPOT

N/A

Debt to Equity

PNC

104.78%

Winner

SPOT

5.94%

Free Cash Flow Yield

Winner

PNC

7.57%

SPOT

4.19%

P/S Ratio

Winner

PNC

3.88

SPOT

4.99

P/B Ratio

Winner

PNC

1.38

SPOT

9.59

PNC vs SPOT - Historical Returns

Returns include dividend reinvestment.

Period	PNC	SPOT
1 month	-1.02%	-13.52%
3 months	-9.31%	+0.72%
6 months	+19.54%	-32.27%
1 year	+34.43%	-36.23%
5 years(CAGR)	+5.52%	+11.78%
10 years(CAGR)	+13.47%	+13.58%
Max(CAGR)	+8.24%	+13.58%

Winner

PNC

-1.02%

SPOT

-13.52%

PNC

-9.31%

Winner

SPOT

+0.72%

Winner

PNC

+19.54%

SPOT

-32.27%

Winner

PNC

+34.43%

SPOT

-36.23%

5Y(CAGR)

PNC

+5.52%

Winner

SPOT

+11.78%

10Y(CAGR)

PNC

+13.47%

Winner

SPOT

+13.58%

Max(CAGR)

PNC

+8.24%

Winner

SPOT

+13.58%

PNC vs SPOT - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	PNC	SPOT
2026	+4.13%	-27.33%
2025	+13.08%	+26.85%
2024	+28.05%	+136.96%
2023	+1.67%	+129.44%
2022	-21.57%	-67.66%
2021	+38.08%	-24.75%
2020	-3.18%	+107.53%
2019	+38.64%	+31.48%
2018	-17.17%	-23.83%
2017	+24.88%	N/A
2016	+28.68%	N/A
2015	+7.29%	N/A
2014	+21.86%	N/A
2013	+33.63%	N/A
2012	+1.28%	N/A
2011	-4.23%	N/A
2010	+14.25%	N/A
2009	+11.19%	N/A
2008	-21.07%	N/A
2007	-9.64%	N/A
2006	+20.24%	N/A
2005	+13.38%	N/A
2004	+9.40%	N/A
2003	+31.04%	N/A
2002	-21.98%	N/A
2001	-18.42%	N/A
2000	+79.64%	N/A
1999	-25.68%	N/A

PNC vs SPOT Drawdown Comparison

The maximum drawdown for PNC was -76.64%, occurring on Mar 6, 2009. Recovery took 1200 trading sessions.

The maximum drawdown for SPOT was -80.51%, occurring on Nov 4, 2022. Recovery took 902 trading sessions.

The current PNC drawdown is -9.88%. The current SPOT drawdown is -46.15%.

Rank	PNC	SPOT
#1	-76.64% Sep 19, 2008 - Jun 27, 2013	-80.51% Feb 19, 2021 - Sep 20, 2024
#2	-49.65% Feb 12, 2001 - Nov 17, 2005	-46.80% Jun 26, 2025 - Feb 5, 2026
#3	-49.58% Dec 26, 2019 - Jan 6, 2021	-45.57% Jul 26, 2018 - Jun 17, 2020
#4	-47.97% Jan 13, 2022 - Nov 6, 2024	-24.54% Feb 13, 2025 - May 7, 2025
#5	-40.29% Nov 8, 1999 - Sep 8, 2000	-20.73% Sep 1, 2020 - Dec 2, 2020
#6	-31.14% Mar 9, 2018 - Dec 10, 2019	-14.49% Jul 20, 2020 - Sep 1, 2020
#7	-30.89% Apr 20, 2007 - Aug 5, 2008	-11.99% Jan 8, 2021 - Feb 16, 2021
#8	-29.79% Nov 27, 2024 - Dec 11, 2025	-11.76% May 2, 2018 - Jun 8, 2018
#9	-20.81% Aug 10, 2015 - Nov 9, 2016	-10.95% Dec 4, 2024 - Jan 24, 2025
#10	-17.21% Feb 6, 2026 - Mar 16, 2026	-9.41% Dec 10, 2020 - Jan 8, 2021
#11	-13.34% Oct 5, 2000 - Oct 30, 2000	-7.32% Jun 22, 2018 - Jul 11, 2018
#12	-12.32% Jul 3, 2014 - Dec 5, 2014	-7.09% Jul 10, 2020 - Jul 20, 2020
#13	-11.13% Nov 2, 2000 - Dec 11, 2000	-6.83% Apr 10, 2018 - Apr 18, 2018
#14	-11.09% Oct 25, 2021 - Jan 6, 2022	-5.64% May 7, 2025 - May 19, 2025
#15	-11.08% Mar 1, 2017 - Aug 1, 2017	-5.47% Sep 25, 2024 - Oct 22, 2024