SPOT vs PNC

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

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

5-Year PerformanceSPOT has outperformed PNC, delivering a return of +14.8% compared to +10.2%

SPOT vs PNC - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	SPOT(COMPANY)	PNC(COMPANY)
Market Cap	$102B	$103B
Max Drawdown	80.51%	77.21%
Sharpe Ratio	-0.63	1.20
5Y Beta	0.93	0.86
Industry	Internet Content & Information	Banks - Regional
P/E Ratio	32.56	15.05
Forward P/E	33.90	13.81
PEG Ratio	0.22	1.04
Dividend Yield	N/A	2.71%
5Y Dividends CAGR	N/A	8.60%
5Y EPS CAGR	N/A	7.53%
Debt to Equity	5.94%	104.78%
Free Cash Flow Yield	3.67%	6.63%
P/S Ratio	5.69	4.39
P/B Ratio	10.84	1.60

Market Cap

SPOT

$102B

Winner

PNC

$103B

Max Drawdown

SPOT

80.51%

Winner

PNC

77.21%

Sharpe Ratio

SPOT

-0.63

Winner

PNC

1.20

5Y Beta

SPOT

0.93

Winner

PNC

0.86

Industry

SPOT

Internet Content & Information

PNC

Banks - Regional

P/E Ratio

SPOT

32.56

Winner

PNC

15.05

Forward P/E

SPOT

33.90

Winner

PNC

13.81

PEG Ratio

Winner

SPOT

0.22

PNC

1.04

Dividend Yield

SPOT

N/A

PNC

2.71%

5Y Dividends CAGR

SPOT

N/A

PNC

8.60%

5Y EPS CAGR

SPOT

N/A

PNC

7.53%

Debt to Equity

Winner

SPOT

5.94%

PNC

104.78%

Free Cash Flow Yield

SPOT

3.67%

Winner

PNC

6.63%

P/S Ratio

SPOT

5.69

Winner

PNC

4.39

P/B Ratio

SPOT

10.84

Winner

PNC

1.60

SPOT vs PNC - Historical Returns

Returns include dividend reinvestment.

Period	SPOT	PNC
1 month	+7.38%	+7.53%
3 months	-5.59%	+10.67%
6 months	-1.78%	+12.79%
1 year	-30.22%	+31.91%
5 years(CAGR)	+14.75%	+10.23%
10 years(CAGR)	+15.52%	+15.48%
Max(CAGR)	+15.52%	+8.79%

SPOT

+7.38%

Winner

PNC

+7.53%

SPOT

-5.59%

Winner

PNC

+10.67%

SPOT

-1.78%

Winner

PNC

+12.79%

SPOT

-30.22%

Winner

PNC

+31.91%

5Y(CAGR)

Winner

SPOT

+14.75%

PNC

+10.23%

10Y(CAGR)

Winner

SPOT

+15.52%

PNC

+15.48%

Max(CAGR)

Winner

SPOT

+15.52%

PNC

+8.79%

SPOT vs PNC - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	SPOT	PNC
2026	-14.22%	+21.19%
2025	+26.85%	+13.08%
2024	+136.96%	+28.05%
2023	+129.44%	+1.67%
2022	-67.66%	-21.57%
2021	-24.75%	+38.08%
2020	+107.53%	-3.18%
2019	+31.48%	+38.64%
2018	-23.83%	-17.17%
2017	N/A	+24.88%
2016	N/A	+28.68%
2015	N/A	+7.29%
2014	N/A	+21.86%
2013	N/A	+33.63%
2012	N/A	+1.28%
2011	N/A	-4.23%
2010	N/A	+14.25%
2009	N/A	+11.19%
2008	N/A	-21.07%
2007	N/A	-9.64%
2006	N/A	+20.24%
2005	N/A	+13.38%
2004	N/A	+9.40%
2003	N/A	+31.04%
2002	N/A	-21.98%
2001	N/A	-18.42%
2000	N/A	+79.64%
1999	N/A	-25.68%

SPOT vs PNC Drawdown Comparison

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

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

The current SPOT drawdown is -36.43%. The current PNC drawdown is -1.10%.

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