PNC · Pnc Financial Services Group, Inc. - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

Price · PNC

1Y 3Y 5Y Max

Annual Quarterly

Income Statement

Line item	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$23.10B	$21.55B	$21.49B	$21.12B	$19.21B	$16.90B
Cost of Revenue	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-
R&D	-	-	-	-	-	-
SG&A	-	-	-	-	-	-
Total Operating Expenses	-	-	-	-	-	-
D&A	$381.00M	$259.00M	$1.15B	$1.14B	$1.07B	$983.00M
Operating Income	$8.49B	$7.24B	$6.74B	$7.47B	$6.99B	$3.43B
Interest Expense	-	-	$10.39B	$2.42B	$487.00M	$1.36B
Income Tax	$1.49B	$1.29B	$1.09B	$1.36B	$1.26B	$426.00M
Net Income	$6.58B	$5.50B	$5.13B	$5.71B	$5.41B	$2.72B
EPS - Basic	$16.60	$13.76	$12.80	$13.86	$12.71	$16.99
EPS - Diluted	$16.59	$13.74	$12.79	$13.85	$12.70	$16.96

Balance Sheet

Line item	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Cash & Equivalents	$39.71B	$46.25B	$6.92B	$7.04B	$8.00B	$5.25B
Accounts Receivable	-	-	-	-	-	-
Inventory	-	-	-	-	-	-
Accounts Payable	-	-	-	-	-	-
Current Assets	-	-	-	-	-	-
Total Assets	$573.57B	$560.04B	$561.58B	$557.26B	$557.19B	$466.68B
Current Liabilities	-	-	-	-	-	-
Long-term Debt	$57.10B	$61.67B	$72.74B	$58.73B	-	-
Total Liabilities	$512.94B	$505.57B	$510.44B	$511.45B	$501.46B	$412.64B
Stockholders' Equity	$60.59B	$54.42B	$51.10B	$45.77B	$55.70B	$54.01B
Retained Earnings	$63.27B	$59.28B	$56.29B	$53.57B	$50.23B	$46.85B

Cash Flow

Line item	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Operating Cash Flow	$4.38B	$7.88B	$10.11B	$9.08B	$7.21B	$4.66B
Investing Cash Flow	($15.62B)	($3.23B)	($6.38B)	($13.43B)	($2.79B)	($51.12B)
Financing Cash Flow	$4.70B	($9.12B)	($3.85B)	$3.38B	($3.43B)	$48.42B
CapEx	-	-	-	-	-	-
Free Cash Flow	-	-	-	-	-	-

Ratios

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Profitability
Gross margin	-	-	-	-	-	-
Operating margin	36.7%	33.6%	31.3%	35.4%	36.4%	20.3%
EBITDA margin	38.4%	34.8%	36.7%	40.8%	41.9%	26.1%
Net margin	28.5%	25.5%	23.9%	27.0%	28.2%	16.1%
Free cash flow margin	-	-	-	-	-	-
FCF / Net income	-	-	-	-	-	-
R&D / Revenue	-	-	-	-	-	-
SG&A / Revenue	-	-	-	-	-	-
Effective tax rate	18.5%	19.0%	17.5%	19.2%	18.9%	13.6%
Return on assets	1.1%	1.0%	0.9%	1.0%	1.0%	0.6%
Return on equity	10.9%	10.1%	10.0%	12.5%	9.7%	5.0%
Return on invested capital	5.9%	5.1%	4.5%	5.8%	-	-
Liquidity
Current ratio	-	-	-	-	-	-
Quick ratio	-	-	-	-	-	-
Cash ratio	-	-	-	-	-	-
Leverage
Debt / Equity	0.94	1.13	1.42	1.28	-	-
Debt / Assets	0.10	0.11	0.13	0.11	-	-
Debt / EBITDA	6.44	8.22	9.22	6.82	-	-
Interest coverage	-	-	0.6x	3.1x	14.3x	2.5x
Equity multiplier	9.47	10.29	10.99	12.17	10.00	8.64
Liabilities / Assets	0.89	0.90	0.91	0.92	0.90	0.88
Efficiency
Asset turnover	0.04	0.04	0.04	0.04	0.03	0.04
Inventory turnover	-	-	-	-	-	-
Days sales outstanding	-	-	-	-	-	-
Days inventory outstanding	-	-	-	-	-	-
Days payable outstanding	-	-	-	-	-	-
Cash conversion cycle	-	-	-	-	-	-
Valuation
P / E	12.6x	14.0x	12.1x	11.4x	15.8x	8.8x
P / B	1.4x	1.4x	1.2x	1.4x	1.5x	1.2x
P / S	3.6x	3.6x	2.9x	3.1x	4.4x	3.8x
EV / EBITDA	11.3x	12.3x	16.2x	13.6x	9.6x	13.2x
Growth
Revenue growth (YoY)	7.2%	0.3%	1.8%	9.9%	13.7%	3.5%
Revenue CAGR (3y)	3.0%	3.9%	8.3%	9.0%	3.9%	1.2%
Revenue CAGR (5y)	6.4%	5.7%	4.6%	5.3%	4.8%	2.1%
Gross profit growth (YoY)	-	-	-	-	-	-
Operating income growth (YoY)	17.2%	7.5%	-9.9%	6.9%	103.8%	-47.1%
Net income growth (YoY)	19.7%	7.2%	-10.2%	5.5%	99.2%	-46.8%
EPS growth (YoY)	20.7%	7.4%	-7.7%	9.1%	-25.1%	48.9%
EPS CAGR (3y)	6.2%	2.7%	-9.0%	6.7%	5.8%	17.9%
EPS CAGR (5y)	-0.4%	3.8%	3.6%	6.0%	11.7%	18.1%
FCF growth (YoY)	-	-	-	-	-	-
FCF CAGR (5y)	-	-	-	-	-	-
Book value growth (YoY)	11.3%	6.5%	11.6%	-17.8%	3.1%	9.5%

Sales by segment

From XBRL dimensional facts in the 10-K period ending 2025-12-31.

Business segments

$27.80B total

Retail Banking Segment$14.86B · 53.5%

Corporate Institutional Banking Segment$11.23B · 40.4%

Asset Management Group Segment$1.71B · 6.2%

Product / service

$8.56B total

Cash And Cash Management Fees$1.19B · 13.9%

Capital Markets Related$1.09B · 12.7%

Asset Management Fees$986.00M · 11.5%

Lending And Deposit Services$748.00M · 8.7%

Debit Card Fees$717.00M · 8.4%

Interchange Fees$696.00M · 8.1%

Deposit Account Fees$676.00M · 7.9%

Asset Management Fees And Brokerage Fees$611.00M · 7.1%

Brokerage Fees$611.00M · 7.1%

Credit Card Reward Costs$490.00M · 5.7%

Net Credit Card Fees$206.00M · 2.4%

Merchant Fees$147.00M · 1.7%

Commercial And Residential Mortgage Banking Fees$114.00M · 1.3%

Product And Service Other$83.00M · 1.0%

Cash And Cash Management Fees Other$81.00M · 0.9%

Lending And Deposit Services Other$72.00M · 0.8%

Treasury Management Fees$41.00M · 0.5%

Stability scores

Piotroski F-score

FY 2025 · 9-point quality

6/9

Neutral

✓Net income positive
✓Operating cash flow positive
✓ROA improved YoY
✗Cash flow > net income
✓Long-term debt decreased
-Current ratio improved
✓No share dilution
-Gross margin improved
✓Asset turnover improved

Peer comparison

Same SIC group: National Commercial Banks

Company	Revenue (last FY)	Net margin	ROE
HBAN	-	-	-
UMBF	-	-	9.1%
ZION	$662.00M	135.8%	12.5%
JPM	$182.45B	31.3%	15.7%
SFNC	$5.63M	-7060.1%	-11.6%

Comparing PNC FINANCIAL SERVICES GROUP against the 5 most active filers in the same SIC group.

Dividends

$6.80/share trailing 12 months · +6.2% YoY

Ex-date	Per share
Apr 14, 2026	$1.7000
Jan 20, 2026	$1.7000
Oct 14, 2025	$1.7000
Jul 15, 2025	$1.7000
Apr 16, 2025	$1.6000
Jan 15, 2025	$1.6000
Oct 16, 2024	$1.6000
Jul 15, 2024	$1.6000
Apr 12, 2024	$1.5500
Jan 12, 2024	$1.5500
Oct 16, 2023	$1.5500
Jul 14, 2023	$1.5500
Apr 17, 2023	$1.5000
Jan 13, 2023	$1.5000
Oct 14, 2022	$1.5000
Jul 12, 2022	$1.5000
Apr 12, 2022	$1.5000
Jan 14, 2022	$1.2500
Oct 14, 2021	$1.2500
Jul 15, 2021	$1.2500
Apr 15, 2021	$1.1500
Jan 15, 2021	$1.1500
Oct 15, 2020	$1.1500
Jul 16, 2020	$1.1500