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PNC FINANCIAL SERVICES GROUP, INC.

PNC

$252.81 ▼ -2.52 (-0.99%) at close

19 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

PNC FINANCIAL SERVICES GROUP, INC. shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $100.1B

Dividend Yield 2.61%

Revenue Growth 7.2% ↗

Op. Margin 36.7% ↗

ROIC None

FCF / Share None

Trailing P/E 15.2x

Price / Book 1.7x

FCF Yield —

Debt / Equity 0.94

info Valuation on last close. End-of-day price, Aug 6, 2026.

19-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$23.10B

↑ +7.2% —

Net Income Profit after all expenses

$7.00B

↑ +17.5% —

Operating Margin Operating profit as % of sales

36.7%

↑ +9.3% 92th

Long-Term Debt Long-term obligations

$57.10B

↓ -7.4% —

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability →

Returns ↑

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$6.60 Latest / share

+4.8% YoY

+32.8% 5-yr CAGR

FY 2014

FY 2015

$2.12

FY 2016

FY 2017

FY 2018

FY 2019

FY 2020

FY 2021

$5.75

FY 2022

$6.10

FY 2023

$6.30

FY 2024

$6.60

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue Growth YoY (%)	7.2% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+19%)	0.3% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-95%)	1.8% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-71%)	9.9% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+66%)	13.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+128%)	0.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-94%)	-1.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-129%)	4.9% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-18%)	7.7% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+28%)	-0.4% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-107%)	-1.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-116%)	-4.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-166%)	3.2% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-46%)	8.3% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+38%)	-5.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-193%)	-6.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-208%)	157.8% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+2529%)	6.9% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+15%)	—
EPS Growth YoY (%)	20.6% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	7.5% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-7.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	9.0% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-25.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	48.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	5.9% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	2.9% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	41.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-1.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	1.1% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	-0.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	39.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-6.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-1.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	31.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	76.7% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-43.4% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—
Net Income Growth YoY (%)	17.5% Good ↑ Good Improving Year-over-year change in net income	5.4% Fair ↑ Fair Improving Year-over-year change in net income	-7.6% Weak ↓ Weak Declining Year-over-year change in net income	6.8% Fair ↑ Fair Improving Year-over-year change in net income	-24.3% Weak ↓ Weak Declining Year-over-year change in net income	39.5% Excellent ↑ Excellent Improving Year-over-year change in net income	1.3% Caution ↓ Caution Declining Year-over-year change in net income	-0.8% Weak ↓ Weak Declining Year-over-year change in net income	35.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-3.8% Weak ↓ Weak Declining Year-over-year change in net income	-1.5% Weak ↓ Weak Declining Year-over-year change in net income	-0.1% Weak ↓ Weak Declining Year-over-year change in net income	40.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-2.3% Weak ↓ Weak Declining Year-over-year change in net income	-9.6% Weak ↓ Weak Declining Year-over-year change in net income	41.4% Excellent ↓ Excellent Declining Year-over-year change in net income	162.9% Excellent Excellent Year-over-year change in net income	-38.7% Weak Weak Year-over-year change in net income	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	3.0% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	3.9% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	8.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	7.8% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	3.9% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	1.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	3.6% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	4.0% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	2.0% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	-1.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-0.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.4% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	1.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-1.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	31.5% Excellent Excellent Compound annual revenue growth over 3 years	37.1% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—
Revenue CAGR 5Y (%)	6.4% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.1% Fair → Fair Stable Compound annual revenue growth over 5 years	4.6% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.3% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.8% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	2.1% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	1.8% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	1.4% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	1.0% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	1.1% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	0.1% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-1.1% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	20.5% Excellent Excellent Compound annual revenue growth over 5 years	21.4% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—
EPS CAGR 3Y (%)	6.2% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	2.7% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-9.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	6.6% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	5.6% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	17.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	15.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	12.8% Good ↑ Good Improving Compound annual EPS growth over 3 years	12.1% Good ↑ Good Improving Compound annual EPS growth over 3 years	-0.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	11.9% Good ↑ Good Improving Compound annual EPS growth over 3 years	9.3% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	8.7% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	6.8% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	31.8% Excellent Excellent Compound annual EPS growth over 3 years	9.6% Fair Fair Compound annual EPS growth over 3 years	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Operating Margin (%) (%)	36.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+47%)	33.6% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+34%)	31.3% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	35.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	36.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+45%)	20.3% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	32.6% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+30%)	37.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+50%)	33.6% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+34%)	34.6% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	36.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+45%)	36.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	35.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	25.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	28.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	—	—	—	—
Effective Tax Rate (%) (%)	17.5% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.8% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.2% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.2% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.1% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	12.4% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.4% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.8% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	1.9% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.1% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.8% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.1% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.9% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.9% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.5% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—
Profit Margin (%) (%)	30.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	27.6% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	26.3% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	28.9% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	29.8% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	44.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+103%)	32.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	31.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	33.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+50%)	26.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	27.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	27.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	26.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	19.3% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	21.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	22.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	14.8% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-33%)	14.5% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-34%)	25.3% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	11.5% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	10.9% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-9%)	11.0% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-8%)	13.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+11%)	10.3% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	14.0% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+17%)	11.0% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-8%)	11.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-7%)	11.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-5%)	8.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-27%)	9.3% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	9.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-21%)	9.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-17%)	7.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-36%)	9.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-25%)	11.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-6%)	8.0% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	3.6% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-70%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Debt to Equity (x)	0.94x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-21%)	1.13x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-6%)	1.42x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+19%)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue per Share (USD)	$58.33	$54.02	$53.59	$51.26	$45.10	$39.58	$37.67	$36.69	$33.95	$30.69	$29.62	$29.06	$30.33	$29.49	$27.34	$29.35	$35.74	$18.30	$17.80
Basic EPS, GAAP (USD)	$16.60	$13.76	$12.80	$13.86	$12.71	$16.99	$11.43	$10.79	$10.49	$7.42	$7.52	$7.44	$7.45	$5.36	$5.70	$5.80	$4.40	$2.49	$4.40
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$6.60	$6.30	$6.10	$5.75	—	—	—	—	—	$2.12	—	—	—	—	—	—	—	—	—
Book Value per Share (USD)	$152.99	$136.40	$127.44	$111.10	$130.74	$126.49	$110.32	$102.20	$98.78	$92.51	$86.98	$85.18	$80.18	$74.15	$64.99	$58.50	$65.95	$73.90	—
Tangible Book Value per Share (USD)	$125.32	$109.01	$100.18	$84.43	$105.12	$104.86	$89.67	$82.46	$79.71	$74.08	$68.54	$64.25	$58.80	$53.49	$45.63	$37.70	$37.52	$39.92	—
Basic Weighted Avg Shares (shares)	396.00M	399.00M	401.00M	412.00M	426.00M	427.00M	447.00M	467.00M	481.00M	494.00M	514.00M	529.00M	528.00M	526.00M	524.00M	517.00M	454.00M	344.00M	331.00M
Dividend Payout Ratio (%)	39.8% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	45.8% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	47.7% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	41.5% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	28.6% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$57.10B	$61.67B	$72.74B	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Total Equity (USD)	$60.59B	$54.42B	$51.10B	$45.77B	$55.70B	$54.01B	$49.31B	$47.73B	$47.51B	$45.70B	$44.71B	$44.55B	$42.33B	$39.00B	$34.05B	$30.24B	$29.94B	$25.42B	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Sales/Revenue/Turnover (USD)	$23.10B	$21.55B	$21.49B	$21.12B	$19.21B	$16.90B	$16.84B	$17.13B	$16.33B	$15.16B	$15.22B	$15.38B	$16.01B	$15.51B	$14.33B	$15.18B	$16.23B	$6.30B	$5.89B
Depreciation Expense (USD)	$1.00B	$912.00M	$1.15B	$1.14B	$1.07B	$983.00M	$1.03B	$940.00M	$921.00M	$843.00M	$809.00M	$776.00M	$715.00M	$707.00M	$659.00M	$697.00M	—	—	—
Net Income, GAAP (USD)	$7.00B	$5.95B	$5.65B	$6.11B	$5.72B	$7.56B	$5.42B	$5.35B	$5.39B	$3.98B	$4.14B	$4.21B	$4.21B	$3.00B	$3.07B	$3.40B	$2.40B	$914.00M	$1.49B
Operating Cash Flow (USD)	$4.38B	$7.88B	$10.11B	$9.08B	$7.21B	$4.66B	$7.36B	$7.84B	$5.58B	—	—	—	—	—	$6.04B	$4.81B	$5.75B	$7.41B	$-416.00M

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Net Interest Margin (approx.) (%)	2.5%	2.4%	2.5%	2.3%	1.9%	2.1%	2.4%	2.5%	2.4%	2.3%	2.3%	2.5%	2.9%	3.2%	3.2%	3.5%	3.4%	1.3%	—
Efficiency Ratio (%) (%)	59.9%	62.7%	65.2%	62.4%	67.7%	60.9%	62.8%	60.1%	63.7%	62.5%	62.2%	61.7%	60.5%	68.2%	63.6%	56.8%	55.9%	58.5%	62.0%

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 19 years · 72 quarters

PNC FINANCIAL SERVICES GROUP, INC.

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19-Year Financial Trajectory

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