What is PNC Financial Services Group's earnings per share (EPS)?

PNC Financial Services Group (PNC) reported diluted earnings per share of $16.59 for fiscal year 2025. This represents a 20.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

PNC Financial Services Group (PNC) Financials

PNC

Trailing 12 months to June 30, 2026

Revenue $25.0B +13.2% YoY

Net Income $7.7B +22.8% YoY

EPS (Diluted) $18.16 +24.3% YoY

Operating Cash Flow $7.5B +23.6% YoY

Market Cap $87.6B as of Oct 14, 2026

Price / Sales 3.5x on $25.0B revenue, trailing 12 months to June 30, 2026

Price / Earnings 11.4x on $7.7B net income, trailing 12 months to June 30, 2026

Price / Book 1.4x on $64.0B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 14, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 5, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 5, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the PNC SEC filings page.

PNC Financial Services Group (PNC) reported $25.0B in revenue over the twelve months to Jun 30, 2026, up 13.2% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI PNC FY2025 2026-10-03

PNC’s 2025 profits accelerated and capital ratios improved, but operating cash flow fell sharply, weakening the link between earnings and cash.

In FY2024, operating cash flow of $7.9B exceeded net income of $6.0B. By FY2025, operating cash flow fell to $4.4B while net income rose to $7.0B, so earnings became materially less cash-backed.

The balance sheet’s funding structure became less equity-levered: debt-to-equity fell from 1.1x in FY2024 to 0.9x in FY2025. Assets increased to $573.6B while liabilities were $512.9B, so most assets continued to be funded by obligations rather than equity.

Profitability improved at the income-statement level: net profit margin rose from 27.6% to 30.3% as net income grew faster than revenue. Return on assets also moved from 1.1% to 1.2%, indicating the higher earnings reached the large asset base, though only modestly.

Financial Health Signals

Financial Health Score 48/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of PNC Financial Services Group's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

PNC Financial Services Group earned a return on assets of 1.2% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 1.1% the prior year. Earnings ranks banks on that return over three years, and PNC Financial Services Group scores 69/100 among other banks.

Growth

PNC Financial Services Group reported revenue of $23.1B in fiscal year 2025, against $21.6B in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and PNC Financial Services Group scores 30/100 among other banks.

Capital

PNC Financial Services Group funded 10.6% of its assets with shareholders' equity at the end of fiscal year 2025, holding $60.6B of equity against $573.6B of assets. Capital ranks banks on that cushion, and PNC Financial Services Group scores 37/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. PNC Financial Services Group scores 58/100 on it among other banks.

Credit Quality

Not available for PNC Financial Services Group, and counted as zero in the overall score.

Stability

PNC Financial Services Group reported net income of $7.0B in fiscal year 2025, against $6.0B in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and PNC Financial Services Group scores 93/100 among other banks.

Piotroski F-Score Partial

5/7

PNC Financial Services Group passes 5 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Mixed

0.63x

For every $1 of reported earnings, PNC Financial Services Group generates $0.63 in operating cash flow ($4.4B OCF vs $7.0B net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$6.9B

YoY+21.4%

QoQ+11.5%

5Y CAGR+8.1%

10Y CAGR+6.1%

PNC Financial Services Group generated $6.9B in revenue in Q2 2026. This represents an increase of 21.4% from the same quarter a year earlier. Against the prior quarter it is up 11.5%.

Net Income

$2.0B

YoY+25.4%

QoQ+15.1%

5Y CAGR+13.1%

10Y CAGR+7.5%

PNC Financial Services Group reported $2.0B in net income in Q2 2026. This represents an increase of 25.4% from the same quarter a year earlier. Against the prior quarter it is up 15.1%.

EPS (Diluted)

$4.81

YoY+24.9%

QoQ+16.5%

5Y CAGR+14.6%

10Y CAGR+10.2%

PNC Financial Services Group earned $4.81 per diluted share (EPS) in Q2 2026. This represents an increase of 24.9% from the same quarter a year earlier. Against the prior quarter it is up 16.5%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Cash & Debt

$28.7B

YoY-5.4%

QoQ-9.3%

5Y CAGR+26.9%

PNC Financial Services Group held $28.7B in cash against $85.7B in long-term debt as of Q2 2026.

Dividends Per Share

$1.70

YoY+6.2%

QoQ0.0%

PNC Financial Services Group paid $1.70 per share in dividends in Q2 2026. This represents an increase of 6.2% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

399M

YoY+1.3%

QoQ-0.7%

5Y CAGR-1.3%

10Y CAGR-2.1%

PNC Financial Services Group had 399M shares outstanding in Q2 2026. This represents an increase of 1.3% from the same quarter a year earlier. Against the prior quarter it is down 0.7%.

Free Cash Flow

Not reported for Q2 2026.

Margins & Returns

Net Margin

29.7%

YoY+0.9pp

QoQ+0.9pp

5Y change+6.0pp

10Y change+3.6pp

PNC Financial Services Group's net profit margin was 29.7% in Q2 2026, showing the share of revenue converted to profit. This is up 0.9 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.9 percentage points.

Return on Equity

3.2%

YoY+0.4pp

QoQ+0.4pp

5Y change+1.2pp

10Y change+1.0pp

PNC Financial Services Group's ROE was 3.2% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.4 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$622.0M

YoY+85.1%

QoQ-21.9%

5Y CAGR+262.0%

10Y CAGR+2.1%

PNC Financial Services Group spent $622.0M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 85.1% from the same quarter a year earlier. Against the prior quarter it is down 21.9%.

R&D Spending

Not reported for Q2 2026.

Capital Expenditures

Not reported for Q2 2026.

PNC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

PNC quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$25.0B	$23.1B+7.2%	$21.6B+0.3%	$21.5B+1.8%	$21.1B+9.9%	$19.2B+13.7%	$16.9B+0.4%	$16.8B+4.0%	$16.2B-0.9%	$16.3B+7.7%	$15.2B-0.4%	$15.2B-1.0%	$15.4B-4.0%	$16.0B+3.2%	$15.5B+8.3%	$14.3B
SG&A Expenses	$8.4B	$7.8B+6.6%	$7.3B-1.7%	$7.4B+2.5%	$7.2B+1.4%	$7.1B+25.9%	$5.7B+0.5%	$5.6B+3.2%	$5.5B+3.9%	$5.3B+8.1%	$4.9B+0.9%	$4.8B+4.8%	$4.6B-2.8%	$4.7B+2.7%	$4.6B+16.4%	$4.0B
Interest Expense	$10.6B	$10.9B-15.4%	$12.9B+24.0%	$10.4B+329.1%	$2.4B+397.3%	$487.0M-64.2%	$1.4B-64.2%	$3.8B+32.7%	$2.9B+67.7%	$1.7B+35.3%	$1.3B+20.7%	$1.0B+15.3%	$906.0M+5.3%	$860.0M-21.4%	$1.1B-26.8%	$1.5B
Income Tax	$1.7B	$1.5B+15.5%	$1.3B+18.4%	$1.1B-19.9%	$1.4B+7.7%	$1.3B+196.5%	$426.0M-52.7%	$901.0M-2.9%	$928.0M+601.6%	-$185.0M-114.6%	$1.3B-7.0%	$1.4B-3.1%	$1.4B-4.7%	$1.5B+41.2%	$1.0B+4.7%	$998.0M
Net Income	$7.7B	$7.0B+17.5%	$6.0B+5.4%	$5.6B-7.6%	$6.1B+6.8%	$5.7B-24.3%	$7.6B+39.5%	$5.4B+1.3%	$5.3B-0.8%	$5.4B+35.2%	$4.0B-3.8%	$4.1B-1.5%	$4.2B-0.1%	$4.2B+40.7%	$3.0B-2.5%	$3.1B
EPS (Basic)	N/A	$16.60+20.6%	$13.76+7.5%	$12.80-7.6%	$13.86+9.0%	$12.71-25.2%	$16.99+48.6%	$11.43+5.9%	$10.79+2.9%	$10.49+41.4%	$7.42-1.3%	$7.52+1.1%	$7.44-0.1%	$7.45+39.8%	$5.33-6.5%	$5.70
EPS (Diluted)	$18.16	$16.59+20.7%	$13.74+7.4%	$12.79-7.7%	$13.85+9.1%	$12.70-25.1%	$16.96+48.9%	$11.39+6.3%	$10.71+3.4%	$10.36+41.9%	$7.30-1.2%	$7.39+1.2%	$7.30-0.8%	$7.36+39.4%	$5.28-6.4%	$5.64
Diluted Shares (Avg)	N/A	396M-1.0%	400M-0.2%	401M-2.7%	412M-3.3%	426M-0.2%	427M-4.7%	448M-4.7%	470M-3.3%	486M-2.8%	500M-4.0%	521M-3.0%	537M+0.9%	532M+0.6%	529M+0.6%	526M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$6.9B+21.4%	$6.2B+13.1%	$6.1B+9.1%	$5.9B+8.9%	$5.7B+4.6%	$5.5B+6.0%	$5.6B+3.8%	$5.4B+3.8%
SG&A Expenses	$2.3B+20.3%	$2.1B+11.4%	$2.0B+9.5%	$2.0B+5.4%	$1.9B+6.0%	$1.9B+5.4%	$1.9B-6.4%	$1.9B+5.4%
Interest Expense	$2.6B-4.7%	$2.5B-6.4%	$2.6B-10.8%	$2.9B-15.6%	$2.7B-16.9%	$2.7B-18.0%	$3.0B-4.1%	$3.4B+22.5%
Income Tax	$531.0M+39.4%	$415.0M+19.6%	$296.0M+6.5%	$465.0M+30.3%	$381.0M+11.4%	$347.0M+11.2%	$278.0M+61.6%	$357.0M+23.5%
Net Income	$2.0B+25.4%	$1.8B+18.2%	$2.0B+25.9%	$1.8B+21.1%	$1.6B+10.2%	$1.5B+11.5%	$1.6B+84.3%	$1.5B-4.1%
EPS (Basic)	$4.82+24.9%	$4.13+17.3%	$4.87+29.2%	$4.36+24.6%	$3.86+13.9%	$3.52+13.5%	$3.77+103.8%	$3.50-2.8%
EPS (Diluted)	$4.81+24.9%	$4.13+17.7%	$4.87+29.5%	$4.35+24.6%	$3.85+13.6%	$3.51+13.2%	$3.76+103.2%	$3.49-3.1%
Diluted Shares (Avg)	403M+1.5%	405M+1.8%	N/A	396M-1.0%	397M-0.8%	398M-0.5%	N/A	400M0.0%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

PNC Balance Sheet

PNC quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$573.6B+2.4%	$560.0B-0.3%	$561.6B+0.8%	$557.3B0.0%	$557.2B+19.4%	$466.7B+13.7%	$410.3B+7.3%	$382.3B+0.4%	$380.8B+3.9%	$366.4B+2.2%	$358.5B+3.9%	$345.1B+7.8%	$320.2B+4.9%	$305.1B+12.5%	$271.2B
Cash & Equivalents	$39.7B-14.1%	$46.3B-8.8%	$50.7B+47.6%	$34.4B-58.2%	$82.3B+1072.2%	$7.0B+38.6%	$5.1B-9.8%	$5.6B+6.8%	$5.2B	N/A	N/A	N/A	N/A	N/A	N/A
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$11.0B+0.2%	$10.9B0.0%	$10.9B-0.5%	$11.0B+0.7%	$10.9B+18.2%	$9.2B0.0%	$9.2B+0.2%	$9.2B+0.5%	$9.2B+0.8%	$9.1B0.0%	$9.1B0.0%	$9.1B+0.3%	$9.1B0.0%	$9.1B+9.5%	$8.3B
Total Liabilities	$512.9B+1.5%	$505.6B-1.0%	$510.4B-0.2%	$511.5B+2.0%	$501.5B+21.5%	$412.6B+14.3%	$361.0B+7.9%	$334.5B+0.4%	$333.2B+4.3%	$319.5B+2.2%	$312.5B+4.5%	$299.0B+8.3%	$276.2B+4.9%	$263.3B+12.6%	$234.0B
Long-Term Debt	$57.1B-7.4%	$61.7B-15.2%	$72.7B+23.9%	$58.7B	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$60.6B+11.3%	$54.4B+6.5%	$51.1B+11.6%	$45.8B-17.8%	$55.7B+3.1%	$54.0B+9.5%	$49.3B+3.3%	$47.7B+0.5%	$47.5B+4.0%	$45.7B+2.2%	$44.7B+0.4%	$44.6B+5.2%	$42.3B+8.5%	$39.0B+14.5%	$34.1B
Retained Earnings	$63.3B+6.7%	$59.3B+5.3%	$56.3B+5.1%	$53.6B+6.7%	$50.2B+7.2%	$46.8B+11.0%	$42.2B+8.5%	$38.9B+9.7%	$35.5B+12.0%	$31.7B+9.0%	$29.0B+10.9%	$26.2B+12.7%	$23.3B+14.7%	$20.3B+11.0%	$18.3B

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$616.0B+10.2%	$603.0B+8.7%	$573.6B+2.4%	$568.8B+0.7%	$559.1B+0.5%	$554.7B-2.0%	$560.0B-0.3%	$564.9B+1.4%
Cash & Equivalents	$28.7B-5.4%	$31.7B-17.5%	$39.7B-14.1%	$38.9B-5.6%	$30.4B-22.6%	$38.4B-35.5%	$46.3B-8.8%	$41.2B-12.0%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$13.3B+21.8%	$13.3B+21.5%	$11.0B+0.2%	$11.0B+0.3%	$10.9B0.0%	$10.9B0.0%	$10.9B0.0%	$10.9B-0.5%
Total Liabilities	$552.0B+10.1%	$539.4B+8.2%	$512.9B+1.5%	$509.7B+0.1%	$501.5B-0.5%	$498.3B-3.2%	$505.6B-1.0%	$509.2B+0.3%
Long-Term Debt	$85.7B+41.9%	$66.7B+9.8%	$57.1B-7.4%	$62.3B-8.4%	$60.4B-15.4%	$60.7B-16.5%	$61.7B-15.2%	$68.1B+2.9%
Total Equity	$64.0B+11.1%	$63.6B+12.8%	$60.6B+11.3%	$59.0B+5.9%	$57.6B+9.4%	$56.4B+9.9%	$54.4B+6.5%	$55.7B+12.6%
Retained Earnings	$65.5B+7.5%	$64.3B+7.0%	$63.3B+6.7%	$62.0B+6.2%	$61.0B+5.7%	$60.1B+5.5%	$59.3B+5.3%	$58.4B+4.0%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

PNC Cash Flow Statement

PNC quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$7.5B	$4.4B-44.4%	$7.9B-22.1%	$10.1B+11.3%	$9.1B+25.9%	$7.2B+54.8%	$4.7B-36.7%	$7.4B-6.1%	$7.8B+40.5%	$5.6B+59.4%	$3.5B-36.7%	$5.5B-1.1%	$5.6B+0.5%	$5.6B-18.6%	$6.8B+13.1%	$6.0B
Depreciation & Amortization	N/A	$381.0M+47.1%	$259.0M-77.5%	$1.1B+0.9%	$1.1B+6.8%	$1.1B+8.4%	$983.0M-5.0%	$1.0B+10.1%	$940.0M+2.1%	$921.0M+9.3%	$843.0M+4.2%	$809.0M+4.3%	$776.0M+8.5%	$715.0M+1.1%	$707.0M+7.3%	$659.0M
Stock-Based Compensation	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$200.0M0.0%	$200.0M0.0%	$200.0M0.0%	$200.0M+29.9%	$154.0M+52.5%	$101.0M-1.9%	$103.0M
Investing Cash Flow	-$28.6B	-$15.6B-383.2%	-$3.2B-132.0%	$10.1B+116.7%	-$60.4B-2059.5%	-$2.8B+94.5%	-$51.1B-104.6%	-$25.0B-529.6%	-$4.0B+73.4%	-$14.9B-103.8%	-$7.3B	N/A	N/A	N/A	-$17.3B-163.6%	-$6.5B
Financing Cash Flow	$19.4B	$4.7B+151.5%	-$9.1B-136.7%	-$3.9B-213.9%	$3.4B+198.6%	-$3.4B-107.1%	$48.4B+183.5%	$17.1B+586.3%	-$3.5B-136.3%	$9.7B+109.6%	$4.6B-55.7%	$10.4B	N/A	N/A	$11.5B+773.6%	$1.3B
Dividends Paid	$2.7B	$2.6B+3.9%	$2.5B+3.1%	$2.5B+2.9%	$2.4B+16.3%	$2.1B+3.8%	$2.0B+4.5%	$1.9B+18.4%	$1.6B+26.5%	$1.3B+19.3%	$1.1B+2.2%	$1.0B+3.8%	$1.0B+9.8%	$911.0M+11.1%	$820.0M+35.8%	$604.0M
Share Buybacks	$2.2B	$1.3B+94.8%	$687.0M+5.5%	$651.0M-82.6%	$3.7B+245.8%	$1.1B-33.6%	$1.6B-54.6%	$3.6B+24.4%	$2.9B+17.6%	$2.4B+18.7%	$2.1B-4.2%	$2.2B+83.0%	$1.2B+4800.0%	$24.0M-88.9%	$216.0M+195.9%	$73.0M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$2.1B+45.1%	$1.9B+478.8%	$757.0M-57.9%	$2.7B-19.2%	$1.5B+43.0%	-$509.0M-129.0%	$1.8B-63.0%	$3.3B+2758.3%
Depreciation & Amortization	$107.0M+30.5%	$66.0M-26.7%	$108.0M-34.1%	$101.0M-64.1%	$82.0M-71.2%	$90.0M-67.9%	$164.0M-45.2%	$281.0M-1.4%
Investing Cash Flow	-$15.1B-28.6%	-$10.6B-980.2%	-$2.1B-129.6%	-$820.0M+78.3%	-$11.7B-16.8%	-$980.0M-128.5%	$7.1B+404.3%	-$3.8B-177.0%
Financing Cash Flow	$10.0B+348.2%	$644.0M+110.1%	$2.2B+156.7%	$6.6B+176.7%	$2.2B+119.7%	-$6.4B-275.8%	-$3.9B-372.2%	$2.4B+189.1%
Dividends Paid	$691.0M+7.6%	$696.0M+8.9%	$676.0M+5.0%	$678.0M+5.0%	$642.0M+3.0%	$639.0M+2.4%	$644.0M+3.2%	$646.0M+3.5%
Share Buybacks	$622.0M+85.1%	$796.0M+203.8%	$406.0M+83.7%	$334.0M+156.9%	$336.0M+197.3%	$262.0M+17.5%	$221.0M+325.0%	$130.0M+1081.8%

Not reported in any period shown, so not listed: Stock-Based Compensation, Capital Expenditures, Free Cash Flow.

PNC Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

PNC quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	30.3%+2.7pp	27.6%+1.3pp	26.3%-2.7pp	28.9%-0.9pp	29.8%-14.9pp	44.7%+12.5pp	32.2%-0.8pp	33.0%0.0pp	33.0%+6.7pp	26.3%-0.9pp	27.2%-0.2pp	27.4%+1.1pp	26.3%+7.0pp	19.3%-2.1pp	21.4%
Return on Equity	11.6%+0.6pp	10.9%-0.1pp	11.1%-2.3pp	13.4%+3.1pp	10.3%-3.7pp	14.0%+3.0pp	11.0%-0.2pp	11.2%-0.1pp	11.3%+2.6pp	8.7%-0.6pp	9.3%-0.2pp	9.4%-0.5pp	10.0%+2.3pp	7.7%-1.3pp	9.0%
Return on Assets	1.2%+0.2pp	1.1%+0.1pp	1.0%-0.1pp	1.1%+0.1pp	1.0%-0.6pp	1.6%+0.3pp	1.3%-0.1pp	1.4%0.0pp	1.4%+0.3pp	1.1%-0.1pp	1.2%-0.1pp	1.2%-0.1pp	1.3%+0.3pp	1.0%-0.1pp	1.1%
Debt-to-Equity	0.94-0.2x	1.13-0.3x	1.42+0.1x	1.28-7.7x	9.00+1.4x	7.64+0.3x	7.32+0.3x	7.010.0x	7.010.0x	6.990.0x	6.99+0.3x	6.71+0.2x	6.52-0.2x	6.75-0.1x	6.87
Asset Turnover	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.050.0x	0.05

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	29.7%+0.9pp	28.7%+1.3pp	33.8%+4.5pp	30.8%+3.1pp	28.7%+1.4pp	27.5%+1.4pp	29.2%+12.8pp	27.7%-2.3pp
Return on Equity	3.2%+0.4pp	2.8%+0.1pp	3.4%+0.4pp	3.1%+0.4pp	2.8%0.0pp	2.7%0.0pp	3.0%+1.3pp	2.7%-0.5pp
Return on Assets	0.3%0.0pp	0.3%0.0pp	0.4%+0.1pp	0.3%+0.1pp	0.3%0.0pp	0.3%0.0pp	0.3%+0.1pp	0.3%0.0pp
Debt-to-Equity	1.34+0.3x	1.050.0x	0.94-0.2x	1.06-0.2x	1.05-0.3x	1.08-0.3x	1.13-0.3x	1.22-0.1x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
PNC Financial Services Group PNC	FY2025	$23.1B	$7.0B	30.3%	$87.6B	48/100
U.S. Bancorp USB	FY2025	$28.7B	$7.6B	26.4%	$89.5B	42/100
Nu Holdings Ltd. NU	FY2025	$15.8B	$2.9B	18.2%	$77.3B	47/100

Where PNC Financial Services Group Ranks

Frequently Asked Questions

What is PNC Financial Services Group's annual revenue?

PNC Financial Services Group (PNC) reported $23.1B in total revenue for fiscal year 2025. This represents a 7.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is PNC Financial Services Group's revenue growing?

PNC Financial Services Group (PNC) revenue grew by 7.2% year-over-year, from $21.6B to $23.1B in fiscal year 2025.

Is PNC Financial Services Group profitable?

Yes, PNC Financial Services Group (PNC) reported a net income of $7.0B in fiscal year 2025, with a net profit margin of 30.3%.

How much debt does PNC Financial Services Group have?

As of fiscal year 2025, PNC Financial Services Group (PNC) had $39.7B in cash and equivalents against $57.1B in long-term debt.

What is PNC Financial Services Group's net profit margin?

PNC Financial Services Group (PNC) had a net profit margin of 30.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does PNC Financial Services Group pay dividends?

Yes, PNC Financial Services Group (PNC) paid $6.60 per share in dividends during fiscal year 2025.

What is PNC Financial Services Group's return on equity (ROE)?

PNC Financial Services Group (PNC) has a return on equity of 11.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is PNC Financial Services Group's operating cash flow?

PNC Financial Services Group (PNC) generated $4.4B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are PNC Financial Services Group's total assets?

PNC Financial Services Group (PNC) had $573.6B in total assets as of fiscal year 2025, including both current and long-term assets.

Does PNC Financial Services Group buy back shares?

Yes, PNC Financial Services Group (PNC) spent $1.3B on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does PNC Financial Services Group have outstanding?

PNC Financial Services Group (PNC) had 403M shares outstanding as of fiscal year 2025.

What is PNC Financial Services Group's debt-to-equity ratio?

PNC Financial Services Group (PNC) had a debt-to-equity ratio of 0.94 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is PNC Financial Services Group's return on assets (ROA)?

PNC Financial Services Group (PNC) had a return on assets of 1.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is PNC Financial Services Group's P/E ratio?

PNC Financial Services Group (PNC) trades at 11.4x earnings, its market capitalization divided by net income of $7.7B net income, trailing 12 months to June 30, 2026. The market capitalization is $87.6B as of Oct 14, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is PNC Financial Services Group's price-to-sales ratio?

PNC Financial Services Group (PNC) trades at 3.5x sales, its market capitalization divided by revenue of $25.0B revenue, trailing 12 months to June 30, 2026. The market capitalization is $87.6B as of Oct 14, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is PNC Financial Services Group's Piotroski F-Score?

PNC Financial Services Group (PNC) has a Piotroski F-Score of 5 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are PNC Financial Services Group's earnings high quality?

PNC Financial Services Group (PNC) has an earnings quality ratio of 0.63x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is PNC Financial Services Group?

PNC Financial Services Group (PNC) scores 48 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.