A Business at a Glance
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Business Overview The PNC Financial Services Group, Inc. is a financial services holding company headquartered in Pittsburgh, Pennsylvania and one of the largest diversified financial institutions in the U.S. PNC has businesses engaged in retail banking, corporate and institutional banking and asset management, providing many of our products and services nationally. We are organized around our customers and communities for strong relationships and local delivery of retail and business banking including a full range of lending products; specialized services for corporations and government entities, including corporate banking, real estate finance and asset-based lending; wealth management and asset management. Our retail branch network is located coast-to-coast, and we also have strategic international offices in four countries outside the U.S. At December 31, 2025, our consolidated total assets, total deposits and total shareholders’ equity were $573.6 billion, $440.9 billion and $60.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 34.0B | 34.0B | 34.4B | 31.9B | 23.5B | 19.7B |
| Net Income | 6.6B | 6.6B | 5.5B | 5.2B | 5.7B | 5.4B |
| EPS | $16.59 | $16.59 | $13.74 | $12.79 | $13.85 | $12.70 |
| Free Cash Flow | 4.4B | 4.4B | 7.9B | 10.1B | 9.1B | 7.2B |
| ROIC | 8.9% | 5.7% | 4.8% | 4.2% | 5.5% | 9.8% |
| Gross Margin | 76.0% | 76.0% | 73.5% | 76.8% | 87.8% | 93.0% |
| Debt/Equity | 0.94 | 0.94 | 1.13 | 1.42 | 1.28 | 0.55 |
| Dividends/Share | $6.60 | $6.60 | $6.30 | $6.10 | $5.77 | $4.80 |
| Operating Income | 8.5B | 8.5B | 7.2B | 6.7B | 7.5B | 7.0B |
| Operating Margin | 25.0% | 25.0% | 21.0% | 21.1% | 31.7% | 35.5% |
| ROE | 10.9% | 11.5% | 10.2% | 10.1% | 12.5% | 9.8% |
| Shares Outstanding | 399M | 399M | 402M | 403M | 414M | 428M |
PNC FINANCIAL SERVICES GROUP, INC. passes 5 of 9 quality checks, suggesting mixed fundamentals.
PNC FINANCIAL SERVICES GROUP, INC. trades at 13.4x trailing earnings, compared to its 15-year median P/E of 11.2x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 20.3x vs a median of 9.5x. The company's 5-year average ROIC is 6.0% with a gross margin of 81.4%. Total shareholder yield (dividends + buybacks) is 4.5%. At current prices, the estimated annualized return to fair value is +5.4%.
PNC FINANCIAL SERVICES GROUP, INC. (PNC) has a current P/E ratio of 13.4, compared to its historical median P/E of 11.2. The stock is currently considered Expensive based on its historical valuation range.
PNC FINANCIAL SERVICES GROUP, INC. (PNC) has a 5-year average return on invested capital (ROIC) of 6.0%. This is below average and may indicate limited pricing power.
PNC FINANCIAL SERVICES GROUP, INC. (PNC) has a market capitalization of $89.0B. It is classified as a large-cap stock.
Yes, PNC FINANCIAL SERVICES GROUP, INC. (PNC) pays a dividend with a trailing twelve-month yield of 2.96%. The company also returns capital through share buybacks, with a buyback yield of 1.50%.
Based on historical P/E analysis, PNC FINANCIAL SERVICES GROUP, INC. (PNC) appears expensive. The current P/E of 13.4 is 20% above its historical median of 11.2. The estimated fair value CAGR (P/E method) is 2.6%.
PNC FINANCIAL SERVICES GROUP, INC. (PNC) operates in the National Commercial Banks industry, within the Financials sector.
PNC FINANCIAL SERVICES GROUP, INC. (PNC) reported annual revenue of $34.0 billion in its most recent fiscal year, based on SEC EDGAR filings.
PNC FINANCIAL SERVICES GROUP, INC. (PNC) has a net profit margin of 19.5%. This is a healthy margin.
PNC FINANCIAL SERVICES GROUP, INC. (PNC) generated $4.4 billion in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
PNC FINANCIAL SERVICES GROUP, INC. (PNC) has a debt-to-equity ratio of 0.94. This indicates moderate leverage.
PNC FINANCIAL SERVICES GROUP, INC. (PNC) reported earnings per share (EPS) of $16.59 in its most recent fiscal year.
PNC FINANCIAL SERVICES GROUP, INC. (PNC) has a return on equity (ROE) of 11.5%. This indicates moderate shareholder returns.
PNC FINANCIAL SERVICES GROUP, INC. (PNC) has a 5-year average gross margin of 81.4%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 19 years of financial data for PNC FINANCIAL SERVICES GROUP, INC. (PNC), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
PNC FINANCIAL SERVICES GROUP, INC. (PNC) has a book value per share of $151.85, based on its most recent annual SEC filing.