PNC Financial Services

Financials Diversified Banks Pittsburgh, Pennsylvania Last filing Feb 20, 2026 · FY2025

                    Revenue
                    FY2025
                
$25.3B
                    3y CAGR +17.9%
                    
                    P62
                    
                    -4.1%
                    
                    Net income
                    FY2025
                
$7.0B
                    Net margin +27.6%
                    
                    P79
                    
                    +17.5%
                    
                    Total assets
                    FY2025
                
$573.6B
                    ROA +1.2%
                    
                    P30
                    
                    +2.4%
                    
                    Operating cash flow
                    FY2025
                
$4.4B
                    
                    -44.4%

19 yrs · FY2007–FY2025 9 filed · 0 derived · 0 blank

1Y 3Y 5Y 10Y

Dollars % of revenue % of assets YoY % CAGR

Each cell as a share of that year’s total assets.

Balance Sheet

Assets, liabilities, and equity

20 accounts · 10 years

Total assets $573.6B

Total liabilities $512.9B

Shareholders equity $60.6B

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Assets
Cash and Cash Equivalents	6.9%	8.3%	9.0%	6.2%	1.4%	1.5%	1.2%	1.5%	1.4%	1.3%
Other Current Assets	7.2%	6.6%	6.7%	6.9%	6.3%	6.6%	7.8%	9.0%	7.3%	7.5%
Property,Plant and Equipment	0.0%	1.5%	1.5%	1.6%	1.5%	1.6%	1.9%	1.5%	1.4%	1.5%
Goodwill	1.9%	2.0%	1.9%	2.0%	2.0%	2.0%	2.3%	2.4%	2.4%	2.5%
Other Noncurrent Assets	7.2%	6.6%	6.7%	6.9%	6.3%	6.6%	7.8%	9.0%	7.3%	7.5%
Total Assets	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%
Liabilities
Current Portion of Long Term Debt	10.0%	11.0%	13.0%	—	—	—	—	—	—	—
Total Current Liabilities	89.4%	90.3%	90.9%	91.8%	90.0%	88.4%	88.0%	87.5%	87.5%	87.2%
Long Term Debt	10.0%	11.0%	13.0%	10.5%	5.5%	8.0%	14.7%	15.0%	15.5%	14.4%
Deferred Tax Liabilities	0.0%	0.5%	0.5%	0.6%	0.5%	0.8%	1.2%	1.0%	1.0%	1.5%
Total Liabilities	89.4%	90.3%	90.9%	91.8%	90.0%	88.4%	88.0%	87.5%	87.5%	87.2%
Equity
Preferred Stock	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Common Stock	0.5%	0.5%	0.5%	0.5%	0.5%	0.6%	0.7%	0.7%	0.7%	0.7%
Additional Paid In Capital	3.3%	3.3%	3.4%	3.3%	3.1%	3.4%	4.0%	4.3%	4.3%	4.5%
Retained Earnings	11.0%	10.6%	10.0%	9.6%	9.0%	10.0%	10.3%	10.2%	9.3%	8.6%
Treasury Stock	3.6%	3.5%	3.4%	3.4%	2.7%	3.0%	3.1%	2.5%	1.8%	1.4%
Accumulated Other Comprehensive Income	-0.6%	-1.2%	-1.4%	-1.8%	0.1%	0.6%	0.2%	-0.2%	-0.0%	-0.1%
Noncontrolling Interest	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.3%
Total Stockholders Equity	10.6%	9.7%	9.1%	8.2%	10.0%	11.6%	12.0%	12.5%	12.5%	12.5%
Total Liabilitiesand Equity	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%

Income Statement

Revenue, expense, and profitability

12 accounts · 10 years

Revenue $25.3B

Operating income $5.6B

Net income $7.0B

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
IncomeStatement
Revenues Total Revenue	4.4%	4.7%	4.3%	2.8%	2.0%	2.4%	3.4%	3.3%	2.8%	2.6%
Expenses Selling,General and Administrative	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%
Expenses Depreciation and Amortization	0.1%	0.0%	0.2%	0.2%	0.2%	0.2%	0.3%	0.2%	0.2%	0.2%
Other Income Expense Interest Income	4.4%	4.7%	4.3%	2.8%	2.0%	2.4%	3.4%	3.3%	2.8%	2.6%
Other Income Expense Income Before Tax	1.5%	1.3%	1.2%	1.3%	1.3%	0.7%	1.3%	1.4%	1.4%	1.4%
Income Tax Income Tax Expense	0.3%	0.2%	0.2%	0.2%	0.2%	0.1%	0.2%	0.2%	0.0%	0.3%
net Income net Income	1.2%	1.1%	1.0%	1.1%	1.0%	1.6%	1.3%	1.4%	1.4%	1.1%
net Income Comprehensive Income	1.8%	1.3%	1.4%	-0.8%	0.6%	2.0%	1.7%	1.2%	1.4%	1.0%
Earnings Per Share Basic Eps	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings Per Share Diluted Eps	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings Per Share Weighted Average Shares Basic	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%
Earnings Per Share Weighted Average Shares Diluted	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%

Cash Flow Statement

Operating, investing, and financing flows

16 accounts · 10 years

Operating cash flow $4.4B

Investing cash flow $-15.6B

Financing cash flow $4.7B

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
CashFlow
Operating Activities net Income	1.2%	1.1%	1.0%	1.1%	1.0%	1.6%	1.3%	1.4%	1.4%	1.1%
Operating Activities Depreciation and Amortization	0.1%	0.0%	0.2%	0.2%	0.2%	0.2%	0.3%	0.2%	0.2%	0.2%
Operating Activities Deferred Income Taxes	-0.0%	-0.0%	-0.0%	0.1%	0.0%	-0.1%	0.0%	0.0%	-0.1%	0.1%
Operating Activities Changes In Operating Assets and Liabilities	-0.1%	-0.3%	-0.2%	-0.1%	0.0%	-0.1%	0.1%	-0.0%	-0.1%	-0.0%
Operating Activities net Cash From Operating Activities	0.8%	1.4%	1.8%	1.6%	1.3%	1.0%	1.8%	2.1%	1.5%	1.0%
Investing Activities Purchases of Investments	2.7%	5.4%	0.7%	4.6%	15.3%	9.7%	5.8%	6.1%	3.6%	5.3%
Investing Activities Proceeds From Sale of Investments	1.2%	1.2%	1.2%	2.4%	5.5%	6.6%	2.9%	2.5%	1.5%	0.9%
Investing Activities Other Investing Activities	0.5%	0.2%	0.4%	0.5%	0.5%	0.3%	0.2%	0.4%	0.3%	0.2%
Investing Activities net Cash From Investing Activities	-2.7%	-0.6%	1.8%	-10.8%	-0.5%	-11.0%	-6.1%	-1.0%	-3.9%	-2.0%
Financing Activities Repurchase of Common Stock	0.2%	0.1%	0.1%	0.7%	0.2%	0.3%	0.9%	0.8%	0.6%	0.6%
Financing Activities Dividends Paid	0.5%	0.5%	0.4%	0.4%	0.4%	0.4%	0.5%	0.4%	0.3%	0.3%
Financing Activities net Cash From Financing Activities	0.8%	-1.6%	-0.7%	0.6%	-0.6%	10.4%	4.2%	-0.9%	2.5%	1.3%
Cash Reconciliation Effect of Exchange Rate On Cash	6.9%	8.3%	9.0%	6.2%	1.4%	1.5%	1.2%	1.5%	—	—
Cash Reconciliation net Change In Cash	-1.1%	-0.8%	2.9%	-8.6%	0.2%	0.4%	-0.1%	0.1%	0.1%	0.2%
Cash Reconciliation Cash At Beginning of Period	6.9%	8.3%	9.0%	6.2%	1.4%	1.5%	1.2%	1.5%	—	—
Cash Reconciliation Cash At End of Period	6.9%	8.3%	9.0%	6.2%	1.4%	1.5%	1.2%	1.5%	—	—

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 10 years

Ratio	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Profitability
Gross margin	—	—	—	—	—	—	—	—	—	—
Operating margin	—	—	+22.9%	+39.1%	+51.0%	+26.2%	+33.0%	+35.9%	—	—
Net margin	+27.6%	+22.6%	+23.2%	+39.6%	+51.4%	+66.8%	+39.4%	+42.5%	+49.8%	+41.3%
FCF margin	—	—	—	—	—	—	—	—	—	—
Growth
Revenue CAGR (3y)	+17.9%	+33.3%	+29.1%	+3.9%	-4.0%	+1.5%	+12.6%	+10.5%	+4.7%	-1.2%
Returns
ROE	+11.5%	+10.9%	+11.0%	+13.4%	+10.3%	+14.0%	+11.0%	+11.2%	+11.3%	+8.7%
ROA	+1.2%	+1.1%	+1.0%	+1.1%	+1.0%	+1.6%	+1.3%	+1.4%	+1.4%	+1.1%
ROIC	—	—	+3.2%	+7.0%	+5.9%	+3.1%	+3.6%	+3.8%	—	—
Liquidity
Current ratio	—	—	—	—	—	—	—	—	—	—
Quick ratio	—	—	—	—	—	—	—	—	—	—
Leverage
D/E	8.47x	9.29x	9.99x	11.17x	9.00x	7.64x	7.32x	7.01x	7.01x	6.99x
Interest coverage	—	—	0.54x	2.49x	11.65x	2.18x	1.20x	1.58x	—	—
Efficiency
Asset turnover	0.04x	0.05x	0.04x	0.03x	0.02x	0.02x	0.03x	0.03x	0.03x	0.03x
Cash conversion cycle	—	—	—	—	—	—	—	—	—	—

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PNC Financial Services

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