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 revenue.

Balance Sheet

Assets, liabilities, and equity

20 accounts · 3 years

Total assets $573.6B

Total liabilities $512.9B

Shareholders equity $60.6B

Account	2025	2024	2023
Assets
Cash and Cash Equivalents	156.9%	175.3%	208.7%
Other Current Assets	162.8%	140.2%	155.9%
Property,Plant and Equipment	0.0%	32.9%	35.0%
Goodwill	43.3%	41.4%	45.0%
Other Noncurrent Assets	162.8%	140.2%	155.9%
Total Assets	2266.5%	2122.6%	2310.3%
Liabilities
Current Portion of Long Term Debt	225.6%	233.8%	299.2%
Total Current Liabilities	2026.9%	1916.2%	2099.9%
Long Term Debt	225.6%	233.8%	299.2%
Deferred Tax Liabilities	0.0%	10.9%	12.1%
Total Liabilities	2026.9%	1916.2%	2099.9%
Equity
Preferred Stock	0.0%	0.1%	0.1%
Common Stock	10.7%	10.3%	11.2%
Additional Paid In Capital	74.8%	70.9%	78.2%
Retained Earnings	250.0%	224.7%	231.6%
Treasury Stock	82.6%	74.7%	79.0%
Accumulated Other Comprehensive Income	-13.5%	-24.9%	-31.7%
Noncontrolling Interest	0.2%	0.2%	0.1%
Total Stockholders Equity	239.4%	206.3%	210.2%
Total Liabilitiesand Equity	2266.5%	2122.6%	2310.3%

Income Statement

Revenue, expense, and profitability

12 accounts · 3 years

Revenue $25.3B

Operating income $5.6B

Net income $7.0B

Account	2025	2024	2023
IncomeStatement
Revenues Total Revenue	100.0%	100.0%	100.0%
Expenses Selling,General and Administrative	1.5%	1.4%	1.4%
Expenses Depreciation and Amortization	1.5%	1.0%	4.7%
Other Income Expense Interest Income	100.0%	100.0%	100.0%
Other Income Expense Income Before Tax	33.5%	27.4%	27.7%
Income Tax Income Tax Expense	5.9%	4.9%	4.5%
net Income net Income	27.6%	22.6%	23.2%
net Income Comprehensive Income	39.9%	26.7%	33.1%
Earnings Per Share Basic Eps	0.0%	0.0%	0.0%
Earnings Per Share Diluted Eps	0.0%	0.0%	0.0%
Earnings Per Share Weighted Average Shares Basic	1.6%	1.5%	1.6%
Earnings Per Share Weighted Average Shares Diluted	1.6%	1.5%	1.6%

Cash Flow Statement

Operating, investing, and financing flows

16 accounts · 3 years

Operating cash flow $4.4B

Investing cash flow $-15.6B

Financing cash flow $4.7B

Account	2025	2024	2023
CashFlow
Operating Activities net Income	27.6%	22.6%	23.2%
Operating Activities Depreciation and Amortization	1.5%	1.0%	4.7%
Operating Activities Deferred Income Taxes	-0.2%	-0.1%	-1.0%
Operating Activities Changes In Operating Assets and Liabilities	-2.8%	-6.0%	-4.9%
Operating Activities net Cash From Operating Activities	17.3%	29.9%	41.6%
Investing Activities Purchases of Investments	61.0%	115.1%	15.7%
Investing Activities Proceeds From Sale of Investments	26.3%	25.1%	28.5%
Investing Activities Other Investing Activities	10.4%	4.2%	8.2%
Investing Activities net Cash From Investing Activities	-61.7%	-12.2%	41.6%
Financing Activities Repurchase of Common Stock	5.3%	2.6%	2.7%
Financing Activities Dividends Paid	10.4%	9.6%	10.1%
Financing Activities net Cash From Financing Activities	18.6%	-34.6%	-15.9%
Cash Reconciliation Effect of Exchange Rate On Cash	156.9%	175.3%	208.7%
Cash Reconciliation net Change In Cash	-25.8%	-17.0%	67.3%
Cash Reconciliation Cash At Beginning of Period	156.9%	175.3%	208.7%
Cash Reconciliation Cash At End of Period	156.9%	175.3%	208.7%

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 3 years

Ratio	2025	2024	2023
Profitability
Gross margin	—	—	—
Operating margin	—	—	+22.9%
Net margin	+27.6%	+22.6%	+23.2%
FCF margin	—	—	—
Growth
Revenue CAGR (3y)	+17.9%	+33.3%	+29.1%
Returns
ROE	+11.5%	+10.9%	+11.0%
ROA	+1.2%	+1.1%	+1.0%
ROIC	—	—	+3.2%
Liquidity
Current ratio	—	—	—
Quick ratio	—	—	—
Leverage
D/E	8.47x	9.29x	9.99x
Interest coverage	—	—	0.54x
Efficiency
Asset turnover	0.04x	0.05x	0.04x
Cash conversion cycle	—	—	—

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PNC Financial Services

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