PNC Financial Services

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

                    Revenue
                    FY2025
                
$25.3B
                    3y CAGR +17.9%
                    
                    P67
                    
                    -4.1%
                    
                    Net income
                    FY2025
                
$7.0B
                    Net margin +27.6%
                    
                    P67
                    
                    +17.5%
                    
                    Total assets
                    FY2025
                
$573.6B
                    ROA +1.2%
                    
                    P29
                    
                    +2.4%
                    
                    Operating cash flow
                    FY2025
                
$4.4B
                    
                    -44.4%

19 yrs · FY2007–FY2025 8 filed · 0 derived · 1 blank

1Y 3Y 5Y 10Y

Dollars % of revenue % of assets YoY % CAGR

Year-over-year change per cell; first column has no prior.

Balance Sheet

Assets, liabilities, and equity

19 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	-14.1%	-8.8%	+47.6%	-58.2%	-10.8%	+223.8%	+72.6%	-51.2%	+10.6%	—
Investment Securities	-1.1%	+5.4%	-4.9%	+4.8%	+49.7%	+2.3%	-40.6%	+91.9%	+0.2%	—
Loans net	+4.8%	-1.5%	-1.4%	+13.3%	+19.8%	-1.4%	+7.3%	+2.6%	+4.6%	—
Goodwill	+0.2%	+0.0%	-0.5%	+0.7%	+18.2%	+0.0%	+0.2%	+0.5%	+0.8%	—
Other Assets	+12.7%	+0.9%	-1.2%	+7.9%	+19.3%	-13.1%	-8.8%	+14.9%	+2.9%	—
Total Assets	+2.4%	-0.3%	+0.8%	+0.0%	+19.4%	+13.7%	+7.3%	+0.4%	+3.9%	—
Liabilities
Deposits	+3.3%	+1.3%	-3.4%	-4.6%	+25.2%	+26.6%	+7.7%	+1.1%	+3.1%	—
Long Term Debt	-7.4%	-15.2%	+216.7%	-17.0%	-9.8%	-12.7%	+13.7%	-7.1%	+7.4%	—
Other Liabilities	-12.8%	+5.4%	-19.1%	+21.8%	+26.0%	-37.3%	+46.4%	+3.3%	-0.0%	—
Total Liabilities	+1.5%	-1.0%	-0.2%	+2.0%	+21.5%	+14.3%	+7.9%	+0.4%	+4.3%	—
Equity
Total Stockholders Equity	+11.3%	+6.5%	+11.6%	-17.8%	+3.1%	+9.5%	+3.3%	+0.5%	+4.0%	—
Common Stock	+0.0%	+0.0%	+0.1%	+0.0%	+0.0%	+0.0%	+0.0%	+0.0%	+0.0%	—
Retained Earnings	+6.7%	+5.3%	+5.1%	+6.7%	+7.2%	+11.0%	+8.5%	+9.7%	+12.0%	—
Accumulated Other Comprehensive Income	+48.1%	+14.9%	+24.2%	-2587.0%	-85.2%	+246.7%	+210.2%	-389.9%	+44.2%	—
Preferred Stock	—	—	—	—	—	—	—	—	—	—
Additional Paid In Capital	+1.1%	-1.6%	+3.5%	+5.3%	+9.9%	-3.0%	+0.6%	-0.6%	-1.7%	—
Treasury Stock	+6.1%	+2.7%	+2.6%	+23.8%	+6.4%	+11.1%	+35.2%	+36.9%	+36.3%	—
Noncontrolling Interest	+15.9%	+22.2%	-5.3%	+22.6%	+0.0%	+6.9%	-31.0%	-41.7%	-93.8%	—
Total Liabilitiesand Equity	+2.4%	-0.3%	+0.8%	+0.0%	+19.4%	+13.7%	+7.3%	+0.4%	+3.9%	—

Income Statement

Revenue, expense, and profitability

11 accounts · 10 years

Revenue $25.3B

Operating income Not reported

Net income $7.0B

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
IncomeStatement
Interest Income Total Interest Income	-4.1%	+8.5%	+57.5%	+38.6%	-1.5%	-17.8%	+9.4%	+16.3%	+12.0%	—
Interest Expense Interest Expense	-15.4%	+24.0%	+329.1%	+397.3%	-64.2%	-64.2%	+32.7%	+67.7%	+35.3%	—
net Interest Income net Interest Income	+6.7%	-3.0%	+6.9%	+22.2%	+7.0%	-0.2%	+2.5%	+6.7%	+8.5%	—
Noninterest Income Total Noninterest Income	+7.9%	+6.4%	-6.6%	-5.3%	+23.1%	+1.2%	+6.3%	-10.4%	+6.6%	—
Expenses Noninterest Expense	+2.3%	-3.5%	+6.4%	+1.3%	+26.3%	-2.6%	+2.7%	-1.0%	+9.7%	—
Income Tax Income Tax Expense	+15.5%	+18.4%	-19.9%	+7.7%	-23.4%	+55.2%	-1.8%	+960.8%	-92.0%	—
net Income Other Items Below Tax	+1.3%	-6.3%	-55.6%	—	—	+2587.0%	-77.2%	—	—	—
net Income net Income	+17.5%	+5.4%	-7.6%	—	—	+39.5%	+1.3%	-0.8%	+35.2%	—
Earnings Per Share Diluted Eps	+20.7%	+7.4%	-7.7%	+9.1%	-25.1%	+48.9%	+6.3%	+3.4%	+41.9%	—
Earnings Per Share Basic Eps	+20.6%	+7.5%	-7.6%	+9.0%	-25.2%	+48.6%	+5.9%	+2.9%	+41.4%	—
Earnings Per Share Weighted Average Shares Diluted	-1.0%	-0.2%	-2.7%	-3.3%	-0.2%	-4.7%	-4.7%	-3.3%	-2.8%	—

Cash Flow Statement

Operating, investing, and financing flows

11 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 Cash From Operating Activities	-44.4%	-22.1%	+11.3%	+25.9%	+54.8%	-36.7%	-6.1%	+40.5%	+53.5%	—
Operating Activities net Income	+17.5%	+5.4%	-7.6%	+6.8%	-24.3%	+39.5%	+1.3%	-0.8%	+35.2%	—
Operating Activities Depreciation and Amortization	+47.1%	+19.4%	-66.7%	-63.3%	+18.4%	+13.8%	+16.5%	+1.1%	-6.4%	—
Operating Activities Other Non Cash Items	-279.5%	-60.7%	+83.1%	+916.5%	+93.5%	-797.8%	-53.8%	+247.4%	+40.0%	—
Investing Activities net Cash From Investing Activities	-383.2%	-132.0%	+116.7%	-2059.5%	+94.5%	-104.6%	-529.6%	+73.4%	-100.1%	—
Investing Activities Other Investing Activities	-383.2%	-132.0%	+116.7%	-2059.5%	+94.5%	-104.6%	-529.6%	+73.4%	-100.1%	—
Financing Activities net Cash From Financing Activities	+151.5%	-136.7%	-213.9%	+198.6%	-107.1%	+183.5%	+586.3%	-136.3%	+109.6%	—
Financing Activities Dividends Paid	-1.9%	-0.4%	-6.9%	-17.6%	-3.6%	-3.7%	-16.0%	-22.3%	-18.3%	—
Financing Activities Repurchase of Common Stock	-94.8%	-5.5%	+82.6%	-245.8%	+33.6%	+54.6%	-24.4%	-17.6%	-18.7%	—
Financing Activities Other Financing Activities	+261.8%	-1606.5%	-103.3%	+15423.4%	-100.1%	+129.3%	+1795.9%	-91.2%	+71.4%	—
Cash Reconciliation net Change In Cash	-46.1%	-127.3%	+134.2%	-4952.2%	-49.5%	+457.6%	-252.4%	-3.0%	-54.5%	—

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	—	—	—	—	—	—	—	—	—	—
Net margin	+27.6%	+22.6%	+23.2%	+39.6%	—	+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%	—	+14.0%	+11.0%	+11.2%	+11.3%	+8.7%
ROA	+1.2%	+1.1%	+1.0%	+1.1%	—	+1.6%	+1.3%	+1.4%	+1.4%	+1.1%
ROIC	—	—	—	—	—	—	—	—	—	—
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	—	—	—	—	—	—	—	—	—	—
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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