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PNC PNC FINANCIAL SERVICES GROUP, INC.

NYSEFinancialsNational Commercial BanksPittsburgh, PAFY ends December 31

FY2025 10-K filed Feb 20, 2026

FY2025 at a glance

Fundamentals from SEC filings, not quotes
Revenue
$23.1BYoYup 7.16%ended Dec 31, 2025
Net income
—
Diluted EPS
$16.59YoYup 20.74%
Free cash flow
—
Cash
$39.7B
Total debt
—Not meaningful for financial companies
About PNC FINANCIAL SERVICES GROUP, INC.

Overview

PNC FINANCIAL SERVICES GROUP, INC. (PNC) is listed on NYSE; the SEC classifies it under "National Commercial Banks".

For fiscal 2025 (ended Dec 31, 2025) it reported revenue of $23.1B, up 7.2% from fiscal 2024.

At fiscal year end it had total assets of $573.57B and stockholders' equity of $60.59B (10.6% of assets).

Financial company (SIC 6000–6799): gross margin, current ratio, debt figures, interest coverage, the F-Score and Z'' are not meaningful for bank and insurer balance sheets, so they are left blank.

Fiscal years shown
FY2016–FY2025 (10 years)
Latest 10-K
Feb 20, 2026
Latest filing
10-QNov 3, 2026
FY2016–FY2025 · annual 10-K

Charts

Revenue and net income

Revenue and net income, fiscal years FY2016 to FY2025.
PeriodRevenue
FY2016$15.2B
FY2017$16.3B
FY2018$17.1B
FY2019$17.8B
FY2020$16.9B
FY2021$19.2B
FY2022$21.1B
FY2023$21.5B
FY2024$21.6B
FY2025$23.1B

Diluted EPS

Diluted EPS, fiscal years FY2016 to FY2025.
PeriodEPS (diluted)
FY2016$7.30
FY2017$10.36
FY2018$10.71
FY2019$11.39
FY2020$16.96
FY2021$12.70
FY2022$13.85
FY2023$12.79
FY2024$13.74
FY2025$16.59

Diluted shares

Diluted shares, fiscal years FY2016 to FY2025.
PeriodDiluted shares (weighted)
FY2016500M
FY2017486M
FY2018470M
FY2019448M
FY2020427M
FY2021426M
FY2022412M
FY2023401M
FY2024400M
FY2025396M

Cash vs total debt

Cash vs total debt, fiscal years FY2016 to FY2025.
PeriodCash & equivalents
FY2016—
FY2017—
FY2018—
FY2019—
FY2020$7.02B
FY2021$8B
FY2022$7.04B
FY2023$6.92B
FY2024$46.3B
FY2025$39.7B

Total debt: Not meaningful for financial companies

Each bar is one fiscal year as reported in its 10-K; bars below the zero line are negative and gaps are years not reported. Per-share figures are as reported, not adjusted for stock splits; comparisons across a likely split are left blank.

FY2025 · 5-year trend

Ratios

Profitability

Gross marginNot meaningful for financial companies
—

Growth

Growth. Compound annual growth: (end ÷ start)^(1 ÷ years) − 1, both ends positive.
Metric1y3y CAGR5y CAGR9y CAGR
Revenueup 7.16%up 3.03%up 6.45%up 4.79%
EPS (diluted)up 20.74%up 6.20%down 0.44%up 9.55%
Free cash flow————
Change in share count
-1.00%

Financial strength

Current ratioNot meaningful for financial companies
—
Debt / equityNot meaningful for financial companies
—
Liabilities / assets
89.4%
Net debtNot meaningful for financial companies
—
Interest coverageNot meaningful for financial companies
—
Equity / assets
10.6%

Shareholder returns

Dividends per share
$6.60
Dividends paid
$2.64B
Buybacks
$1.34B

Financial company (SIC 6000–6799): gross margin, current ratio, debt figures, interest coverage, the F-Score and Z'' are not meaningful for bank and insurer balance sheets, so they are left blank.

Piotroski F-Score · Altman Z''-Score

Quality screens

Piotroski F-Score

Not meaningful for financial companies.

Altman Z''-Score

Not meaningful for financial companies.

Screening heuristic, not a recommendation. Financial company (SIC 6000–6799): gross margin, current ratio, debt figures, interest coverage, the F-Score and Z'' are not meaningful for bank and insurer balance sheets, so they are left blank.

Last 10 fiscal years · newest first

Financial statements

USD millions, except per-share figures (USD). Share counts in millions.

Income statement

Income statement. USD millions, except per-share figures (USD). Share counts in millions.
MetricFY2025Dec 31, 2025FY2024Dec 31, 2024FY2023Dec 31, 2023FY2022Dec 31, 2022FY2021Dec 31, 2021FY2020Dec 31, 2020FY2019Dec 31, 2019FY2018Dec 31, 2018FY2017Dec 31, 2017FY2016Dec 31, 2016
Revenue23,09921,55521,49021,12019,21116,90117,82717,13216,32915,162
YoY (Revenue)+7.16%+0.30%+1.75%+9.94%+13.67%——+4.92%+7.70%—
Interest expense——10,3922,4224871,3613,7972,8611,7061,261
Pretax income8,4867,2426,7367,4736,9883,4296,4806,4285,4905,253
Income tax1,4891,2891,0891,3601,2634261,0621,0821021,268
EPS (basic)16.6013.7612.8013.8612.7116.9911.4310.7910.497.42
EPS (diluted)16.5913.7412.7913.8512.7016.9611.3910.7110.367.30
YoY (EPS (diluted))+20.74%+7.43%-7.65%+9.06%-25.12%+48.90%+6.35%+3.38%+41.92%—
Diluted shares (weighted)396400401412426427448470486500

Balance sheet

Balance sheet. USD millions, except per-share figures (USD). Share counts in millions.
MetricFY2025Dec 31, 2025FY2024Dec 31, 2024FY2023Dec 31, 2023FY2022Dec 31, 2022FY2021Dec 31, 2021FY2020Dec 31, 2020FY2019Dec 31, 2019FY2018Dec 31, 2018FY2017Dec 31, 2017FY2016Dec 31, 2016
Cash & equivalents39,71346,2516,9217,0438,0047,017————
Goodwill10,95910,93210,93210,98710,9169,2339,2339,2189,1739,103
Total assets573,572560,038561,580557,263557,191466,679410,295382,315380,768366,380
Long-term debt57,10161,67372,73758,726——————
Total liabilities512,936505,569510,439511,451501,465412,638360,952334,545333,183319,526
Retained earnings63,26659,28256,29053,57250,22846,84842,21538,91935,48131,670
Stockholders' equity60,58554,42551,10545,77455,69554,01049,31447,72847,51345,699
Shares outstanding403396398400418424429454472486

Cash flow

Cash flow. USD millions, except per-share figures (USD). Share counts in millions.
MetricFY2025Dec 31, 2025FY2024Dec 31, 2024FY2023Dec 31, 2023FY2022Dec 31, 2022FY2021Dec 31, 2021FY2020Dec 31, 2020FY2019Dec 31, 2019FY2018Dec 31, 2018FY2017Dec 31, 2017FY2016Dec 31, 2016
Operating cash flow4,3847,88010,1119,0837,2144,6597,3637,840——
Depreciation & amortization3812591,1491,1391,0669831,035940921843
Stock-based compensation————————200200
Share repurchases1,3386876513,7311,0791,6243,5782,8772,4472,062
Dividends paid2,6352,5372,4612,3912,0561,9801,8951,6011,2661,061
Dividends per share6.606.306.10—————2.60—
Key financials (annual, 10-K)

Values as reported in each fiscal year's Form 10-K (XBRL data on SEC EDGAR); growth and ratios are computed from those values. Revenue is the total revenue figure the company tagged (omitted when the only figure tagged is evidently partial, e.g. below net income); growth is only shown between consecutive ~12-month fiscal years reported with the same revenue measure. Per-share figures and share counts are as reported and not adjusted for later stock splits. — = not reported.

FY2025 · per diluted weighted share

Per share and valuation context

EPS (diluted)
$16.59
Revenue per share
$58.33
Book value per share
$152.99
Tangible book per share
$125.32
Cash per share
$100.29
Dividends per share
$6.60
Public floatas of Jun 30, 2025
$73.2B

Price ratios need a live quote. This page shows no stock prices. Per-share figures are as reported, not adjusted for stock splits; comparisons across a likely split are left blank.

Price ratio calculator

Type a share price to compute ratios from the latest 10-K figures. Nothing is stored or sent. (FY2025)

Market capPrice × diluted weighted shares
—
P/EPrice ÷ diluted EPS
—
P/BPrice ÷ book value per share
—
P/SPrice ÷ revenue per share
—
P/FCFPrice ÷ FCF per share
—
Dividend yieldDividends per share ÷ price
—
SEC EDGAR

Filing timeline

  1. 10-QNew
    Quarterly report· Sep 30, 2026(SEC EDGAR)
  2. 8-K
    Current report· Oct 20, 2026(SEC EDGAR)
    • 8.01Other events
    • 9.01Financial statements and exhibits
  3. 8-K
    Current report· Oct 15, 2026(SEC EDGAR)
    • 7.01Regulation FD disclosure
    • 9.01Financial statements and exhibits
  4. 8-K
    Current report· Oct 15, 2026(SEC EDGAR)
    • 2.02Results of operations
    • 9.01Financial statements and exhibits
  5. 8-K
    Current report· Sep 29, 2026(SEC EDGAR)
    • 8.01Other events
    • 9.01Financial statements and exhibits
  6. 10-Q
    Quarterly report· Jun 30, 2026(SEC EDGAR)
  7. 8-K
    Current report· Jul 16, 2026(SEC EDGAR)
    • 8.01Other events
    • 9.01Financial statements and exhibits
  8. 8-K
    Current report· Jul 15, 2026(SEC EDGAR)
    • 7.01Regulation FD disclosure
    • 9.01Financial statements and exhibits
  9. 8-K
    Current report· Jul 15, 2026(SEC EDGAR)
    • 2.02Results of operations
    • 9.01Financial statements and exhibits
  10. 8-K
    Current report· Jun 22, 2026(SEC EDGAR)
    • 7.01Regulation FD disclosure
    • 9.01Financial statements and exhibits
All filings on SEC EDGAR
SIC 6021 · National Commercial Banks

Peers (same SIC code)

Peers (same SIC code)
TickerRevenue (FY)YoYNet marginROEF-Score5y revenue
JPMJPMORGAN CHASE & CO$182B—31.3%———
BACBANK OF AMERICA CORP$113B—27.0%———
CCITIGROUP INC$85.2B—16.8%———
WFCWELLS FARGO & COMPANY$83.7B—25.5%———
COFCAPITAL ONE FINANCIAL CORP$53.4Bup 36.62%4.6%2.8%—
USBUS BANCORP$28.7Bup 4.37%26.4%12.2%—
PNCPNC FINANCIAL SERVICES GROUP, INC. (This company)$23.1Bup 7.16%———
UBSUBS Group AG——————
MFGMIZUHO FINANCIAL GROUP INC——————
Peer median$84.5Bup 20.50%26.0%7.5%——

Companies with the same 4-digit SIC code, ordered by latest revenue. The median excludes this company. — = not reported or not computable.

Frequently asked questions

What does PNC FINANCIAL SERVICES GROUP, INC. do?

The SEC classifies PNC FINANCIAL SERVICES GROUP, INC. under Standard Industrial Classification (SIC) code 6021, "National Commercial Banks". It is headquartered in Pittsburgh, PA. It is incorporated in PA. In fiscal 2025 it reported revenue of $23.1B in its annual 10-K report.

What was PNC FINANCIAL SERVICES GROUP, INC.'s revenue in 2025?

PNC FINANCIAL SERVICES GROUP, INC. reported revenue of $23.1B for fiscal 2025, which ended Dec 31, 2025, up 7.2% from $21.56B in fiscal 2024, according to its annual 10-K report filed with the SEC on Feb 20, 2026.

Where is PNC FINANCIAL SERVICES GROUP, INC. listed?

According to the SEC, PNC FINANCIAL SERVICES GROUP, INC.'s ticker PNC is listed on NYSE.

When does PNC FINANCIAL SERVICES GROUP, INC.'s fiscal year end?

According to the SEC, PNC FINANCIAL SERVICES GROUP, INC.'s fiscal year ends on December 31; its latest reported fiscal year (2025) ended Dec 31, 2025.

Source: SEC EDGAR · Last updated:

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Not investment advice: This page shows financial data that companies reported to the US Securities and Exchange Commission, for information only. It is not investment advice or a recommendation to buy or sell any security, and it shows no stock prices. Data may be incomplete, restated or out of date — check the original filings on SEC EDGAR before making decisions.