PNC Financial Services Group, Inc. (PNC)
The PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States. It operates through three segments: Retail Banking, Corporate & Institutional Banking, and Asset Management Group segments. The Retail Banking segment offers checking, savings, and money market accounts, and time deposit; residential mortgages, home equity loans and lines of credit, auto loans, credit cards, education loans, and personal and small business loans and lines of credit; and brokerage, insurance, and investment and cash management services. This segment serves consumer and small business customers through a network of branches, digital channels, ATMs, and through phone-based customer contact centers. The Corporate & Institutional Banking segment provides secured and unsecured loans, letters of credit, and equipment leases; cash and investment management, receivables and disbursement management, funds transfer, international payment, and access to online/mobile information management and reporting services; asset-backed financing, securities underwriting, loan syndications, mergers and acquisitions and equity capital markets advisory, and customer related services; and commercial loan servicing and technology solutions. It serves mid-sized and large corporations, and government and not-for-profit entities. The Asset Management Group segment offers investment and retirement planning, customized investment management, credit and cash management solutions, and trust management and administration services for high net worth and ultra high net worth individuals, and their families; and multi-generational family planning services. It also offers outsourced chief investment officer, custody, cash and fixed income client solutions, and retirement plan fiduciary investment services for institutional clients. The company was founded in 1865 and is headquartered in Pittsburgh, Pennsylvania.
- Symbol
- PNC
- Exchange
- NYSE
- Sector
- Financial Services
- Industry
- Banks - Regional
- Market cap
- $89.08B
- 52 week range
- 176.88 - 258.96
Valuation
- Share price
- $221.03 (close of 2026-10-02)
- P/E (TTM)
- 12.16x
- Price to book
- 1.39x
- Price to free cash flow
- 11.90x
- Enterprise value
- $146.05B
- Book value per share
- $158.96
Price performance
| Period | Change |
|---|---|
| 1 day | +0.13% |
| 5 days | -2.04% |
| 1 month | -8.84% |
| 3 months | -11.41% |
| 6 months | +4.41% |
| Year to date | +5.89% |
| 1 year | +11.54% |
| 3 years | +84.16% |
| 5 years | +11.46% |
| 10 years | +145.34% |
| All time | +8304.18% |
Members of Congress who disclosed PNC trades
Julie Johnson · Val Hoyle · Alan Armstrong · Julia Letlow · Shelley Moore Capito
Super investors holding PNC
Ken Griffin (Citadel) · Christopher Davis (Davis Selected Advisers) · David Katz (Matrix Asset Advisors Inc) · Ray Dalio (Bridgewater Associates) · Dodge & Cox (Dodge & Cox Funds) · Tweedy Browne (Tweedy Browne Company LLC) · Kahn Brothers (Kahn Brothers Group)
Profitability and growth
- Return on equity
- 11.54%
- Return on assets
- 1.22%
- Net margin
- 30.29%
- EBITDA margin
- 88.25%
- Revenue growth
- 7.16%
- Net income growth
- 17.54%
- Free cash flow growth
- -44.37%
Cash flow and balance sheet
- Free cash flow yield (TTM)
- 8.41%
- Net debt to EBITDA
- 2.84x
Latest reported year
- Period end
- 2025-12-31
- Fiscal year
- 2025
- Revenue
- $23.10B
- EBITDA
- $20.38B
- Net income
- $7.00B
- Earnings per share
- $16.60
- Interest expense
- $10.90B
- Shares outstanding
- 396.00M
Income statement by year
| Period end | Revenue | Net income | EPS |
|---|---|---|---|
| 2025-12-31 | $23.10B | $7.00B | $16.60 |
| 2024-12-31 | $21.55B | $5.95B | $13.76 |
| 2023-12-31 | $21.49B | $5.65B | $12.80 |
| 2022-12-31 | $21.12B | $6.11B | $13.86 |
| 2021-12-31 | $19.21B | $5.72B | $12.71 |
| 2020-12-31 | $16.90B | $7.56B | $16.99 |
| 2019-12-31 | $16.84B | $5.42B | $11.43 |
| 2018-12-31 | $16.19B | $5.35B | $10.79 |
| 2017-12-31 | $16.33B | $5.39B | $10.49 |
| 2016-12-31 | $15.16B | $3.98B | $7.42 |
Margins and returns by year
| Period end | Net margin | Return on equity |
|---|---|---|
| 2025-12-31 | 30.29% | 11.54% |
| 2024-12-31 | 27.62% | 10.93% |
| 2023-12-31 | 26.28% | 11.04% |
| 2022-12-31 | 28.94% | 13.34% |
| 2021-12-31 | 29.80% | 10.27% |
| 2020-12-31 | 44.72% | 13.99% |
| 2019-12-31 | 32.18% | 10.98% |
| 2018-12-31 | 33.02% | 11.19% |
| 2017-12-31 | 33.00% | 11.32% |
| 2016-12-31 | 26.28% | 8.51% |
Cash and debt by year
| Period end | Cash | Debt |
|---|---|---|
| 2025-12-31 | $39.71B | $57.10B |
| 2024-12-31 | $46.25B | $61.67B |
| 2023-12-31 | $50.73B | $72.74B |
| 2022-12-31 | $34.36B | $58.73B |
| 2021-12-31 | $82.25B | - |
| 2020-12-31 | $7.02B | - |
| 2019-12-31 | $5.06B | - |
| 2018-12-31 | $5.61B | - |
| 2017-12-31 | $5.25B | - |
Free cash flow by year
| Period end | Free cash flow | Stock-based compensation |
|---|---|---|
| 2025-12-31 | $4.38B | - |
| 2024-12-31 | $7.88B | - |
| 2023-12-31 | $10.11B | - |
| 2022-12-31 | $9.08B | - |
| 2021-12-31 | $7.21B | - |
| 2020-12-31 | $4.66B | - |
| 2019-12-31 | $7.36B | - |
| 2018-12-31 | $7.84B | - |
| 2017-12-31 | $5.58B | $200.00M |
| 2016-12-31 | $3.50B | $200.00M |
Dividend history
- Most recent payment
- 2026-07-20
- Paid in the last twelve months
- $7.10
| Payment date | Dividend per share |
|---|---|
| 2026-07-20 | $2.00 |
| 2026-04-14 | $1.70 |
| 2026-01-20 | $1.70 |
| 2025-10-14 | $1.70 |
| 2025-07-15 | $1.70 |
| 2025-04-16 | $1.60 |
| 2025-01-15 | $1.60 |
| 2024-10-16 | $1.60 |
Investor relations
Next earnings report
- Next confirmed report
- 2026-10-15
- Consensus EPS estimate
- $4.97
Past earnings dates
| Reported | Fiscal period | EPS estimate |
|---|---|---|
| 2026-07-15 | Jun/2026 | $4.51 |
| 2026-04-15 | Mar/2026 | $4.12 |
| 2026-01-16 | Dec/2025 | $4.23 |
| 2025-10-15 | Sep/2025 | $4.05 |
| 2025-07-16 | Jun/2025 | $3.56 |
| 2025-04-15 | Mar/2025 | $3.40 |
| 2025-01-16 | Dec/2024 | $3.30 |
| 2024-10-15 | Sep/2024 | $3.29 |
Filings and sources
- Company website
- pnc.com
- SEC filings
- 10-K, 10-Q and 8-K on EDGAR
- Earnings calendar
- All upcoming reports
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Price-to-earnings ratio · Discounted cash flow · Free cash flow · Earnings per share · Return on equity · Gross margin vs net margin · Reading a balance sheet · Debt and leverage · Dividend yield · Insider transactions and Form 4 · How to read a stock chart
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