PNC Financial Services
PNC NYSE· Diversified Banks
Last close · Oct 26, 2026
$225.84
KIRA · Stoqly’s AI analyst, in plain words
- PNC Financial Services had $23.1B of revenue in fiscal 2025, up 7.2% on the year before. Over five years, revenue changed +6.5% a year on average.
- PNC Financial Services made $7.0B of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 9.6% a year.
- PNC Financial Services returned $4.0B to shareholders in fiscal 2025. The diluted share count fell 1.0%.
- It earned 12.2% on shareholders’ money. Running costs took 59.9% of revenue (the efficiency ratio; lower is better).
Market cap
$89.4B
P/E
12.4x
Revenue
$23.1B
Net income
$7.0B
Return on equity
12.2%
Efficiency ratio
59.9%
PNC Financial Services in 30 seconds · fiscal 2025
Are sales growing?
+7.2%
Yes. Sales grew 7.2% last year.
Does it make a profit?
30.3%
Yes. It keeps 30.3% of every sale as profit.
How lean are its costs?
59.9%
Average. Running costs take 59.9% of revenue.
How much does it earn on its capital?
12.2%
Good. It earns 12.2% a year on shareholders’ money.
How is the share priced?
12.4x
One share costs 12.4 times its yearly profit per share. Typical for its sector: 13.7x.
What PNC Financial Services does
PNC is a bank holding company based in Pittsburgh, Pennsylvania, and says it is one of the largest diversified financial institutions in the United States. It has businesses in retail banking, corporate and institutional banking, and asset management. It serves individuals and businesses with deposits, loans and fee-based services, and offers specialized services for corporations and government entities, including real estate finance and asset-based lending, plus wealth management. Its retail branch network runs coast to coast, and it has offices in four other countries. It does most of its business through PNC Bank, a national bank chartered in Wilmington, Delaware. A bank makes money mainly from the difference between interest it earns on loans and pays on deposits, plus fees. At the end of 2025, PNC's total assets were $573.6 billion and its total deposits were $440.9 billion. Its non-bank subsidiaries do market-making, securities underwriting and advisory work.
Biggest risks, in its own words
- Weak economic conditions that hurt its customers and its own results.
- Customers and other parties not repaying loans, and a mix of assets that could raise credit losses.
- Changing interest rates and Federal Reserve policy, which affect its earnings.
- Capital and liquidity rules that affect its ability to pay dividends, and a credit rating downgrade.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 20, 2026
- Legal name
- PNC FINANCIAL SERVICES GROUP, INC.
- CIK
- 0000713676
PNC Financial Services · PNC
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $19.2B | $21.1B | $21.5B | $21.6B | $23.1B |
| Revenue growth | 13.7% | 9.9% | 1.8% | 0.3% | 7.2% |
| Net interest income | $10.6B | $13.0B | $13.9B | $13.5B | $14.4B |
| Net income | $5.7B | $6.1B | $5.6B | $6.0B | $7.0B |
| Net margin | 29.8% | 28.9% | 26.3% | 27.6% | 30.3% |
| Diluted EPS | $12.70 | $13.85 | $12.79 | $13.74 | $16.59 |
| Cash | |||||
| Dividends paid | $2.1B | $2.4B | $2.5B | $2.5B | $2.6B |
| Share buybacks | $1.1B | $3.7B | $651M | $687M | $1.3B |
| Share count change | −0.2% | −3.3% | −2.7% | −0.3% | −1.0% |
| Debt and strength | |||||
| Loans, net | $283.5B | $321.3B | $316.7B | $312.0B | $327.1B |
| Deposits | $457.3B | $436.3B | $421.4B | $426.7B | $440.9B |
| Shareholders' equity | $55.7B | $45.8B | $51.1B | $54.4B | $60.6B |
| Returns and quality | |||||
| Return on equity | 10.4% | 12.1% | 11.7% | 11.3% | 12.2% |
| Return on tangible equity | 12.1% | 14.4% | 13.7% | 13.1% | 14.1% |
| Efficiency ratio | 67.7% | 62.4% | 65.2% | 62.7% | 59.9% |
Insiders bought, 12 months
$0.0M
1 insider
Insiders sold, 12 months
$27.2M
9 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
PNC Financial Services · PNC
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
Similar companies
Each company’s latest fiscal year. Fiscal years end in different months, so periods don’t line up exactly.
| Company | Market cap | Growth | Net margin | ROE | P/E | F-score |
|---|---|---|---|---|---|---|
| PNC Financial Services PNC | $89.4B | 7.2% | 30.3% | 12.2% | 12.4x | — |
| Truist Financial TFC | $63.7B | 53.0% | 26.1% | 8.2% | 11.2x | — |
| U.S. Bancorp USB | $93.0B | 4.4% | 26.4% | 12.2% | 11.9x | — |
| Wells Fargo WFC | $268.0B | 1.7% | 25.5% | 11.9% | 12.0x | — |
| Citigroup C | $226.7B | 5.6% | 16.8% | 6.8% | — | — |
Price compared with profit (P/E)
How many times its yearly profit per share one share costs. Higher means investors pay more for each unit of profit.
KIRA
At $225.84 a share, the company is worth $89.4B: 12.4 times its earnings of the last four quarters.
PNC Financial Services grew sales faster than 3 of its 4 similar companies. Its P/E is higher than 3 of 3.
Source: SEC EDGAR XBRL filings (CIK 0000713676). Data updated October 23, 2026. For information only — not investment advice. Check the original filings before relying on any figure.