PNC Financial Services vs Truist Financial
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The short version
- PNC Financial Services is the larger business, with $23.1B of revenue in fiscal 2025 against $20.3B for Truist Financial.
- Truist Financial grew revenue faster (53.0%, against 7.2%).
- Investors pay more for each dollar of PNC Financial Servicesβs earnings: a P/E of 12.4x against 11.1x for Truist Financial.
| Latest fiscal year | PNC Β· FY25 | TFC Β· FY25 |
|---|---|---|
| Size | ||
| Market cap | $88.9B | $63.1B |
| Revenue | $23.1B | $20.3B |
| Free cash flow | β | β |
| Net income | $7.0B | $5.3B |
| Growth | ||
| Revenue growth | 7.2% | 53.0% |
| 5-year growth | 6.5% | β2.2% |
| Share count change | β1.0% | β2.1% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 30.3% | 26.1% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 12.2% | 8.2% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $4.0B | $5.2B |
| Valuation & quality | ||
| P/E | 12.4x | 11.1x |
| Piotroski F-score | β | β |
Revenue
FY16
PNC $15.2B
TFC $10.8B
FY17
PNC $16.3B
TFC $11.3B
FY18
PNC $16.2B
TFC $11.6B
FY19
PNC $16.8B
TFC $12.6B
FY20
PNC $16.9B
TFC $22.7B
FY21
PNC $19.2B
TFC $22.3B
FY22
PNC $21.1B
TFC $20.0B
FY23
PNC $21.5B
TFC $20.0B
FY24
PNC $21.6B
TFC $13.3B
FY25
PNC $23.1B
TFC $20.3B
PNC
TFC
Operating margin
FY16
PNC β
TFC β
FY17
PNC β
TFC β
FY18
PNC β
TFC β
FY19
PNC β
TFC β
FY20
PNC β
TFC β
FY21
PNC β
TFC β
FY22
PNC β
TFC β
FY23
PNC β
TFC β
FY24
PNC β
TFC β
FY25
PNC β
TFC β
PNC
TFC
Free cash flow
FY16
PNC β
TFC β
FY17
PNC β
TFC β
FY18
PNC β
TFC β
FY19
PNC β
TFC β
FY20
PNC β
TFC β
FY21
PNC β
TFC β
FY22
PNC β
TFC β
FY23
PNC β
TFC β
FY24
PNC β
TFC β
FY25
PNC β
TFC β
PNC
TFC
Return on capital
FY16
PNC β
TFC β
FY17
PNC β
TFC β
FY18
PNC β
TFC β
FY19
PNC β
TFC β
FY20
PNC β
TFC β
FY21
PNC β
TFC β
FY22
PNC β
TFC β
FY23
PNC β
TFC β
FY24
PNC β
TFC β
FY25
PNC β
TFC β
PNC
TFC
Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.