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PNC Financial Services

PNC Clue Score52
United States Fiscal year ends December CIK 0000713676
$219.21 -0.21% Close, 9 Oct 2026
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Price $219.21 +9.03% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 11 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue15.16Net income3.99EPS, diluted7.30Fiscal year 2017Revenue16.33 +7.7%Net income5.39 +35.2%EPS, diluted10.36 +41.9%Fiscal year 2018Revenue16.19 −0.9%Net income5.35 −0.8%EPS, diluted10.71 +3.4%Fiscal year 2019Revenue16.84 +4.0%Net income5.42 +1.3%EPS, diluted11.39 +6.3%Fiscal year 2020Revenue16.90 +0.4%Net income7.56 +39.5%EPS, diluted16.96 +48.9%Fiscal year 2021Revenue19.21 +13.7%Net income5.73 −24.3%EPS, diluted12.70 −25.1%Fiscal year 2022Revenue21.12 +9.9%Net income6.11 +6.8%EPS, diluted13.85 +9.1%Fiscal year 2023Revenue21.49 +1.8%Net income5.65 −7.6%EPS, diluted12.79 −7.7%Fiscal year 2024Revenue21.56 +0.3%Net income5.95 +5.4%EPS, diluted13.74 +7.4%Fiscal year 2025Revenue23.10 +7.2%Net income7.00 +17.5%EPS, diluted16.59 +20.7%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 15.16 16.33 16.19 16.84 16.90 19.21 21.12 21.49 21.56 23.10
Growth +7.7% −0.9% +4.0% +0.4% +13.7% +9.9% +1.8% +0.3% +7.2%
Net income 3.99 5.39 5.35 5.42 7.56 5.73 6.11 5.65 5.95 7.00
Growth +35.2% −0.8% +1.3% +39.5% −24.3% +6.8% −7.6% +5.4% +17.5%
EPS, diluted 7.30 10.36 10.71 11.39 16.96 12.70 13.85 12.79 13.74 16.59
Growth +41.9% +3.4% +6.3% +48.9% −25.1% +9.1% −7.7% +7.4% +20.7%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin26.3%Fiscal year 2017Net margin33.0%Fiscal year 2018Net margin33.0%Fiscal year 2019Net margin32.2%Fiscal year 2020Net margin44.7%Fiscal year 2021Net margin29.8%Fiscal year 2022Net margin28.9%Fiscal year 2023Net margin26.3%Fiscal year 2024Net margin27.6%Fiscal year 2025Net margin30.3%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 26.3% 33.0% 33.0% 32.2% 44.7% 29.8% 28.9% 26.3% 27.6% 30.3%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flow
Fiscal year 2016Operating cash flow3.50Buybacks−2.06Dividends paid−1.06Fiscal year 2017Operating cash flow5.58Buybacks−2.45Dividends paid−1.27Fiscal year 2018Operating cash flow7.84Buybacks−2.88Dividends paid−1.60Fiscal year 2019Operating cash flow7.36Buybacks−3.58Dividends paid−1.90Fiscal year 2020Operating cash flow4.66Buybacks−1.62Dividends paid−1.98Fiscal year 2021Operating cash flow7.21Buybacks−1.08Dividends paid−2.06Fiscal year 2022Operating cash flow9.08Buybacks−3.73Dividends paid−2.39Fiscal year 2023Operating cash flow10.11Buybacks−0.65Dividends paid−2.46Fiscal year 2024Operating cash flow7.88Buybacks−0.69Dividends paid−2.54Fiscal year 2025Operating cash flow4.38Buybacks−1.34Dividends paid−2.64
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 3.50 5.58 7.84 7.36 4.66 7.21 9.08 10.11 7.88 4.38
Buybacks −2.06 −2.45 −2.88 −3.58 −1.62 −1.08 −3.73 −0.65 −0.69 −1.34
Dividends paid −1.06 −1.27 −1.60 −1.90 −1.98 −2.06 −2.39 −2.46 −2.54 −2.64

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Shareholders’ equity45.70Fiscal year 2017Cash5.25Shareholders’ equity47.51Fiscal year 2018Cash5.61Shareholders’ equity47.73Fiscal year 2019Cash5.06Shareholders’ equity49.31Fiscal year 2020Cash7.02Shareholders’ equity54.01Fiscal year 2021Cash82.25Shareholders’ equity55.70Fiscal year 2022Cash34.36Total debt58.73Net cash (debt)−24.36Shareholders’ equity45.77Debt to equity1.28Fiscal year 2023Cash50.73Total debt72.74Net cash (debt)−22.01Shareholders’ equity51.11Debt to equity1.42Fiscal year 2024Cash46.25Total debt61.67Net cash (debt)−15.42Shareholders’ equity54.43Debt to equity1.13Fiscal year 2025Cash39.71Total debt57.10Net cash (debt)−17.39Shareholders’ equity60.59Debt to equity0.94
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash n/a 5.25 5.61 5.06 7.02 82.25 34.36 50.73 46.25 39.71
Total debt n/a n/a n/a n/a n/a n/a 58.73 72.74 61.67 57.10
Net cash (debt) n/a n/a n/a n/a n/a n/a −24.36 −22.01 −15.42 −17.39
Shareholders’ equity 45.70 47.51 47.73 49.31 54.01 55.70 45.77 51.11 54.43 60.59
Debt to equity n/a n/a n/a n/a n/a n/a 1.28 1.42 1.13 0.94

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Income statement

In billions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Revenue and profit
15.16 16.33 16.19 16.84 16.90 19.21 21.12 21.49 21.56 23.10
Growth +7.7% −0.9% +4.0% +0.4% +13.7% +9.9% +1.8% +0.3% +7.2%
5.25 5.49 5.49 5.49 3.43 6.99 7.47 6.74 7.24 8.49
1.27 0.10 0.93 0.90 0.43 1.26 1.36 1.09 1.29 1.49
3.99 5.39 5.35 5.42 7.56 5.73 6.11 5.65 5.95 7.00
Growth +35.2% −0.8% +1.3% +39.5% −24.3% +6.8% −7.6% +5.4% +17.5%
Per share
7.42 10.49 10.79 11.43 16.99 12.71 13.86 12.80 13.76 16.60
7.30 10.36 10.71 11.39 16.96 12.70 13.85 12.79 13.74 16.59
Growth +41.9% +3.4% +6.3% +48.9% −25.1% +9.1% −7.7% +7.4% +20.7%
494.0 481.0 467.0 447.0 427.0 426.0 412.0 401.0 399.0 396.0
500.0 486.0 470.0 448.0 427.0 426.0 412.0 401.0 400.0 396.0
Growth −2.8% −3.3% −4.7% −4.7% −0.2% −3.3% −2.7% −0.2% −1.0%

Five years in brief

Worked out from the figures above, not from a press release
  • Revenue grew 6.4% a year over five years, and earnings per share fell 0.4% a year.
  • The diluted share count fell 7.3% in five years, so buybacks did some of the work per share.
  • Profitable in every one of the 10 years on file.