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PNC Financial Services
PNCFinancialsGenerated Jul 5, 2026, 08:10 PM UTC
PNC (PNC Financial Services) analytical snapshot. Revenue grew +1.8% YoY to $21.49B. 5-year revenue CAGR +5.0%; 10y CAGR +3.8%. Net margin at 0.00% (contracting ▼). Market cap $100.19B at $249.49 per share. Trailing P/E 19.51, P/S 4.66, P/B 1.57. EV/Operating income ≈ 23.82 (EV $135.15B). Risk: Elevated. Macro: Risk-on · Supportive. Composite analytical score 4 (data confidence 69%). Descriptive analytics from public filings — not investment advice.
Market cap
$100.19B
401.56M shares
Price
$249.49
NYQ
P/E (ttm)
19.51
Revenue (FY)
$21.49B
YoY +1.8%
Net margin
0.00%
▼ 0.00pp
Free cash flow
—
Risk level
Elevated
Free SEC analysis
— computed from SEC filings, free to readFree previewFundamentals Analyst
Fundamentals
Fundamentals Analyst
score -5Stable
60% conf
Revenue grew +1.8% YoY to $21.49B. 5-year revenue CAGR +5.0%; 10y CAGR +3.8%. Net margin at 0.00% (contracting ▼).
- Revenue grew +1.8% YoY to $21.49B.
- 5-year revenue CAGR +5.0%; 10y CAGR +3.8%.
- Net margin at 0.00% (contracting ▼).
- Return on equity 0.00%, ROA 0.00%, ROIC 0.00%.
- Gross margin 0.00%, operating margin 0.00%.
- Debt/equity 1.05, current ratio —, net debt $34.97B.
- Asset turnover 0.04 — capital efficiency.
Revenue (FY)
$21.49B
YoY +1.8%
Net margin
0.00%
▼ 0.00pp
ROE
0.00%
ROA 0.00%
ROIC
0.00%
EPS (diluted)
$12.79
FY2025
Free cash flow
—
Debt / equity
1.05
Cash $31.70B
Current ratio
—
Equity $63.63B
Annual fundamentals — up to 10 years (SEC 10-K, US-GAAP)
| FY | Revenue | Rev YoY | Gross% | Op% | Net% | FCF | ROE% |
|---|---|---|---|---|---|---|---|
| 2016 | $15.38B | — | 0.00 | 0.00 | 0.00 | — | 0.00 |
| 2017 | $15.22B | -1.0% | 0.00 | 0.00 | 0.00 | — | 0.00 |
| 2018 | $15.16B | -0.4% | 0.00 | 0.00 | 0.00 | — | 0.00 |
| 2019 | — | — | — | — | — | — | 0.00 |
| 2020 | $16.19B | — | 0.00 | 27.88 | 0.00 | — | 0.00 |
| 2021 | $16.84B | +4.0% | 0.00 | 26.97 | 0.00 | — | 0.00 |
| 2022 | $16.90B | +0.4% | 0.00 | 17.53 | 0.00 | — | 0.00 |
| 2023 | $19.21B | +13.7% | 0.00 | 29.54 | 0.00 | — | 0.00 |
| 2024 | $21.12B | +9.9% | 0.00 | 0.00 | 0.00 | — | 0.00 |
| 2025 | $21.49B | +1.8% | 0.00 | 0.00 | 0.00 | — | 0.00 |
Quarterly revenue trend (last 6 quarters, SEC 10-Q)
| Quarter end | Revenue | YoY | QoQ | Net margin |
|---|---|---|---|---|
| Mar 31, 2025 | $5.45B | +6.0% | — | — |
| Jun 30, 2025 | $11.11B | +5.3% | +103.8% | — |
| Jun 30, 2025 | $5.66B | -46.4% | -49.1% | — |
| Sep 30, 2025 | $17.03B | +6.5% | +200.8% | — |
| Sep 30, 2025 | $5.92B | -63.0% | -65.3% | — |
| Mar 31, 2026 | $6.17B | +13.1% | +4.2% | — |
Revenue (annual, SEC 10-K)
2016: 15,375
2017: 15,225
2018: 15,162
2019: 0
2020: 16,190
2021: 16,839
2022: 16,901
2023: 19,211
2024: 21,120
2025: 21,490
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Profitability trends (%)
GrossOperatingNet
Sources:SEC EDGAR — Company Facts (XBRL)
Free previewRegulatory Analyst
Filings & Ownership
Regulatory Analyst
score 30Improving
80% conf
Latest annual report (10-K) filed Feb 20, 2026. Latest quarterly report (10-Q) filed May 5, 2026. 11 recent 8-K material-event filings in the index.
- Latest annual report (10-K) filed Feb 20, 2026.
- Latest quarterly report (10-Q) filed May 5, 2026.
- 11 recent 8-K material-event filings in the index.
- Recent insider Form 4s: 0 buy vs 0 sell transactions.
- ~10,000+ recent 13F-HR filings reference PNC Financial Services; broad institutional reporting.
- Recent filers include PNC FINANCIAL SERVICES GROUP INC (PNC), PNC FINANCIAL SERVICES GROUP INC (PNC), PNC FINANCIAL SERVICES GROUP INC (PNC).
- 2 recent 13D activist/beneficial-ownership filings — potential catalyst.
- 18 recent 13G passive institutional ownership notices.
Latest 10-K
Feb 20, 2026
Annual report
Latest 10-Q
May 5, 2026
8-K (recent)
11
Insider net
—
0B/0S
13F filers
10k+
Activist 13D
2
Recent 13F institutional filers (SEC EDGAR full-text)
| Filer | Form | Filed |
|---|---|---|
| PNC FINANCIAL SERVICES GROUP INC (PNC) | 13F-HR | Aug 5, 2011 |
| PNC FINANCIAL SERVICES GROUP INC (PNC) | 13F-HR | Nov 9, 2007 |
| PNC FINANCIAL SERVICES GROUP INC (PNC) | 13F-HR | Nov 4, 2005 |
| PNC FINANCIAL SERVICES GROUP INC (PNC) | 13F-HR | Aug 6, 2004 |
| PNC FINANCIAL SERVICES GROUP INC (PNC) | 13F-HR | May 6, 2011 |
Recent 8-K material events
| Date | Form | Description |
|---|---|---|
| Jun 22, 2026 | 8-K | 8-K |
| May 26, 2026 | 8-K | 8-K |
| Apr 24, 2026 | 8-K | 8-K |
| Apr 15, 2026 | 8-K | 8-K |
| Apr 15, 2026 | 8-K | 8-K |
| Jan 26, 2026 | 8-K | 8-K |
| Jan 16, 2026 | 8-K | 8-K |
| Jan 16, 2026 | 8-K | 8-K |
Free previewSEC Filing Analyst
SEC Filing Deep-Analysis
SEC Filing Analyst
score -15Deteriorating
58% conf
1 risk signal(s) detected from XBRL filing diff analysis. 1 risk signal(s) detected versus 0 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.
- Material weakness in internal controls: The term "material weakness" appears in 20 recent filing(s) (vs 2 in the prior period). This risk language is ongoing.
- Endogenous analysis: 1 risk signal(s) detected versus 0 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.
- 6 new XBRL disclosure(s) in latest filing — expanding reporting scope.
- 20 disclosure(s) dropped from prior year — reduced reporting granularity.
- Ongoing high-severity risk language: Material weakness in internal controls.
Revenue
$21.49B
+1.8% YoY
Operating income
$5.67B
+91.6% YoY
Operating cash flow
$10.11B
+11.3% YoY
Total assets
$560.04B
-0.3% YoY
Total liabilities
$505.57B
-1.0% YoY
Long-term debt
$61.67B
-15.2% YoY
Cash & equivalents
$34.36B
-58.2% YoY
Stockholders equity
$54.42B
+6.5% YoY
Filing quality score
80/100
6 new disclosures
SEC XBRL metric changes (latest annual vs prior)
| Metric | Prior year | Latest year | Change | % Change |
|---|---|---|---|---|
| Revenue | $21.12B | $21.49B | $370.0M | +1.8% |
| Operating income | $2.96B | $5.67B | $2.71B | +91.6% |
| Operating cash flow | $9.08B | $10.11B | $1.03B | +11.3% |
| Total assets | $561.58B | $560.04B | $-1.54B | -0.3% |
| Total liabilities | $510.44B | $505.57B | $-4.87B | -1.0% |
| Long-term debt | $72.74B | $61.67B | $-11.06B | -15.2% |
| Cash & equivalents | $82.25B | $34.36B | $-47.89B | -58.2% |
| Stockholders equity | $51.10B | $54.42B | $3.32B | +6.5% |
| Interest expense | $1.36B | $487.0M | $-874.0M | -64.2% |
XBRL disclosure changes (new vs dropped concepts)
| Type | Concepts |
|---|---|
| Added | FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate, GoodwillPeriodIncreaseDecrease, PaymentsToAcquireBusinessesNetOfCashAcquired, ProceedsFromIssuanceOfSubordinatedLongTermDebt, ProceedsFromPaymentsForOtherFinancingActivities, StockIssuedDuringPeriodValueRestrictedStockAwardGross |
| Removed | AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment, AdjustmentForAmortization, AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost, AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue, AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost, AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue, AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost, AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue, AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost, AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue |
Risk language in filing text (EDGAR full-text search)
| Term | Severity | Recent | Prior | Status |
|---|---|---|---|---|
| Material weakness in internal controls | high | 20 | 2 | Ongoing |
| Off-balance sheet arrangements | medium | 119 | 8 | Ongoing |
Filing signal breakdown
Red flags: 1
Positive: 0
Watch: 0
Red flags
Positive
Watch
Unlock the rest
- ProValuationMarket cap $100.19B at $249.49 per share.
- ProPrice & TechnicalsPrice $249.49 — uptrend (above 200-DMA); 1-month momentum positive.
- ProMacro & RatesMarket regime: Risk-on · Supportive.
- ProRisk ScorecardComposite risk: Elevated.
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Macro exposure
Rate-sensitive · High sensitivityMacro regime: Risk-on · Supportive. PNC Financial Services is a rate-sensitive name (high macro sensitivity) — a supportive backdrop, though defensives lag risk-on tapes.
Macro regime
Risk-on · Supportive
Yield curve
Normal
VIX
16.59
Fed funds
3.63%
CPI YoY
+4.2%
Analytical read
deterministic previewPrice $249.49 — uptrend (above 200-DMA); 1-month momentum positive..
Risk
Elevated
Macro regime
Risk-on · Supportive
Macro exposure
Neutral
Descriptive analytics from public filings and macro data — not investment advice.
Peer comparison
Rate-sensitive groupHow PNC stacks up against tracked peers with similar macro sensitivity — by analytical score and macro exposure.
| Company | Score | Macro |
|---|---|---|
| Capital One Financial COF | 23 | Neutral |
| Chubb Ltd. CB | 23 | Neutral |
| U.S. Bancorp USB | 17 | Neutral |
| JPMorgan Chase & Co. JPM | 16 | Neutral |
| Prologis Inc. PLD | 14 | Neutral |
| Simon Property Group SPG | 13 | Neutral |
| American Express Co. AXP | 11 | Neutral |
| Bank of America Corp. BAC | 11 | Neutral |
| Visa Inc. V | 8 | Neutral |
| Mastercard Inc. MA | 8 | Neutral |
| Public Storage PSA | 8 | Neutral |
| Dominion Energy D | 6 | Neutral |
| Charles Schwab Corp. SCHW | 6 | Neutral |
| CME Group Inc. CME | 6 | Neutral |
| PNC Financial Services PNC● you | 4 | Neutral |
| Realty Income Corp. O | 4 | Neutral |
| Travelers Cos. TRV | 2 | Neutral |
| Duke Energy Corp. DUK | 0 | Neutral |
| Bank of New York Mellon BK | 0 | Neutral |
| Marsh & McLennan MMC | 0 | Neutral |
| Equity Residential EQR | 0 | Neutral |
| Wells Fargo & Co. WFC | -1 | Neutral |
| Welltower Inc. WELL | -1 | Neutral |
| Exelon Corp. EXC | -3 | Neutral |
| NextEra Energy NEE | -4 | Neutral |
| Xcel Energy XEL | -5 | Neutral |
| American International Group AIG | -5 | Neutral |
| Truist Financial TFC | -5 | Neutral |
| Digital Realty Trust DLR | -6 | Neutral |
| Allstate Corp. ALL | -7 | Neutral |
| S&P Global SPGI | -8 | Neutral |
| American Water Works AWK | -9 | Neutral |
| Goldman Sachs Group GS | -10 | Neutral |
| Citigroup Inc. C | -11 | Neutral |
| Moody's Corp. MCO | -13 | Neutral |
| Morgan Stanley MS | -13 | Neutral |
| MetLife Inc. MET | -13 | Neutral |
| Southern Company SO | -15 | Neutral |
| BlackRock Inc. BLK | -15 | Neutral |
| Equinix Inc. EQIX | -16 | Neutral |
| American Electric Power AEP | -18 | Neutral |
| Crown Castle Inc. CCI | -18 | Neutral |
| American Tower Corp. AMT | -39 | Neutral |