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The PNC Financial Services Group (PNC) Financials

The PNC Financial Services Group logo
$156.71 +1.39 (+0.89%)
As of 12:46 PM Eastern
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Annual Income Statements for The PNC Financial Services Group

Annual Income Statements for The PNC Financial Services Group

This table shows The PNC Financial Services Group's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Net Income / (Loss) Attributable to Common Shareholders		 3,881 3,688 5,076 5,061 5,129 7,284 5,436 5,735 5,153 5,529
Consolidated Net Income / (Loss)		 4,143 3,985 5,388 5,346 5,418 7,558 5,725 6,113 5,647 5,953
Net Income / (Loss) Continuing Operations		 4,143 3,985 5,388 4,558 4,591 3,003 5,725 6,113 5,647 5,953
Total Pre-Tax Income 		5,507 5,253 5,490 5,486 5,492 3,429 6,988 7,473 6,736 7,242
Total Revenue		 15,225 15,162 16,329 16,190 16,839 16,901 19,211 21,120 21,490 21,555
Net Interest Income / (Expense)		 8,278 8,391 9,108 9,721 9,965 9,946 10,647 13,014 13,916 13,499
Total Interest Income		 9,323 9,652 10,814 12,582 13,762 11,307 11,134 15,436 24,308 26,384
Loans and Leases Interest Income		 7,203 7,414 8,238 9,580 10,525 8,927 9,007 11,795 18,299 19,346
Investment Securities Interest Income		 1,679 1,826 1,998 2,261 2,426 2,041 1,834 2,726 3,545 4,123
Other Interest Income		 441 412 578 741 811 339 293 915 2,464 2,915
Total Interest Expense		 1,045 1,261 1,706 2,861 3,797 1,361 487 2,422 10,392 12,885
Deposits Interest Expense		 403 430 623 1,229 1,986 643 126 1,267 6,609 8,401
Long-Term Debt Interest Expense		 642 831 1,083 1,632 1,811 718 361 1,155 3,783 4,484
Total Non-Interest Income		 6,947 6,771 7,221 6,469 6,874 6,955 8,564 8,106 7,574 8,056
Other Non-Interest Income		 2,057 6,771 - 6,469 6,874 6,955 - 8,106 7,574 8,056
Provision for Credit Losses		 255 433 441 408 773 3,175 -779 477 742 789
Total Non-Interest Expense		 9,463 9,476 10,398 10,296 10,574 10,297 13,002 13,170 14,012 13,524
Salaries and Employee Benefits		 4,831 4,873 5,268 5,471 5,647 5,673 7,141 7,244 7,428 7,302
Net Occupancy & Equipment Expense		 1,767 1,835 1,933 1,921 2,044 2,002 2,351 2,387 2,393 2,481
Marketing Expense		 249 247 244 285 301 236 319 355 350 362
Other Operating Expenses		 2,616 2,521 2,953 2,619 2,582 2,386 3,191 3,184 3,841 3,379
Income Tax Expense		 1,364 1,268 102 928 901 426 1,263 1,360 1,089 1,289
Preferred Stock Dividends Declared		 225 215 262 240 240 233 238 301 417 352
Net Income / (Loss) Attributable to Noncontrolling Interest		 37 82 50 45 49 41 51 72 69 64
Basic Earnings per Share		 $7.52 $7.42 $10.49 $10.79 $11.43 $16.99 $12.71 $13.86 $12.80 $13.76
Weighted Average Basic Shares Outstanding		 514M 494M 481M 467M 447M 427M 426M 412M 401M 399M
Diluted Earnings per Share		 $7.39 $7.30 $10.36 $10.71 $11.39 $16.96 $12.70 $13.85 $12.79 $13.74
Weighted Average Diluted Shares Outstanding		 521M 500M 486M 470M 448M 427M 426M 412M 401M 400M
Weighted Average Basic & Diluted Shares Outstanding		 516.10M 497M 483.90M 453.61M 428.73M 424.02M 418.45M 399.68M 397.81M 395.75M
Cash Dividends to Common per Share		 $2.01 $2.12 $2.60 - - - $4.80 $5.75 $6.10 $6.30

Quarterly Income Statements for The PNC Financial Services Group

This table shows The PNC Financial Services Group's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Income / (Loss) Attributable to Common Shareholders		 1,558 1,407 1,607 1,354 1,448 744 1,247 1,362 1,406 1,514
Consolidated Net Income / (Loss)		 1,640 1,548 1,694 1,500 1,570 883 1,344 1,477 1,505 1,627
Net Income / (Loss) Continuing Operations		 1,640 1,548 1,694 1,500 1,570 883 1,344 1,477 1,505 1,627
Total Pre-Tax Income 		2,028 1,881 2,047 1,775 1,859 1,055 1,656 1,819 1,862 1,905
Total Revenue		 5,549 5,763 5,603 5,293 5,233 5,361 5,145 5,411 5,432 5,567
Net Interest Income / (Expense)		 3,475 3,684 3,585 3,510 3,418 3,403 3,264 3,302 3,410 3,523
Total Interest Income		 4,132 5,109 5,659 5,944 6,203 6,502 6,500 6,568 6,822 6,494
Loans and Leases Interest Income		 3,138 3,860 4,258 4,523 4,643 4,875 4,819 4,842 4,954 4,731
Investment Securities Interest Income		 715 836 885 883 892 885 883 1,001 1,097 1,142
Other Interest Income		 279 413 516 538 668 742 798 725 771 621
Total Interest Expense		 657 1,425 2,074 2,434 2,785 3,099 3,236 3,266 3,412 2,971
Deposits Interest Expense		 340 812 1,291 1,531 1,792 1,995 2,077 2,084 2,230 2,010
Long-Term Debt Interest Expense		 317 613 783 903 993 1,104 1,159 1,182 1,182 961
Total Non-Interest Income		 2,074 2,079 2,018 1,783 1,815 1,958 1,881 2,109 2,022 2,044
Provision for Credit Losses		 241 408 235 146 129 232 155 235 243 156
Total Non-Interest Expense		 3,280 3,474 3,321 3,372 3,245 4,074 3,334 3,357 3,327 3,506
Salaries and Employee Benefits		 1,805 1,943 1,826 1,846 1,773 1,983 1,794 1,782 1,869 1,857
Net Occupancy & Equipment Expense		 585 616 601 593 591 608 585 592 591 713
Marketing Expense		 93 106 74 109 93 74 64 93 93 112
Other Operating Expenses		 797 809 820 824 788 1,409 891 890 774 824
Income Tax Expense		 388 333 353 275 289 172 312 342 357 278
Preferred Stock Dividends Declared		 66 116 70 129 106 112 83 97 84 88
Net Income / (Loss) Attributable to Noncontrolling Interest		 16 20 17 17 16 19 14 18 15 17
Basic Earnings per Share		 $3.78 $3.46 $3.98 $3.36 $3.60 $1.86 $3.10 $3.39 $3.50 $3.77
Weighted Average Basic Shares Outstanding		 410M 412M 401M 401M 400M 401M 400M 400M 399M 399M
Diluted Earnings per Share		 $3.78 $3.45 $3.98 $3.36 $3.60 $1.85 $3.10 $3.39 $3.49 $3.76
Weighted Average Diluted Shares Outstanding		 410M 412M 402M 401M 400M 401M 400M 400M 400M 400M
Weighted Average Basic & Diluted Shares Outstanding		 403.32M 399.68M 399.11M 398.25M 398.34M 397.81M 397.91M 397.50M 396.78M 395.75M

Annual Cash Flow Statements for The PNC Financial Services Group

This table details how cash moves in and out of The PNC Financial Services Group's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Net Change in Cash & Equivalents		 28,563 814 370 95 -547 1,956 987 -47,891 16,362 -4,474
Net Cash From Operating Activities		 5,442 3,500 5,579 7,840 7,363 4,659 7,214 9,083 10,111 7,880
Net Cash From Continuing Operating Activities		 5,442 3,500 5,579 7,840 7,363 4,659 7,214 9,083 10,111 7,880
Net Income / (Loss) Continuing Operations		 4,143 3,985 5,388 5,346 5,418 7,558 5,725 6,113 5,647 5,953
Consolidated Net Income / (Loss)		 4,143 3,985 5,388 5,346 5,418 7,558 5,725 6,113 5,647 5,953
Provision For Loan Losses		 - 433 441 408 773 3,175 -779 477 742 789
Depreciation Expense		 1,088 1,193 1,117 1,129 1,315 1,497 1,773 651 217 259
Non-Cash Adjustments to Reconcile Net Income		 274 18 -807 -220 417 -7,659 263 -185 48 -130
Changes in Operating Assets and Liabilities, net		 -63 -2,129 -560 1,177 -560 88 232 2,027 3,457 1,009
Net Cash From Investing Activities		 7,356 -7,307 -14,895 -3,969 -24,990 -51,122 -2,795 -60,358 10,105 -3,232
Net Cash From Continuing Investing Activities		 7,356 -7,307 -14,895 -3,969 -24,990 -51,122 -2,795 -60,358 10,105 -3,232
Purchase of Investment Securities		 -5,117 -27,056 -35,980 -34,813 -42,185 -48,655 -61,765 -87,859 -5,402 -30,073
Sale and/or Maturity of Investments		 11,992 19,623 21,330 38,365 12,221 -18,430 58,994 28,219 14,934 27,228
Net Increase in Fed Funds Sold		 481 126 -245 -5,837 4,899 1,738 -24 -718 573 -387
Net Cash From Financing Activities		 10,440 4,621 9,686 -3,512 17,080 48,419 -3,432 3,384 -3,854 -9,122
Net Cash From Continuing Financing Activities		 15,765 4,621 9,686 -3,512 17,080 48,419 -3,432 3,384 -3,854 -9,122
Net Change in Deposits		 16,577 8,579 7,991 2,674 20,716 76,798 6,377 -20,969 -14,852 5,304
Issuance of Debt		 9,890 6,385 18,621 15,501 25,366 3,623 1,736 36,610 16,464 12,974
Issuance of Preferred Equity		 0.00 519 0.00 0.00 0.00 0.00 1,484 2,225 1,484 0.00
Issuance of Common Equity		 139 151 132 69 90 65 66 68 72 69
Repayment of Debt		 -6,393 -7,864 -12,388 -17,934 -28,774 -22,540 -10,503 -7,421 -3,676 -23,319
Repurchase of Common Equity		 -2,152 -2,062 -2,447 -2,877 -3,578 -1,624 -1,079 -3,731 -651 -687
Payment of Dividends		 -1,257 -1,270 -1,502 -1,837 -2,131 -2,209 -2,289 -2,692 -2,878 -2,889
Other Financing Activities, Net		 -1,039 183 -721 892 5,391 -5,694 776 -706 183 -574
Cash Interest Paid		 1,005 1,317 1,743 2,835 3,742 1,292 582 2,172 9,451 13,052
Cash Income Taxes Paid		 1,205 769 96 840 447 3,420 748 223 1,829 479

Quarterly Cash Flow Statements for The PNC Financial Services Group

This table details how cash moves in and out of The PNC Financial Services Group's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Change in Cash & Equivalents		 -2,034 -46,435 -1,103 11,190 2,334 3,941 -988 -10,456 1,905 5,065
Net Cash From Operating Activities		 3,394 4,046 1,876 3,256 115 4,864 1,758 1,035 3,287 1,800
Net Cash From Continuing Operating Activities		 3,394 4,046 1,876 3,256 115 4,864 1,758 1,035 3,287 1,800
Net Income / (Loss) Continuing Operations		 1,640 1,548 1,694 1,500 1,570 883 1,344 1,477 1,505 1,627
Consolidated Net Income / (Loss)		 1,640 1,548 1,694 1,500 1,570 883 1,344 1,477 1,505 1,627
Provision For Loan Losses		 241 408 235 146 129 232 155 235 243 156
Depreciation Expense		 58 64 65 60 49 43 37 37 21 164
Non-Cash Adjustments to Reconcile Net Income		 -2.00 45 144 -81 -243 228 -87 -166 205 -82
Changes in Operating Assets and Liabilities, net		 1,457 1,981 -262 1,631 -1,390 3,478 309 -548 1,313 -65
Net Cash From Investing Activities		 -21,690 -49,685 -5,712 13,249 4,913 -2,345 -6,365 -220 -3,782 7,135
Net Cash From Continuing Investing Activities		 -21,690 -49,685 -5,712 13,249 4,913 -2,345 -6,365 -220 -3,782 7,135
Purchase of Investment Securities		 -64,575 -21,322 -2,784 2,888 94 -5,600 -10,333 -7,862 -9,932 -1,946
Sale and/or Maturity of Investments		 42,871 -28,550 -2,960 10,164 4,631 3,099 3,972 7,471 6,923 8,862
Net Increase in Fed Funds Sold		 14 187 32 197 188 156 -4.00 171 -773 219
Net Cash From Financing Activities		 16,262 -796 2,733 -5,315 -2,694 1,422 3,619 -11,271 2,400 -3,870
Net Cash From Continuing Financing Activities		 16,262 -796 2,733 -5,315 -2,694 1,422 3,619 -11,271 2,400 -3,870
Net Change in Deposits		 -2,633 -1,889 561 -9,377 -3,866 -2,170 4,170 -9,209 7,646 2,697
Issuance of Debt		 20,937 4,826 1,919 5,531 1,755 7,259 2,585 1,651 2,493 6,245
Issuance of Common Equity		 24 10 26 10 26 10 24 9.00 27 9.00
Repayment of Debt		 -1,754 -1,080 -196 -1,124 -140 -2,216 -2,246 -3,037 -7,157 -10,879
Repurchase of Common Equity		 -1,002 -653 -459 -129 -11 -52 -223 -113 -130 -221
Payment of Dividends		 -687 -732 -675 -733 -728 -742 -705 -718 -728 -738
Other Financing Activities, Net		 142 -1,278 73 507 270 -667 14 146 249 -983
Cash Interest Paid		 475 1,277 1,691 895 3,687 3,178 2,861 3,453 3,272 3,466
Cash Income Taxes Paid		 25 128 59 1,484 232 54 41 291 44 103

Annual Balance Sheets for The PNC Financial Services Group

This table presents The PNC Financial Services Group's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Total Assets		 358,493 366,380 380,768 382,315 410,295 466,679 557,191 557,263 561,580 560,038
Cash and Due from Banks		 4,065 4,879 5,249 5,608 5,061 7,017 8,004 7,043 6,921 6,904
Interest Bearing Deposits at Other Banks		 30,546 25,711 28,595 10,893 23,413 85,173 74,250 27,320 43,804 39,347
Trading Account Securities		 72,068 78,451 78,786 83,695 87,907 90,396 3,657 96,185 91,518 78,543
Loans and Leases, Net of Allowance		 203,969 208,244 217,847 223,616 237,101 236,567 283,504 321,284 316,717 311,981
Loans and Leases		 206,696 210,833 220,458 226,245 239,843 241,928 288,372 326,025 321,508 316,467
Allowance for Loan and Lease Losses		 2,727 2,589 2,611 2,629 2,742 5,361 4,868 4,741 4,791 4,486
Goodwill		 9,103 9,103 9,173 9,218 9,233 9,233 10,916 10,987 10,932 10,932
Other Assets		 38,742 39,992 41,118 49,285 47,580 38,293 176,860 94,444 91,688 112,331
Total Liabilities & Shareholders' Equity		 358,493 366,380 380,768 382,315 410,295 466,679 557,191 557,263 561,580 560,038
Total Liabilities		 312,513 319,526 333,183 334,545 360,952 412,638 501,465 511,451 510,439 505,569
Non-Interest Bearing Deposits		 79,435 80,230 79,864 73,960 72,779 112,637 155,175 124,486 101,285 92,641
Interest Bearing Deposits		 169,567 176,934 185,189 193,879 215,761 252,708 302,103 311,796 320,133 334,097
Short-Term Debt		 4,570 4,176 4,789 - - 3,021 - 3,674 3,026 3,072
Long-Term Debt		 49,962 48,530 54,299 57,419 60,263 34,174 30,784 55,039 69,711 58,601
Other Long-Term Liabilities		 8,979 9,656 9,042 9,287 12,149 10,098 13,403 15,762 15,621 16,439
Total Equity & Noncontrolling Interests		 45,980 46,854 47,585 47,770 49,343 54,041 55,726 45,812 51,141 54,469
Total Preferred & Common Equity		 44,710 45,699 47,513 47,728 49,314 54,010 55,695 45,774 51,105 54,425
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 44,710 45,699 47,513 47,728 49,314 54,010 55,695 45,774 51,105 54,425
Common Stock		 18,905 19,360 19,084 18,988 19,081 18,597 20,170 21,090 21,736 21,427
Retained Earnings		 29,043 31,670 35,481 38,919 42,215 46,848 50,228 53,572 56,290 59,282
Treasury Stock		 -3,368 -5,066 -6,904 -9,454 -12,781 -14,205 -15,112 -18,716 -19,209 -19,719
Accumulated Other Comprehensive Income / (Loss)		 130 -265 -148 -725 799 2,770 409 -10,172 -7,712 -6,565
Noncontrolling Interest		 1,270 1,155 72 42 29 31 31 38 36 44

Quarterly Balance Sheets for The PNC Financial Services Group

This table presents The PNC Financial Services Group's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Total Assets		 559,477 557,263 561,777 558,207 557,334 561,580 566,162 556,519 564,881 560,038
Cash and Due from Banks		 6,548 7,043 5,940 6,191 5,300 6,921 5,933 6,242 6,162 6,904
Interest Bearing Deposits at Other Banks		 40,278 27,320 33,865 38,259 41,484 43,804 53,612 33,039 35,024 39,347
Trading Account Securities		 137,577 96,185 96,017 94,709 92,720 91,518 88,923 88,445 84,595 78,543
Loans and Leases, Net of Allowance		 310,819 321,284 321,734 317,024 313,649 316,717 315,088 316,793 316,792 311,981
Loans and Leases		 315,400 326,025 326,475 321,761 318,416 321,508 319,781 321,429 321,381 316,467
Allowance for Loan and Lease Losses		 4,581 4,741 4,741 4,737 4,767 4,791 4,693 4,636 4,589 4,486
Goodwill		 10,987 10,987 10,987 10,987 10,987 10,932 10,932 10,932 10,932 10,932
Other Assets		 53,268 94,444 93,234 91,037 93,194 91,688 91,674 101,068 111,376 112,331
Total Liabilities & Shareholders' Equity		 559,477 557,263 561,777 558,207 557,334 561,580 566,162 556,519 564,881 560,038
Total Liabilities		 512,754 511,451 512,703 508,861 507,853 510,439 514,788 503,838 509,152 505,569
Non-Interest Bearing Deposits		 138,423 124,486 118,014 110,527 105,672 101,285 98,061 94,542 94,588 92,641
Interest Bearing Deposits		 299,771 311,796 318,819 316,962 317,937 320,133 327,563 321,849 329,378 334,097
Short-Term Debt		 3,915 3,674 3,550 3,831 3,032 3,026 2,973 - 3,381 3,072
Long-Term Debt		 50,718 55,039 57,272 61,553 63,135 69,711 69,734 71,391 64,688 58,601
Other Long-Term Liabilities		 19,927 15,762 15,048 15,988 17,437 15,621 15,785 16,056 16,392 16,439
Total Equity & Noncontrolling Interests		 46,723 45,812 49,074 49,346 49,481 51,141 51,374 52,681 55,729 54,469
Total Preferred & Common Equity		 46,688 45,774 49,044 49,320 49,454 51,105 51,340 52,642 55,689 54,425
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 46,688 45,774 49,044 49,320 49,454 51,105 51,340 52,642 55,689 54,425
Common Stock		 22,524 21,090 22,578 22,649 22,686 21,736 21,748 21,814 21,866 21,427
Retained Earnings		 52,777 53,572 54,598 55,346 56,170 56,290 56,913 57,652 58,412 59,282
Treasury Stock		 -18,127 -18,716 -19,024 -19,150 -19,141 -19,209 -19,279 -19,378 -19,499 -19,719
Accumulated Other Comprehensive Income / (Loss)		 -10,486 -10,172 -9,108 -9,525 -10,261 -7,712 -8,042 -7,446 -5,090 -6,565
Noncontrolling Interest		 35 38 30 26 27 36 34 39 40 44

Annual Metrics and Ratios for The PNC Financial Services Group

This table displays calculated financial ratios and metrics derived from The PNC Financial Services Group's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 -0.98% -0.41% 7.70% -0.85% 4.01% 0.37% 13.67% 9.94% 1.75% 0.30%
EBITDA Growth		 -0.11% -2.26% 2.50% 0.12% 2.90% -27.63% 77.85% -7.27% -14.41% 7.88%
EBIT Growth		 -1.91% -4.61% 4.51% -0.07% 0.11% -37.56% 103.79% 6.94% -9.86% 7.51%
NOPAT Growth		 -1.52% -3.81% 35.21% -15.40% 0.72% -34.59% 90.64% 6.78% -7.62% 5.42%
Net Income Growth		 -1.52% -3.81% 35.21% -0.78% 1.35% 39.50% -24.25% 6.78% -7.62% 5.42%
EPS Growth		 1.23% -1.22% 41.92% 3.38% 6.35% 48.90% -25.12% 9.06% -7.65% 7.43%
Operating Cash Flow Growth		 -2.56% -35.69% 59.40% 40.53% -6.08% -36.72% 54.84% 25.91% 11.32% -22.07%
Free Cash Flow Firm Growth		 131.96% 66.62% -134.94% 450.26% -97.12% 12,183.33% -51.10% -213.88% -15.16% 199.88%
Invested Capital Growth		 1.19% -0.95% 7.14% -1.39% 4.20% -16.76% -5.18% 20.82% 18.52% -6.24%
Revenue Q/Q Growth		 -0.61% 0.14% 2.42% -5.06% 4.32% 0.67% 5.02% 3.10% -1.84% 0.96%
EBITDA Q/Q Growth		 0.75% -0.42% -4.48% -5.28% 8.98% 18.90% -0.97% -3.29% -10.86% 14.87%
EBIT Q/Q Growth		 0.49% -0.32% -5.05% -6.81% 8.71% 22.99% -1.29% 3.00% -10.92% 13.30%
NOPAT Q/Q Growth		 -0.84% 0.63% 24.03% -25.11% 9.31% 20.07% -2.55% 4.12% -10.54% 14.28%
Net Income Q/Q Growth		 -0.84% 0.63% 24.03% -12.16% 0.56% 1.00% -2.55% 4.12% -10.54% 14.28%
EPS Q/Q Growth		 0.27% 1.39% 26.65% -11.56% 1.97% 1.56% -2.68% 4.37% -11.12% 16.15%
Operating Cash Flow Q/Q Growth		 17.34% -14.72% -5.76% 19.38% 15.32% -20.21% 27.57% 6.47% 8.80% -28.00%
Free Cash Flow Firm Q/Q Growth		 259.04% -35.66% 31.57% 19.76% 111.21% 19.47% -9.33% -108.19% -71.75% 565.45%
Invested Capital Q/Q Growth		 -0.35% 2.48% 2.55% 0.13% -1.09% -4.38% -3.63% 3.13% 7.12% -6.18%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 43.32% 42.51% 40.46% 40.86% 40.42% 29.15% 45.60% 38.47% 32.35% 34.80%
EBIT Margin		 36.17% 34.65% 33.62% 33.89% 32.61% 20.29% 36.38% 35.38% 31.34% 33.60%
Profit (Net Income) Margin		 27.21% 26.28% 33.00% 33.02% 32.18% 44.72% 29.80% 28.94% 26.28% 27.62%
Tax Burden Percent		 75.23% 75.86% 98.14% 97.45% 98.65% 220.41% 81.93% 81.80% 83.83% 82.20%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 24.77% 24.14% 1.86% 16.92% 16.41% 12.42% 18.07% 18.20% 16.17% 17.80%
Return on Invested Capital (ROIC)		 4.15% 3.98% 5.23% 4.30% 4.27% 2.99% 6.44% 6.40% 4.94% 4.96%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.15% 3.98% 5.23% 5.66% 5.68% 12.34% 6.44% 6.40% 4.94% 4.96%
Return on Net Nonoperating Assets (RNNOA)		 4.86% 4.60% 6.19% 6.91% 6.88% 11.63% 3.99% 5.64% 6.70% 6.31%
Return on Equity (ROE)		 9.00% 8.59% 11.41% 11.21% 11.16% 14.62% 10.43% 12.04% 11.65% 11.27%
Cash Return on Invested Capital (CROIC)		 2.97% 4.94% -1.67% 5.70% 0.16% 21.28% 11.76% -12.46% -12.00% 11.41%
Operating Return on Assets (OROA)		 1.57% 1.45% 1.47% 1.44% 1.39% 0.78% 1.37% 1.34% 1.20% 1.29%
Return on Assets (ROA)		 1.18% 1.10% 1.44% 1.40% 1.37% 1.72% 1.12% 1.10% 1.01% 1.06%
Return on Common Equity (ROCE)		 8.73% 8.36% 11.26% 11.20% 11.15% 14.61% 10.43% 12.03% 11.64% 11.27%
Return on Equity Simple (ROE_SIMPLE)		 9.27% 8.72% 11.34% 11.20% 10.99% 13.99% 10.28% 13.35% 11.05% 10.94%
Net Operating Profit after Tax (NOPAT)		 4,143 3,985 5,388 4,558 4,591 3,003 5,725 6,113 5,647 5,953
NOPAT Margin		 27.21% 26.28% 33.00% 28.15% 27.26% 17.77% 29.80% 28.94% 26.28% 27.62%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% -1.35% -1.41% -9.35% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 44.97% 45.87% 45.59% 47.42% 47.46% 46.81% 51.07% 47.28% 47.33% 47.07%
Operating Expenses to Revenue		 62.15% 62.50% 63.68% 63.59% 62.79% 60.93% 67.68% 62.36% 65.20% 62.74%
Earnings before Interest and Taxes (EBIT)		 5,507 5,253 5,490 5,486 5,492 3,429 6,988 7,473 6,736 7,242
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 6,595 6,446 6,607 6,615 6,807 4,926 8,761 8,124 6,953 7,501
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.82 0.97 1.15 0.92 1.19 1.02 1.36 1.27 1.15 1.39
Price to Tangible Book Value (P/TBV)		 1.03 1.21 1.42 1.14 1.46 1.23 1.70 1.67 1.47 1.75
Price to Revenue (P/Rev)		 2.41 2.91 3.33 2.71 3.48 3.26 3.95 2.75 2.74 3.52
Price to Earnings (P/E)		 9.44 11.98 10.72 8.66 11.43 7.57 13.97 10.12 11.43 13.73
Dividend Yield		 2.79% 2.33% 2.27% 3.58% 3.14% 3.54% 2.67% 4.00% 4.13% 3.29%
Earnings Yield		 10.59% 8.35% 9.33% 11.55% 8.75% 13.22% 7.16% 9.88% 8.75% 7.29%
Enterprise Value to Invested Capital (EV/IC)		 0.58 0.68 0.75 0.81 0.83 0.00 0.28 0.79 0.65 0.79
Enterprise Value to Revenue (EV/Rev)		 3.80 4.45 4.88 5.24 5.37 0.01 1.28 3.90 3.77 4.24
Enterprise Value to EBITDA (EV/EBITDA)		 8.77 10.46 12.07 12.82 13.29 0.03 2.80 10.15 11.64 12.18
Enterprise Value to EBIT (EV/EBIT)		 10.50 12.84 14.52 15.45 16.47 0.04 3.51 11.03 12.02 12.62
Enterprise Value to NOPAT (EV/NOPAT)		 13.96 16.92 14.80 18.60 19.70 0.05 4.28 13.49 14.33 15.35
Enterprise Value to Operating Cash Flow (EV/OCF)		 10.63 19.27 14.29 10.81 12.28 0.03 3.40 9.08 8.00 11.59
Enterprise Value to Free Cash Flow (EV/FCFF)		 19.52 13.66 0.00 14.03 519.77 0.01 2.35 0.00 0.00 6.67
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 1.19 1.12 1.24 1.20 1.22 0.69 0.55 1.28 1.42 1.13
Long-Term Debt to Equity		 1.09 1.04 1.14 1.20 1.22 0.63 0.55 1.20 1.36 1.08
Financial Leverage		 1.17 1.16 1.18 1.22 1.21 0.94 0.62 0.88 1.36 1.27
Leverage Ratio		 7.64 7.81 7.91 8.00 8.16 8.48 9.33 10.98 11.54 10.62
Compound Leverage Factor		 7.64 7.81 7.91 8.00 8.16 8.48 9.33 10.98 11.54 10.62
Debt to Total Capital		 54.25% 52.94% 55.39% 54.59% 54.98% 40.77% 35.58% 56.17% 58.72% 53.10%
Short-Term Debt to Total Capital		 4.55% 4.19% 4.49% 0.00% 0.00% 3.31% 0.00% 3.51% 2.44% 2.65%
Long-Term Debt to Total Capital		 49.71% 48.74% 50.90% 54.59% 54.98% 37.46% 35.58% 52.66% 56.27% 50.46%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 1.26% 1.16% 0.07% 0.04% 0.03% 0.03% 0.04% 0.04% 0.03% 0.04%
Common Equity to Total Capital		 44.48% 45.90% 44.54% 45.37% 44.99% 59.20% 64.38% 43.79% 41.25% 46.86%
Debt to EBITDA		 8.27 8.18 8.94 8.68 8.85 7.55 3.51 7.23 10.46 8.22
Net Debt to EBITDA		 3.02 3.43 3.82 6.19 4.67 -11.16 -5.87 3.00 3.17 2.06
Long-Term Debt to EBITDA		 7.58 7.53 8.22 8.68 8.85 6.94 3.51 6.77 10.03 7.81
Debt to NOPAT		 13.16 13.23 10.97 12.60 13.13 12.39 5.38 9.60 12.88 10.36
Net Debt to NOPAT		 4.81 5.55 4.69 8.98 6.92 -18.31 -8.99 3.98 3.90 2.59
Long-Term Debt to NOPAT		 12.06 12.18 10.08 12.60 13.13 11.38 5.38 9.00 12.34 9.84
Noncontrolling Interest Sharing Ratio		 3.03% 2.61% 1.30% 0.12% 0.07% 0.06% 0.06% 0.07% 0.08% 0.08%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 2,963 4,937 -1,725 6,042 174 21,373 10,451 -11,902 -13,706 13,689
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 2.84 3.92 -1.01 2.11 0.05 15.70 21.46 -4.91 -1.32 1.06
Operating Cash Flow to Interest Expense		 5.21 2.78 3.27 2.74 1.94 3.42 14.81 3.75 0.97 0.61
Operating Cash Flow Less CapEx to Interest Expense		 5.21 2.78 3.27 2.74 1.94 3.42 14.81 3.75 0.97 0.61
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 100,512 99,560 106,673 105,189 109,606 91,236 86,510 104,525 123,878 116,142
Invested Capital Turnover		 0.15 0.15 0.16 0.15 0.16 0.17 0.22 0.22 0.19 0.18
Increase / (Decrease) in Invested Capital		 1,180 -952 7,113 -1,484 4,417 -18,370 -4,726 18,015 19,353 -7,736
Enterprise Value (EV)		 57,840 67,445 79,732 84,772 90,441 149 24,528 82,434 80,933 91,360
Market Capitalization		 36,649 44,174 54,416 43,812 58,623 55,113 75,967 58,046 58,885 75,894
Book Value per Share		 $88.05 $93.93 $99.86 $103.44 $112.55 $127.47 $131.78 $113.49 $128.29 $137.17
Tangible Book Value per Share		 $70.12 $75.22 $80.58 $83.46 $91.47 $105.68 $105.95 $86.25 $100.85 $109.61
Total Capital		 100,512 99,560 106,673 105,189 109,606 91,236 86,510 104,525 123,878 116,142
Total Debt		 54,532 52,706 59,088 57,419 60,263 37,195 30,784 58,713 72,737 61,673
Total Long-Term Debt		 49,962 48,530 54,299 57,419 60,263 34,174 30,784 55,039 69,711 58,601
Net Debt		 19,921 22,116 25,244 40,918 31,789 -54,995 -51,470 24,350 22,012 15,422
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 -788 -827 -4,555 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 54,532 52,706 59,088 57,419 60,263 37,195 30,784 58,713 72,737 61,673
Total Depreciation and Amortization (D&A)		 1,088 1,193 1,117 1,129 1,315 1,497 1,773 651 217 259
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $7.52 $7.42 $10.49 $10.79 $11.43 $16.99 $12.71 $13.86 $12.80 $13.76
Adjusted Weighted Average Basic Shares Outstanding		 514M 494M 481M 467M 447M 427M 426M 412M 401M 399M
Adjusted Diluted Earnings per Share		 $7.39 $7.30 $10.36 $10.71 $11.39 $16.96 $12.70 $13.85 $12.79 $13.74
Adjusted Weighted Average Diluted Shares Outstanding		 521M 500M 486M 470M 448M 427M 426M 412M 401M 400M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $11.43 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 501.11M 486.16M 471.59M 453.61M 428.73M 424.02M 418.45M 399.68M 397.81M 395.75M
Normalized Net Operating Profit after Tax (NOPAT)		 4,143 3,985 5,388 4,558 4,591 3,003 5,725 6,113 5,647 5,953
Normalized NOPAT Margin		 27.21% 26.28% 33.00% 28.15% 27.26% 17.77% 29.80% 28.94% 26.28% 27.62%
Pre Tax Income Margin		 36.17% 34.65% 33.62% 33.89% 32.61% 20.29% 36.38% 35.38% 31.34% 33.60%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 5.27 4.17 3.22 1.92 1.45 2.52 14.35 3.09 0.65 0.56
NOPAT to Interest Expense		 3.96 3.16 3.16 1.59 1.21 2.21 11.76 2.52 0.54 0.46
EBIT Less CapEx to Interest Expense		 5.27 4.17 3.22 1.92 1.45 2.52 14.35 3.09 0.65 0.56
NOPAT Less CapEx to Interest Expense		 3.96 3.16 3.16 1.59 1.21 2.21 11.76 2.52 0.54 0.46
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 30.34% 31.87% 27.88% 34.36% 39.33% 29.23% 39.98% 44.04% 50.97% 48.53%
Augmented Payout Ratio		 82.28% 83.61% 73.29% 88.18% 105.37% 50.71% 58.83% 105.07% 62.49% 60.07%

Quarterly Metrics and Ratios for The PNC Financial Services Group

This table displays calculated financial ratios and metrics derived from The PNC Financial Services Group's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 6.77% 12.40% 19.42% 3.46% -5.69% -6.98% -8.17% 2.23% 3.80% 3.84%
EBITDA Growth		 -6.62% -12.43% -0.05% -7.32% -8.53% -43.55% -19.84% 1.14% -1.31% 88.43%
EBIT Growth		 11.86% 13.11% 18.46% -3.32% -8.33% -43.91% -19.10% 2.48% 0.16% 80.57%
NOPAT Growth		 10.07% 18.53% 18.54% 0.27% -4.27% -42.96% -20.66% -1.53% -4.14% 84.26%
Net Income Growth		 10.07% 18.53% 18.54% 0.27% -4.27% -42.96% -20.66% -1.53% -4.14% 84.26%
EPS Growth		 14.55% 20.21% 23.22% -0.89% -4.76% -46.38% -22.11% 0.89% -3.06% 103.24%
Operating Cash Flow Growth		 122.56% 15.80% 289.69% 23.71% -96.61% 20.22% -6.29% -68.21% 2,758.26% -62.99%
Free Cash Flow Firm Growth		 -239.29% -372.99% -358.27% -503.69% -27.89% -12.16% 60.39% 73.39% 47.77% 150.69%
Invested Capital Growth		 12.91% 20.82% 45.01% 37.12% 14.10% 18.52% 12.91% 8.14% 7.05% -6.24%
Revenue Q/Q Growth		 8.46% 3.86% -2.78% -5.53% -1.13% 2.45% -4.03% 5.17% 0.39% 2.49%
EBITDA Q/Q Growth		 5.35% -6.76% 8.59% -13.12% 3.98% -42.45% 54.19% 9.63% 1.45% 9.88%
EBIT Q/Q Growth		 10.46% -7.25% 8.83% -13.29% 4.73% -43.25% 56.97% 9.84% 2.36% 2.31%
NOPAT Q/Q Growth		 9.63% -5.61% 9.43% -11.45% 4.67% -43.76% 52.21% 9.90% 1.90% 8.11%
Net Income Q/Q Growth		 9.63% -5.61% 9.43% -11.45% 4.67% -43.76% 52.21% 9.90% 1.90% 8.11%
EPS Q/Q Growth		 11.50% -8.73% 15.36% -15.58% 7.14% -48.61% 67.57% 9.35% 2.95% 7.74%
Operating Cash Flow Q/Q Growth		 28.95% 19.21% -53.63% 73.56% -96.47% 4,129.57% -63.86% -41.13% 217.58% -45.24%
Free Cash Flow Firm Q/Q Growth		 -235.86% -65.53% -96.85% 8.81% 56.96% -45.18% 30.48% 38.75% 15.51% 240.90%
Invested Capital Q/Q Growth		 21.13% 3.13% 5.14% 4.40% 0.80% 7.12% 0.16% -0.01% -0.22% -6.18%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 37.59% 33.75% 37.69% 34.67% 36.46% 20.48% 32.91% 34.30% 34.66% 37.17%
EBIT Margin		 36.55% 32.64% 36.53% 33.53% 35.52% 19.68% 32.19% 33.62% 34.28% 34.22%
Profit (Net Income) Margin		 29.55% 26.86% 30.23% 28.34% 30.00% 16.47% 26.12% 27.30% 27.71% 29.23%
Tax Burden Percent		 80.87% 82.30% 82.76% 84.51% 84.45% 83.70% 81.16% 81.20% 80.83% 85.41%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 19.13% 17.70% 17.24% 15.49% 15.55% 16.30% 18.84% 18.80% 19.17% 14.59%
Return on Invested Capital (ROIC)		 6.34% 5.94% 7.17% 6.34% 6.05% 3.10% 4.70% 4.84% 4.94% 5.25%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.34% 5.94% 7.17% 6.34% 6.05% 3.10% 4.70% 4.84% 4.94% 5.25%
Return on Net Nonoperating Assets (RNNOA)		 5.42% 5.24% 6.38% 6.63% 7.60% 4.20% 6.24% 6.48% 6.30% 6.68%
Return on Equity (ROE)		 11.75% 11.17% 13.55% 12.97% 13.65% 7.30% 10.94% 11.32% 11.24% 11.93%
Cash Return on Invested Capital (CROIC)		 -5.98% -12.46% -29.87% -24.87% -7.35% -12.00% -7.60% -3.41% -2.46% 11.41%
Operating Return on Assets (OROA)		 1.35% 1.24% 1.46% 1.36% 1.39% 0.76% 1.20% 1.28% 1.30% 1.32%
Return on Assets (ROA)		 1.09% 1.02% 1.21% 1.15% 1.18% 0.63% 0.97% 1.04% 1.05% 1.12%
Return on Common Equity (ROCE)		 11.74% 11.17% 13.54% 12.96% 13.65% 7.30% 10.93% 11.31% 11.24% 11.92%
Return on Equity Simple (ROE_SIMPLE)		 12.58% 0.00% 13.00% 12.94% 12.76% 0.00% 10.32% 10.02% 9.35% 0.00%
Net Operating Profit after Tax (NOPAT)		 1,640 1,548 1,694 1,500 1,570 883 1,344 1,477 1,505 1,627
NOPAT Margin		 29.55% 26.86% 30.23% 28.34% 30.00% 16.47% 26.12% 27.30% 27.71% 29.23%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 44.75% 46.24% 44.64% 48.14% 46.95% 49.71% 47.48% 45.59% 47.00% 48.18%
Operating Expenses to Revenue		 59.11% 60.28% 59.27% 63.71% 62.01% 75.99% 64.80% 62.04% 61.25% 62.98%
Earnings before Interest and Taxes (EBIT)		 2,028 1,881 2,047 1,775 1,859 1,055 1,656 1,819 1,862 1,905
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 2,086 1,945 2,112 1,835 1,908 1,098 1,693 1,856 1,883 2,069
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.20 1.27 0.97 0.96 0.94 1.15 1.23 1.16 1.31 1.39
Price to Tangible Book Value (P/TBV)		 1.57 1.67 1.25 1.24 1.21 1.47 1.56 1.47 1.63 1.75
Price to Revenue (P/Rev)		 2.74 2.75 2.16 2.14 2.12 2.74 3.00 2.90 3.41 3.52
Price to Earnings (P/E)		 10.13 10.12 7.94 8.03 7.99 11.43 13.17 12.76 15.31 13.73
Dividend Yield		 4.01% 4.00% 5.05% 5.03% 5.19% 4.13% 3.88% 4.03% 3.41% 3.29%
Earnings Yield		 9.87% 9.88% 12.60% 12.46% 12.52% 8.75% 7.59% 7.83% 6.53% 7.29%
Enterprise Value to Invested Capital (EV/IC)		 0.63 0.79 0.62 0.60 0.57 0.65 0.62 0.75 0.81 0.79
Enterprise Value to Revenue (EV/Rev)		 3.13 3.90 3.11 3.09 3.01 3.77 3.63 4.42 4.67 4.24
Enterprise Value to EBITDA (EV/EBITDA)		 7.63 10.15 8.44 8.59 8.44 11.64 11.68 14.25 15.28 12.18
Enterprise Value to EBIT (EV/EBIT)		 8.83 11.03 8.80 8.86 8.71 12.02 12.03 14.62 15.61 12.62
Enterprise Value to NOPAT (EV/NOPAT)		 10.91 13.49 10.75 10.74 10.43 14.33 14.41 17.71 19.16 15.35
Enterprise Value to Operating Cash Flow (EV/OCF)		 7.51 9.08 5.74 5.45 7.09 8.00 7.64 12.02 9.12 11.59
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6.67
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 1.17 1.28 1.24 1.33 1.34 1.42 1.42 1.36 1.22 1.13
Long-Term Debt to Equity		 1.09 1.20 1.17 1.25 1.28 1.36 1.36 1.36 1.16 1.08
Financial Leverage		 0.86 0.88 0.89 1.04 1.26 1.36 1.33 1.34 1.28 1.27
Leverage Ratio		 10.80 10.98 11.22 11.33 11.61 11.54 11.23 10.93 10.67 10.62
Compound Leverage Factor		 10.80 10.98 11.22 11.33 11.61 11.54 11.23 10.93 10.67 10.62
Debt to Total Capital		 53.90% 56.17% 55.35% 56.99% 57.21% 58.72% 58.60% 57.54% 54.98% 53.10%
Short-Term Debt to Total Capital		 3.86% 3.51% 3.23% 3.34% 2.62% 2.44% 2.40% 0.00% 2.73% 2.65%
Long-Term Debt to Total Capital		 50.04% 52.66% 52.11% 53.65% 54.59% 56.27% 56.20% 57.54% 52.25% 50.46%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.03% 0.04% 0.03% 0.02% 0.02% 0.03% 0.03% 0.03% 0.03% 0.04%
Common Equity to Total Capital		 46.06% 43.79% 44.63% 42.99% 42.76% 41.25% 41.38% 42.43% 44.98% 46.86%
Debt to EBITDA		 6.50 7.23 7.49 8.20 8.48 10.46 11.13 10.89 10.42 8.22
Net Debt to EBITDA		 0.93 3.00 2.59 2.62 2.49 3.17 2.01 4.90 4.12 2.06
Long-Term Debt to EBITDA		 6.04 6.77 7.05 7.72 8.09 10.03 10.67 10.89 9.91 7.81
Debt to NOPAT		 9.31 9.60 9.54 10.25 10.48 12.88 13.73 13.54 13.07 10.36
Net Debt to NOPAT		 1.33 3.98 3.30 3.28 3.07 3.90 2.48 6.09 5.16 2.59
Long-Term Debt to NOPAT		 8.64 9.00 8.98 9.64 10.00 12.34 13.16 13.54 12.42 9.84
Noncontrolling Interest Sharing Ratio		 0.07% 0.07% 0.07% 0.06% 0.06% 0.08% 0.06% 0.06% 0.06% 0.08%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -9,948 -16,467 -32,415 -29,558 -12,722 -18,470 -12,841 -7,865 -6,645 9,363
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 -15.14 -11.56 -15.63 -12.14 -4.57 -5.96 -3.97 -2.41 -1.95 3.15
Operating Cash Flow to Interest Expense		 5.17 2.84 0.90 1.34 0.04 1.57 0.54 0.32 0.96 0.61
Operating Cash Flow Less CapEx to Interest Expense		 5.17 2.84 0.90 1.34 0.04 1.57 0.54 0.32 0.96 0.61
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 101,356 104,525 109,896 114,730 115,648 123,878 124,081 124,072 123,798 116,142
Invested Capital Turnover		 0.21 0.22 0.24 0.22 0.20 0.19 0.18 0.18 0.18 0.18
Increase / (Decrease) in Invested Capital		 11,588 18,015 34,109 31,058 14,292 19,353 14,185 9,342 8,150 -7,736
Enterprise Value (EV)		 64,059 82,434 68,532 68,534 65,853 80,933 76,315 93,428 99,789 91,360
Market Capitalization		 56,217 58,046 47,485 47,574 46,443 58,885 63,119 61,279 72,866 75,894
Book Value per Share		 $113.84 $113.49 $122.71 $123.58 $124.18 $128.29 $128.35 $132.30 $140.10 $137.17
Tangible Book Value per Share		 $87.05 $86.25 $95.22 $96.05 $96.59 $100.85 $101.02 $104.82 $112.60 $109.61
Total Capital		 101,356 104,525 109,896 114,730 115,648 123,878 124,081 124,072 123,798 116,142
Total Debt		 54,633 58,713 60,822 65,384 66,167 72,737 72,707 71,391 68,069 61,673
Total Long-Term Debt		 50,718 55,039 57,272 61,553 63,135 69,711 69,734 71,391 64,688 58,601
Net Debt		 7,807 24,350 21,017 20,934 19,383 22,012 13,162 32,110 26,883 15,422
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 54,633 58,713 60,822 65,384 66,167 72,737 72,707 71,391 68,069 61,673
Total Depreciation and Amortization (D&A)		 58 64 65 60 49 43 37 37 21 164
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $3.78 $3.46 $3.98 $3.36 $3.60 $1.86 $3.10 $3.39 $3.50 $3.77
Adjusted Weighted Average Basic Shares Outstanding		 410M 412M 401M 401M 400M 401M 400M 400M 399M 399M
Adjusted Diluted Earnings per Share		 $3.78 $3.45 $3.98 $3.36 $3.60 $1.85 $3.10 $3.39 $3.49 $3.76
Adjusted Weighted Average Diluted Shares Outstanding		 410M 412M 402M 401M 400M 401M 400M 400M 400M 400M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 403.32M 399.68M 399.11M 398.25M 398.34M 397.81M 397.91M 397.50M 396.78M 395.75M
Normalized Net Operating Profit after Tax (NOPAT)		 1,640 1,548 1,694 1,500 1,570 883 1,344 1,477 1,505 1,627
Normalized NOPAT Margin		 29.55% 26.86% 30.23% 28.34% 30.00% 16.47% 26.12% 27.30% 27.71% 29.23%
Pre Tax Income Margin		 36.55% 32.64% 36.53% 33.53% 35.52% 19.68% 32.19% 33.62% 34.28% 34.22%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 3.09 1.32 0.99 0.73 0.67 0.34 0.51 0.56 0.55 0.64
NOPAT to Interest Expense		 2.50 1.09 0.82 0.62 0.56 0.28 0.42 0.45 0.44 0.55
EBIT Less CapEx to Interest Expense		 3.09 1.32 0.99 0.73 0.67 0.34 0.51 0.56 0.55 0.64
NOPAT Less CapEx to Interest Expense		 2.50 1.09 0.82 0.62 0.56 0.28 0.42 0.45 0.44 0.55
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 43.67% 44.04% 43.76% 44.30% 45.44% 50.97% 54.90% 54.85% 55.54% 48.53%
Augmented Payout Ratio		 106.97% 105.07% 89.40% 79.44% 65.27% 62.49% 62.73% 62.42% 65.48% 60.07%

Frequently Asked Questions About The PNC Financial Services Group's Financials

When does The PNC Financial Services Group's financial year end?

According to the most recent income statement we have on file, The PNC Financial Services Group's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has The PNC Financial Services Group's net income changed over the last 9 years?

The PNC Financial Services Group's net income appears to be on an upward trend, with a most recent value of $5.95 billion in 2024, rising from $4.14 billion in 2015. The previous period was $5.65 billion in 2023.

How has The PNC Financial Services Group revenue changed over the last 9 years?

Over the last 9 years, The PNC Financial Services Group's total revenue changed from $15.23 billion in 2015 to $21.56 billion in 2024, a change of 41.6%.

How much debt does The PNC Financial Services Group have?

The PNC Financial Services Group's total liabilities were at $505.57 billion at the end of 2024, a 1.0% decrease from 2023, and a 61.8% increase since 2015.

How much cash does The PNC Financial Services Group have?

In the past 9 years, The PNC Financial Services Group's cash and equivalents has ranged from $4.07 billion in 2015 to $8.00 billion in 2021, and is currently $6.90 billion as of their latest financial filing in 2024.

How has The PNC Financial Services Group's book value per share changed over the last 9 years?

Over the last 9 years, The PNC Financial Services Group's book value per share changed from 88.05 in 2015 to 137.17 in 2024, a change of 55.8%.

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This page (NYSE:PNC) was last updated on 4/15/2025 by MarketBeat.com Staff
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