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PNC Financial Services

NYSE: PNC

Stock price

219.68 USD

(+0%) TODAY

Diversified BanksBanks - Regional
Financials

all figures in US$ Millions except per share data

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Actual
10 year cagr
Help
Where available up to 10y CAGR shown for absolute numbers 10y Average marked A shown for relative numbers such as margins
Fiscal
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Average (A)
Fiscal period end dates
Expand all rows
01Earnings per share
Help
Earnings per share = Net Income / Number of Shares Outstanding
7.4
7.3
10.4
10.7
11.4
6.4
12.7
13.9
12.8
13.7
16.6
8.4%
02Free cash flow per share
10.6
7
11.5
16.7
16.4
10.9
16.9
22
25.2
19.7
11.1
0.5%
03Dividends per share
2
2.1
2.6
3.4
4.2
4.6
4.8
5.8
6.1
6.3
6.6
12.6%
04Dividends payout, %
30.6%
32.5%
28.1%
34.7%
39.7%
29.4%
40.3%
44.6%
51.6%
49.1%
42.4%
3.3%
PROFIT AND LOSS STATEMENT
05Revenue
16,270
16,423
18,035
19,051
20,636
18,262
19,698
23,536
31,901
33,694
33,974
7.6%
06% Change
-
-
-
-
-
-
-
-
-
-
-
7.6%
07Cost of revenue
(1,300)
(1,694)
(2,147)
(3,269)
(4,570)
(4,536)
(292)
(2,893)
(11,153)
(13,682)
(11,654)
24.5%
08Gross profit
14,970
14,729
15,888
15,782
16,066
13,726
19,990
20,643
20,748
20,012
22,320
4.1%
09% Margin
92%
89.7%
88.1%
82.8%
77.9%
75.2%
101.5%
87.7%
65%
59.4%
65.7%
80.5% A
10Operating expenses
(9,463)
(9,476)
(10,398)
(10,296)
(10,574)
(10,297)
(13,002)
(13,170)
(14,012)
(12,770)
(13,834)
3.9%
11% of Revenue
(58.2)%
(57.7)%
(57.7)%
(54)%
(51.2)%
(56.4)%
(66)%
(56)%
(43.9)%
(37.9)%
(40.7)%
(52.7)% A
12Operating Income
5,507
5,253
5,490
5,486
5,492
3,429
6,988
7,473
6,736
7,242
8,486
4.4%
13Income tax expense
(1,364)
(1,268)
(102)
(928)
(901)
(426)
(1,263)
(1,360)
(1,089)
(1,289)
(1,489)
0.9%
14Net Income
4,106
3,903
5,338
5,301
5,369
7,517
5,674
6,041
5,578
5,889
6,936
5.4%
15% Margin
25.2%
23.8%
29.6%
27.8%
26%
41.2%
28.8%
25.7%
17.5%
17.5%
20.4%
25.8% A
16Shares Outstanding
521
500
486
470
448
427
426
412
401
400
394
(2.8)%
17EPS Basic
7.5
7.4
10.5
10.8
11.4
6.4
12.7
13.9
12.8
13.8
16.6
8.3%
18EPS Diluted
7.4
7.3
10.4
10.7
11.4
6.4
12.7
13.9
12.8
13.7
16.6
8.4%
19EBITDA
6,595
6,446
6,607
6,615
6,807
4,926
8,761
8,124
6,953
7,501
8,867
3%
% Margin
40.5%
39.3%
36.6%
34.7%
33%
27%
44.5%
34.5%
21.8%
22.3%
26.1%
32.8% A
20Net Interest Income (expense)
8,278
8,391
9,108
9,721
9,965
9,946
10,647
13,014
13,916
13,499
14,410
5.7%
21Net Debt / EBITDA
3.3
3.5
3.9
6.2
4.7
(10.7)
(5.6)
3
3.2
2.1
2
1.4 A
BALANCE SHEET
ASSETS
Current Assets
22Cash & equivalents
34,611
30,590
33,844
16,501
28,474
92,190
82,254
34,363
50,725
46,251
39,713
1.4%
23Short-term investments
55,760
60,104
57,618
63,389
69,163
87,358
131,536
44,159
41,785
9,385
10,673
(15.2)%
24Accounts receivable
7,430
7,546
7,898
7,266
7,110
6,257
6,040
6,404
6,460
6,695
-
(1.2)%
25Other current assets
-
-
-
-
-
-
-
-
-
-
-
-
26Inventory
-
-
-
-
-
-
-
-
-
-
-
-
27Total Current Assets
97,801
98,240
99,360
87,156
104,747
185,805
219,830
84,926
98,970
62,331
50,386
(6.4)%
Non-Current Assets
28Net property, plant & equipment
-
-
-
-
-
1,876
1,919
-
-
-
-
2.3%
29Long-term investments
223,544
231,272
243,693
250,602
264,665
243,779
292,921
419,502
410,089
446,083
460,277
7.5%
30Other non-current assets
37,148
36,868
37,715
44,557
40,883
35,219
42,521
52,835
52,521
51,624
62,909
5.4%
31Total Non-Current Assets
260,692
268,140
281,408
295,159
305,548
280,874
337,361
472,337
462,610
497,707
523,186
7.2%
Total Assets
358,493
366,380
380,768
382,315
410,295
466,679
557,191
557,263
561,580
560,038
573,572
4.8%
LIABILITIES
Current Liabilities
32Accounts payable
-
-
-
-
-
-
-
-
-
-
-
-
33Short-term debt
2,038
301
297
285
318
-
-
-
-
-
-
(37.2)%
34Other current liabilities
257,080
265,624
273,798
276,841
300,371
374,859
470,019
452,044
421,418
426,738
440,866
5.5%
35Total Current Liabilities
259,118
265,925
274,095
277,126
300,689
374,859
470,019
452,044
421,418
426,738
440,866
5.5%
Non-Current Liabilities
36Long-term debt
54,532
52,706
59,088
57,419
60,263
39,292
33,004
58,713
72,737
61,673
57,101
0.5%
37Other non-current liabilities
(1,137)
895
-
-
-
(1,513)
(1,558)
694
16,284
17,158
14,969
-
38Total Non-Current Liabilities
53,395
53,601
59,088
57,419
60,263
37,779
31,446
59,407
89,021
78,831
72,070
3%
39Total Liabilities
312,513
319,526
333,183
334,545
360,952
412,638
501,465
511,451
510,439
505,569
512,936
5.1%
SHAREHOLDERS` EQUITY
40Common stock
2,708
2,709
2,710
2,711
2,712
2,713
2,713
2,714
2,716
2,717
2,717
-
41Retained earnings / (deficit)
29,043
31,670
35,481
38,919
42,215
46,848
50,228
53,572
56,290
59,282
63,266
8.1%
42Accumulated other comprehensive income / (loss)
130
(265)
(148)
(725)
799
2,770
409
(10,172)
(7,712)
(6,565)
(3,408)
-
43Noncontrolling interests
1,270
1,155
72
42
29
31
31
38
36
44
51
(27.5)%
44Total shareholders' equity
45,980
46,854
47,585
47,770
49,343
54,041
55,726
45,812
51,141
54,469
60,636
2.8%
45Total Liabilities and shareholders' Equity
358,493
366,380
380,768
382,315
410,295
466,679
557,191
557,263
561,580
560,038
573,572
4.8%
46Total Debt
56,570
53,007
59,385
57,704
60,581
39,292
33,004
58,713
72,737
61,673
57,101
0.1%
47Net Debt
21,959
22,417
25,541
41,203
32,107
(52,898)
(49,250)
24,350
22,012
15,422
17,388
(2.3)%
CASH FLOW STATEMENT
CASH FLOWS FROM OPERATING ACTIVITIES
48Net income (loss)
4,106
3,903
5,338
5,301
5,369
7,517
5,674
6,041
5,578
5,889
6,936
5.4%
49Depreciation & amortization
1,088
1,193
1,117
1,129
1,315
1,497
1,773
651
217
259
381
(10)%
50Share-based compensation expense
-
-
-
-
-
-
-
-
-
-
-
-
51Changes in working capital and other assets
331
(1,596)
(876)
1,410
679
(4,355)
(233)
2,391
4,316
1,732
(2,933)
-
52Net cash flows from operating activities
5,525
3,500
5,579
7,840
7,363
4,659
7,214
9,083
10,111
7,880
4,384
(2.3)%
CASH FLOWS FROM INVESTING ACTIVITIES
53Purchases of property, plant and equipment
-
-
-
-
-
-
-
-
-
-
-
-
54Purchases of investments / marketable securities
(31,263)
(23,800)
(19,210)
(26,788)
(25,490)
(45,409)
(85,583)
(41,005)
(5,662)
(32,111)
(22,082)
(3.4)%
55Proceeds from maturities of marketable securities
16,675
17,726
19,329
19,340
23,077
44,812
57,151
22,576
13,955
26,592
24,825
4.1%
56Other investing activities
(1,672)
(1,233)
(15,014)
3,479
(22,577)
(50,525)
25,637
(41,929)
1,812
2,287
(18,360)
27.1%
57Net cash flows from investing activities
(16,260)
(7,307)
(14,895)
(3,969)
(24,990)
(51,122)
(2,795)
(60,358)
10,105
(3,232)
(15,617)
(0.4)%
CASH FLOWS FROM FINANCING ACTIVITIES
58Issuance (repurchases) of common stock, net
(2,513)
(1,911)
(2,315)
(2,808)
(3,488)
(1,559)
(1,013)
(2,938)
(95)
(1,118)
(1,268)
(6.6)%
59Dividends paid, net
(1,257)
(1,270)
(1,502)
(1,837)
(2,131)
(2,209)
(2,289)
(2,692)
(2,878)
(2,889)
(2,943)
8.9%
60Debt issuance (repayments), net
(634)
(1,314)
6,660
(1,933)
(2,277)
(18,270)
(7,945)
29,985
13,612
(10,345)
(5,220)
23.5%
61Other financing activities
14,844
9,116
6,843
3,066
24,976
70,457
7,815
(20,971)
(14,493)
5,230
14,126
(0.5)%
62Net cash flows from financing activities
10,440
4,621
9,686
(3,512)
17,080
48,419
(3,432)
3,384
(3,854)
(9,122)
4,695
(7.7)%
63Increase (decrease) in cash and cash equivalents
(295)
814
370
359
(547)
1,956
987
(47,891)
16,362
(4,474)
(6,538)
36.3%
64Cash and equivalents, ending balance
4,065
4,879
5,249
5,608
5,061
7,017
8,004
34,363
50,725
46,251
39,713
25.6%
65Free Cash Flow to the Firm (FCFF)
Help
Free Cash Flow to the Firm = Cash Flows from Operating Activities - Capital Expenditures
5,525
3,500
5,579
7,840
7,363
4,659
7,214
9,083
10,111
7,880
4,384
(2.3)%

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