Pnc Financial Services Group, Inc. - Understand $pnc stock

$PNC Market Cap: $82.5 Billion

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$10.58B

TTM

Gross Margin

Net Earnings

$4.731B

TTM

Current Assets

Current Liabilities

$16.39B

Q3 2024

Current Ratio

Total Assets

$564.9B

Q3 2024

Total Liabilities

$509.2B

Q3 2024

Book Value

$55.69B

Q3 2024

Cash

$41.19B

Q3 2024

P/E

17.44

Nov 29, 2024 EST

Free Cash Flow

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983
Revenue	$21.49B	$21.12B	$19.21B	$16.90B	$16.84B	$16.19B	$16.33B	$15.16B	$15.23B	$15.38B	$16.01B	$15.51B	$14.33B	$15.18B	$16.23B
YoY Change	1.75%	9.94%	13.67%	0.37%	4.01%	-0.85%	7.7%	-0.41%	-0.98%	-3.98%	3.22%	8.28%	-5.6%	-6.48%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Revenue	$21.49B	$21.12B	$19.21B	$16.90B	$16.84B	$16.19B	$16.33B	$15.16B	$15.23B	$15.38B	$16.01B	$15.51B	$14.33B	$15.18B	$16.23B
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$1.149B	$1.139B	$1.066B	$983.0M	$1.035B	$940.0M	$921.0M	$843.0M	$809.0M	$776.0M	$715.0M	$707.0M	$659.0M	$697.0M	$773.0M	$463.0M	$391.0M	$345.0M	$375.0M	$302.0M	$289.0M	$242.0M	$309.0M	$283.0M	$305.0M	$310.0M	$346.0M	$290.0M	$296.0M	$252.0M	$139.0M	$166.0M	$119.0M	$121.0M	$96.00M	$109.0M
YoY Change	0.88%	6.85%	8.44%	-5.02%	10.11%	2.06%	9.25%	4.2%	4.25%	8.53%	1.13%	7.28%	-5.45%	-9.83%	66.95%	18.41%	13.33%	-8.0%	24.17%	4.5%	19.42%	-21.68%	9.19%	-7.21%	-1.61%	-10.4%	19.31%	-2.03%	17.46%	81.29%	-16.27%	39.5%	-1.65%	26.04%	-11.93%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Interest Expense	$10.39B	$2.422B	$487.0M	$1.361B	$3.797B	$2.861B	$1.706B	$1.261B	$1.045B	$906.0M	$860.0M	$1.094B	$1.494B	$1.920B	$3.003B
YoY Change	329.07%	397.33%	-64.22%	-64.16%	32.72%	67.7%	35.29%	20.67%	15.34%	5.35%	-21.39%	-26.77%	-22.19%	-36.06%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983
Pretax Income	$6.736B	$7.473B	$6.988B	$3.429B	$5.492B	$5.486B	$4.413B	$5.253B	$5.507B	$5.614B	$5.688B	$4.039B	$4.069B	$4.061B	$3.225B	$1.094B	$1.924B	$3.958B	$1.929B	$1.735B	$1.568B	$1.821B	$564.0M	$1.848B	$1.788B	$1.651B	$1.618B	$1.527B	$627.0M	$1.210B	$1.141B	$788.0M	-$40.00M	-$266.0M	$779.0M	$925.0M	$549.0M	$616.0M	$522.0M	$387.0M	$310.0M
YoY Change	-9.86%	6.94%	103.79%	-37.56%	0.11%	24.31%	-15.99%	-4.61%	-1.91%	-1.3%	40.83%	-0.74%	0.2%	25.92%	194.79%	-43.14%	-51.39%	105.18%	11.18%	10.65%	-13.89%	222.87%	-69.48%	3.36%	8.3%	2.04%	5.96%	143.54%	-48.18%	6.05%	44.8%	-2070.0%	-84.96%	-134.15%	-15.78%	68.49%	-10.88%	18.01%	34.88%	24.84%
Income Tax	$1.089B	$1.360B	$1.263B	$426.0M	$901.0M	$928.0M	-$185.0M	$1.268B	$1.364B	$1.407B	$1.476B	$1.045B	$998.0M	$1.037B	$867.0M	$298.0M	$561.0M	$1.363B	$604.0M	$538.0M	$539.0M	$621.0M	$187.0M	$634.0M	$586.0M	$571.0M	$566.0M	$535.0M	$219.0M	$318.0M	$262.0M	$252.0M	$115.0M	-$142.0M	$195.0M	$240.0M	$115.0M	$116.0M	$105.0M	$67.00M	$50.00M
% Of Pretax Income	16.17%	18.2%	18.07%	12.42%	16.41%	16.92%	-4.19%	24.14%	24.77%	25.06%	25.95%	25.87%	24.53%	25.54%	26.88%	27.24%	29.16%	34.44%	31.31%	31.01%	34.38%	34.1%	33.16%	34.31%	32.77%	34.59%	34.98%	35.04%	34.93%	26.28%	22.96%	31.98%			25.03%	25.95%	20.95%	18.83%	20.11%	17.31%	16.13%
Net Earnings	$5.126B	$6.113B	$5.725B	$7.558B	$5.418B	$5.346B	$5.388B	$3.985B	$4.143B	$4.207B	$4.212B	$2.994B	$3.071B	$3.397B	$2.403B	$882.0M	$1.467B	$2.595B	$1.325B	$1.197B	$1.001B	$1.184B	$377.0M	$1.279B	$1.264B	$1.115B	$1.052B	$992.0M	$408.0M	$885.0M	$860.0M	$433.0M	-$155.0M	-$124.0M	$584.0M	$685.0M	$434.0M	$500.0M	$417.0M	$320.0M	$260.0M
YoY Change	-16.15%	6.78%	-24.25%	39.5%	1.35%	-0.78%	35.21%	-3.81%	-1.52%	-0.12%	40.68%	-2.51%	-9.6%	41.36%	172.45%	-39.88%	-43.47%	95.85%	10.69%	19.58%	-15.46%	214.06%	-70.52%	1.19%	13.36%	5.99%	6.05%	143.14%	-53.9%	2.91%	98.61%	-379.35%	25.0%	-121.23%	-14.74%	57.83%	-13.2%	19.9%	30.31%	23.08%
Net Earnings / Revenue	23.85%	28.94%	29.8%	44.72%	32.18%	33.02%	33.0%	26.28%	27.21%	27.36%	26.31%	19.3%	21.44%	22.38%	14.81%
Basic Earnings Per Share	$12.80	$13.86	$12.71	$16.99	$11.43	$10.79	$10.49	$7.42	$7.52	$7.44	$7.45	$5.33	$5.70	$5.80	$4.40
Diluted Earnings Per Share	$12.78	$13.85	$12.70	$16.96	$11.39	$10.71	$10.36	$7.30	$7.39	$7.30	$7.36	$5.28	$5.64	$5.74	$4.36	$2.549M	$4.392M	$8.737M	$4.569M	$4.215M	$3.562M	$4.154M	$1.300M	$4.365M	$4.213M	$3.656M	$3.329M	$2.875M	$1.186M	$2.529M	$2.486M	$1.401M	-$563.6K	-$462.7K	$2.204M	$2.625M	$1.722M	$2.058M	$1.782M	$1.481M	$1.281M

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985	1984	1983
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$10.26B	$10.61B	$10.51B	$9.563B	$9.728B	$5.727B	$5.436B	$5.522B	$5.908B	$5.643B		$5.428B	$4.644B	$4.059B	$4.197B	$3.229B	$2.001B	$1.702B	$1.717B	$1.482B							$0.00	$0.00	$0.00	$0.00	$155.0M	$715.0M	$675.0M	$744.0M	$713.0M	$630.0M	$604.0M	$552.0M	$523.0M	$415.0M	$349.0M
YoY Change	-3.29%	0.94%	9.92%	-1.7%	69.86%	5.35%	-1.56%	-6.53%	4.7%			16.88%	14.41%	-3.29%	29.98%	61.37%	17.57%	-0.87%	15.86%											-100.0%	-78.32%	5.93%	-9.27%	4.35%	13.17%	4.3%	9.42%	5.54%	26.02%	18.91%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments	$8.314B	$8.437B	$8.180B	$6.052B	$13.73B	$12.89B	$11.39B	$10.73B	$10.59B	$10.73B	$10.56B	$10.88B	$10.13B	$9.220B	$10.25B	$8.554B	$6.045B	$5.330B	$1.323B								$0.00	$0.00	$0.00	$19.88B	$25.52B
YoY Change	-1.46%	3.14%	35.16%	-55.93%	6.51%	13.18%	6.19%	1.33%	-1.31%	1.59%	-2.91%	7.33%	9.91%	-10.08%	19.87%	41.51%	13.41%	302.87%											-100.0%	-22.09%
Other Assets																								$356.0M	$263.0M
YoY Change																								35.36%
Total Long-Term Assets
YoY Change
Total Assets	$561.6B	$557.3B	$557.2B	$466.7B	$410.3B	$382.3B	$380.8B	$366.4B	$358.5B	$345.1B	$320.2B	$305.1B	$271.2B	$264.3B	$269.9B	$291.1B	$138.9B	$101.8B	$91.95B	$79.72B	$68.17B	$66.38B	$69.64B	$69.84B	$69.29B	$77.21B	$75.12B	$73.26B	$73.40B	$77.46B	$75.99B	$65.80B	$63.06B	$69.12B	$69.39B	$62.41B	$55.97B	$50.24B	$43.05B	$34.01B	$28.50B
YoY Change
Accounts Payable
YoY Change
Accrued Expenses	$15.62B	$15.76B	$12.74B	$9.514B	$11.83B	$9.002B	$8.745B	$9.355B	$4.975B	$5.187B	$4.690B	$4.449B	$4.175B	$3.188B	$3.590B	$3.949B	$4.330B	$3.970B	$2.770B	$2.406B	$2.275B	$2.046B	$1.684B
YoY Change	-0.89%	23.71%	33.92%	-19.58%	31.43%	2.94%	-6.52%	88.04%	-4.09%	10.6%	5.42%	6.56%	30.96%	-11.2%	-9.09%	-8.8%	9.07%	43.32%	15.13%	5.76%	11.19%	21.5%
Deferred Revenue
YoY Change
Short-Term Debt									$1.791B	$8.505B	$9.286B	$11.78B	$9.623B	$10.70B	$6.231B	$9.242B	$12.54B	$7.391B	$8.553B	$5.531B	$3.786B	$1.037B	$1.383B	$2.701B	$2.669B	$8.781B	$8.099B	$7.860B	$8.665B	$12.19B	$12.34B	$15.11B	$10.07B	$10.50B	$13.32B	$11.22B	$10.58B	$8.699B	$7.474B	$5.547B	$4.521B
YoY Change									-78.94%	-8.41%	-21.17%	22.42%	-10.06%	71.71%	-32.58%	-26.29%	69.65%	-13.59%	54.64%	46.09%	265.09%	-25.02%	-48.8%	1.2%	-69.6%	8.42%	3.04%	-9.29%	-28.93%	-1.16%	-18.34%	49.96%	-4.06%	-21.15%	18.73%	6.02%	21.61%	16.39%	34.74%	22.69%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$15.62B	$15.76B	$12.74B	$9.514B	$11.83B	$9.002B	$8.745B	$9.355B	$4.975B	$5.187B	$4.690B	$4.449B	$4.175B	$3.188B	$3.590B	$3.949B	$4.330B	$3.970B	$2.770B	$2.406B	$2.275B	$2.046B	$1.684B	$2.701B	$2.669B	$8.781B	$8.099B	$7.860B	$8.665B	$12.19B	$12.34B	$15.11B	$10.07B	$10.50B	$13.32B	$11.22B	$10.58B	$8.699B	$7.474B	$5.547B	$4.521B
YoY Change	-0.89%	23.71%	33.92%	-19.58%	31.43%	2.94%	-6.52%	88.04%	-4.09%	10.6%	5.42%	6.56%	30.96%	-11.2%	-9.09%	-8.8%	9.07%	43.32%	15.13%	5.76%	11.19%	21.5%	-37.65%	1.2%	-69.6%	8.42%	3.04%	-9.29%	-28.93%	-1.16%	-18.34%	49.96%	-4.06%	-21.15%	18.73%	6.02%	21.61%	16.39%	34.74%	22.69%
Long-Term Debt	$34.74B	$26.64B	$30.78B	$33.70B	$43.92B	$35.92B	$38.05B	$35.16B	$32.63B	$28.26B	$23.91B	$19.69B	$20.11B	$22.75B	$22.27B	$24.87B	$11.33B	$7.595B	$8.344B	$6.433B	$6.552B	$6.823B	$8.660B	$8.517B	$9.302B	$12.17B	$11.52B	$11.74B	$10.40B	$12.13B	$9.972B	$1.809B	$1.751B	$1.309B	$1.166B	$794.0M	$1.135B	$987.0M	$787.0M	$592.0M	$534.0M
YoY Change	30.4%	-13.47%	-8.64%	-23.28%	22.28%	-5.61%	8.23%	7.73%	15.48%	18.2%	21.42%	-2.11%	-11.57%	2.14%	-10.47%	119.58%	49.14%	-8.98%	29.71%	-1.82%	-3.97%	-21.21%	1.68%	-8.44%	-23.53%	5.57%	-1.88%	12.94%	-14.26%	21.61%	451.24%	3.31%	33.77%	12.26%	46.85%	-30.04%	14.99%	25.41%	32.94%	10.86%
Other Long-Term Liabilities	$663.0M	$694.0M	$662.0M	$584.0M	$318.0M	$285.0M	$297.0M	$301.0M	$4.004B	$4.809B	$4.429B	$4.844B	$5.114B	$5.380B	$7.523B	$14.38B	$4.455B	$4.848B	$2.859B	$4.107B	$2.092B	$3.104B	$2.567B	$3.697B	$3.309B	$2.722B	$2.465B	$2.111B	$1.674B	$1.596B	$3.530B	$2.266B	$1.083B	$1.241B	$1.749B	$1.616B	$1.848B	$1.487B	$1.390B	$1.685B	$1.503B
YoY Change	-4.47%	4.83%	13.36%	83.65%	11.58%	-4.04%	-1.33%	-92.48%	-16.74%	8.58%	-8.57%	-5.28%	-4.94%	-28.49%	-47.68%	222.76%	-8.11%	69.57%	-30.39%	96.32%	-32.6%	20.92%	-30.57%	11.73%	21.57%	10.43%	16.77%	26.11%	4.89%	-54.79%	55.78%	109.23%	-12.73%	-29.05%	8.23%	-12.55%	24.28%	6.98%	-17.51%	12.11%
Total Long-Term Liabilities	$35.40B	$27.33B	$31.45B	$34.28B	$44.24B	$36.20B	$38.35B	$35.46B	$36.64B	$33.07B	$28.34B	$24.53B	$25.23B	$28.13B	$29.79B	$39.25B	$15.78B	$12.44B	$11.20B	$10.54B	$8.644B	$9.927B	$11.23B	$12.21B	$12.61B	$14.89B	$13.99B	$13.86B	$12.07B	$13.72B	$13.50B	$4.075B	$2.834B	$2.550B	$2.915B	$2.410B	$2.983B	$2.474B	$2.177B	$2.277B	$2.037B
YoY Change	29.52%	-13.08%	-8.26%	-22.52%	22.2%	-5.59%	8.15%	-3.22%	10.8%	16.7%	15.5%	-2.75%	-10.3%	-5.59%	-24.1%	148.71%	26.83%	11.07%	6.29%	21.93%	-12.92%	-11.58%	-8.08%	-3.15%	-15.29%	6.43%	0.96%	14.77%	-12.03%	1.64%	231.34%	43.79%	11.14%	-12.52%	20.95%	-19.21%	20.57%	13.64%	-4.39%	11.78%
Total Liabilities	$510.5B	$511.5B	$501.5B	$412.7B	$361.0B	$334.6B	$333.3B	$320.7B	$313.8B	$300.5B	$277.9B	$266.1B	$237.2B	$234.0B	$239.9B	$265.7B	$124.1B	$91.03B	$83.39B	$72.25B	$61.52B	$59.52B	$63.82B	$63.19B	$63.34B	$71.16B	$69.74B	$67.39B	$67.64B	$71.73B	$70.54B	$61.21B	$59.02B	$65.25B	$65.04B	$58.45B	$52.55B	$47.18B	$40.45B	$31.94B	$26.75B
YoY Change	-0.2%	1.99%	21.52%	14.32%	7.89%	0.4%	3.92%	2.2%	4.41%	8.16%	4.42%	12.21%	1.33%	-2.45%	-9.69%	114.13%	36.29%	9.16%	15.42%	17.44%	3.37%	-6.73%	0.99%	-0.24%	-10.99%	2.05%	3.48%	-0.36%	-5.71%	1.69%	15.24%	3.72%	-9.55%	0.32%	11.27%	11.22%	11.39%	16.65%	26.63%	19.43%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Basic Shares Outstanding	401.0M shares	412.0M shares	426.0M shares	427.0M shares	447.0M shares	467.0M shares	481.0M shares	494.0M shares	514.0M shares	529.0M shares	528.0M shares	526.0M shares	524.0M shares	517.0M shares	454.0M shares
Diluted Shares Outstanding	401.0M shares	412.0M shares	426.0M shares	427.0M shares	448.0M shares	470.0M shares	486.0M shares	500.0M shares	521.0M shares	537.0M shares	532.0M shares	529.0M shares	526.0M shares	520.0M shares	455.0M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $82.499 Billion

About PNC FINANCIAL SERVICES GROUP, INC.

The PNC Financial Services Group, Inc. is a holding company, which engages in the provision of financial services. The company is headquartered in Pittsburgh, Pennsylvania and currently employs 53,749 full-time employees. The firm is engaged in retail banking, including residential mortgage, corporate and institutional banking and asset management, providing many of its products and services nationally. The Company’s retail branch network is located coast-to-coast. The firm has three segments: Retail Banking, Corporate & Institutional Banking, and Asset Management Group. Retail Banking provides deposit, lending, brokerage, insurance services, investment management and cash management products and services to consumer and small business customers. Corporate & Institutional Banking provides lending, treasury management, capital markets and advisory products and services to mid-sized and large corporations and government and not-for-profit entities. Asset Management Group provides private banking for high net worth and ultra-high net worth clients and institutional asset management. The Company’s bank subsidiary is PNC Bank.

Industry: National Commercial Banks Peers: TRUIST FINANCIAL CORP CITIZENS FINANCIAL GROUP INC/RI FIFTH THIRD BANCORP M&T BANK CORP FIRST REPUBLIC BANK HUNTINGTON BANCSHARES INC /MD/ KEYCORP /NEW/ REGIONS FINANCIAL CORP SVB FINANCIAL GROUP