PNC Financial Services Group (PNC)

From the record

PNC Financial Services Group's filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

From the record

PNC Financial Services Group's 10 filed years say what it did: revenue went from $15 billion in fiscal 2016 to $23 billion in fiscal 2025, up 4.8% a year; it rose in 8 of 9 years; the deepest fall was 1% from fiscal 2017 to fiscal 2018; net income was positive in 10 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, PNC Financial Services Group's diluted share count shrank about 1.3% a year, and dividends and buybacks returned about 46% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 16 sales and 1 purchase of their own stock on the open market in the year to 2026-10-05, buying about $4 thousand (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, PNC Financial Services Group earned about 12 cents of profit for every dollar of shareholders' money. Leverage: it owed about 89 cents per dollar of assets, and net share issuance: its share count shrank 1.0% over the year (the filed statements).

From the record

PNC Financial Services Group's standing among 79 graded names in its industry family: revenue of $23 billion in fiscal 2025 ranks in the top 11% by size; a net margin of 30.3% ranks in the top 16%; revenue growth of 3% a year over the last 3 filed years ranks in the bottom 6% (its annual reports).

From the record

PNC Financial Services Group's leadership, from its insiders' filings and its current reports: the chief executive on the record is Demchak, William S (CEO, as filed), filing under that title since 2013-10-25, 13.1 years (top 20% of its family); the 28 officers and directors filing in the last fifteen months have been on the record a median of 6.1 years (bottom 35%); 10 officer or director changes were reported on Form 8-K since 2023-11-13, against the 28 people in charge now (bottom 47%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

PNC Financial Services Group's room to grow, from the newest filed statements (fiscal 2025): cash of $40 billion against debt of $57 billion leaves -3% of its assets as net cash, bottom 9% of its family; cash from operations less capital spending is 19% of revenue (bottom 34%) (its annual report).

From the record

PNC Financial Services Group's growth drivers, from the filed years to fiscal 2025: revenue grew 3% a year over the last three filed years against 4.8% over all 10, slowing (bottom 18% of its family); the newest year grew 7.2% (top 32%) (its annual reports). PNC Financial Services Group reported 2 lines of business in fiscal 2025: Retail Banking at $15 billion, Asset Management Group at $1.7 billion. 2 of 2 grew in the latest filed year, and the largest line is 90% of revenue (its annual report).

From the record

PNC Financial Services Group's newest year against its own record: revenue of $23 billion in fiscal 2025 came in 6.1% above the $22 billion its prior three years' pace pointed to (top 6% of its family); net income of $7.0 billion against a prior three-year average of $5.9 billion (bottom 45%); a net margin of 30.3% against 27.6% before (top 20%) (its annual reports).