PNC (The PNC Financial Services Group, Inc.) Stock Financials & Earnings | Market Cap Arena

PNC (The PNC Financial Services Group, Inc.) Stock Financials & Earnings | Market Cap Arena

PNCThe PNC Financial Services Group, Inc.

Mkt Cap$84B

Financial Services·Banks - Regional·🇺🇸 United States·NYSE

Revenue (TTM)$34.0B

Net Income (TTM)$6.9B

EPS (TTM)$16.59

Free Cash Flow (TTM)$5.9B

Gross Margin65.7%

Op. Margin25.0%

Net Margin20.4%

FCF Margin17.4%

P/S Ratio (TTM)2.5x

P/E Ratio (TTM)12.1x

YoY Rev Growth+0.9%

Employees—

Earnings Reports

Revenue & Profitability

Quarter	Revenue	Gross Profit	Op. Income
Q1 23	$7.6B	$5.4B	$2.0B
Q2 23	$7.7B	$5.1B	$1.8B
Q3 23	$8.0B	$5.1B	$1.9B
Q4 23	$8.5B	$5.1B	$1.1B
Q1 24	$8.4B	$5.0B	$1.7B
Q2 24	$7.9B	$4.4B	$1.8B
Q3 24	$8.8B	$5.2B	$1.9B
Q4 24	$8.5B	$5.4B	$1.9B
Q1 25	$8.1B	$5.2B	$1.8B
Q2 25	$8.4B	$5.4B	$2.0B
Q3 25	$8.8B	$5.7B	$2.3B
Q4 25	$8.7B	$5.9B	$2.3B

Revenue Breakdown

Valuation

Quarter	P/S	P/E
Q1 23	3.2x	13.3x
Q2 23	2.9x	13.3x
Q3 23	2.7x	13.4x
Q4 23	2.6x	15.0x
Q1 24	2.6x	16.0x
Q2 24	2.6x	16.1x
Q3 24	2.5x	16.3x
Q4 24	2.5x	14.3x
Q1 25	2.5x	13.9x
Q2 25	2.5x	13.5x
Q3 25	2.5x	12.9x
Q4 25	2.5x	12.1x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 23	$1.9B	$1.9B
Q2 23	$3.3B	$3.3B
Q3 23	$115M	$115M
Q4 23	$4.9B	$4.9B
Q1 24	$1.8B	$1.8B
Q2 24	$1.0B	$1.0B
Q3 24	$3.3B	$3.3B
Q4 24	$1.8B	$1.8B
Q1 25	-$509M	-$509M
Q2 25	$1.5B	$1.5B
Q3 25	$2.7B	$2.7B
Q4 25	$2.3B	$2.3B

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q1 23	+58.9%	+81.5%
Q2 23	+44.5%	+69.6%
Q3 23	+29.2%	+47.4%
Q4 23	+18.1%	+40.2%
Q1 24	+9.6%	+20.1%
Q2 24	+2.7%	+2.8%
Q3 24	+10.3%	+13.3%
Q4 24	+0.7%	-10.7%
Q1 25	-3.4%	-7.0%
Q2 25	+5.5%	+3.8%
Q3 25	-0.6%	-6.8%
Q4 25	+2.2%	-3.6%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 23	$0	0.0%
Q2 23	$0	0.0%
Q3 23	$0	0.0%
Q4 23	$0	0.0%
Q1 24	$0	0.0%
Q2 24	$0	0.0%
Q3 24	$0	0.0%
Q4 24	$0	0.0%
Q1 25	$0	0.0%
Q2 25	$0	0.0%
Q3 25	$0	0.0%
Q4 25	$0	0.0%

OpEx Breakdown

Quarter	G&A	S&M
Q1 23	$1.8B	$74M
Q2 23	$1.8B	$109M
Q3 23	$1.8B	$93M
Q4 23	$2.0B	$74M
Q1 24	$1.8B	$64M
Q2 24	$1.8B	$93M
Q3 24	$1.9B	$93M
Q4 24	$1.9B	$112M
Q1 25	$1.9B	$85M
Q2 25	$1.9B	$99M
Q3 25	$2.6B	$93M
Q4 25	$2.7B	$101M

Revenue Segments

Quarter

War Chest

Quarter	Cash	Short-term Investments	Total
Q1 23	$39.8B	$3.7B	$43.5B
Q2 23	$44.5B	$3.9B	$48.4B
Q3 23	$46.8B	$5.5B	$52.3B
Q4 23	$50.7B	$41.8B	$92.5B
Q1 24	$59.5B	$11.5B	$71.0B
Q2 24	$39.3B	$12.1B	$51.3B
Q3 24	$41.2B	$11.7B	$52.9B
Q4 24	$46.3B	$9.4B	$55.6B
Q1 25	$38.4B	$10.1B	$48.5B
Q2 25	$30.4B	$9.2B	$39.6B
Q3 25	$38.9B	$68.3B	$107.2B
Q4 25	$6.8B	$32.9B	$39.7B

Shares Outstanding

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change
Q1 23	402M	-0.5%
Q2 23	401M	-0.2%
Q3 23	400M	-0.2%
Q4 23	401M	+0.3%
Q1 24	400M	-0.2%
Q2 24	400M	+0.0%
Q3 24	400M	+0.0%
Q4 24	399M	-0.3%
Q1 25	398M	-0.3%
Q2 25	397M	-0.3%
Q3 25	396M	-0.3%
Q4 25	394M	-0.5%

Revenue Per Employee

Revenue / Employee

Year	Revenue/Employee	Employees
FY 14	$325K	50K
FY 15	$331K	49K
FY 16	$333K	49K
FY 17	$358K	50K
FY 18	$374K	51K
FY 19	$413K	50K
FY 20	$369K	50K
FY 21	$342K	58K
FY 22	$393K	60K
FY 23	$582K	55K
FY 24	$611K	55K
FY 25	$568K	55K