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PNC Financial (PNC)
NYSE:PNC
US Market

PNC Financial (PNC) Ratios

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PNC Financial Ratios

PNC's free cash flow for Q3 2025 was $0.65. For the 2025 fiscal year, PNC's free cash flow was decreased by $ and operating cash flow was $0.26. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.25 0.23 0.43 0.62 1.02
Quick Ratio
0.25 0.23 0.43 0.62 1.02
Cash Ratio
0.09 0.12 0.10 0.23 0.51
Solvency Ratio
0.01 0.01 0.01 0.24 0.24
Operating Cash Flow Ratio
0.01 0.02 0.03 0.02 0.03
Short-Term Operating Cash Flow Coverage
0.34 0.00 0.00 0.00 0.00
Net Current Asset Value
$ -402.56B$ -411.47B$ -365.07B$ 189.05B$ 148.77B
Leverage Ratios
Debt-to-Assets Ratio
0.11 0.13 0.11 0.06 0.08
Debt-to-Equity Ratio
1.06 1.42 1.28 0.59 0.73
Debt-to-Capital Ratio
0.51 0.59 0.56 0.37 0.42
Long-Term Debt-to-Capital Ratio
0.51 0.59 0.56 0.36 0.00
Financial Leverage Ratio
9.64 10.99 12.17 10.03 8.64
Debt Service Coverage Ratio
0.25 0.56 2.79 15.40 3.31
Interest Coverage Ratio
0.72 0.65 3.09 14.35 2.52
Debt to Market Cap
1.04 1.17 0.90 0.36 0.00
Interest Debt Per Share
185.77 207.30 148.39 78.62 95.21
Net Debt to EBITDA
2.82 3.17 3.00 -5.62 -10.74
Profitability Margins
Gross Profit Margin
64.49%65.04%100.00%100.00%100.00%
EBIT Margin
23.85%21.12%35.39%36.37%20.29%
EBITDA Margin
24.60%21.80%38.48%45.60%29.15%
Operating Profit Margin
23.85%21.12%35.39%36.37%20.29%
Pretax Profit Margin
23.85%21.12%35.39%36.37%20.29%
Net Profit Margin
19.31%17.49%28.61%29.54%44.48%
Continuous Operations Profit Margin
19.50%17.70%28.95%29.80%17.77%
Net Income Per EBT
80.95%82.81%80.84%81.20%219.22%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.15%0.99%1.08%1.02%1.61%
Return on Equity (ROE)
11.48%10.91%13.20%10.19%13.92%
Return on Capital Employed (ROCE)
5.93%4.81%3.39%3.46%1.20%
Return on Invested Capital (ROIC)
4.85%4.03%-15.26%30.27%2.75%
Return on Tangible Assets
1.18%1.02%1.11%1.04%1.65%
Earnings Yield
8.56%8.98%9.28%6.64%11.81%
Efficiency Ratios
Receivables Turnover
4.96 4.94 3.30 3.18 2.70
Payables Turnover
0.00 0.00 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
0.00 0.00 1.99 10.01 9.01
Asset Turnover
0.06 0.06 0.04 0.03 0.04
Working Capital Turnover Ratio
-0.10 -0.09 -0.13 -0.29 0.31
Cash Conversion Cycle
0.00 73.91 110.71 114.76 135.13
Days of Sales Outstanding
0.00 73.91 110.71 114.76 135.13
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 0.00 0.00 0.00 0.00
Operating Cycle
0.00 73.91 110.71 114.76 135.13
Cash Flow Ratios
Operating Cash Flow Per Share
13.70 25.21 22.05 16.93 10.91
Free Cash Flow Per Share
13.70 25.21 22.05 16.93 10.91
CapEx Per Share
0.00 0.00 0.00 0.00 0.00
Free Cash Flow to Operating Cash Flow
1.00 1.00 1.00 1.00 1.00
Dividend Paid and CapEx Coverage Ratio
1.86 3.51 3.37 3.15 2.11
Capital Expenditure Coverage Ratio
0.00 0.00 0.00 0.00 0.00
Operating Cash Flow Coverage Ratio
0.09 0.14 0.15 0.22 0.12
Operating Cash Flow to Sales Ratio
0.16 0.32 0.43 0.38 0.28
Free Cash Flow Yield
8.02%16.28%13.96%8.45%7.32%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
11.65 11.13 10.77 15.05 8.46
Price-to-Sales (P/S) Ratio
2.23 1.95 3.08 4.45 3.76
Price-to-Book (P/B) Ratio
1.29 1.22 1.42 1.53 1.18
Price-to-Free Cash Flow (P/FCF) Ratio
13.88 6.14 7.16 11.84 13.66
Price-to-Operating Cash Flow Ratio
14.01 6.14 7.16 11.84 13.66
Price-to-Earnings Growth (PEG) Ratio
1.99 -1.46 1.19 -0.60 0.17
Price-to-Fair Value
1.29 1.22 1.42 1.53 1.18
Enterprise Value Multiple
11.88 12.10 11.01 4.13 2.18
Enterprise Value
99.00B 84.11B 89.42B 36.17B 10.72B
EV to EBITDA
11.91 12.10 11.01 4.13 2.18
EV to Sales
2.93 2.64 4.24 1.88 0.63
EV to Free Cash Flow
16.34 8.32 9.84 5.01 2.30
EV to Operating Cash Flow
16.34 8.32 9.84 5.01 2.30
Tangible Book Value Per Share
112.24 91.08 76.22 1.21K 981.29
Shareholders’ Equity Per Share
148.96 127.44 111.10 130.74 126.49
Tax and Other Ratios
Effective Tax Rate
0.18 0.16 0.18 0.18 0.12
Revenue Per Share
85.36 79.55 51.25 45.10 39.58
Net Income Per Share
16.48 13.91 14.66 13.32 17.60
Tax Burden
0.81 0.83 0.81 0.81 2.19
Interest Burden
1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.24 0.23 0.34 0.37 0.34
Stock-Based Compensation to Revenue
0.00 0.00 0.00 0.00 0.00
Income Quality
0.97 1.79 1.49 1.26 0.62
Currency in USD