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STOCKS

PNC Financial (PNC)

NYSE:PNC

PNC

PNC Financial

RESEARCH TOOLSreports

PNC Financial (PNC) Ratios

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1,861 Followers

PNC Financial Ratios

PNC's free cash flow for Q4 2025 was $0.68. For the 2025 fiscal year, PNC's free cash flow was decreased by $ and operating cash flow was $0.27. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.81	0.81	0.15	0.23	0.19
Quick Ratio	0.81	0.81	0.15	0.23	0.19
Cash Ratio	0.01	0.01	0.11	0.12	0.08
Solvency Ratio	0.01	0.01	0.01	0.01	0.01
Operating Cash Flow Ratio	0.01	0.02	0.02	0.02	0.02
Short-Term Operating Cash Flow Coverage	0.38	0.61	0.00	0.00	0.00
Net Current Asset Value	$ -144.21B	$ -144.21B	$ -443.24B	$ -411.47B	$ -426.52B
Leverage Ratios
Debt-to-Assets Ratio	0.10	0.10	0.11	0.13	0.11
Debt-to-Equity Ratio	0.94	0.94	1.13	1.42	1.28
Debt-to-Capital Ratio	0.49	0.49	0.53	0.59	0.56
Long-Term Debt-to-Capital Ratio	0.41	0.41	0.53	0.59	0.56
Financial Leverage Ratio	9.47	9.47	10.29	10.99	12.17
Debt Service Coverage Ratio	0.27	0.27	0.48	0.56	2.79
Interest Coverage Ratio	0.78	0.78	0.56	0.65	3.09
Debt to Market Cap	0.69	0.69	0.80	1.17	0.90
Interest Debt Per Share	172.58	172.58	186.86	207.30	148.39
Net Debt to EBITDA	5.87	5.87	2.06	3.17	3.00
Profitability Margins
Gross Profit Margin	65.66%	71.66%	59.39%	65.04%	87.71%
EBIT Margin	24.97%	27.08%	21.49%	21.12%	31.75%
EBITDA Margin	25.23%	27.36%	22.26%	21.80%	34.52%
Operating Profit Margin	24.97%	27.08%	21.49%	21.12%	31.75%
Pretax Profit Margin	24.97%	27.08%	21.49%	21.12%	31.75%
Net Profit Margin	20.41%	22.13%	17.48%	17.49%	25.67%
Continuous Operations Profit Margin	20.58%	22.32%	17.67%	17.70%	25.97%
Net Income Per EBT	81.73%	81.73%	81.32%	82.81%	80.84%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	1.21%	1.21%	1.05%	0.99%	1.08%
Return on Equity (ROE)	11.88%	11.45%	10.82%	10.91%	13.20%
Return on Capital Employed (ROCE)	7.24%	7.24%	5.43%	4.81%	7.10%
Return on Invested Capital (ROIC)	7.65%	7.65%	4.47%	4.03%	5.81%
Return on Tangible Assets	1.24%	1.24%	1.08%	1.02%	1.11%
Earnings Yield	8.63%	8.43%	7.65%	8.98%	9.28%
Efficiency Ratios
Receivables Turnover	0.10	0.10	5.03	4.94	3.68
Payables Turnover	0.03	0.02	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	0.00	0.00	0.00
Asset Turnover	0.06	0.05	0.06	0.06	0.04
Working Capital Turnover Ratio	-0.16	-0.14	-0.10	-0.09	-0.08
Cash Conversion Cycle	-10.28K	-14.31K	72.53	73.91	99.31
Days of Sales Outstanding	3.51K	3.81K	72.53	73.91	99.31
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	13.79K	18.12K	0.00	0.00	0.00
Operating Cycle	3.51K	3.81K	72.53	73.91	99.31
Cash Flow Ratios
Operating Cash Flow Per Share	15.00	23.99	19.75	25.21	22.05
Free Cash Flow Per Share	15.00	23.99	19.75	25.21	22.05
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	2.01	3.21	2.73	3.51	3.37
Capital Expenditure Coverage Ratio	0.00	0.00	0.00	0.00	0.00
Operating Cash Flow Coverage Ratio	0.10	0.17	0.13	0.14	0.15
Operating Cash Flow to Sales Ratio	0.17	0.30	0.23	0.32	0.39
Free Cash Flow Yield	7.19%	11.49%	10.24%	16.28%	13.96%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	11.58	11.86	13.07	11.13	10.77
Price-to-Sales (P/S) Ratio	2.42	2.62	2.28	1.95	2.76
Price-to-Book (P/B) Ratio	1.33	1.36	1.41	1.22	1.42
Price-to-Free Cash Flow (P/FCF) Ratio	13.92	8.70	9.76	6.14	7.16
Price-to-Operating Cash Flow Ratio	13.59	8.70	9.76	6.14	7.16
Price-to-Earnings Growth (PEG) Ratio	1.62	0.57	1.74	-1.46	1.19
Price-to-Fair Value	1.33	1.36	1.41	1.22	1.42
Enterprise Value Multiple	15.46	15.46	12.31	12.10	11.01
Enterprise Value	132.58B	132.56B	92.37B	84.11B	89.42B
EV to EBITDA	15.46	15.46	12.31	12.10	11.01
EV to Sales	3.90	4.23	2.74	2.64	3.80
EV to Free Cash Flow	22.43	14.02	11.72	8.32	9.84
EV to Operating Cash Flow	22.43	14.02	11.72	8.32	9.84
Tangible Book Value Per Share	116.80	116.80	99.81	91.08	76.22
Shareholders’ Equity Per Share	153.77	153.77	136.40	127.44	111.10
Tax and Other Ratios
Effective Tax Rate	0.18	0.18	0.18	0.16	0.18
Revenue Per Share	86.27	79.55	84.45	79.55	57.13
Net Income Per Share	17.60	17.60	14.76	13.91	14.66
Tax Burden	0.82	0.82	0.81	0.83	0.81
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	0.27	0.29	0.22	0.23	0.31
Stock-Based Compensation to Revenue	0.00	0.00	0.00	0.00	0.00
Income Quality	0.85	1.37	1.32	1.79	1.49

Currency in USD