Screener / SEC EDGAR /CIK 0000713676 /10-K filed Feb 20, 2026, compared with Feb 21, 2025 /Numbers from the XBRL of the 10-Ks

NYSE Financials · Banks

PNC Financial Services PNC

New risk paragraphs 2 Not in last year's 10-K Accounting checks 0 worth reading about, of 8 checks Insider buys 0 open-market, last 90 days Filings 3 in the last 30 days

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PNC among the 273 companies we cover

Where it stands · the better end on the right. The band holds the middle half; the line is the median.

All 273

Sales growth

+5.3%+20.1%

+7.2%149th of 242 · median +8.9%

Net margin

11.5%30.3%

29.3%76th of 240 · median 23.0%

Return on equity

8.9%19.7%

12.1%137th of 255 · median 12.9%

Debt / equity (less is better)

1.130.22

1.28154th of 189 · median 0.46

PNC and 9 peers, year by year

The 9 Financials companies closest to PNC in revenue over the last twelve months. Every number is from the 10-K and links to it in SEC's Inline XBRL viewer.

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Choose the peers

Financials companies (up to 9):

AB ABCB ACGL AFG AFL AFRM AGM AGO AIG AIZ AJG ALHC ALL ALLY AMG AMP AON APAM APO ARCC ARES ARKB ASB AUB AX AXP AXS BAC BAM BANC BANF BANR BEN BFH BGC BHF BITB BKU BLK BNY BOH BOKF BPOP BRK-B BRO BTC BUR BUSE BWIN BX BXSL C CACC CASH CATY CB CBC CBOE CBSH CBU CFG CFR CG CHCO CHYM CINF CIVB CME CNO CNS COF COIN COLB CPAY CRBG CRD-A CRVL CUBI CVBF DAVE DLB EBC EEFT EFSC EG ENVA EQH ERIE ESNT ETHA ETHE EVR EWBC FAF FBNC FBP FBTC FCF FCNCA FDS FFBC FFIN FHB FHI FHN FIBK FIS FISV FITB FLG FNB FNF FRHC FRME FSK FULT GBCI GBDC GBTC GL GLD GLDM GNW GPN GS GSHD HASI HBAN HCI HIG HIVE HLI HLNE HMN HOMB HOOD HTGC HWC IAU IAUM IBIT IBKR ICE IDCC INDB IREN IVZ JEF JKHY JPM JXN KEY KKR KMPR KNSL L LAZ LMND LNC LPLA MA MAIN MC MCO MCY MET MKL MKTX MOH MORN MRSH MS MSCI MSDL MTB MTG NBTB NDAQ NIC NMIH NNI NTRS NWBI OBDC OFG OMF ONB ORI OSCR OTF OUNZ OWL PB PFG PFS PFSI PGR PIPR PJT PLMR PNFP PPLT PRI PRK PRU PYPL RDN RF RGA RGLD RJF RKT RLI RNR RNST ROOT RYAN SBCF SCHW SEIC SF SFBS SFNC SGOL SIGI SIVR SKWD SLM SLV SNEX SOFI SPGI SPNT SSB SSRM STC STEP STT SYBT SYF TBBK TFC THG TPG TRMK TROW TRV TSLX TW UBSI UCB UMBF UNM UPST USB V VCTR VIRT VLY VOYA WAFD WAL WD WFC WRB WSBC WSFS WTFC WTM WTW XYZ ZION

Or type tickers, any sector:

Each company's latest fiscal year
Company	Year	Revenue	Sales growth	Gross margin	Operating margin	Net margin	FCF margin	Return on equity	Debt / equity
PNC PNC Financial Services	FY2025	$23.1B	+7.2%	-	-	28.5%	-	10.9%	0.94
XYZ Block, Inc.	FY2025	$24.2B	+0.3%	42.8%	7.1%	5.4%	10.0%	5.9%	0.33
SCHW Charles Schwab Corporation	FY2025	$23.9B	+22.0%	-	-	37.0%	36.6%	17.9%	0.49
RGA Reinsurance Group Of America Inc	FY2025	$23.7B	+7.2%	-	-	5.0%	-	8.8%	0.42
AIG American International Group	FY2025	$26.8B	−1.7%	-	-	11.6%	-	7.5%	0.22
MRSH Marsh McLennan	FY2025	$27.0B	+10.3%	-	23.1%	15.4%	18.5%	27.2%	1.28
BLK BlackRock	FY2025	$24.2B	+18.7%	-	29.1%	22.9%	14.7%	9.9%	0.23
BNY BNY Mellon	FY2025	$20.1B	+7.8%	-	-	27.6%	25.8%	12.5%	0.76
HIG The Hartford	FY2025	$28.4B	+3.3%	-	-	13.5%	20.3%	20.2%	0.23
USB U.S. Bancorp	FY2025	$28.7B	+4.4%	-	-	26.4%	-	11.6%	1.20

Revenuepeer median $24.2B

Sales growthpeer median +7.2%

Operating marginpeer median 23.1%

BLK 29.1%
MRSH 23.1%
XYZ 7.1%
PNC -
SCHW -
RGA -
AIG -
BNY -
HIG -
USB -

Net marginpeer median 15.4%

FCF marginpeer median 19.4%

SCHW 36.6%
BNY 25.8%
HIG 20.3%
MRSH 18.5%
BLK 14.7%
XYZ 10.0%
PNC -
RGA -
AIG -
USB -

Return on equitypeer median 11.6%

Debt / equitypeer median 0.42

MRSH 1.28
USB 1.20
PNC 0.94
BNY 0.76
SCHW 0.49
RGA 0.42
XYZ 0.33
HIG 0.23
BLK 0.23
AIG 0.22

Each company, year by year

Bars: revenue, each company on its own scale. Line: net margin, on one scale for all. FY2021 to FY2025 · 10-K XBRL

PNCPNC Financial Services

Revenue$23.1B Growth+7.2% Net margin28.5%

XYZBlock, Inc.

Revenue$24.2B Growth+0.3% Net margin5.4%

SCHWCharles Schwab Corporation

Revenue$23.9B Growth+22.0% Net margin37.0%

RGAReinsurance Group Of America Inc

Revenue$23.7B Growth+7.2% Net margin5.0%

AIGAmerican International Group

Revenue$26.8B Growth−1.7% Net margin11.6%

MRSHMarsh McLennan

Revenue$27.0B Growth+10.3% Net margin15.4%

BLKBlackRock

Revenue$24.2B Growth+18.7% Net margin22.9%

BNYBNY Mellon

Revenue$20.1B Growth+7.8% Net margin27.6%

HIGThe Hartford

Revenue$28.4B Growth+3.3% Net margin13.5%

USBU.S. Bancorp

Revenue$28.7B Growth+4.4% Net margin26.4%

Who rewrote the most

Share of the words changed in Risk Factors and in MD&A, latest 10-K against the one before

SCHW 17% · 28% AIG 16% · 26% PNC 17% · 19% XYZ 12% · 23% BLK 12% · 22% RGA 15% · 17% HIG 18% · 13% MRSH 10% · 21%

Risk FactorsMD&AEach company's latest 10-K, so the dates differ. A company that rewrote much may have reorganized the text.

Revenue, FY2021 to FY2025

Revenue as reported in the 10-K.

PNC is the bold green line; each peer has its own colour and dash, named at the line's end. Each company's first year in the window is 100, on a log scale: a line twice as high has doubled. A gap is a year with no number. A ring marks where a line starts: BLK has no earlier 10-K here. AIG: the line is cut where a later 10-K restates the year before (a spin-off or a merger), so the two years are not the same company.

Company	FY2021	FY2022	FY2023	FY2024	FY2025
PNC Dec	$19.2B	$21.1B	$21.5B	$21.6B	$23.1B
XYZ Dec	$17.7B	$17.5B	$21.9B	$24.1B	$24.2B
SCHW Dec	$18.5B	$20.8B	$18.8B	$19.6B	$23.9B
RGA Dec	$16.7B	$16.2B	$18.6B	$22.1B	$23.7B
AIG Dec	$52.2B	$30.0B	$27.9B	$27.3B	$26.8B
MRSH Dec	$19.8B	$20.7B	$22.7B	$24.5B	$27.0B
BLK Dec	-	$17.9B	$17.9B	$20.4B	$24.2B
BNY Dec	$15.9B	$16.5B	$17.7B	$18.6B	$20.1B
HIG Dec	$22.4B	$22.4B	$24.5B	$26.5B	$28.4B
USB Dec	$22.7B	$24.3B	$28.1B	$27.5B	$28.7B
Peer median	$19.2B	$20.7B	$21.9B	$24.1B	$24.2B

Sales growth, FY2021 to FY2025

Revenue against the fiscal year before.

PNC is the bold green line; each peer has its own colour and dash, named at the line's end. One scale from −9.3% to +86.0%. A gap is a year with no number. A ring marks where a line starts: BLK has no earlier 10-K here.

Company	FY2021	FY2022	FY2023	FY2024	FY2025
PNC Dec	+13.7%	+9.9%	+1.8%	+0.3%	+7.2%
XYZ Dec	+86.0%	−0.7%	+25.0%	+10.1%	+0.3%
SCHW Dec	+58.4%	+12.1%	−9.3%	+4.1%	+22.0%
RGA Dec	+14.1%	−2.6%	+14.4%	+19.1%	+7.2%
AIG Dec	+19.0%	+4.4%	−6.9%	−2.5%	−1.7%
MRSH Dec	+15.1%	+4.5%	+9.7%	+7.6%	+10.3%
BLK Dec	-	-	−0.1%	+14.3%	+18.7%
BNY Dec	+0.8%	+2.8%	+7.1%	+5.2%	+7.8%
HIG Dec	+15.4%	−9.3%	−2.9%	+5.5%	+3.3%
USB Dec	−2.2%	+7.0%	+15.8%	−2.4%	+4.4%
Peer median	+15.2%	+3.6%	+7.1%	+5.5%	+7.2%

Gross margin, FY2021 to FY2025

Gross profit / revenue.

PNC is the bold green line; each peer has its own colour and dash, named at the line's end. One scale from 25.0% to 42.8%. A gap is a year with no number.

Company	FY2021	FY2022	FY2023	FY2024	FY2025
PNC Dec	-	-	-	-	-
XYZ Dec	25.0%	34.2%	34.2%	36.9%	42.8%
SCHW Dec	-	-	-	-	-
RGA Dec	-	-	-	-	-
AIG Dec	-	-	-	-	-
MRSH Dec	-	-	-	-	-
BLK Dec	-	-	-	-	-
BNY Dec	-	-	-	-	-
HIG Dec	-	-	-	-	-
USB Dec	-	-	-	-	-
Peer median	-	-	-	-	-

Operating margin, FY2021 to FY2025

Operating income / revenue.

PNC is the bold green line; each peer has its own colour and dash, named at the line's end. One scale from −3.6% to 37.1%. A gap is a year with no number. A ring marks where a line starts: BLK has no earlier 10-K here.

Company	FY2021	FY2022	FY2023	FY2024	FY2025
PNC Dec	-	-	-	-	-
XYZ Dec	0.9%	−3.6%	−1.3%	3.7%	7.1%
SCHW Dec	-	-	-	-	-
RGA Dec	-	-	-	-	-
AIG Dec	-	-	-	-	-
MRSH Dec	21.8%	20.7%	23.2%	23.8%	23.1%
BLK Dec	-	35.7%	35.1%	37.1%	29.1%
BNY Dec	-	-	-	-	-
HIG Dec	-	-	-	-	-
USB Dec	-	-	-	-	-
Peer median	-	20.7%	23.2%	23.8%	23.1%

Net margin, FY2021 to FY2025

Net income / revenue.

PNC is the bold green line; each peer has its own colour and dash, named at the line's end. One scale from −5.2% to 37.0%. A gap is a year with no number. A ring marks where a line starts: BLK has no earlier 10-K here.

Company	FY2021	FY2022	FY2023	FY2024	FY2025
PNC Dec	28.2%	27.0%	23.9%	25.5%	28.5%
XYZ Dec	0.9%	−3.1%	0.0%	12.0%	5.4%
SCHW Dec	31.6%	34.6%	26.9%	30.3%	37.0%
RGA Dec	7.0%	3.2%	4.9%	3.2%	5.0%
AIG Dec	19.9%	34.1%	13.0%	−5.2%	11.6%
MRSH Dec	15.9%	14.7%	16.5%	16.6%	15.4%
BLK Dec	-	29.0%	30.8%	31.2%	22.9%
BNY Dec	23.6%	15.5%	18.7%	24.3%	27.6%
HIG Dec	10.6%	8.1%	10.2%	11.7%	13.5%
USB Dec	35.0%	24.0%	19.3%	22.9%	26.4%
Peer median	17.9%	15.5%	16.5%	16.6%	15.4%

Free cash flow, FY2021 to FY2025

Cash from operations minus capital spending.

PNC is the bold green line; each peer has its own colour and dash, named at the line's end. One scale from −$782.0M to $18.9B. A gap is a year with no number. A ring marks where a line starts: BLK has no earlier 10-K here.

Company	FY2021	FY2022	FY2023	FY2024	FY2025
PNC Dec	-	-	-	-	-
XYZ Dec	$713.5M	$5.1M	−$50.2M	$1.6B	$2.4B
SCHW Dec	$1.2B	$1.1B	$18.9B	$2.0B	$8.8B
RGA Dec	$4.2B	$1.3B	-	-	-
AIG Dec	$5.9B	$3.9B	$6.0B	-	-
MRSH Dec	$3.1B	$3.0B	$3.8B	$4.0B	$5.0B
BLK Dec	-	$4.4B	$3.8B	$4.7B	$3.6B
BNY Dec	$1.6B	$13.7B	$4.7B	−$782.0M	$5.2B
HIG Dec	$4.0B	$3.8B	$4.0B	$5.8B	$5.8B
USB Dec	-	-	-	-	-
Peer median	$3.1B	$3.4B	$4.0B	$3.0B	$5.1B

FCF margin, FY2021 to FY2025

Free cash flow / revenue.

PNC is the bold green line; each peer has its own colour and dash, named at the line's end. One scale from −4.2% to 100.3%. A gap is a year with no number. A ring marks where a line starts: BLK has no earlier 10-K here.

Company	FY2021	FY2022	FY2023	FY2024	FY2025
PNC Dec	-	-	-	-	-
XYZ Dec	4.0%	0.0%	−0.2%	6.4%	10.0%
SCHW Dec	6.5%	5.2%	100.3%	10.5%	36.6%
RGA Dec	25.0%	8.1%	-	-	-
AIG Dec	11.3%	13.1%	21.5%	-	-
MRSH Dec	15.7%	14.5%	16.9%	16.3%	18.5%
BLK Dec	-	24.7%	21.4%	23.0%	14.7%
BNY Dec	10.2%	83.0%	26.5%	−4.2%	25.8%
HIG Dec	17.7%	17.1%	16.3%	21.7%	20.3%
USB Dec	-	-	-	-	-
Peer median	11.3%	13.8%	21.4%	13.4%	19.4%

Return on equity, FY2021 to FY2025

Net income / shareholders' equity at the year end.

PNC is the bold green line; each peer has its own colour and dash, named at the line's end. One scale from −3.3% to 30.4%. A gap is a year with no number. A ring marks where a line starts: BLK has no earlier 10-K here.

Company	FY2021	FY2022	FY2023	FY2024	FY2025
PNC Dec	9.7%	12.5%	10.0%	10.1%	10.9%
XYZ Dec	5.1%	−3.1%	0.1%	13.6%	5.9%
SCHW Dec	10.4%	19.6%	12.4%	12.3%	17.9%
RGA Dec	14.3%	7.3%	9.9%	6.6%	8.8%
AIG Dec	15.7%	25.0%	8.0%	−3.3%	7.5%
MRSH Dec	28.0%	28.4%	30.4%	30.0%	27.2%
BLK Dec	-	13.7%	14.0%	13.4%	9.9%
BNY Dec	8.7%	6.3%	8.1%	11.0%	12.5%
HIG Dec	13.3%	13.3%	16.3%	18.9%	20.2%
USB Dec	14.5%	11.5%	9.8%	10.8%	11.6%
Peer median	13.8%	13.3%	9.9%	12.3%	11.6%

Debt / equity, FY2021 to FY2025

Total debt / shareholders' equity at the year end.

PNC is the bold green line; each peer has its own colour and dash, named at the line's end. One scale from 0.20 to 1.47. A gap is a year with no number. A ring marks where a line starts: PNC, BLK have no earlier 10-K here.

Company	FY2021	FY2022	FY2023	FY2024	FY2025
PNC Dec	-	1.28	1.42	1.13	0.94
XYZ Dec	1.39	0.24	0.22	0.29	0.33
SCHW Dec	0.39	0.58	0.64	0.46	0.49
RGA Dec	0.45	0.56	0.49	0.47	0.42
AIG Dec	0.46	0.70	0.24	0.21	0.22
MRSH Dec	0.98	1.07	1.09	1.47	1.28
BLK Dec	-	-	0.20	0.26	0.23
BNY Dec	0.60	0.75	0.77	0.75	0.76
HIG Dec	0.28	0.32	0.28	0.27	0.23
USB Dec	0.80	1.40	1.21	1.26	1.20
Peer median	0.53	0.64	0.49	0.46	0.42

EPS (diluted), FY2021 to FY2025

Diluted earnings per share, on today's share count after splits.

PNC is the bold green line; each peer has its own colour and dash, named at the line's end. One scale from −$2.17 to $42.01. A gap is a year with no number. A ring marks where a line starts: BLK has no earlier 10-K here.

Company	FY2021	FY2022	FY2023	FY2024	FY2025
PNC Dec	$12.70	$13.85	$12.79	$13.74	$16.59
XYZ Dec	$0.33	−$0.93	$0.02	$4.56	$2.10
SCHW Dec	$2.83	$3.50	$2.54	$2.99	$4.65
RGA Dec	$17.13	$7.64	$13.44	$10.73	$17.69
AIG Dec	$11.95	$12.94	$4.98	−$2.17	$5.43
MRSH Dec	$6.13	$6.04	$7.53	$8.18	$8.43
BLK Dec	-	$33.97	$36.51	$42.01	$35.31
BNY Dec	$4.14	$2.88	$3.89	$5.80	$7.40
HIG Dec	$6.64	$5.46	$7.97	$10.35	$13.32
USB Dec	$5.10	$3.69	$3.27	$3.79	$4.62
Peer median	$5.62	$5.46	$4.98	$5.80	$7.40

Fiscal years are lined up as each company's 10-K names them; the month next to a ticker is when its year ends. Hover a number for the XBRL line items and the filing; click it to open the filing on sec.gov. "n/m" means not meaningful: equity below zero, or a base so close to zero that the ratio says nothing. The peer median leaves out PNC and needs at least three peers with the number. P/E, P/S and P/FCF at each year end appear here once the site has daily prices. What the same companies write about AI, tariffs and more

Sources

Each company's 10-K, from SEC's XBRL company facts. Every number links to its filing in the Inline XBRL viewer.

Also

Financials: PNC's own statements, year by year. Compare: the whole peer group on one page.

Work with it

Excel workbook · CSV. Google Sheet that stays up to date: paste =IMPORTDATA("https://tickdelta.com/company/PNC/export.csv") into a cell.

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