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USBU.S. Bancorp

Financials · Banks · NYSE

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Where it stands

USB among the 76 companies we cover

All 76 →

Every dot is one of the 76 companies, the better end on the right. Hover a dot for the company.

Sales growth

+4.4%58th of 76 · median +7.2%

Net margin

27.6%19th of 76 · median 20.4%

Return on equity

12.6%48th of 74 · median 16.7%

Debt / equity (less is better)

1.1047th of 62 · median 0.70

USB and 9 peers, year by year

The 9 Financials companies closest to USB 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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Each company's latest fiscal year
Company	Year	Revenue	Sales growth	Gross margin	Operating margin	Net margin	FCF margin	Return on equity	Debt / equity
USB U.S. Bancorp	FY2025	$28.7B	+4.4%	-	-	26.4%	-	11.6%	1.20
APO Apollo Global Management	FY2025	$32.0B	+22.7%	-	-	10.9%	-	15.0%	0.57
HIG The Hartford	FY2025	$28.4B	+3.3%	-	-	13.5%	20.3%	20.2%	0.23
BLK BlackRock	FY2025	$24.2B	+18.7%	-	29.1%	22.9%	14.7%	9.9%	0.23
MRSH Marsh McLennan	FY2025	$27.0B	+10.3%	-	23.1%	15.4%	18.5%	27.2%	1.28
AIG American International Group	FY2025	$26.8B	−1.7%	-	-	11.6%	-	7.5%	0.22
SCHW Charles Schwab Corporation	FY2025	$23.9B	+22.0%	-	-	37.0%	36.6%	17.9%	0.49
PYPL PayPal	FY2025	$33.2B	+4.3%	-	18.3%	15.8%	16.8%	25.8%	0.57
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

Revenuepeer median $26.8B

Sales growthpeer median +7.2%

Operating marginpeer median 20.7%

BLK 29.1%
MRSH 23.1%
PYPL 18.3%
XYZ 7.1%
USB -
APO -
HIG -
AIG -
SCHW -
PNC -

Net marginpeer median 15.4%

FCF marginpeer median 17.7%

SCHW 36.6%
HIG 20.3%
MRSH 18.5%
PYPL 16.8%
BLK 14.7%
XYZ 10.0%
USB -
APO -
AIG -
PNC -

Return on equitypeer median 15.0%

Debt / equitypeer median 0.49

RevenueSales growthGross marginOperating marginNet marginFree cash flowFCF marginReturn on equityDebt / equityEPS (diluted)

Revenue, FY2021 to FY2025

Revenue as reported in the 10-K.

Company	FY2021	FY2022	FY2023	FY2024	FY2025
USB Dec	$22.7B	$24.3B	$28.1B	$27.5B	$28.7B
APO Dec	$6.0B	$11.0B	$32.6B	$26.1B	$32.0B
HIG Dec	$22.4B	$22.4B	$24.5B	$26.5B	$28.4B
BLK Dec	-	$17.9B	$17.9B	$20.4B	$24.2B
MRSH Dec	$19.8B	$20.7B	$22.7B	$24.5B	$27.0B
AIG Dec	$52.2B	$30.0B	$27.9B	$27.3B	$26.8B
SCHW Dec	$18.5B	$20.8B	$18.8B	$19.6B	$23.9B
PYPL Dec	$25.4B	$27.5B	$29.8B	$31.8B	$33.2B
PNC Dec	$19.2B	$21.1B	$21.5B	$21.6B	$23.1B
XYZ Dec	$17.7B	$17.5B	$21.9B	$24.1B	$24.2B
Peer median	$19.5B	$20.8B	$22.7B	$24.5B	$26.8B

Sales growth, FY2021 to FY2025

Revenue against the fiscal year before.

Company	FY2021	FY2022	FY2023	FY2024	FY2025
USB Dec	−2.2%	+7.0%	+15.8%	−2.4%	+4.4%
APO Dec	+153%	+84.3%	+198%	−20.0%	+22.7%
HIG Dec	+15.4%	−9.3%	−2.9%	+5.5%	+3.3%
BLK Dec	-	-	−0.1%	+14.3%	+18.7%
MRSH Dec	+15.1%	+4.5%	+9.7%	+7.6%	+10.3%
AIG Dec	+19.0%	+4.4%	−6.9%	−2.5%	−1.7%
SCHW Dec	+58.4%	+12.1%	−9.3%	+4.1%	+22.0%
PYPL Dec	+18.3%	+8.5%	+8.2%	+6.8%	+4.3%
PNC Dec	+13.7%	+9.9%	+1.8%	+0.3%	+7.2%
XYZ Dec	+86.0%	−0.7%	+25.0%	+10.1%	+0.3%
Peer median	+18.6%	+6.5%	+1.8%	+5.5%	+7.2%

Gross margin, FY2021 to FY2025

Gross profit / revenue.

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

Operating margin, FY2021 to FY2025

Operating income / revenue.

Company	FY2021	FY2022	FY2023	FY2024	FY2025
USB Dec	-	-	-	-	-
APO Dec	-	-	-	-	-
HIG Dec	-	-	-	-	-
BLK Dec	-	35.7%	35.1%	37.1%	29.1%
MRSH Dec	21.8%	20.7%	23.2%	23.8%	23.1%
AIG Dec	-	-	-	-	-
SCHW Dec	-	-	-	-	-
PYPL Dec	16.8%	13.9%	16.9%	16.7%	18.3%
PNC Dec	-	-	-	-	-
XYZ Dec	0.9%	−3.6%	−1.3%	3.7%	7.1%
Peer median	16.8%	17.3%	20.1%	20.3%	20.7%

Net margin, FY2021 to FY2025

Net income / revenue.

Company	FY2021	FY2022	FY2023	FY2024	FY2025
USB Dec	35.0%	24.0%	19.3%	22.9%	26.4%
APO Dec	30.9%	−17.9%	15.5%	17.5%	10.9%
HIG Dec	10.6%	8.1%	10.2%	11.7%	13.5%
BLK Dec	-	29.0%	30.8%	31.2%	22.9%
MRSH Dec	15.9%	14.7%	16.5%	16.6%	15.4%
AIG Dec	19.9%	34.1%	13.0%	−5.2%	11.6%
SCHW Dec	31.6%	34.6%	26.9%	30.3%	37.0%
PYPL Dec	16.4%	8.8%	14.3%	13.0%	15.8%
PNC Dec	28.2%	27.0%	23.9%	25.5%	28.5%
XYZ Dec	0.9%	−3.1%	0.0%	12.0%	5.4%
Peer median	18.2%	14.7%	15.5%	16.6%	15.4%

Free cash flow, FY2021 to FY2025

Cash from operations minus capital spending.

Company	FY2021	FY2022	FY2023	FY2024	FY2025
USB Dec	-	-	-	-	-
APO Dec	-	-	-	-	-
HIG Dec	$4.0B	$3.8B	$4.0B	$5.8B	$5.8B
BLK Dec	-	$4.4B	$3.8B	$4.7B	$3.6B
MRSH Dec	$3.1B	$3.0B	$3.8B	$4.0B	$5.0B
AIG Dec	$5.9B	$3.9B	$6.0B	-	-
SCHW Dec	$1.2B	$1.1B	$18.9B	$2.0B	$8.8B
PYPL Dec	$4.9B	$5.1B	$4.2B	$6.8B	$5.6B
PNC Dec	-	-	-	-	-
XYZ Dec	$713.5M	$5.1M	−$50.2M	$1.6B	$2.4B
Peer median	$3.5B	$3.8B	$4.0B	$4.3B	$5.3B

FCF margin, FY2021 to FY2025

Free cash flow / revenue.

Company	FY2021	FY2022	FY2023	FY2024	FY2025
USB Dec	-	-	-	-	-
APO Dec	-	-	-	-	-
HIG Dec	17.7%	17.1%	16.3%	21.7%	20.3%
BLK Dec	-	24.7%	21.4%	23.0%	14.7%
MRSH Dec	15.7%	14.5%	16.9%	16.3%	18.5%
AIG Dec	11.3%	13.1%	21.5%	-	-
SCHW Dec	6.5%	5.2%	100.3%	10.5%	36.6%
PYPL Dec	19.3%	18.6%	14.2%	21.3%	16.8%
PNC Dec	-	-	-	-	-
XYZ Dec	4.0%	0.0%	−0.2%	6.4%	10.0%
Peer median	13.5%	14.5%	16.9%	18.8%	17.7%

Return on equity, FY2021 to FY2025

Net income / shareholders' equity at the year end.

Company	FY2021	FY2022	FY2023	FY2024	FY2025
USB Dec	14.5%	11.5%	9.8%	10.8%	11.6%
APO Dec	48.5%	−29.5%	35.9%	26.5%	15.0%
HIG Dec	13.3%	13.3%	16.3%	18.9%	20.2%
BLK Dec	-	13.7%	14.0%	13.4%	9.9%
MRSH Dec	28.0%	28.4%	30.4%	30.0%	27.2%
AIG Dec	15.7%	25.0%	8.0%	−3.3%	7.5%
SCHW Dec	10.4%	19.6%	12.4%	12.3%	17.9%
PYPL Dec	19.2%	11.9%	20.2%	20.3%	25.8%
PNC Dec	9.7%	12.5%	10.0%	10.1%	10.9%
XYZ Dec	5.1%	−3.1%	0.1%	13.6%	5.9%
Peer median	14.5%	13.3%	14.0%	13.6%	15.0%

Debt / equity, FY2021 to FY2025

Total debt / shareholders' equity at the year end.

Company	FY2021	FY2022	FY2023	FY2024	FY2025
USB Dec	0.80	1.40	1.21	1.26	1.20
APO Dec	0.83	0.97	0.58	0.61	0.57
HIG Dec	0.28	0.32	0.28	0.27	0.23
BLK Dec	-	-	0.20	0.26	0.23
MRSH Dec	0.98	1.07	1.09	1.47	1.28
AIG Dec	0.46	0.70	0.24	0.21	0.22
SCHW Dec	0.39	0.58	0.64	0.46	0.49
PYPL Dec	0.37	0.51	0.46	0.48	0.57
PNC Dec	-	1.28	1.42	1.13	0.94
XYZ Dec	1.39	0.24	0.22	0.29	0.33
Peer median	0.46	0.64	0.46	0.46	0.49

EPS (diluted), FY2021 to FY2025

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

Company	FY2021	FY2022	FY2023	FY2024	FY2025
USB Dec	$5.10	$3.69	$3.27	$3.79	$4.62
APO Dec	$7.32	−$3.43	$8.28	$7.33	$5.54
HIG Dec	$6.64	$5.46	$7.97	$10.35	$13.32
BLK Dec	-	$33.97	$36.51	$42.01	$35.31
MRSH Dec	$6.13	$6.04	$7.53	$8.18	$8.43
AIG Dec	$11.95	$12.94	$4.98	−$2.17	$5.43
SCHW Dec	$2.83	$3.50	$2.54	$2.99	$4.65
PYPL Dec	$3.52	$2.09	$3.84	$3.99	$5.41
PNC Dec	$12.70	$13.85	$12.79	$13.74	$16.59
XYZ Dec	$0.33	−$0.93	$0.02	$4.56	$2.10
Peer median	$6.38	$5.46	$7.53	$7.33	$5.54

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 USB 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 →

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Work on USB in a spreadsheet: Excel workbook (a sheet per section, ten years by column, charts, links to the filings) · CSV. For a Google Sheet that stays up to date, paste =IMPORTDATA("https://tickdelta.com/company/USB/export.csv") into a cell.