The PNC Financial Services Group, Inc.
The PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States. The company's Retail Banking segment offers checking, savings, and money market accounts, as well as certificates of deposit; residential mo…
Banks - Regional
US, Pittsburgh [HQ]
Ratios
15 Sheets · From 2023 to 2009Configuration
Margins, Growth Rates In %
| Ratio | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||||||||
| Gross Margin | 91.15 | 90.69 | 90.23 | 89.93 | 90.03 | 89.00 | 88.39 | 87.90 | 88.16 | 88.79 | 88.53 | 88.15 | 87.71 | 88.69 | 88.87 | |
| Profit Margin | 15.38 | 22.72 | 21.33 | 19.35 | 26.24 | 27.21 | 26.97 | 25.74 | 32.69 | 30.94 | 30.12 | 17.77 | 29.65 | 28.61 | 25.93 | |
| Operating Margin | 91.67 | 89.98 | 88.50 | 88.13 | 88.50 | 87.35 | 86.76 | 86.27 | 86.67 | 53.96 | 36.07 | 47.00 | 36.25 | 45.07 | 87.16 | |
|
EPS Growth
|
76.00 | 31.82 | -1.72 | -5.97 | 39.55 | -0.54 | 1.08 | -1.33 | 41.38 | 8.20 | 0.71 | -38.50 | 80.65 | 9.06 | -7.73 | |
| EPS USD | 440.00 | 580.00 | 570.00 | 536.00 | 748.00 | 744.00 | 752.00 | 742.00 | 1,049.00 | 1,135.00 | 1,143.00 | 703.00 | 1,270.00 | 1,385.00 | 1,278.00 | |
| Return on Assets (ROA) | 0.91 | 1.29 | 1.13 | 0.98 | 1.31 | 1.21 | 1.15 | 1.07 | 1.40 | 1.39 | 1.31 | 0.64 | 1.02 | 1.08 | 0.99 | |
| Return on Equity (ROE) | 8.17 | 11.28 | 8.97 | 7.69 | 9.91 | 9.39 | 9.18 | 8.53 | 11.23 | 11.11 | 10.89 | 5.56 | 10.19 | 13.20 | 10.91 | |
| Return on Invested Capital (ROIC) | 13.75 | 12.82 | 12.03 | 13.59 | 12.77 | 10.29 | 10.20 | 10.05 | 12.99 | 7.29 | 4.89 | 6.90 | 5.95 | 7.04 | 10.47 | |
| Solvency | ||||||||||||||||
| Equity Ratio | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
| Debt/Assets | 17.65 | 18.26 | 16.78 | 12.32 | 13.06 | 15.43 | 14.72 | 14.47 | 15.60 | 15.09 | 14.77 | 10.03 | 7.12 | 11.63 | 17.64 | |
| Debt/Equity | 159.06 | 159.54 | 133.65 | 96.35 | 98.60 | 119.54 | 117.99 | 115.80 | 124.99 | 120.90 | 122.85 | 86.68 | 71.43 | 141.55 | 193.83 | |
| Debt/EBITDA | 363.08 | 409.76 | 425.33 | 457.09 | 338.81 | 228.71 | 238.64 | 290.05 | 305.51 | 394.47 | 410.39 | -582.57 | -590.93 | 239.48 | 117.42 | |
|
Debt/Capitalization
|
61.40 | 61.47 | 57.20 | 49.07 | 49.65 | 54.45 | 54.13 | 53.66 | 55.55 | 54.73 | 55.13 | 46.43 | 41.67 | 58.60 | 65.97 | |
| Long-Term Debt/Capitalization | 54.08 | 53.89 | 49.75 | 42.75 | 46.47 | 52.00 | 54.12 | 53.52 | 55.43 | 54.61 | 55.00 | 40.78 | 35.60 | 56.19 | 58.73 | |
| Interest Debt per Share USD | 111.52 | 97.04 | 89.71 | 73.52 | 80.83 | 102.39 | 104.67 | 109.85 | 127.01 | 129.69 | 144.02 | 112.83 | 94.53 | 163.14 | 272.94 | |
| Debt Growth | -25.11 | 0.23 | -4.60 | 11.45 | 11.27 | 27.36 | -0.94 | -0.09 | 12.11 | -2.83 | 4.95 | -38.28 | -17.24 | 90.73 | 23.89 | |
| Liquidity | ||||||||||||||||
| Current Ratio | 487.91 | 523.55 | 548.96 | 788.19 | 1,287.51 | 1,204.86 | 532,807.14 | 21,589.04 | 21,167.34 | 8,811.93 | 32,953.46 | 102.18 | 61.63 | 43.47 | 48.09 | |
| Quick Ratio | 532.08 | 531.70 | 510.96 | 798.57 | 1,448.09 | 1,762.96 | 698,850.00 | 32,649.50 | 33,466.67 | 30,595.79 | 32,953.46 | 102.18 | 61.63 | 25.22 | 67.06 | |
| Cash Ratio | 70.99 | 38.03 | 44.72 | 108.88 | 323.75 | 723.50 | 247,221.43 | 10,162.79 | 11,395.29 | 5,789.82 | 8,954.09 | 50.65 | 23.06 | 10.20 | 50.08 | |
| Operating Cash Flow Ratio | - - | - - | - - | - - | 100 | 100 | 39,200 | 1,200 | 1,900 | 2,700 | 2,300 | - - | - - | - - | - - | |
| Turnover | ||||||||||||||||
| Inventory Turnover | - - | - - | - - | - - | - - | - - | - - | -2.75 | -2.62 | -9.34 | -6.43 | -2.11 | -2.76 | -5.38 | -4.19 | |
| Receivables Turnover | 256.56 | 234.88 | 223.29 | 214.05 | 211.35 | 200.04 | 203.87 | 200.00 | 205.81 | 234.43 | 249.15 | 263.50 | 316.81 | 329.70 | 332.96 | |
| Payables Turnover | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
|
Asset Turnover
|
5.90 | 5.68 | 5.28 | 5.08 | 5.00 | 4.46 | 4.25 | 4.14 | 4.29 | 4.48 | 4.34 | 3.62 | 3.43 | 3.79 | 3.83 | |
| Fixed Turnover | - - | - - | - - | - - | - - | - - | - - | 274.57 | 300.39 | 299.14 | 183.25 | 900.91 | 997.13 | 198.98 | 209.60 | |
| Coverage | ||||||||||||||||
| Interest Coverage | 485.75 | 703.75 | 848.59 | 1,249.63 | 1,647.67 | 1,482.34 | 1,264.02 | 1,037.27 | 829.54 | 323.10 | 169.37 | 583.61 | 1,424.44 | 392.94 | 180.40 | |
| Asset Coverage | 700 | 700 | 700 | 800 | 700 | 600 | 600 | 600 | 600 | 600 | 600 | 700 | 600 | 300 | 600 | |
| Cash Flow Coverage (CFGR) | 12.08 | 9.97 | 13.26 | 18.17 | 13.28 | 10.43 | 10.42 | 6.86 | 9.60 | 13.59 | 12.15 | 9.95 | 18.13 | 14.02 | 10.21 | |
| EBITDA Coverage | 200 | 300 | 400 | 500 | 800 | 800 | 700 | 600 | 400 | 300 | 200 | 600 | 1,700 | 400 | 100 | |
| Dividend Coverage | -200 | -900 | -400 | -300 | -300 | -300 | -300 | -300 | -300 | -200 | -200 | -100 | -200 | -200 | -100 | |
| Time Interest Earned (TIE) | 6,200 | 5,100 | 5,100 | 5,000 | 5,800 | 5,400 | 5,400 | 5,300 | 5,900 | -100 | -100 | -100 | -100 | 5,200 | 5,400 | |
| Market Prospects | ||||||||||||||||
| Dividend Yield | 3.41 | 1.11 | 2.18 | 3.25 | 2.80 | 2.55 | 2.57 | 2.20 | 2.16 | 3.36 | 2.99 | 3.47 | 2.68 | 4.14 | 4.63 | |
| Earnings Yield | 10.21 | 10.87 | 10.11 | 9.78 | 10.26 | 8.67 | 8.38 | 6.76 | 7.69 | 9.71 | 7.52 | 4.72 | 6.64 | 9.28 | 8.98 | |
|
Price/Earnings (P/E)
|
979.43 | 920.05 | 988.84 | 1,022.03 | 975.06 | 1,153.46 | 1,193.12 | 1,480.35 | 1,300.18 | 1,029.94 | 1,329.01 | 2,118.65 | 1,505.49 | 1,077.16 | 1,113.21 | |
| Price/Earnings Growth (PEG) | 12.89 | 28.92 | -573.53 | -171.34 | 24.65 | -2,156.97 | 1,109.60 | -1,113.23 | 31.42 | 125.63 | 1,885.53 | -55.04 | 18.67 | 118.96 | -144.09 | |
|
Price/Book (P/B)
|
80.04 | 103.80 | 88.74 | 78.64 | 96.59 | 108.33 | 109.57 | 126.23 | 146.07 | 114.39 | 144.69 | 117.80 | 153.37 | 142.16 | 121.50 | |
| Price/Tangible Book (P/TB) | 80.04 | 103.80 | 88.74 | 78.64 | 96.59 | 108.33 | 109.57 | 126.23 | 146.07 | 114.39 | 144.69 | 117.80 | 153.37 | 142.16 | 121.50 | |
| Price/Sales (P/S) | 150.62 | 209.06 | 210.94 | 197.72 | 255.82 | 313.89 | 321.77 | 381.07 | 425.03 | 318.68 | 400.26 | 376.45 | 446.42 | 308.19 | 288.69 | |
|
Price/Cash Flow (P/CF)
|
416.59 | 652.51 | 500.73 | 449.26 | 737.39 | 868.47 | 891.36 | 1,589.50 | 1,217.82 | 696.39 | 969.10 | 1,365.59 | 1,184.11 | 716.41 | 614.13 | |
| Price/Free CF (P/FCF) | 83.06 | 269.92 | -1,044.92 | -323.36 | 737.39 | -201.24 | 891.36 | 1,589.50 | -1,027.74 | 696.39 | -489.27 | -108.15 | 181.77 | 720.37 | 614.13 | |
| Price/Operating CF (P/OCF) | 416.59 | 652.51 | 500.73 | 449.26 | 737.39 | 868.47 | 891.36 | 1,589.50 | 1,217.82 | 696.39 | 969.10 | 1,365.59 | 1,184.11 | 716.41 | 614.13 |