Skip to content
Screener

PNC Financial Services PNC Q4 2025 Annual earnings

Reported January 16, 2026 · Before market open

Revenue$6.1BBeat by $112.7M
EPS$4.88Beat by $0.65
Revenue estimate$6.0B
EPS estimate$4.23

Next report

Oct 15, 2026 (In 1 week)
Revenue estimate$6.6B
EPS estimate$4.91

Financials

Q4 2025

Income statement

See full
Revenue$6.1B+9.1%
Net income$2.0B+25.0%
EPS (diluted)$4.87+29.5%

Balance sheet

See full
Cash & equivalents$39.7B-12.3%
Total debt$59.0B-7.1%
Total equity$60.6B+11.3%
Total assets$573.57B+2.4%

Cash flow

See full
Operating cash flow$757.0M-57.9%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$81.86B+7.0%
Enterprise value$101.18B+6.7%
P/E11.7×-1.1×
P/S3.5×0.0×

Profitability

See full
Net margin30.2%+2.6pp

Returns & leverage

See full
Return on equity12.1%+0.9pp
Debt / equity1×-0.2×

Segments

By product

See full
Treasury management fees$409.0M+4.6%
Brokerage fees$155.0M+14.8%
Merchant services$53.0M-7.0%
Other$26.0M-7.1%

By segment

See full
Retail Banking$3.8B+6.1%
Corporate & Institutional Banking$3.0B+11.4%
Asset Management Group$440.0M+9.2%

FAQ

When did PNC Financial Services report Q4 2025 earnings?
PNC Financial Services (PNC) reported Q4 2025 earnings on January 16, 2026 before market open.
What were PNC Financial Services's Q4 2025 revenue and EPS?
PNC Financial Services reported revenue of $6.1B and eps of $4.88 for Q4 2025.
Did PNC Financial Services beat estimates in Q4 2025?
Revenue beat the consensus estimate of $6.0B by $112.7M. EPS beat the consensus estimate of $4.23 by $0.65.
How did PNC Financial Services's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 9.2% from $5.6B a year earlier and eps grew 29.4% from $3.77.
Where can I find PNC Financial Services's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000713676-26-000006) and the 10-K periodic report (0000713676-26-000020) directly on SEC EDGAR. The filing index links above go to sec.gov.