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PNC Financial Services PNC Assumed health care cost trend rate Initial trend

Assumed health care cost trend rate Initial trend at other companies

Wells Fargo & Company logo
Wells Fargo & CompanyWFC
14.5%
Wells Fargo & Company logo
Wells Fargo & CompanyWFC
2%
Imperial Oil logo
Imperial OilIMO
3.6%0.0pp
General Mills logo
General MillsGIS
4.5%0.0pp
Ameren logo
AmerenAEE
7%
Ameren logo
AmerenAEE
7%

Other financials

Income statement

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Revenue$6.2B+13.1%
Net income$1.8B+18.2%
EPS (diluted)$4.13+17.7%

Balance sheet

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Cash & equivalents$31.7B-15.3%
Total debt$66.7B+9.8%
Total equity$63.6B+12.8%
Total assets$603.03B+8.7%

Cash flow

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Operating cash flow$1.9B+479%

Valuation

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Market cap$93.18B+20.7%
Enterprise value$128.15B+28.0%
P/E12.8×+0.2×
P/S3.9×+0.4×

Profitability

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Net margin30.5%+2.6pp

Returns & leverage

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Return on equity12.1%+0.8pp
Debt / equity0.0×

Where this comes from

Reported directly by PNC Financial Services in its filing.

Tagged under the XBRL concept pnc:DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationAssumedHealthCareCostTrendRateInitialTrend.

The official record: PNC Financial Services’s 10-K, filed February 20, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is PNC Financial Services's assumed health care cost trend rate initial trend?
PNC Financial Services (PNC) reported assumed health care cost trend rate initial trend of 7% in Q4 2025.
How has PNC Financial Services's assumed health care cost trend rate initial trend changed year-over-year?
PNC Financial Services's assumed health care cost trend rate initial trend increased by 7.7% year-over-year, from 6.5% to 7%.
What is the long-term trend for PNC Financial Services's assumed health care cost trend rate initial trend?
Over 5 years (2020 to 2025), PNC Financial Services's assumed health care cost trend rate initial trend has grown at a 3.1% compound annual growth rate (CAGR), from 6% to 7%.
What does assumed health care cost trend rate initial trend mean?
The starting annual rate of health care cost growth used for pension liability calculations.
How do you interpret assumed health care cost trend rate initial trend?
Higher initial rates increase the immediate valuation of post-retirement health care liabilities.
How does assumed health care cost trend rate initial trend compare across companies?
Standard actuarial disclosure for companies with post-retirement medical benefits.