Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 14.05 | 12.60 | 10.69 | 11.55 | 12.11 | 12.52 | 12.79 | 13.24 | 11.47 | 13.03 | 20.93 | 8.53 | 9.37 | 7.98 | 11.38 | 9.88 | 11.63 | 14.28 | 17.53 | 14.82 | 19.63 |
| — | +0.6% | -16.4% | -12.8% | +5.6% | -3.9% | -38.9% | +55.3% | +22.4% | +63.2% | +83.9% | -13.7% | -19.5% | -44.1% | -35.1% | -33.3% | -40.7% | +33.5% | +557.8% | +82.9% | +526.8% | |
| P/S Ratio | 4.55 | 5.81 | 3.39 | 3.36 | 3.27 | 3.21 | 3.46 | 3.40 | 3.33 | 3.14 | 2.89 | 2.35 | 2.39 | 2.29 | 2.78 | 2.76 | 3.19 | 4.12 | 4.16 | 4.01 | 4.36 |
| — | +80.9% | -2.1% | -1.2% | -1.8% | +2.2% | +19.7% | +45.1% | +39.5% | +37.1% | +4.1% | -15.0% | -25.3% | -44.3% | -33.3% | -31.2% | -26.8% | -7.6% | +10.0% | +45.0% | +57.5% | |
| P/B Ratio | 1.52 | 1.34 | 1.36 | 1.35 | 1.28 | 1.24 | 1.41 | 1.33 | 1.18 | 1.26 | 1.21 | 0.99 | 1.02 | 1.04 | 1.39 | 1.31 | 1.37 | 1.57 | 1.53 | 1.48 | 1.49 |
| — | +8.4% | -4.0% | +1.6% | +8.7% | -1.5% | +16.3% | +33.7% | +15.3% | +20.8% | -12.8% | -24.3% | -25.3% | -33.9% | -8.7% | -11.4% | -8.0% | +13.5% | +29.9% | +68.6% | +76.0% | |
| P/FCF | 21.22 | 11.09 | 27.16 | 7.49 | 12.50 | — | 10.69 | 5.62 | 15.02 | 9.19 | 3.19 | 106.76 | 3.88 | 6.81 | 3.94 | 4.51 | 6.20 | — | 6.08 | 13.66 | 14.39 |
| — | — | +154.1% | +33.2% | -16.8% | — | +234.9% | -94.7% | +287.4% | +35.0% | -19.1% | +2265.8% | -37.5% | — | -35.2% | -67.0% | -56.9% | — | -25.8% | -54.1% | +288.8% | |
| EV / EBITDA | 12.88 | 13.37 | 10.22 | 10.79 | 12.35 | 11.92 | 11.16 | 13.39 | 12.70 | 11.49 | 19.15 | 8.97 | 9.73 | 8.54 | 11.33 | 8.28 | 8.12 | 5.64 | 4.03 | 3.64 | 5.06 |
| — | +12.2% | -8.4% | -19.4% | -2.8% | +3.7% | -41.7% | +49.2% | +30.5% | +34.6% | +69.0% | +8.4% | +19.9% | +51.3% | +181.4% | +127.7% | +60.5% | +310.6% | +251.3% | +147.5% | — | |
| EV / EBIT | 13.01 | 13.78 | 10.69 | 11.26 | 12.85 | 12.50 | 12.12 | 13.54 | 12.96 | 11.75 | 19.93 | 9.21 | 10.06 | 8.81 | 11.72 | 8.51 | 8.76 | 6.90 | 5.38 | 4.48 | 6.67 |
| — | +10.2% | -11.8% | -16.8% | -0.8% | +6.4% | -39.2% | +47.0% | +28.8% | +33.4% | +70.1% | +8.2% | +14.9% | +27.6% | +117.9% | +90.0% | +31.3% | +328.9% | +256.7% | +168.3% | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 71.7% | 96.6% | 68.0% | 65.4% | 64.6% | 64.6% | 63.4% | 58.7% | 55.7% | 59.5% | 60.5% | 63.7% | 66.6% | 70.2% | 74.7% | 85.5% | 95.0% | 101.8% | 104.5% | 101.6% | 91.2% |
| — | +49.5% | +7.3% | +11.4% | +15.9% | +8.5% | +4.8% | -7.8% | -16.4% | -15.2% | -18.9% | -25.6% | -29.9% | -31.0% | -28.5% | -15.8% | +4.2% | -7.7% | +1.7% | +6.3% | +147.2% | |
| Operating Margin | 27.1% | 35.5% | 26.7% | 26.0% | 24.2% | 22.8% | 22.3% | 21.1% | 22.9% | 19.8% | 12.5% | 23.2% | 23.0% | 26.8% | 26.2% | 32.7% | 34.3% | 35.9% | 31.9% | 34.1% | 27.5% |
| — | +55.7% | +19.6% | +23.5% | +5.4% | +15.3% | +79.3% | -9.2% | -0.2% | -26.2% | -52.5% | -29.0% | -33.1% | -25.4% | -17.7% | -4.2% | +25.0% | -29.3% | -21.1% | -11.1% | +233.2% | |
| Net Margin | 22.1% | 28.5% | 23.2% | 20.6% | 19.4% | 18.3% | 18.9% | 16.8% | 18.4% | 15.9% | 10.2% | 19.4% | 19.2% | 21.9% | 21.3% | 26.2% | 27.7% | 29.2% | 24.8% | 27.7% | 22.8% |
| — | +56.2% | +22.8% | +22.0% | +5.7% | +15.2% | +85.0% | -13.1% | -4.2% | -27.6% | -52.1% | -25.9% | -30.7% | -25.0% | -14.0% | -5.6% | +21.6% | -30.3% | -82.1% | -19.2% | -72.7% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.1% | 2.8% | 3.4% | 3.1% | 2.9% | 2.7% | 2.9% | 2.7% | 2.8% | 2.6% | 1.7% | 3.1% | 3.0% | 3.5% | 3.3% | 3.4% | 3.1% | 2.7% | 2.3% | 2.7% | 2.0% |
| — | +6.0% | +15.5% | +12.7% | +1.7% | +2.9% | +70.2% | -12.6% | -6.9% | -26.6% | -48.0% | -8.6% | -1.4% | +31.7% | +43.1% | +29.5% | +52.1% | -20.3% | -79.3% | -7.1% | -71.8% | |
| ROA | 1.2% | 0.3% | 0.4% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.2% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.3% | 0.2% |
| — | +12.6% | +23.6% | +20.7% | +12.4% | +12.6% | +85.4% | -4.6% | -1.9% | -21.3% | -43.6% | -5.6% | -3.3% | +16.9% | +17.6% | +10.9% | +29.0% | -33.6% | -82.0% | -19.3% | -73.7% | |
| ROIC | 5.4% | 1.3% | 1.5% | 1.4% | 1.3% | 1.2% | 1.2% | 1.1% | 1.1% | 1.0% | 0.7% | 1.2% | 1.2% | 1.4% | 1.4% | 1.6% | 1.7% | 1.6% | 1.4% | 1.5% | 1.1% |
| — | +11.4% | +22.7% | +27.1% | +17.4% | +18.5% | +80.2% | -6.9% | -7.2% | -30.0% | -51.8% | -26.4% | -31.4% | -9.1% | -1.9% | +8.4% | +54.5% | -13.8% | +0.3% | +16.4% | +284.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.94 | 1.05 | 0.94 | 1.06 | 1.05 | 1.08 | 1.13 | 1.22 | 1.36 | 1.42 | 1.42 | 1.34 | 1.33 | 1.24 | 1.28 | 1.17 | 0.75 | 0.54 | 0.59 | 0.59 | 0.64 |
| — | -2.7% | -16.8% | -13.5% | -22.7% | -24.0% | -20.4% | -8.7% | +2.3% | +14.2% | +11.0% | +14.4% | +75.6% | +129.6% | +116.4% | +96.7% | +18.5% | -11.9% | -18.5% | -24.7% | -28.3% | |
| Debt / EBITDA | 6.66 | 29.59 | 23.43 | 26.11 | 28.69 | 31.36 | 29.81 | 36.15 | 38.46 | 42.95 | 66.24 | 34.68 | 35.63 | 28.80 | 30.19 | 26.19 | 18.17 | 12.58 | 14.86 | 14.98 | 20.08 |
| — | -5.7% | -21.4% | -27.8% | -25.4% | -27.0% | -55.0% | +4.2% | +8.0% | +49.1% | +119.5% | +32.4% | +96.1% | +129.0% | +103.1% | +74.8% | -9.5% | -2.1% | -12.8% | -31.3% | — | |
| Current Ratio | 0.11 | 0.36 | 0.11 | 0.25 | 0.11 | 0.13 | 0.15 | 0.14 | 0.14 | 0.18 | 0.23 | 0.14 | 0.12 | 0.11 | 0.19 | 0.13 | 0.10 | 0.14 | 0.47 | 0.20 | 0.20 |
| — | +172.7% | -21.8% | +76.3% | -21.6% | -28.2% | -37.8% | +1.4% | +12.5% | +64.7% | +25.0% | +8.6% | +20.4% | -21.8% | -59.8% | -37.5% | -47.8% | -47.2% | -5.6% | -17.0% | -1.0% | |
| Quick Ratio | 0.11 | 0.36 | 0.11 | 0.25 | 0.11 | 0.13 | 0.15 | 0.14 | 0.14 | 0.18 | 0.23 | 0.14 | 0.12 | 0.11 | 0.19 | 0.13 | 0.10 | 0.14 | 0.47 | 0.20 | 0.20 |
| — | +172.7% | -21.8% | +76.3% | -21.6% | -28.2% | -37.8% | +1.4% | +12.5% | +64.7% | +25.0% | +8.6% | +20.4% | -21.8% | -59.8% | -37.5% | -47.8% | -47.2% | -5.6% | -17.0% | -1.0% | |
| Interest Coverage | 0.78 | 0.88 | 0.88 | 0.79 | 0.75 | 0.70 | 0.64 | 0.55 | 0.56 | 0.51 | 0.34 | 0.67 | 0.73 | 0.99 | 1.32 | 3.09 | 7.98 | 15.71 | 14.72 | 15.24 | 10.96 |
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Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying PNC stock.
The PNC Financial Services Group, Inc.'s current P/E is 14.1x. The average P/E over the last 4 quarters is 11.7x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
The PNC Financial Services Group, Inc.'s current operating margin is 27.1%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking The PNC Financial Services Group, Inc.'s business trajectory between earnings reports.