Last 46 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
The PNC Financial Services Group, Inc.'s quarterly P/E stands at 11.5x, down 12.8% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 15.9% YoY to 11.3x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 15.96 | 11.55 | 12.11 | 12.52 | 12.79 | 13.24 | 11.47 | 13.03 | 20.93 | 8.53 | 9.37 | 7.98 | 11.38 |
| — | -12.8% | +5.6% | -3.9% | -38.9% | +55.3% | +22.4% | +63.2% | +83.9% | -13.7% | -19.5% | -44.1% | -35.1% | |
| P/S Ratio | 2.63 | 2.26 | 2.21 | 2.16 | 2.25 | 2.09 | 1.96 | 1.93 | 1.83 | 1.53 | 1.63 | 1.67 | 2.22 |
| — | +8.2% | +12.8% | +12.0% | +23.0% | +36.5% | +19.9% | +15.4% | -17.6% | -37.9% | -46.5% | -58.5% | -45.4% | |
| P/B Ratio | 1.61 | 1.35 | 1.28 | 1.24 | 1.41 | 1.33 | 1.18 | 1.26 | 1.21 | 0.99 | 1.02 | 1.04 | 1.39 |
| — | +1.6% | +8.7% | -1.5% | +16.3% | +33.7% | +15.3% | +20.8% | -12.8% | -24.3% | -25.3% | -33.9% | -8.7% | |
| P/FCF | 11.25 | 7.49 | 12.50 | — | 10.69 | 5.62 | 15.02 | 9.19 | 3.19 | 106.76 | 3.88 | 6.81 | 3.94 |
| — | +33.2% | -16.8% | — | +234.9% | -94.7% | +287.4% | +35.0% | -19.1% | +2265.8% | -37.5% | — | -35.2% | |
| EV / EBITDA | 13.88 | 11.26 | 12.85 | 11.92 | 11.16 | 13.39 | 12.70 | 11.49 | 19.15 | 8.97 | 9.73 | 8.54 | 11.33 |
| — | -15.9% | +1.2% | +3.7% | -41.7% | +49.2% | +30.5% | +34.6% | +69.0% | +8.4% | +19.9% | +51.3% | +181.4% | |
| EV / EBIT | 14.37 | 11.26 | 12.85 | 12.50 | 12.12 | 13.54 | 12.96 | 11.75 | 19.93 | 9.21 | 10.06 | 8.81 | 11.72 |
| — | -16.8% | -0.8% | +6.4% | -39.2% | +47.0% | +28.8% | +33.4% | +70.1% | +8.2% | +14.9% | +27.6% | +117.9% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
The PNC Financial Services Group, Inc.'s operating margin was 26.0% in Q3 2025, up 1.8 pp QoQ and up 5.0 pp YoY. This marks the 5th consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 23.8% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 11.4% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 59.4% | 65.4% | 64.6% | 64.6% | 63.4% | 58.7% | 55.7% | 59.5% | 60.5% | 63.7% | 66.6% | 70.2% | 74.7% |
| — | +11.4% | +15.9% | +8.5% | +4.8% | -7.8% | -16.4% | -15.2% | -18.9% | -25.6% | -29.9% | -31.0% | -28.5% | |
| Operating Margin | 21.5% | 26.0% | 24.2% | 22.8% | 22.3% | 21.1% | 22.9% | 19.8% | 12.5% | 23.2% | 23.0% | 26.8% | 26.2% |
| — | +23.5% | +5.4% | +15.3% | +79.3% | -9.2% | -0.2% | -26.2% | -52.5% | -29.0% | -33.1% | -25.4% | -17.7% | |
| Net Margin | 17.5% | 20.6% | 19.4% | 18.3% | 18.9% | 16.8% | 18.4% | 15.9% | 10.2% | 19.4% | 19.2% | 21.9% | 21.3% |
| — | +22.0% | +5.7% | +15.2% | +85.0% | -13.1% | -4.2% | -27.6% | -52.1% | -25.9% | -30.7% | -25.0% | -14.0% |
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.2% | 3.1% | 2.9% | 2.7% | 2.9% | 2.7% | 2.8% | 2.6% | 1.7% | 3.1% | 3.0% | 3.5% | 3.3% |
| — | +12.7% | +1.7% | +2.9% | +70.2% | -12.6% | -6.9% | -26.6% | -48.0% | -8.6% | -1.4% | +31.7% | +43.1% | |
| ROA | 1.1% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.2% | 0.3% | 0.3% | 0.3% | 0.3% |
| — | +20.7% | +12.4% | +12.6% | +85.4% | -4.6% | -1.9% | -21.3% | -43.6% | -5.6% | -3.3% | +16.9% | +17.6% | |
| ROIC | 4.5% | 1.4% | 1.3% | 1.2% | 1.2% | 1.1% | 1.1% | 1.0% | 0.7% | 1.2% | 1.2% | 1.4% | 1.4% |
| — | +27.1% | +17.4% | +18.5% | +80.2% | -6.9% | -7.2% | -30.0% | -51.8% | -26.4% | -31.4% | -9.1% | -1.9% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
The PNC Financial Services Group, Inc.'s Debt/EBITDA ratio is 27.3x, down from 29.9x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 76.3% YoY to 0.25x, strengthening the short-term liquidity position.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.13 | 1.06 | 1.05 | 1.08 | 1.13 | 1.22 | 1.36 | 1.42 | 1.42 | 1.34 | 1.33 | 1.24 | 1.28 |
| — | -13.5% | -22.7% | -24.0% | -20.4% | -8.7% | +2.3% | +14.2% | +11.0% | +14.4% | +75.6% | +129.6% | +116.4% | |
| Debt / EBITDA | 8.22 | 27.26 | 29.85 | 31.36 | 29.81 | 36.15 | 38.46 | 42.95 | 66.24 | 34.68 | 35.63 | 28.80 | 30.19 |
| — | -24.6% | -22.4% | -27.0% | -55.0% | +4.2% | +8.0% | +49.1% | +119.5% | +32.4% | +96.1% | +129.0% | +103.1% | |
| Current Ratio | 0.15 | 0.25 | 0.11 | 0.13 | 0.15 | 0.14 | 0.14 | 0.18 | 0.23 | 0.14 | 0.12 | 0.11 | 0.19 |
| — | +76.3% | -21.6% | -28.2% | -37.8% | +1.4% | +12.5% | +64.7% | +25.0% | +8.6% | +20.4% | -21.8% | -59.8% | |
| Quick Ratio | 0.15 | 0.25 | 0.11 | 0.13 | 0.15 | 0.14 | 0.14 | 0.18 | 0.23 | 0.14 | 0.12 | 0.11 | 0.19 |
| — | +76.3% | -21.6% | -28.2% | -37.8% | +1.4% | +12.5% | +64.7% | +25.0% | +8.6% | +20.4% | -21.8% | -59.8% | |
| Interest Coverage | 0.56 | 0.79 | 0.75 | 0.70 | 0.64 | 0.55 | 0.56 | 0.51 | 0.34 | 0.67 | 0.73 | 0.99 | 1.32 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 46 years · Updated daily
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The PNC Financial Services Group, Inc.'s current P/E is 16.0x. The average P/E over the last 4 quarters is 12.2x. 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 21.5%. 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.