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PNC Financial Services Group, I(PNC)

F

Financial data as of Dec 31, 2025Declining · Financials

FCF Margin19.0%Free Cash Flow / Revenue
Cash Conversion63.2%Operating CF / Net Income
Free Cash Flow$4.4B
Revenue$23.1B
Net Cash-$17.4BNet debt position
Debt / FCF13.0xElevated debt burden
Current Ratio0.00Tight short-term liquidity
YoY FCF Growth-57.9%4 of 5 quarters positive

How This Grade Was Calculated

Base grade from FCF margin, adjusted by financial health factors

BaseA
→
-2Very high debt-to-FCF ratio (13.0x)
→
-1Current ratio below 1.0 (0.00)
→
-1Significant YoY FCF decline (-57.9%)
→
-0.5Highly volatile FCF (consistency: 0.86)
→
FinalF

Analysis Summary

Strengths

  • Strong FCF margin (19.0%)

Concerns

  • Heavy debt position ($17.4B net debt, 13.0x FCF)
  • High debt-to-FCF ratio (13.0x)
  • Current ratio below 1.0 — tight short-term liquidity
  • Significant YoY FCF decline (-57.9%)
  • Highly volatile quarterly FCF

Financial Breakdown

Key financials compared side by side

Margin Composition

FCF Margin19.0%
Net Margin30.1%
Operating CF Margin19.0%
CapEx Ratio0.0%

Balance Sheet Health

Debt, liquidity, and leverage snapshot

Net Cash-$17.4BNet debt position
Debt / FCF13.0xElevated debt burden
Current Ratio0.00Tight liquidity
Debt / Equity0.94Low leverage

Quarterly FCF Trend

-57.9% YoYDeclining (-57.9%)

Free cash flow per quarter

Sector Comparison — Financials

FCF Margin ranked against sector peers

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Detailed Metrics

Company NamePNC Financial Services Group, I
SectorFinancials
Free Cash Flow$4.4B
Revenue$23.1B
Net Income$6.9B
Operating Cash Flow$4.4B
Capital Expenditure$0
FCF Margin19.0%
Cash Conversion Rate63.2%
Net Margin30.1%
Total Debt$57.1B
Total Cash$39.7B
Net Cash-$17.4B
Current Ratio0.00
Debt / Equity0.94
Debt / FCF13.0x
YoY FCF Growth-57.9%
Positive Quarters4 of 5
Trend DirectionDeclining
Report DateDec 31, 2025
GradeF
Data SourceYahoo Finance