PNC Financial Services (PNC)の財務
NYSE · Financial Services · Banks - Regional · 従業員55,572人 · CEO William S. Demchak
- 株価
- $227.86 -1.71%
- 時価総額
- $905億
- 企業価値
- $1400億
- 前回の決算
- Q3 '26 2026-10-15提出
- 次回の決算
- 2027-01-15
売上高(TTM)$357億+5.8% 前年比直近4四半期、棒グラフ=各四半期
営業利益率(TTM)27.2%+3.4 pt 前年比営業利益 $97.2億
純利益(TTM)$79億+21.1% 前年比税引後、営業外損益を含む
フリーキャッシュフロー(TTM)$48.3億-11.0% 前年比設備投資 $0
希薄化後EPS(TTM)$18.79+21.4% 前年比直近4四半期の合計
ネットキャッシュ$970億+116.5% 前年比現金 + 短期投資 - 債務
バリュエーションと主要指標
- 時価総額
- $905億 EV $1400億
- 売上高
- $357億 直近12か月
- 売上成長率
- – 来期
- 純利益率
- 22.1% 純利益 / 売上高、TTM
- P/E
- 12.1×
- P/S
- 2.5× 株価 / 売上高、TTM
- EV / EBITDA
- 10.9× TTM
- フリーキャッシュフロー
- $48.3億 直近12か月
- 純利益
- $79億 直近12か月
- 売上高予想
- – 来期
- 利益
- 2027-01-15
- 配当
- $7.40 1株当たり、直近12か月
主な要点
報告された数値から算出。各記述にはその根拠となる数値を添えています。
- 売上成長が加速:前年比6.6%Q3 '26の売上高は$93.6億、その前の4四半期の平均は3.9%。
- 営業利益率は27.2%(TTM)、前年比+3.4 pt売上高が5.8%増加する中、営業利益は20.6%増加。
- 設備投資は売上高の0.0%(前年は0.0%)直近4四半期の投資額は$0(前年比–)。フリーキャッシュフローは$48.3億で、純利益の61.2%。
- 株主還元$38.9億=フリーキャッシュフローの80.4%自社株買い$18.2億(前年は$16.5億)、配当$20.6億、株式報酬$0(TTM)。
- 希薄化後株式数は1年で1.3%増加Q3 '26の希薄化後株式数は4.01億、1年前は3.96億。
- ネットキャッシュ $970億現金 + 短期投資 $1770億、リース含む債務 $798億。1年前のネットキャッシュは$448億。
直近四半期:Q3 '26
2026-09-30終了の四半期。前年同期および決算前のアナリスト・コンセンサスとの比較。
四半期の前年比較
| Q3 '26 | 前年 | 増減 | |
|---|---|---|---|
| 売上高 | $93.6億 | $87.8億 | +6.6% |
| 売上総利益率 | 68.1% | 65.5% | +2.6 pt |
| 営業利益 | $26.2億 | $22.9億 | +14.6% |
| 営業利益率 | 28.0% | 26.1% | +2.0 pt |
| 純利益 | $20.8億 | $18.1億 | +15.1% |
| 希薄化後EPS | $4.97 | $4.35 | +14.3% |
| 営業キャッシュフロー | $0 | $26.6億 | -100.0% |
| 設備投資 | $0 | $0 | – |
| フリーキャッシュフロー | $0 | $26.6億 | -100.0% |
| R&D | $0 | $0 | – |
| 株式報酬費用 | $0 | $0 | – |
売上高
収益の源泉を事業別・地域別に四半期ごとに示します。
売上高、営業利益、成長率
四半期事業別売上高
積み上げ、四半期| セグメント | Q2 '26 | 前年比 | 構成比 | TTM | TTM前年比 | 12四半期 |
|---|---|---|---|---|---|---|
| Retail Banking | $45.2億 | – | 65.7% | – | – | |
| Retail Banking 1 | – | – | – | – | – | |
| Corporate & Institutional Banking | $32.6億 | +372.2% | 47.5% | – | – | |
| Other activities | -$13.7億 | – | -19.9% | – | – | |
| Other | – | – | – | – | – | |
| Asset Management Group | $4.62億 | +91.7% | 6.7% | – | – |
利益率とコスト構造
売上1単位あたり各段階で何が残るか、そしてコストがどこに使われるか。
利益率
四半期売上高に対するコスト比率
四半期キャッシュフローと資本配分
生み出した現金、その使途、そして株主に届く分。
営業キャッシュフロー、設備投資、フリーキャッシュフロー
四半期現金の使途と営業キャッシュフロー
会計年度直近4四半期
キャッシュフロー計算書- 営業キャッシュフロー
- $48.3億
- 設備投資
- $0
- 自社株買い
- -$18.2億
- 配当金
- -$20.6億
- 買収
- -$8000万
- 債務の純発行
- $86.3億
- 株式報酬費用
- $0
- フリーキャッシュフロー
- $48.3億
- 株主還元 / FCF
- 80.4%
株式数とEPS
四半期、希薄化後貸借対照表
各四半期末の流動性、投資、債務。
現金、投資、債務
四半期末バリュエーションとリターン
現在の倍率を同社の過去5会計年度と比較。アナリストの目標株価と評価。
倍率とリターン
TTMと過去5会計年度| 現在 | 5年平均 | 5年レンジ内の現在位置 | |
|---|---|---|---|
| P/E(TTM) | 12.1× | 13.2× | 11.4× – 15.8× |
| EV / EBITDA | 10.9× | 10.2× | 4.1× – 12.3× |
| EV / 売上高 | 3.9× | 2.8× | 1.8× – 3.8× |
| 株価 / FCF | 18.7× | 10.7× | 6.1× – 18.8× |
| 株価 / 純資産 | 1.5× | 1.4× | 1.2× – 1.5× |
| FCF利回り | 5.3% | 10.9% | 5.3% – 16.3% |
| 投下資本利益率 | 4.9% | 5.2% | 4.0% – 6.6% |
| 自己資本利益率 | 12.6% | 11.3% | 10.2% – 13.2% |
アナリスト
コンセンサス目標株価 $272.53 (+19.6%)
レンジ $240.00 – $305.00 · 評価 Hold
強い買い0
買い22
中立23
売り1
強い売り0
財務諸表
損益計算書、貸借対照表、キャッシュフロー計算書の全項目。12四半期と10会計年度を、金額・売上比・成長率で表示。
全報告項目
The PNC Financial Services Group, Inc.が直近の10-Q / 10-K提出書類にタグ付けした全358項目を、SECの公式ラベルと定義とともに掲載。注記(リース、税金、自社株買い、従業員など)も含みます。
| 項目(SECラベル) | 直近四半期 | 前年 | 前年比 | 直近FY | 前FY | 前年比 |
|---|---|---|---|---|---|---|
| Accrued Liabilities and Other Liabilities | $156億 | $136億 | +15.3% | $142億 | $164億 | -13.9% |
| Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment | $111億2025-12-31 | $107億 | +3.3% | $111億 | $107億 | +3.3% |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | -$41.2億 | -$46.8億 | +12.0% | -$34.1億 | -$65.7億 | +48.1% |
| Additional Collateral, Aggregate Fair Value | $20億 | $17億 | +17.6% | $15億 | $28億 | -46.4% |
| Additional Paid in Capital | $220億 | $188億 | +17.0% | $189億 | $187億 | +1.1% |
| Advances from Federal Home Loan Banks | $404億 | $180億 | +124.5% | $130億 | $220億 | -40.9% |
| Amortization | – | – | – | $1.51億 | $1.39億 | +8.6% |
| Assets | $6160億 | $5590億 | +10.2% | $5740億 | $5600億 | +2.4% |
| AssetsAverageOutstanding | $6160億 | $5620億 | +9.7% | $5660億 | $5650億 | +0.3% |
| Brokerage Commissions Revenue | $4.4億 | $3.91億 | +12.5% | $16億 | $14.9億 | +7.5% |
| Business Combination, Acquisition Related Costs | $1.27億 | – | – | – | – | – |
| Business Combination, Integration Related Costs | $1.21億 | – | – | – | – | – |
| Cash | – | – | – | $453億2024-12-31 | $497億 | -9.0% |
| Cash and Due from Banks | $59.5億 | $59.4億 | +0.2% | $67.8億 | $69億 | -1.8% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $287億 | $304億 | -5.4% | $397億 | $463億 | -14.1% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | -$29.5億 | -$80.1億 | +63.1% | -$65.4億 | -$44.7億 | -46.1% |
| Collateral Already Posted, Aggregate Fair Value | $8億 | $10億 | -20.0% | $8億 | $11億 | -27.3% |
| Common Stock, Capital Shares Reserved for Future Issuance | 7700万2025-12-31 | 7800万 | -1.3% | 7700万 | 7800万 | -1.3% |
| Common Stock, Dividends, Per Share, Declared | $1.70 | $1.60 | +6.3% | $6.60 | $6.30 | +4.8% |
| Common Stock, Par or Stated Value Per Share | $5.00 | $5.00 | 0.0% | $5.00 | $5.00 | 0.0% |
| Common Stock, Shares Authorized | 8億 | 8億 | 0.0% | 8億 | 8億 | 0.0% |
| Common Stock, Shares, Issued | 5.57億 | 5.43億 | +2.6% | 5.43億 | 5.43億 | 0.0% |
| Common Stock, Value, Issued | $27.9億 | $27.2億 | +2.5% | $27.2億 | $27.2億 | 0.0% |
| Comprehensive Income (Loss), Net of Tax, Attributable to Noncontrolling Interest | $1500万 | $1600万 | -6.3% | $6100万 | $6400万 | -4.7% |
| Comprehensive Income (Loss), Net of Tax, Attributable to Parent | $16.9億 | $21.8億 | -22.4% | $101億 | $70.4億 | +43.4% |
| Comprehensive Income (Loss), Net of Tax, Including Portion Attributable to Noncontrolling Interest | $17.1億 | $22億 | -22.3% | $102億 | $71億 | +43.0% |
| Contractually Specified Servicing Fee, Late Fee, and Ancillary Fee Earned in Exchange for Servicing Financial Asset | $2億 | $2億 | 0.0% | $7億 | $7億 | 0.0% |
| Current Federal Tax Expense (Benefit) | – | – | – | $13.5億 | $10.5億 | +28.7% |
| Current Foreign Tax Expense (Benefit) | – | – | – | $1000万 | $5200万 | -80.8% |
| Current Income Tax Expense (Benefit) | – | – | – | $15.3億 | $13.2億 | +15.9% |
| Current State and Local Tax Expense (Benefit) | – | – | – | $1.73億 | $2.21億 | -21.7% |
| Debt and Equity Securities, Gain (Loss) | -$1.39億 | $0 | – | -$900万 | -$5億 | +98.2% |
| Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss | $3.35億 | $3.25億 | +3.1% | $3.48億 | $3.28億 | +6.1% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax | $4.04億 | $4.17億 | -3.1% | $6.21億 | $2.43億 | +155.6% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax | $25.1億 | $30.4億 | -17.4% | $23.8億 | $37億 | -35.6% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 10 | $345億2025-12-31 | $348億 | -0.7% | $345億 | $348億 | -0.7% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10 | $141億2025-12-31 | $156億 | -10.0% | $141億 | $156億 | -10.0% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five | $208億2025-12-31 | $142億 | +46.1% | $208億 | $142億 | +46.1% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One | $5.31億2025-12-31 | $8.73億 | -39.2% | $5.31億 | $8.73億 | -39.2% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer | $192億 | $316億 | -39.2% | $221億 | $251億 | -12.2% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss | $23.9億 | $29.7億 | -19.6% | $23.6億 | $35.3億 | -33.1% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months | $161億 | $140億 | +15.0% | $6.44億 | $245億 | -97.4% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss | $1.09億 | $5000万 | +118.0% | $500万 | $1.47億 | -96.6% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10 | $327億2025-12-31 | $318億 | +2.9% | $327億 | $318億 | +2.9% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10 | $140億2025-12-31 | $153億 | -8.3% | $140億 | $153億 | -8.3% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five | $208億2025-12-31 | $141億 | +48.1% | $208億 | $141億 | +48.1% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One | $5.28億2025-12-31 | $8.7億 | -39.3% | $5.28億 | $8.7億 | -39.3% |
| Debt Securities, Available-for-sale, Gain (Loss) | -$700万2025-12-31 | -$200万 | -250.0% | -$900万 | -$5億 | +98.2% |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Amortized Cost | $387億 | $366億 | +5.6% | – | – | – |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Fair Value | $367億 | $342億 | +7.2% | – | – | – |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after Five Through Ten Years, Amortized Cost | $50.2億 | $161億 | -68.8% | – | – | – |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after Five Through Ten Years, Fair Value | $49.5億 | $159億 | -68.8% | – | – | – |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after One Through Five Years, Amortized Cost | $285億 | $160億 | +77.8% | – | – | – |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after One Through Five Years, Fair Value | $284億 | $160億 | +77.7% | – | – | – |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling within One Year, Amortized Cost | $10.2億 | $10.5億 | -2.8% | – | – | – |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling within One Year, Fair Value | $10.2億 | $10.4億 | -2.5% | – | – | – |
| Debt Securities, Available-for-sale, Realized Gain | $0 | $0 | – | $3200万 | $200万 | +1,500.0% |
| Debt Securities, Available-for-sale, Realized Gain (Loss) | -$1.39億 | $0 | – | -$900万 | -$5億 | +98.2% |
| Debt Securities, Available-for-sale, Realized Loss | $1.39億 | $0 | – | $4100万 | $5.02億 | -91.8% |
| Debt Securities, Available-for-sale, Unrealized Loss Position | $353億 | $456億 | -22.5% | $227億 | $496億 | -54.2% |
出典:SEC companyfacts(各10-Q / 10-KのXBRL)。キャッシュフローの四半期値は、10-Qにタグ付けされた累計値から算出。セグメント内訳はディメンション付きでタグ付けされているため、セグメントのセクションに表示しています。
出典
財務諸表、セグメント売上高、指標、予想:Financial Modeling Prep。セグメント利益と全報告項目:SEC EDGAR(XBRL)。 参照した提出書類: 10-Q 2026-06-30, 10-Q 2026-03-31, 10-K 2025-12-31, 10-Q 2025-09-30, 10-Q 2025-06-30, 10-Q 2025-03-31, 10-K 2024-12-31, 10-Q 2024-09-30, 10-Q 2024-06-30
データ基準日 2026-11-01