PNC Financial Services (PNC)财务
NYSE · Financial Services · Banks - Regional · 员工55,572人 · CEO William S. Demchak
- 股价
- $227.86 -1.71%
- 市值
- $905亿
- 企业价值
- $1400亿
- 最近财报
- Q3 '26 2026-10-15提交
- 下次财报
- 2027-01-15
营收(TTM)$357亿+5.8% 对比去年同期最近4个季度;柱状图=各季度
营业利润率(TTM)27.2%+3.4 百分点 对比去年同期营业利润 $97.2亿
净利润(TTM)$79亿+21.1% 对比去年同期税后,含营业外收益
自由现金流(TTM)$48.3亿-11.0% 对比去年同期资本支出 $0
稀释EPS(TTM)$18.79+21.4% 对比去年同期最近4个季度之和
净现金$970亿+116.5% 对比去年同期现金 + 短期投资 - 债务
估值与关键数据
- 市值
- $905亿 EV $1400亿
- 营收
- $357亿 过去12个月
- 营收增速
- – 下一财年
- 净利润率
- 22.1% 净利润 / 营收,TTM
- P/E
- 12.1×
- P/S
- 2.5× 股价 / 营收,TTM
- EV / EBITDA
- 10.9× TTM
- 自由现金流
- $48.3亿 过去12个月
- 净利润
- $79亿 过去12个月
- 营收预期
- – 下一财年
- 盈利
- 2027-01-15
- 股息
- $7.40 每股,过去12个月
核心要点
根据披露数据计算,每条结论都附有其依据的数字。
- 营收增长加速:同比6.6%Q3 '26营收$93.6亿,此前四个季度的平均值为3.9%。
- 营业利润率27.2%(TTM),较去年同期+3.4 百分点营收增长5.8%,营业利润增长20.6%。
- 资本支出占营收的0.0%(去年为0.0%)最近4个季度投入$0(同比–)。自由现金流$48.3亿,相当于净利润的61.2%。
- 股东回报$38.9亿 = 自由现金流的80.4%回购$18.2亿(去年为$16.5亿),股息$20.6亿,股权激励$0(TTM)。
- 稀释股数一年内增加1.3%Q3 '26稀释股数4.01亿,一年前为3.96亿。
- 净现金 $970亿现金 + 短期投资 $1770亿,含租赁债务 $798亿;一年前净现金 $448亿。
上一季度:Q3 '26
截至2026-09-30的季度。与去年同期及财报发布前的分析师一致预期对比。
本季度与去年同期
| Q3 '26 | 去年同期 | 变化 | |
|---|---|---|---|
| 营收 | $93.6亿 | $87.8亿 | +6.6% |
| 毛利率 | 68.1% | 65.5% | +2.6 百分点 |
| 营业利润 | $26.2亿 | $22.9亿 | +14.6% |
| 营业利润率 | 28.0% | 26.1% | +2.0 百分点 |
| 净利润 | $20.8亿 | $18.1亿 | +15.1% |
| 稀释EPS | $4.97 | $4.35 | +14.3% |
| 经营现金流 | $0 | $26.6亿 | -100.0% |
| 资本支出 | $0 | $0 | – |
| 自由现金流 | $0 | $26.6亿 | -100.0% |
| R&D | $0 | $0 | – |
| 股权激励费用 | $0 | $0 | – |
营收
收入从何而来,按业务线和地区逐季展示。
营收、营业利润与增速
季度按业务线划分的营收
堆叠,季度| 分部 | Q2 '26 | 同比 | 占比 | TTM | TTM同比 | 12个季度 |
|---|---|---|---|---|---|---|
| Retail Banking | $45.2亿 | – | 65.7% | – | – | |
| Retail Banking 1 | – | – | – | – | – | |
| Corporate & Institutional Banking | $32.6亿 | +372.2% | 47.5% | – | – | |
| Other activities | -$13.7亿 | – | -19.9% | – | – | |
| Other | – | – | – | – | – | |
| Asset Management Group | $4.62亿 | +91.7% | 6.7% | – | – |
利润率与成本结构
每一单位营收在各层级还剩多少,成本又花在哪里。
利润率
季度成本占营收比例
季度现金流与资本配置
创造了多少现金,用在何处,又有多少回到股东手中。
经营现金流、资本支出、自由现金流
季度现金用途与经营现金流
财年最近4个季度
现金流量表- 经营现金流
- $48.3亿
- 资本支出
- $0
- 股票回购
- -$18.2亿
- 股息
- -$20.6亿
- 收购
- -$8000万
- 债务净发行
- $86.3亿
- 股权激励费用
- $0
- 自由现金流
- $48.3亿
- 股东回报 / FCF
- 80.4%
股数与EPS
季度,稀释资产负债表
各季度末的流动性、投资和债务。
现金、投资与债务
季度末估值与回报
当前估值倍数与公司自身过去五个财年对比;分析师目标价与评级。
估值倍数与回报
TTM与过去5个财年| 当前 | 5年均值 | 当前处于5年区间的位置 | |
|---|---|---|---|
| P/E(TTM) | 12.1× | 13.2× | 11.4× – 15.8× |
| EV / EBITDA | 10.9× | 10.2× | 4.1× – 12.3× |
| EV / 营收 | 3.9× | 2.8× | 1.8× – 3.8× |
| 股价 / FCF | 18.7× | 10.7× | 6.1× – 18.8× |
| 股价 / 净资产 | 1.5× | 1.4× | 1.2× – 1.5× |
| FCF收益率 | 5.3% | 10.9% | 5.3% – 16.3% |
| 投入资本回报率 | 4.9% | 5.2% | 4.0% – 6.6% |
| 净资产收益率 | 12.6% | 11.3% | 10.2% – 13.2% |
分析师
一致目标价 $272.53 (+19.6%)
区间 $240.00 – $305.00 · 评级 Hold
强烈买入0
买入22
持有23
卖出1
强烈卖出0
财务报表
利润表、资产负债表和现金流量表的每一项,含12个季度和10个财年,以金额、占营收比例或增速展示。
全部披露项目
The PNC Financial Services Group, Inc.在近期10-Q / 10-K文件中标记的全部358项数据,附SEC官方标签和定义,包括附注(租赁、税务、回购、员工等)。
| 项目(SEC标签) | 最近季度 | 去年同期 | 同比 | 最近财年 | 上一财年 | 同比 |
|---|---|---|---|---|---|---|
| Accrued Liabilities and Other Liabilities | $156亿 | $136亿 | +15.3% | $142亿 | $164亿 | -13.9% |
| Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment | $111亿2025-12-31 | $107亿 | +3.3% | $111亿 | $107亿 | +3.3% |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | -$41.2亿 | -$46.8亿 | +12.0% | -$34.1亿 | -$65.7亿 | +48.1% |
| Additional Collateral, Aggregate Fair Value | $20亿 | $17亿 | +17.6% | $15亿 | $28亿 | -46.4% |
| Additional Paid in Capital | $220亿 | $188亿 | +17.0% | $189亿 | $187亿 | +1.1% |
| Advances from Federal Home Loan Banks | $404亿 | $180亿 | +124.5% | $130亿 | $220亿 | -40.9% |
| Amortization | – | – | – | $1.51亿 | $1.39亿 | +8.6% |
| Assets | $6160亿 | $5590亿 | +10.2% | $5740亿 | $5600亿 | +2.4% |
| AssetsAverageOutstanding | $6160亿 | $5620亿 | +9.7% | $5660亿 | $5650亿 | +0.3% |
| Brokerage Commissions Revenue | $4.4亿 | $3.91亿 | +12.5% | $16亿 | $14.9亿 | +7.5% |
| Business Combination, Acquisition Related Costs | $1.27亿 | – | – | – | – | – |
| Business Combination, Integration Related Costs | $1.21亿 | – | – | – | – | – |
| Cash | – | – | – | $453亿2024-12-31 | $497亿 | -9.0% |
| Cash and Due from Banks | $59.5亿 | $59.4亿 | +0.2% | $67.8亿 | $69亿 | -1.8% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $287亿 | $304亿 | -5.4% | $397亿 | $463亿 | -14.1% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | -$29.5亿 | -$80.1亿 | +63.1% | -$65.4亿 | -$44.7亿 | -46.1% |
| Collateral Already Posted, Aggregate Fair Value | $8亿 | $10亿 | -20.0% | $8亿 | $11亿 | -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 | 8亿 | 8亿 | 0.0% | 8亿 | 8亿 | 0.0% |
| Common Stock, Shares, Issued | 5.57亿 | 5.43亿 | +2.6% | 5.43亿 | 5.43亿 | 0.0% |
| Common Stock, Value, Issued | $27.9亿 | $27.2亿 | +2.5% | $27.2亿 | $27.2亿 | 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 | $16.9亿 | $21.8亿 | -22.4% | $101亿 | $70.4亿 | +43.4% |
| Comprehensive Income (Loss), Net of Tax, Including Portion Attributable to Noncontrolling Interest | $17.1亿 | $22亿 | -22.3% | $102亿 | $71亿 | +43.0% |
| Contractually Specified Servicing Fee, Late Fee, and Ancillary Fee Earned in Exchange for Servicing Financial Asset | $2亿 | $2亿 | 0.0% | $7亿 | $7亿 | 0.0% |
| Current Federal Tax Expense (Benefit) | – | – | – | $13.5亿 | $10.5亿 | +28.7% |
| Current Foreign Tax Expense (Benefit) | – | – | – | $1000万 | $5200万 | -80.8% |
| Current Income Tax Expense (Benefit) | – | – | – | $15.3亿 | $13.2亿 | +15.9% |
| Current State and Local Tax Expense (Benefit) | – | – | – | $1.73亿 | $2.21亿 | -21.7% |
| Debt and Equity Securities, Gain (Loss) | -$1.39亿 | $0 | – | -$900万 | -$5亿 | +98.2% |
| Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss | $3.35亿 | $3.25亿 | +3.1% | $3.48亿 | $3.28亿 | +6.1% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax | $4.04亿 | $4.17亿 | -3.1% | $6.21亿 | $2.43亿 | +155.6% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax | $25.1亿 | $30.4亿 | -17.4% | $23.8亿 | $37亿 | -35.6% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 10 | $345亿2025-12-31 | $348亿 | -0.7% | $345亿 | $348亿 | -0.7% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10 | $141亿2025-12-31 | $156亿 | -10.0% | $141亿 | $156亿 | -10.0% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five | $208亿2025-12-31 | $142亿 | +46.1% | $208亿 | $142亿 | +46.1% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One | $5.31亿2025-12-31 | $8.73亿 | -39.2% | $5.31亿 | $8.73亿 | -39.2% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer | $192亿 | $316亿 | -39.2% | $221亿 | $251亿 | -12.2% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss | $23.9亿 | $29.7亿 | -19.6% | $23.6亿 | $35.3亿 | -33.1% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months | $161亿 | $140亿 | +15.0% | $6.44亿 | $245亿 | -97.4% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss | $1.09亿 | $5000万 | +118.0% | $500万 | $1.47亿 | -96.6% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10 | $327亿2025-12-31 | $318亿 | +2.9% | $327亿 | $318亿 | +2.9% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10 | $140亿2025-12-31 | $153亿 | -8.3% | $140亿 | $153亿 | -8.3% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five | $208亿2025-12-31 | $141亿 | +48.1% | $208亿 | $141亿 | +48.1% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One | $5.28亿2025-12-31 | $8.7亿 | -39.3% | $5.28亿 | $8.7亿 | -39.3% |
| Debt Securities, Available-for-sale, Gain (Loss) | -$700万2025-12-31 | -$200万 | -250.0% | -$900万 | -$5亿 | +98.2% |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Amortized Cost | $387亿 | $366亿 | +5.6% | – | – | – |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Fair Value | $367亿 | $342亿 | +7.2% | – | – | – |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after Five Through Ten Years, Amortized Cost | $50.2亿 | $161亿 | -68.8% | – | – | – |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after Five Through Ten Years, Fair Value | $49.5亿 | $159亿 | -68.8% | – | – | – |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after One Through Five Years, Amortized Cost | $285亿 | $160亿 | +77.8% | – | – | – |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after One Through Five Years, Fair Value | $284亿 | $160亿 | +77.7% | – | – | – |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling within One Year, Amortized Cost | $10.2亿 | $10.5亿 | -2.8% | – | – | – |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling within One Year, Fair Value | $10.2亿 | $10.4亿 | -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) | -$1.39亿 | $0 | – | -$900万 | -$5亿 | +98.2% |
| Debt Securities, Available-for-sale, Realized Loss | $1.39亿 | $0 | – | $4100万 | $5.02亿 | -91.8% |
| Debt Securities, Available-for-sale, Unrealized Loss Position | $353亿 | $456亿 | -22.5% | $227亿 | $496亿 | -54.2% |
来源:SEC companyfacts(每份10-Q / 10-K的XBRL)。现金流量表的季度数据由10-Q标记的年初至今累计数推算。分部拆分带有维度标记,在分部章节中单独展示。
数据来源
报表、分部营收、指标、预期:Financial Modeling Prep。分部利润及全部披露项目:SEC EDGAR(XBRL)。 已读取的文件: 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
数据截至 2026-11-01