PNC Financial Services (PNC) FY2025 10-K Annual Report
PNC Financial Services (PNC) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 20, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
PNC Financial Services FY2025 10-K Analysis
Business Overview
- • Core business: diversified financial services including retail and corporate banking, asset management, and wealth management
- • No new products or segments introduced; emphasis on equity compensation plans with 5.5 million securities issuable under options and 8.9 million shares available for future issuance
Management Discussion & Analysis
- • Revenue: Net interest income $14,527M in 2025, up $897M YoY from $13,630M in 2024
- • Profitability: Net interest margin 2.83% in 2025 vs 2.66% in 2024
Risk Factors
- • Regulatory risk from evolving deposit beta assumptions amidst Federal Funds rate changes since Aug 2024, impacting interest rate risk modeling
- • Macroeconomic threat of 200 bps interest rate shocks affecting Net Interest Income by +2.0% (increase) and -2.9% (decrease) as of Dec 31, 2025
PNC Financial Services FY2025 Key Financial MetricsXBRL
Revenue
$23.1B
▲ +7.2% YoY
Net Income
$6.6B
▲ +19.7% YoY
Net Margin
28.5%
▲ +297bp YoY
ROE
10.9%
▲ +76bp YoY
Total Assets
$573.6B
▲ +2.4% YoY
EPS (Diluted)
$16.59
▲ +20.7% YoY
Operating Cash Flow
$4.4B
▼ -44.4% YoY
Source: XBRL data from PNC Financial Services FY2025 10-K filing on SEC EDGAR. All figures in USD.
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