PNC vs USB
PNC Financial Services Group, Inc. and US Bancorp \de\, side by side — 10 fiscal years reported in USD, drawn from SEC filings.
At a glance
Most recent reported year
| Metric | PNC | USB |
|---|---|---|
| Revenue | $23.1B | $28.7B |
| Net income | $7.0B | $7.6B |
| Gross margin | — | — |
| Net margin | 30.3% | 26.4% |
| Return on equity | 12.2% | 12.2% |
| Diluted EPS | $16.59 | $4.62 |
| Dividend / share | $6.60 | $2.04 |
| Payout ratio | 37.7% | 41.8% |
| Free cash flow | — | — |
| Equity | $60.6B | $65.2B |
| Net debt / equity | 0.29× | 0.48× |
| Current ratio | — | — |
| Revenue CAGR 5y | 6.4% | — |
| Profit CAGR 5y | −1.5% | 8.8% |
USB bills 1.2× the revenue of PNC, and PNC keeps more of each dollar of revenue as profit (30.3% against 26.4%).
The stronger figure of the pair is set in bold. That is arithmetic, not a recommendation — this page does not pick a winner.
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Revenue by year
10 years side by side
| Fiscal year | PNC | USB |
|---|---|---|
| FY2025 | $23.1B | $28.7B |
| FY2024 | $21.6B | $27.5B |
| FY2023 | $21.5B | $28.1B |
| FY2022 | $21.1B | $24.3B |
| FY2018 | $16.2B | $22.6B |
| FY2017 | $16.3B | $21.9B |
| FY2016 | $15.2B | $21.3B |
| FY2015 | $15.2B | $20.3B |
| FY2014 | $15.4B | $20.2B |
| FY2013 | $16.0B | $19.6B |
Net income by year
Bottom line
| Fiscal year | PNC | USB |
|---|---|---|
| FY2025 | $7.0B | $7.6B |
| FY2024 | $6.0B | $6.3B |
| FY2023 | $5.6B | $5.4B |
| FY2022 | $6.1B | $5.8B |
| FY2018 | $5.3B | $7.1B |
| FY2017 | $5.4B | $6.2B |
| FY2016 | $4.0B | $5.9B |
| FY2015 | $4.1B | $5.9B |
| FY2014 | $4.2B | $5.9B |
| FY2013 | $4.2B | $5.8B |
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