Direct Answer
PNC Financial Services's fiscal 2025 filings show liabilities equal 89% of assets. These figures measure financial risk only; the business risks PNC Financial Services itself considers material are listed under Item 1A, Risk Factors, of its Form 10-K, most recently filed February 20, 2026.
What Do PNC Financial Services's Financial Risk Indicators Show?
| Indicator (fiscal 2025) | PNC Financial Services | Peer median (same SIC code) | What it measures |
|---|---|---|---|
| Liabilities to assets | 89% | 91% | How much of the balance sheet is funded by obligations rather than equity. |
| Current ratio | n/a | n/a | Short-term assets per dollar of obligations due within a year. |
| Interest coverage | n/a | n/a | Operating income per dollar of interest expense. |
| Long-term debt to operating cash flow | 13.0x | 4.5x | Years of operating cash flow it would take to repay long-term debt. |
| Net debt | $17.4 billion | n/a | Long-term debt minus cash; negative means more cash than long-term debt. |
The peer median uses 21 other companies in Swoopr's S&P 500 Equal Weight set that share the same SEC SIC code. A reading worse than the peer median is a prompt to read the filing, not a conclusion.
Where Are PNC Financial Services's Official Risk Factors?
The risks PNC Financial Services considers material are disclosed in Item 1A of its Form 10-K, most recently filed February 20, 2026. Read them with three questions in mind: which risks are specific to this company rather than generic, which have changed since the prior year's filing, and which connect to the figures above (a refinancing risk matters more when interest coverage is thin).
Where These Numbers Come From
Every figure on this page is a value PNC Financial Services reported in its own SEC filings, read from the SEC's XBRL data (accession 0000713676-26-000020 for fiscal year 2025). Ratios are computed from those reported values. Figures were retrieved on October 7, 2026; a later amendment or a new annual report can change them, and the filing itself always takes precedence over this summary.
Each fiscal year is labeled by the calendar year in which it ended, so a company that names the same period differently in its own filings (many retailers whose year ends in January) may use another label. A year is left out of the table when the SEC data set holds no value for it. A figure shown as "Not reported" means the company did not file a value under the standard tag Swoopr reads, not that the amount was zero. This page is educational and describes reported history only; it is not a forecast or a recommendation.
Frequently Asked Questions
Is PNC Financial Services highly leveraged?
At the end of fiscal 2025, PNC Financial Services's total liabilities were 89% of total assets, against a peer median of 91%. Leverage that is normal for one industry (banks, utilities) can be high for another.
Where are PNC Financial Services's official risk factors?
In Item 1A, Risk Factors, of its annual report on Form 10-K, most recently filed with the SEC on February 20, 2026. The company lists the risks it considers material there; the measures on this page only quantify the financial side.
Can PNC Financial Services pay its interest?
PNC Financial Services did not report interest expense under the standard tags for fiscal 2025, so interest coverage is not computed here; its income statement and debt footnote show the details.