The PNC Financial Services Group, Inc. PNC NYSE

The PNC Financial Services Group, Inc. (PNC) reported moderate year-over-year revenue growth of +0.9% through 2025-12 (TTM revenue vs prior-year TTM). Net income showed solid earnings growth of +17.8% YoY, reaching $2.0B in the latest quarter. The net profit margin is 23.2%, which is high. The company has maintained profitability in all 4 quarters. The gross margin is 65.7% (high), up 6.4pp vs the prior year. With a $89B market cap, MOAT composite score of 84/100 (strong competitive position).

Criteria proven by this page:

• GROWTH (73/100, Partial) — growth is present but not consistently above 5% across both metrics
• PAST (100/100, Pass) — proving consistent earnings. Looking at the full 41-year annual history, the company was profitable in 41 of 41 years — a perfect long-term track record
• INCOME (85/100, Pass) — proves strong profitability and pricing power
• MOAT (84/100, Pass) — strong gross margins and market scale prove a durable competitive advantage

Overall SharesGrow Score: 65/100 with 4/7 criteria passed.