PNCNEUTRAL

PNC Debt-to-Equity Ratio Analysis

1.34x

Updated 299h ago·SEC filings & market data

Key Takeaway

The debt-to-equity ratio measures how much debt a company uses relative to shareholders' equity; PNC's 1.34x means it has $1.34 of debt for every $1 of equity.

Sector Performance

73th percentile

PNC

1.34x

Sector Median

0.74x

Sector Avg

2.52x

Prior Period

1.05x(Aug 2026)

↓ Declining

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Deep Analysis

The debt-to-equity ratio measures how much debt a company uses relative to shareholders' equity; PNC's 1.34x means it has $1.34 of debt for every $1 of equity.

That level is above the sector median of 0.74x, placing PNC in the 74th percentile of peers, so leverage is higher than most. Year-over-year change is not available, but quarter-over-quarter the ratio rose 27.6%, from 1.05x to 1.34x. The trend data covers only these two points, so a sustained direction cannot be confirmed. The combination of a high leverage level and a sharp quarterly increase suggests added financial risk, though for a bank such ratios often reflect balance-sheet structure rather than distress. This metric contradicts the overall NEUTRAL verdict, as the elevated and rising debt-to-equity ratio points to greater risk than peers. However, the neutral verdict remains based on the broader metric set, while this single measure leans negative.

Frequently Asked Questions

What does the Debt-to-Equity Ratio tell investors about PNC?

Shows how much a company is financing its operations through debt vs shareholder funds. High D/E can amplify returns — and losses.

How is the Debt-to-Equity Ratio calculated?

Debt-to-Equity Ratio is calculated as: Total Debt / Shareholders' Equity.

Who are PNC's closest peers by Debt-to-Equity Ratio?

The closest peers by Debt-to-Equity Ratio include: W (-1.00x), MSCI (-2.37x), SBAC (-2.75x), LCID (-3.08x), TDG (-3.41x).

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Learn More About Debt-to-Equity Ratio

How to Spot a Debt Problem Before It Hits the Stock Price

Learn how to spot a debt problem in stocks using D/E, interest coverage, and net debt/EBITDA ratios. Real examples from META and MSFT, plus danger thresholds you need to know.

Debt/Equity Ratio: How Much Debt Is Too Much?

The debt to equity ratio explained: why context, interest coverage, and sector norms matter far more than the raw number when assessing debt risk.

The Formula

Total Debt / Shareholders' Equity

Why It Matters

Shows how much a company is financing its operations through debt vs shareholder funds. High D/E can amplify returns — and losses.