Debt-to-Equity Ratio

The debt-to-equity ratio measures how much a company uses borrowed money versus shareholder equity to finance its assets; PNC’s current ratio of 1.05x means its debt is slightly higher than its equity.

This is well above the sector median of 0.41x, placing PNC in the 78th percentile among its financial-services peers, indicating higher leverage relative to the industry. The ratio has been perfectly stable over the last eight quarters, with a year-over-year change of +0.0% and a quarter-over-quarter change of +0.0%. The combination of an elevated level and a flat trend suggests that while leverage is above the sector norm, the lack of movement means the risk profile is not actively deteriorating or improving. This stability supports the overall NEUTRAL verdict, as the metric does not signal a clear positive or negative shift, but the higher-than-peer leverage warrants caution.

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