Revenue vs Net income
Reported dollars from 10-Q / 10-K filings. Q4 bars are derived (annual less nine months) where the 10-K does not tag Q4 separately.
Revenue YoY growth
Year-over-year change vs the same quarter (or fiscal year) a year earlier. Shown where the prior-year period is in the 8-quarter snapshot (latest four quarters).
Income statement
From 10-Q / 10-K XBRL. Values in reported dollars; EPS in $/share; share counts in shares.
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Revenue | $19.2B | $21.1B | $21.5B | $21.6B | $23.1B |
| YoY | — | +9.9% | +1.8% | +0.3% | +7.2% |
| Cost of goods sold | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Research & development | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Selling, general & administrative | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Pretax income | $7.0B | $7.5B | $6.7B | $7.2B | $8.5B |
| YoY | — | +6.9% | -9.9% | +7.5% | +17.2% |
| Income tax | $1.3B | $1.4B | $1.1B | $1.3B | $1.5B |
| YoY | — | +7.7% | -19.9% | +18.4% | +15.5% |
| Net income | — | — | — | — | — |
| YoY | — | — | — | — | — |
| EPS — basic | $12.71 | $13.86 | $12.80 | $13.76 | $16.60 |
| YoY | — | +9.0% | -7.6% | +7.5% | +20.6% |
| EPS — diluted | $12.70 | $13.85 | $12.79 | $13.74 | $16.59 |
| YoY | — | +9.1% | -7.7% | +7.4% | +20.7% |
| Weighted shares — basic | 426.0M | 412.0M | 401.0M | 399.0M | 396.0M |
| Weighted shares — diluted | 426.0M | 412.0M | 401.0M | 400.0M | 396.0M |
Balance sheet
Point-in-time values at each quarter (or fiscal year) end.
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Cash & equivalents | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Marketable securities (current) | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Accounts receivable | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Inventory | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Total current assets | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Total assets | $557.2B | $557.3B | $561.6B | $560.0B | $573.6B |
| YoY | — | +0.0% | +0.8% | -0.3% | +2.4% |
| Total current liabilities | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Total liabilities | $501.5B | $511.5B | $510.4B | $505.6B | $512.9B |
| YoY | — | +2.0% | -0.2% | -1.0% | +1.5% |
| Total equity | $55.7B | $45.8B | $51.1B | $54.4B | $60.6B |
| YoY | — | -17.8% | +11.6% | +6.5% | +11.3% |
| Shares outstanding | — | — | — | — | — |
| YoY | — | — | — | — | — |
Cash flow
Quarterly values derived from year-to-date filings (Q4 from the 10-K). Free cash flow = operating cash flow − capital expenditures.
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Operating cash flow | $7.2B | $9.1B | $10.1B | $7.9B | $4.4B |
| YoY | — | +25.9% | +11.3% | -22.1% | -44.4% |
| Capital expenditures | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Free cash flow | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Dividends paid | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Share repurchases | $1.1B | $3.7B | $651.0M | $687.0M | $1.3B |
| YoY | — | +245.8% | -82.6% | +5.5% | +94.8% |
Margins & ratios
Derived from the reported dollars above — no separate source.
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Gross margin | — | — | — | — | — |
| Operating margin | — | — | — | — | — |
| Net margin | — | — | — | — | — |
| Free cash flow margin | — | — | — | — | — |
| Effective tax rate | 18.1% | 18.2% | 16.2% | 17.8% | 17.5% |
| Current ratio | — | — | — | — | — |
| Total liabilities / equity | 9.00x | 11.17x | 9.99x | 9.29x | 8.47x |
Peer comparison — latest full year
Same sector (Financials), sorted by revenue. All figures from the same EDGAR XBRL snapshot.
| Ticker | Revenue | Revenue YoY | Gross margin | Operating margin | Net margin | FCF margin |
|---|---|---|---|---|---|---|
| PNC FY25 · this stock | $23.1B | +7.2% | — | — | — | — |
| JPM FY25 | $182.4B | +2.8% | — | — | 31.3% | — |
| BAC FY25 | $113.1B | +6.8% | — | — | 27.0% | — |
| PGR FY25 | $87.7B | +16.3% | — | — | 12.9% | 19.6% |
| C FY25 | $85.2B | +5.6% | — | — | 16.8% | -87.0% |
| WFC FY25 | $83.7B | +1.7% | — | — | 25.5% | — |
| MS FY25 | $70.6B | +14.4% | — | — | 23.9% | — |
| CB FY25 | $59.4B | +6.5% | — | — | 17.4% | — |
| GS FY25 | $58.3B | +8.9% | — | — | 29.5% | -81.0% |
| AXP FY25 | $41.3B | +6.4% | — | — | 26.2% | 38.7% |
| V FY25 | $40.0B | +11.3% | — | 60.0% | 50.1% | — |
Source: SEC EDGAR XBRL company facts (10-Q / 10-K), snapshot generated 2026-11-03 for 218 tickers. Q4 values are derived as the 10-K annual less the first nine months, since Q4 is not separately tagged in company facts; cash-flow quarterly values are derived from year-to-date filings the same way. Free cash flow = operating cash flow − capital expenditures. Blank cells mean the filing does not report that line item under a standard US-GAAP tag — nothing is estimated or filled in. Descriptive research, not investment advice. How EarnIQ builds fundamentals.