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.
Margin trend
Gross, operating and net margin. Margins are derived from reported dollars.
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.
| Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $5.4B | $5.6B | $5.5B | $5.7B | $5.9B | $6.1B | $6.2B | $6.9B |
| YoY | — | — | — | — | +8.9% | +9.1% | +13.1% | +21.4% |
| Cost of goods sold | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Research & development | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Selling, general & administrative | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Pretax income | $1.9B | $1.9B | $1.8B | $2.0B | $2.3B | $2.3B | $2.2B | $2.6B |
| YoY | — | — | — | — | +22.8% | +22.3% | +18.5% | +27.8% |
| Income tax | $357.0M | $278.0M | $347.0M | $381.0M | $465.0M | $296.0M | $415.0M | $531.0M |
| YoY | — | — | — | — | +30.3% | +6.5% | +19.6% | +39.4% |
| Net income | — | — | — | $1.6B | — | — | — | $2.0B |
| YoY | — | — | — | — | — | — | — | +25.4% |
| EPS — basic | $3.50 | — | $3.52 | $3.86 | $4.36 | — | $4.13 | $4.82 |
| YoY | — | — | — | — | +24.6% | — | +17.3% | +24.9% |
| EPS — diluted | $3.49 | — | $3.51 | $3.85 | $4.35 | — | $4.13 | $4.81 |
| YoY | — | — | — | — | +24.6% | — | +17.7% | +24.9% |
| Weighted shares — basic | 399.0M | — | 398.0M | 397.0M | 396.0M | — | 405.0M | 403.0M |
| Weighted shares — diluted | 400.0M | — | 398.0M | 397.0M | 396.0M | — | 405.0M | 403.0M |
Balance sheet
Point-in-time values at each quarter (or fiscal year) end.
| Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | |
|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Marketable securities (current) | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Accounts receivable | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Inventory | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Total current assets | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Total assets | $564.9B | $560.0B | $554.7B | $559.1B | $568.8B | $573.6B | $603.0B | $616.0B |
| YoY | — | — | — | — | +0.7% | +2.4% | +8.7% | +10.2% |
| Total current liabilities | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Total liabilities | $509.2B | $505.6B | $498.3B | $501.5B | $509.7B | $512.9B | $539.4B | $552.0B |
| YoY | — | — | — | — | +0.1% | +1.5% | +8.2% | +10.1% |
| Total equity | $55.7B | $54.4B | $56.4B | $57.6B | $59.0B | $60.6B | $63.6B | $64.0B |
| YoY | — | — | — | — | +5.9% | +11.3% | +12.8% | +11.1% |
| 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.
| Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $3.3B | $1.8B | $-509.0M | $1.5B | $2.7B | $757.0M | $1.9B | $2.1B |
| YoY | — | — | — | — | -19.2% | -57.9% | +478.8% | +45.1% |
| Capital expenditures | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Free cash flow | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Dividends paid | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Share repurchases | $130.0M | $221.0M | $262.0M | $336.0M | $334.0M | $406.0M | $796.0M | $622.0M |
| YoY | — | — | — | — | +156.9% | +83.7% | +203.8% | +85.1% |
Margins & ratios
Derived from the reported dollars above — no separate source.
| Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | |
|---|---|---|---|---|---|---|---|---|
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — |
| Net margin | — | — | — | 28.7% | — | — | — | 29.7% |
| Free cash flow margin | — | — | — | — | — | — | — | — |
| Effective tax rate | 19.2% | 14.6% | 18.8% | 18.8% | 20.3% | 12.7% | 19.0% | 20.5% |
| Current ratio | — | — | — | — | — | — | — | — |
| Total liabilities / equity | 9.14x | 9.29x | 8.83x | 8.70x | 8.64x | 8.47x | 8.48x | 8.62x |
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.