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PNC Financial Services（PNC）与皇家加勒比集团（RCL）财务数据对比。点击上方公司名可切换其他公司
PNC Financial Services的季度营收约是皇家加勒比集团的1.4倍（$6.1B vs $4.5B），PNC Financial Services净利率更高（33.5% vs 21.3%，领先12.1%），皇家加勒比集团同比增速更快（11.3% vs 9.1%），过去两年PNC Financial Services的营收复合增速更高（8.6% vs 4.1%）
PNC金融服务集团是总部位于美国宾夕法尼亚州匹兹堡的银行控股及金融服务企业，旗下PNC银行业务覆盖美国27个州及华盛顿哥伦比亚特区，共设有2629家营业网点和9523台ATM，按资产、网点数量、存款规模及ATM保有量计算，是美国规模最大的银行之一。
皇家加勒比集团前身为皇家加勒比邮轮有限公司，是仅次于嘉年华公司的全球第二大邮轮运营商。集团总部位于美国佛罗里达州迈阿密，在利比里亚注册，目前全资拥有皇家加勒比国际游轮、名人邮轮、银海邮轮三大品牌，还持有途易邮轮50%的股份。
PNC vs RCL — 直观对比
营收规模更大
PNC
是对方的1.4倍
$4.5B
营收增速更快
RCL
高出2.3%
9.1%
净利率更高
PNC
高出12.1%
21.3%
两年增速更快
PNC
近两年复合增速
4.1%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $6.1B | $4.5B |
| 净利润 | $2.0B | $950.0M |
| 毛利率 | — | — |
| 营业利润率 | 38.4% | 26.1% |
| 净利率 | 33.5% | 21.3% |
| 营收同比 | 9.1% | 11.3% |
| 净利润同比 | 25.0% | 29.1% |
| 每股收益（稀释后） | $4.88 | $3.48 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收PNCRCL
| Q1 26 | — | $4.5B | ||
| Q4 25 | $6.1B | $4.3B | ||
| Q3 25 | $5.9B | $5.1B | ||
| Q2 25 | $5.7B | $4.5B | ||
| Q1 25 | $5.5B | $4.0B | ||
| Q4 24 | $5.6B | $3.8B | ||
| Q3 24 | $5.4B | $4.9B | ||
| Q2 24 | $5.4B | $4.1B |
净利润PNCRCL
| Q1 26 | — | $950.0M | ||
| Q4 25 | $2.0B | $753.0M | ||
| Q3 25 | $1.8B | $1.6B | ||
| Q2 25 | $1.6B | $1.2B | ||
| Q1 25 | $1.5B | $730.0M | ||
| Q4 24 | $1.6B | $552.0M | ||
| Q3 24 | $1.5B | $1.1B | ||
| Q2 24 | $1.5B | $854.0M |
毛利率PNCRCL
| Q1 26 | — | — | ||
| Q4 25 | — | 47.4% | ||
| Q3 25 | — | 51.8% | ||
| Q2 25 | — | 49.7% | ||
| Q1 25 | — | 48.0% | ||
| Q4 24 | — | 45.4% | ||
| Q3 24 | — | 51.1% | ||
| Q2 24 | — | 47.6% |
营业利润率PNCRCL
| Q1 26 | — | 26.1% | ||
| Q4 25 | 38.4% | 21.9% | ||
| Q3 25 | 38.7% | 33.1% | ||
| Q2 25 | 35.8% | 29.3% | ||
| Q1 25 | 33.9% | 23.6% | ||
| Q4 24 | 34.2% | 16.6% | ||
| Q3 24 | 34.3% | 33.4% | ||
| Q2 24 | 33.6% | 26.7% |
净利率PNCRCL
| Q1 26 | — | 21.3% | ||
| Q4 25 | 33.5% | 17.7% | ||
| Q3 25 | 30.8% | 30.6% | ||
| Q2 25 | 29.0% | 26.7% | ||
| Q1 25 | 27.5% | 18.3% | ||
| Q4 24 | 29.2% | 14.7% | ||
| Q3 24 | 27.7% | 22.7% | ||
| Q2 24 | 27.3% | 20.8% |
每股收益（稀释后）PNCRCL
| Q1 26 | — | $3.48 | ||
| Q4 25 | $4.88 | $2.76 | ||
| Q3 25 | $4.35 | $5.74 | ||
| Q2 25 | $3.85 | $4.41 | ||
| Q1 25 | $3.51 | $2.70 | ||
| Q4 24 | $3.76 | $2.27 | ||
| Q3 24 | $3.49 | $4.21 | ||
| Q2 24 | $3.39 | $3.11 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | — | $512.0M |
| 总债务越低越好 | $57.1B | $21.1B |
| 股东权益账面价值 | $60.6B | $10.0B |
| 总资产 | $573.6B | $42.0B |
| 负债/权益比越低杠杆越低 | 0.94× | 2.11× |
8季度趋势，按日历期对齐
现金及短期投资PNCRCL
| Q1 26 | — | $512.0M | ||
| Q4 25 | — | $825.0M | ||
| Q3 25 | — | $432.0M | ||
| Q2 25 | — | $735.0M | ||
| Q1 25 | — | $386.0M | ||
| Q4 24 | — | $388.0M | ||
| Q3 24 | — | $418.0M | ||
| Q2 24 | — | $391.0M |
总债务PNCRCL
| Q1 26 | — | $21.1B | ||
| Q4 25 | $57.1B | $18.2B | ||
| Q3 25 | $62.3B | $17.2B | ||
| Q2 25 | $60.4B | $17.6B | ||
| Q1 25 | $60.7B | $18.0B | ||
| Q4 24 | $61.7B | $18.5B | ||
| Q3 24 | $68.1B | $19.0B | ||
| Q2 24 | $71.4B | $19.8B |
股东权益PNCRCL
| Q1 26 | — | $10.0B | ||
| Q4 25 | $60.6B | $10.0B | ||
| Q3 25 | $59.0B | $10.1B | ||
| Q2 25 | $57.6B | $9.2B | ||
| Q1 25 | $56.4B | $8.0B | ||
| Q4 24 | $54.4B | $7.6B | ||
| Q3 24 | $55.7B | $7.0B | ||
| Q2 24 | $52.6B | $6.0B |
总资产PNCRCL
| Q1 26 | — | $42.0B | ||
| Q4 25 | $573.6B | $41.6B | ||
| Q3 25 | $568.8B | $40.1B | ||
| Q2 25 | $559.1B | $38.5B | ||
| Q1 25 | $554.7B | $37.5B | ||
| Q4 24 | $560.0B | $37.1B | ||
| Q3 24 | $564.9B | $37.1B | ||
| Q2 24 | $556.5B | $37.0B |
负债/权益比PNCRCL
| Q1 26 | — | 2.11× | ||
| Q4 25 | 0.94× | 1.81× | ||
| Q3 25 | 1.06× | 1.70× | ||
| Q2 25 | 1.05× | 1.92× | ||
| Q1 25 | 1.08× | 2.26× | ||
| Q4 24 | 1.13× | 2.44× | ||
| Q3 24 | 1.22× | 2.69× | ||
| Q2 24 | 1.36× | 3.29× |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $757.0M | $1.8B |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | 0.37× | 1.93× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流PNCRCL
| Q1 26 | — | $1.8B | ||
| Q4 25 | $757.0M | $1.6B | ||
| Q3 25 | $2.7B | $1.5B | ||
| Q2 25 | $1.5B | $1.7B | ||
| Q1 25 | $-509.0M | $1.6B | ||
| Q4 24 | $1.8B | $1.5B | ||
| Q3 24 | $3.3B | $897.0M | ||
| Q2 24 | $1.0B | $1.6B |
自由现金流PNCRCL
| Q1 26 | — | — | ||
| Q4 25 | — | $116.0M | ||
| Q3 25 | — | $-989.0M | ||
| Q2 25 | — | $910.0M | ||
| Q1 25 | — | $1.2B | ||
| Q4 24 | — | $915.0M | ||
| Q3 24 | — | $563.0M | ||
| Q2 24 | — | $-567.0M |
自由现金流率PNCRCL
| Q1 26 | — | — | ||
| Q4 25 | — | 2.7% | ||
| Q3 25 | — | -19.2% | ||
| Q2 25 | — | 20.1% | ||
| Q1 25 | — | 30.0% | ||
| Q4 24 | — | 24.3% | ||
| Q3 24 | — | 11.5% | ||
| Q2 24 | — | -13.8% |
资本支出强度PNCRCL
| Q1 26 | — | — | ||
| Q4 25 | — | 35.4% | ||
| Q3 25 | — | 47.8% | ||
| Q2 25 | — | 18.4% | ||
| Q1 25 | — | 10.7% | ||
| Q4 24 | — | 14.7% | ||
| Q3 24 | — | 6.8% | ||
| Q2 24 | — | 52.1% |
现金转化率PNCRCL
| Q1 26 | — | 1.93× | ||
| Q4 25 | 0.37× | 2.16× | ||
| Q3 25 | 1.46× | 0.93× | ||
| Q2 25 | 0.90× | 1.44× | ||
| Q1 25 | -0.34× | 2.23× | ||
| Q4 24 | 1.11× | 2.66× | ||
| Q3 24 | 2.18× | 0.81× | ||
| Q2 24 | 0.70× | 1.84× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
PNC
| Corporate Institutional Banking Segment | $3.0B | 50% |
| Other | $2.5B | 42% |
| Interchange Fees | $181.0M | 3% |
| Asset Management Fees And Brokerage Fees | $155.0M | 3% |
| Net Credit Card Fees | $59.0M | 1% |
| Merchant Fees | $32.0M | 1% |
| Commercial And Residential Mortgage Banking Fees | $25.0M | 0% |
| Cash And Cash Management Fees Other | $20.0M | 0% |
| Lending And Deposit Services Other | $18.0M | 0% |
| Treasury Management Fees | $10.0M | 0% |
RCL
| Passenger ticket revenues | $3.0B | 68% |
| Onboard and other revenues | $1.4B | 32% |
