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PNC Financial Services（PNC）与泰科电子（TEL）财务数据对比。点击上方公司名可切换其他公司
PNC Financial Services的季度营收约是泰科电子的1.3倍（$6.1B vs $4.7B），PNC Financial Services净利率更高（33.5% vs 16.1%，领先17.4%），泰科电子同比增速更快（21.7% vs 9.1%），过去两年PNC Financial Services的营收复合增速更高（8.6% vs 8.5%）
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。
TE Connectivity（泰科电子）是一家注册地涵盖美国与爱尔兰的科技企业，专注于电气及电子元器件的设计与制造，产品广泛应用于汽车、航空航天、国防、医疗、能源等多个行业，可为不同领域客户提供高性能连接解决方案。
PNC vs TEL — 直观对比
营收规模更大
PNC
是对方的1.3倍
$4.7B
营收增速更快
TEL
高出12.7%
9.1%
净利率更高
PNC
高出17.4%
16.1%
两年增速更快
PNC
近两年复合增速
8.5%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $6.1B | $4.7B |
| 净利润 | $2.0B | $750.0M |
| 毛利率 | — | 37.2% |
| 营业利润率 | 38.4% | 20.6% |
| 净利率 | 33.5% | 16.1% |
| 营收同比 | 9.1% | 21.7% |
| 净利润同比 | 25.0% | 42.0% |
| 每股收益（稀释后） | $4.88 | $2.53 |
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PNCTEL
| Q4 25 | $6.1B | $4.7B | ||
| Q3 25 | $5.9B | $4.7B | ||
| Q2 25 | $5.7B | $4.5B | ||
| Q1 25 | $5.5B | $4.1B | ||
| Q4 24 | $5.6B | $3.8B | ||
| Q3 24 | $5.4B | $4.1B | ||
| Q2 24 | $5.4B | $4.0B | ||
| Q1 24 | $5.1B | $4.0B |
净利润PNCTEL
| Q4 25 | $2.0B | $750.0M | ||
| Q3 25 | $1.8B | $663.0M | ||
| Q2 25 | $1.6B | $638.0M | ||
| Q1 25 | $1.5B | $13.0M | ||
| Q4 24 | $1.6B | $528.0M | ||
| Q3 24 | $1.5B | $276.0M | ||
| Q2 24 | $1.5B | $573.0M | ||
| Q1 24 | $1.3B | $541.0M |
毛利率PNCTEL
| Q4 25 | — | 37.2% | ||
| Q3 25 | — | 35.0% | ||
| Q2 25 | — | 35.3% | ||
| Q1 25 | — | 35.2% | ||
| Q4 24 | — | 35.5% | ||
| Q3 24 | — | 34.0% | ||
| Q2 24 | — | 34.8% | ||
| Q1 24 | — | 34.4% |
营业利润率PNCTEL
| Q4 25 | 38.4% | 20.6% | ||
| Q3 25 | 38.7% | 19.3% | ||
| Q2 25 | 35.8% | 18.9% | ||
| Q1 25 | 33.9% | 18.1% | ||
| Q4 24 | 34.2% | 18.0% | ||
| Q3 24 | 34.3% | 16.0% | ||
| Q2 24 | 33.6% | 19.0% | ||
| Q1 24 | 32.2% | 17.4% |
净利率PNCTEL
| Q4 25 | 33.5% | 16.1% | ||
| Q3 25 | 30.8% | 14.0% | ||
| Q2 25 | 29.0% | 14.1% | ||
| Q1 25 | 27.5% | 0.3% | ||
| Q4 24 | 29.2% | 13.8% | ||
| Q3 24 | 27.7% | 6.8% | ||
| Q2 24 | 27.3% | 14.4% | ||
| Q1 24 | 26.1% | 13.6% |
每股收益（稀释后）PNCTEL
| Q4 25 | $4.88 | $2.53 | ||
| Q3 25 | $4.35 | $2.23 | ||
| Q2 25 | $3.85 | $2.14 | ||
| Q1 25 | $3.51 | $0.04 | ||
| Q4 24 | $3.76 | $1.75 | ||
| Q3 24 | $3.49 | $0.96 | ||
| Q2 24 | $3.39 | $1.86 | ||
| Q1 24 | $3.10 | $1.75 |
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 | — | $1.3B |
| 总债务越低越好 | $57.1B | — |
| 股东权益账面价值 | $60.6B | $13.0B |
| 总资产 | $573.6B | $25.6B |
| 负债/权益比越低杠杆越低 | 0.94× | — |
8季度趋势，按日历期对齐
现金及短期投资PNCTEL
| Q4 25 | — | $1.3B | ||
| Q3 25 | — | $1.3B | ||
| Q2 25 | — | $672.0M | ||
| Q1 25 | — | $2.6B | ||
| Q4 24 | — | $1.3B | ||
| Q3 24 | — | $1.3B | ||
| Q2 24 | — | $1.5B | ||
| Q1 24 | — | $1.2B |
总债务PNCTEL
| Q4 25 | $57.1B | — | ||
| Q3 25 | $62.3B | — | ||
| Q2 25 | $60.4B | — | ||
| Q1 25 | $60.7B | — | ||
| Q4 24 | $61.7B | — | ||
| Q3 24 | $68.1B | — | ||
| Q2 24 | $71.4B | — | ||
| Q1 24 | $72.7B | — |
股东权益PNCTEL
| Q4 25 | $60.6B | $13.0B | ||
| Q3 25 | $59.0B | $12.6B | ||
| Q2 25 | $57.6B | $12.4B | ||
| Q1 25 | $56.4B | $12.1B | ||
| Q4 24 | $54.4B | $12.4B | ||
| Q3 24 | $55.7B | $12.4B | ||
| Q2 24 | $52.6B | $12.6B | ||
| Q1 24 | $51.3B | $12.4B |
总资产PNCTEL
| Q4 25 | $573.6B | $25.6B | ||
| Q3 25 | $568.8B | $25.1B | ||
| Q2 25 | $559.1B | $24.9B | ||
| Q1 25 | $554.7B | $23.7B | ||
| Q4 24 | $560.0B | $22.4B | ||
| Q3 24 | $564.9B | $22.9B | ||
| Q2 24 | $556.5B | $22.9B | ||
| Q1 24 | $566.2B | $22.8B |
负债/权益比PNCTEL
| Q4 25 | 0.94× | — | ||
| Q3 25 | 1.06× | — | ||
| Q2 25 | 1.05× | — | ||
| Q1 25 | 1.08× | — | ||
| Q4 24 | 1.13× | — | ||
| Q3 24 | 1.22× | — | ||
| Q2 24 | 1.36× | — | ||
| Q1 24 | 1.42× | — |
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 | $865.0M |
| 自由现金流经营现金流 - 资本支出 | — | $607.0M |
| 自由现金流率自由现金流/营收 | — | 13.0% |
| 资本支出强度资本支出/营收 | — | 5.5% |
| 现金转化率经营现金流/净利润 | 0.37× | 1.15× |
| 过去12个月自由现金流最近4个季度 | — | $3.1B |
8季度趋势，按日历期对齐
经营现金流PNCTEL
| Q4 25 | $757.0M | $865.0M | ||
| Q3 25 | $2.7B | $1.4B | ||
| Q2 25 | $1.5B | $1.2B | ||
| Q1 25 | $-509.0M | $653.0M | ||
| Q4 24 | $1.8B | $878.0M | ||
| Q3 24 | $3.3B | $1.0B | ||
| Q2 24 | $1.0B | $1.0B | ||
| Q1 24 | $1.8B | $710.0M |
自由现金流PNCTEL
| Q4 25 | — | $607.0M | ||
| Q3 25 | — | $1.1B | ||
| Q2 25 | — | $957.0M | ||
| Q1 25 | — | $423.0M | ||
| Q4 24 | — | $673.0M | ||
| Q3 24 | — | $829.0M | ||
| Q2 24 | — | $857.0M | ||
| Q1 24 | — | $543.0M |
自由现金流率PNCTEL
| Q4 25 | — | 13.0% | ||
| Q3 25 | — | 24.2% | ||
| Q2 25 | — | 21.1% | ||
| Q1 25 | — | 10.2% | ||
| Q4 24 | — | 17.5% | ||
| Q3 24 | — | 20.4% | ||
| Q2 24 | — | 21.5% | ||
| Q1 24 | — | 13.7% |
资本支出强度PNCTEL
| Q4 25 | — | 5.5% | ||
| Q3 25 | — | 5.7% | ||
| Q2 25 | — | 5.1% | ||
| Q1 25 | — | 5.6% | ||
| Q4 24 | — | 5.3% | ||
| Q3 24 | — | 5.2% | ||
| Q2 24 | — | 3.7% | ||
| Q1 24 | — | 4.2% |
现金转化率PNCTEL
| Q4 25 | 0.37× | 1.15× | ||
| Q3 25 | 1.46× | 2.14× | ||
| Q2 25 | 0.90× | 1.86× | ||
| Q1 25 | -0.34× | 50.23× | ||
| Q4 24 | 1.11× | 1.66× | ||
| Q3 24 | 2.18× | 3.78× | ||
| Q2 24 | 0.70× | 1.76× | ||
| Q1 24 | 1.31× | 1.31× |
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% |
TEL
| Automotive Industry End Market | $1.9B | 40% |
| Digital Data Networks | $707.0M | 15% |
| Automation And Connected Living Industry End Market | $549.0M | 12% |
| Energy Industry End Market | $406.0M | 9% |
| Aerospace Defense And Marine Industry End Market | $381.0M | 8% |
| Commercial Transportation Industry End Market | $370.0M | 8% |
| Sensors Industry End Market | $212.0M | 5% |
| Medical Industry End Market | $159.0M | 3% |
