PCARHIGH SIGNALFINANCIAL10-K

PACCAR experienced a substantial decline in net income alongside meaningful revenue contraction, while cash reserves grew significantly and market share declined across key segments.

The combination of materially lower profitability and revenue decline suggests PACCAR faced significant operational headwinds in 2025, potentially from weakening demand in commercial trucking markets or margin compression. However, the company's strong cash position provides financial flexibility to navigate the downturn and potentially pursue strategic investments or acquisitions during this challenging period.

Comparing 2026-02-18 vs 2025-02-19View on EDGAR →
FINANCIAL ANALYSIS

PACCAR's financial performance deteriorated meaningfully in 2025, with net income declining substantially from $4.2B to $2.4B while revenue contracted 15.5% to $28.4B. Despite these operating challenges, the company's balance sheet remained robust with cash and equivalents growing 45% to $3.4B and stockholders' equity increasing 10% to $19.3B. The operational data reveals market share erosion in both Class 8 (30.7% to 29.9%) and medium-duty segments (18.0% to 15.9%), while PACCAR engine penetration in company trucks declined from 33% to 29%, suggesting competitive pressures across the business.

FINANCIAL STATEMENT CHANGES
Cash & Equivalents
Balance Sheet
+45.3%
$2.4B$3.4B

Cash position surged 45.3% — strong cash generation or capital raise providing significant financial cushion.

Net Income
P&L
-42.9%
$4.2B$2.4B

Net income declined 42.9% — review whether driven by operations, interest costs, or non-recurring items.

Provision for Credit Losses
P&L
-35.5%
$20.0M$12.9M

Provisions reduced 35.5% — improving credit quality or reserve release boosting reported earnings.

Revenue
P&L
-15.5%
$33.7B$28.4B

Revenue softened 15.5% — monitor whether this is cyclical or structural.

Stockholders Equity
Balance Sheet
+10%
$17.5B$19.3B

Equity base grew 10% — retained earnings accumulation or equity issuance strengthening the balance sheet.

LANGUAGE CHANGES
NEW — 2026-02-18
PRIOR — 2025-02-19
ADDED
As of January 31, 2026, there were 525,894,443 shares of common stock, $1 par value, of the registrant outstanding.
These trucks are assembled at facilities in Chillicothe, Ohio; Denton, Texas; Renton, Washington; Mexicali, Mexico and Ste.
Therese, Canada; Chillicothe, Ohio; Denton, Texas and Mexicali, Mexico.
Commercial truck manufacturing comprises the largest segment of PACCAR s business and accounted for 68% of total 2025 net sales and revenues.
In 2025, the Company installed PACCAR engines in approximately 29% of the Company s Kenworth and Peterbilt heavy-duty trucks in the U.S.
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REMOVED
As of January 31, 2025, there were 524,802,603 shares of common stock, $1 par value, of the registrant outstanding.
PACCAR's Other business included the manufacturing and marketing of industrial winches through October 31, 2024, when PACCAR sold 100% of the capital stock of PACCAR Winch Inc.
These trucks are assembled at facilities in Chillicothe, Ohio; Denton, Texas; Renton, Washington and Mexicali, Mexico.
Commercial truck manufacturing comprises the largest segment of PACCAR s business and accounted for 74% of total 2024 net sales and revenues.
In 2024, the Company installed PACCAR engines in approximately 33% of the Company s Kenworth and Peterbilt heavy duty trucks in the U.S.
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