The PNC Financial Services Group, Inc. (PNC) Earnings History
Annual and quarterly earnings data from 1989 to 2024
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PNC EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
PNC Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2024 | 59.4% | 21.5% | 17.5% |
| 2023 | 65.0% | 21.1% | 17.5% |
| 2022 | 87.7% | 31.8% | 25.7% |
| 2021 | 101.5% | 35.5% | 28.8% |
| 2020 | 75.2% | 18.8% | 41.2% |
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The PNC Financial Services Group, Inc. (PNC) Earnings Overview
As of May 8, 2026, The PNC Financial Services Group, Inc. (PNC) reported trailing twelve-month net income of $6.53B, reflecting +7.4% year-over-year growth. The company earned $16.48 per diluted share over the past four quarters, with a net profit margin of 17.5%.
Looking at the long-term picture, PNC's 5-year EPS compound annual growth rate (CAGR) stands at +3.8%, reflecting modest earnings expansion. The company achieved its highest annual net income of $7.52B in fiscal 2020.
The PNC Financial Services Group, Inc. maintains industry-leading profitability with a gross margin of 59.4%, operating margin of 21.5%, and net margin of 17.5%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including USB ($7.58B net income, 17.7% margin), TFC ($5.23B net income, 19.9% margin), RF ($2.16B net income, 22.4% margin), PNC has room to improve margins relative to the peer group. Compare PNC vs USB →
PNC Earnings vs Peers
Earnings metrics vs comparable public companies
PNC Historical Earnings Data (1989–2024)
36 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2024 | $5.89B | +5.6% | $7.24B | $13.74 | 17.5% | 21.5% |
| 2023 | $5.58B | -7.7% | $6.74B | $12.79 | 17.5% | 21.1% |
| 2022 | $6.04B | +6.5% | $7.47B | $13.85 | 25.7% | 31.8% |
| 2021 | $5.67B | -24.5% | $6.99B | $12.70 | 28.8% | 35.5% |
| 2020 | $7.52B | +40.0% | $3.43B | $6.36 | 41.2% | 18.8% |
| 2019 | $5.37B | +1.3% | $5.49B | $11.39 | 26.0% | 26.6% |
| 2018 | $5.30B | -0.7% | $5.49B | $10.71 | 27.8% | 28.8% |
| 2017 | $5.34B | +36.8% | $5.49B | $10.36 | 29.6% | 30.4% |
| 2016 | $3.90B | -4.9% | $5.25B | $7.30 | 23.8% | 32.0% |
| 2015 | $4.11B | -1.9% | $5.51B | $7.39 | 25.2% | 33.8% |
Full PNC Stock Analysis
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Start ComparisonPNC — Frequently Asked Questions
Quick answers to the most common questions about buying PNC stock.
Is PNC growing earnings?
PNC EPS stands at $16.48, with +7.4% growth matching the 5-year CAGR of +3.8%. TTM net income is $6.5B. Earnings trajectory remains consistent.
What are PNC's profit margins?
The PNC Financial Services Group, Inc. net margin is +17.5%, with operating margin at +21.5%. Above-average margins indicate pricing power.
How consistent are PNC's earnings?
PNC earnings data spans 1989-2024. The current earnings trend is +7.4% YoY. Historical data enables comparison across business cycles.