The PNC Financial Services Group, Inc. (PNC) Earnings History
Elite Compounder37 years of earnings data (1989–2025) · 5-year EPS CAGR exceeds 18% — top-tier earnings quality
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The PNC Financial Services Group, Inc. (PNC) Earnings Overview
As of June 22, 2026, The PNC Financial Services Group, Inc. (PNC) reported trailing twelve-month net income of $6.94B, reflecting +20.7% year-over-year growth. The company earned $17.60 per diluted share over the past four quarters, with a net profit margin of 22.1%.
Looking at the long-term picture, PNC's 5-year EPS compound annual growth rate (CAGR) stands at +21.1%, indicating exceptional earnings growth. 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 71.7%, operating margin of 27.1%, and net margin of 22.1%. 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 ($5.31B net income, 17.4% margin), RF ($2.16B net income, 22.4% margin), PNC has outperformed on profitability metrics. Compare PNC vs USB →
PNC Earnings vs Peers
Earnings metrics vs comparable public companies
PNC Historical Earnings Data (1989–2025)
37 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $6.94B | +17.8% | $8.49B | $16.59 | 22.1% | 27.1% |
| 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% |
| 2014 | $4.18B | -0.4% | $5.61B | $7.30 | 25.8% | 34.7% |
| 2013 | $4.20B | +40.0% | $5.69B | $7.39 | 24.9% | 33.7% |
| 2012 | $3.00B | -1.8% | $4.04B | $5.30 | 18.1% | 24.3% |
| 2011 | $3.06B | -10.4% | $4.07B | $5.64 | 19.3% | 25.7% |
| 2010 | $3.41B | +39.4% | $4.06B | $5.74 | 20.1% | 24.0% |
| 2009 | $2.45B | +177.4% | $3.23B | $4.36 | 13.5% | 17.8% |
| 2008 | $882M | -39.9% | $1.09B | $2.46 | 10.2% | 12.7% |
| 2007 | $1.47B | -43.5% | $1.92B | $4.32 | 16.1% | 21.2% |
| 2006 | $2.60B | +95.8% | $4.00B | $8.73 | 29.3% | 45.2% |
| 2005 | $1.32B | +10.7% | $2.00B | $4.55 | 16.8% | 25.3% |
| 2004 | $1.20B | +19.6% | $1.78B | $4.21 | 18.9% | 28.1% |
| 2003 | $1.00B | -15.5% | $1.57B | $3.55 | 16.8% | 26.3% |
| 2002 | $1.18B | +218.3% | $1.82B | $4.15 | 18.6% | 28.6% |
| 2001 | $372M | -70.9% | $564M | $1.26 | 5.5% | 8.3% |
| 2000 | $1.28B | +1.2% | $1.85B | $4.31 | 16.6% | 24.1% |
| 1999 | $1.26B | +13.4% | $1.79B | $4.15 | 18.0% | 25.4% |
| 1998 | $1.11B | +6.0% | $1.65B | $3.60 | 15.7% | 23.2% |
| 1997 | $1.05B | +6.0% | $1.62B | $3.28 | 15.2% | 23.4% |
| 1996 | $992M | +143.1% | $1.53B | $2.88 | 15.6% | 24.0% |
| 1995 | $408M | -33.1% | $627M | $1.19 | 6.7% | 10.3% |
| 1994 | $610M | -16.0% | $902M | $2.56 | 13.0% | 19.3% |
| 1993 | $726M | +70.0% | $1.12B | $2.60 | 17.5% | 26.9% |
| 1992 | $427M | +9.5% | $778M | $1.89 | 10.4% | 19.0% |
| 1991 | $390M | +449.8% | $548M | $1.95 | 8.7% | 12.3% |
| 1990 | $71M | -81.2% | $29M | $0.37 | 1.5% | 0.6% |
| 1989 | $377M | - | $485M | $1.96 | 8.1% | 10.4% |
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PNC — Frequently Asked Questions
Quick answers to the most common questions about buying PNC stock.
What is PNC earnings per share (EPS)?
PNC trailing twelve-month (TTM) diluted EPS is $17.60, reflecting +20.7% year-over-year growth. The 5-year EPS CAGR is +21.1%. Complete EPS history from 1989 to 2025 is available in the table on this page.
What is The PNC Financial Services Group, Inc.'s net income?
The PNC Financial Services Group, Inc. (PNC) trailing twelve-month net income is $6.9B as of 2025. Earnings grew +20.7% year-over-year. The PNC Financial Services Group, Inc. has been profitable for 37 consecutive years.
Is PNC profitable?
Yes, PNC is profitable with a TTM net income of $6.9B and a net profit margin of +22.1%. The PNC Financial Services Group, Inc. has generated profits for 37 consecutive years.
What is PNC's earnings growth rate?
PNC compound annual EPS growth rates (CAGR): 1-Year: +20.7%, 3-Year: +6.2%, 5-Year: +21.1%, 10-Year: +8.4%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1989 to 2025.
What are PNC's profit margins?
The PNC Financial Services Group, Inc. net profit margin is +22.1%, operating margin is +27.1%, and gross margin is +71.7%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +12.1%.
Is PNC growing earnings?
Yes, PNC earnings are accelerating — EPS growth of +20.7% exceeds the 5-year CAGR of +21.1%. TTM net income reached $6.9B. Earnings momentum is strengthening.
What was PNC's best earnings year?
The PNC Financial Services Group, Inc.'s highest annual net income on record is $7.5B, achieved in fiscal year 2020. Earnings history on this page spans 1989 to 2025 and includes all annual and quarterly figures.
What were PNC's earnings last quarter?
PNC's most recent reported quarter was Q4 2025. Net income was $2.0B with diluted EPS of $4.88. For a full breakdown of all quarters, see the quarterly earnings table on this page.