PNC FINANCIAL SERVICES GROUP, INC.
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PNC Q3 2025 request
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| Metric | Q3 2025 | Q3 2024 | YoY |
|---|---|---|---|
| Revenue | 5,915 | 5,432 | +8.9% |
Show Business Segments breakouts |
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| Asset Management Group · Operating Segments | 430 | 393 | +9.4% |
| Corporate & Institutional Banking · Operating Segments | 2,884 | 2,618 | +10.2% |
| Retail Banking · Operating Segments | 3,806 | 3,494 | +8.9% |
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| Material Reconciling Items | -1,205 | -1,073 | -12.3% |
| Operating Segments | 7,120 | 6,505 | +9.5% |
| Revenue (Q) | — | — | — |
Show Product Lines breakouts |
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| Asset management and brokerage · Asset Management Group | 250 | 238 | +5.0% |
| Asset management and brokerage · Retail Banking | 154 | 145 | +6.2% |
| Asset management fees · Asset Management Group | 250 | 238 | +5.0% |
| Brokerage fees · Retail Banking | 154 | 145 | +6.2% |
| Capital markets and advisory · Corporate & Institutional Banking | 297 | 261 | +13.8% |
| Card and cash management · Corporate & Institutional Banking | 418 | 390 | +7.2% |
| Card and cash management · Retail Banking | 309 | 296 | +4.4% |
| Credit Card Reward Costs · Retail Banking | 120 | 121 | -0.8% |
| Debit card fees · Retail Banking | 184 | 177 | +4.0% |
| Deposit account fees · Retail Banking | 175 | 166 | +5.4% |
| Interchange Fees · Retail Banking | 176 | 167 | +5.4% |
| Lending and deposit services · Corporate & Institutional Banking | 8 | 7 | +14.3% |
| Lending and deposit services · Retail Banking | 193 | 185 | +4.3% |
| Merchant services · Corporate & Institutional Banking | 20 | 18 | +11.1% |
| Merchant services · Retail Banking | 38 | 40 | -5.0% |
| Net credit card fees · Retail Banking | 56 | 46 | +21.7% |
| Other · Corporate & Institutional Banking | 8 | 7 | +14.3% |
| Other · Retail Banking | 21 | 23 | -8.7% |
| Other · Retail Banking | 18 | 19 | -5.3% |
| Product And Service Other · Corporate & Institutional Banking | 26 | 16 | +62.5% |
| Residential and commercial mortgage · Corporate & Institutional Banking | 33 | 32 | +3.1% |
| Treasury management fees · Corporate & Institutional Banking | 398 | 372 | +7.0% |
| Treasury management fees · Retail Banking | 10 | 10 | 0.0% |
Show Business Segments breakouts |
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| Asset Management Group · Operating Segments | 250 | 238 | +5.0% |
| Corporate & Institutional Banking · Operating Segments | 782 | 706 | +10.8% |
| Retail Banking · Operating Segments | 656 | 626 | +4.8% |
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| Operating Segments | 1,688 | 1,570 | +7.5% |
| General & Administrative (Q) | — | — | — |
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| Asset Management Group · Operating Segments | 120 | 114 | +5.3% |
| Corporate & Institutional Banking · Operating Segments | 387 | 371 | +4.3% |
| Retail Banking · Operating Segments | 979 | 930 | +5.3% |
| Income Before Taxes | 2,287 | 1,862 | +22.8% |
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| Asset Management Group · Operating Segments | 153 | 125 | +22.4% |
| Corporate & Institutional Banking · Operating Segments | 1,864 | 1,534 | +21.5% |
| Retail Banking · Operating Segments | 1,739 | 1,541 | +12.8% |
| Income Tax Expense (Benefit) | 465 | 357 | +30.3% |
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| Asset Management Group · Operating Segments | 36 | 29 | +24.1% |
| Corporate & Institutional Banking · Operating Segments | 400 | 332 | +20.5% |
| Retail Banking · Operating Segments | 406 | 360 | +12.8% |
| Net Income | 1,822 | 1,505 | +21.1% |
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| Asset Management Group · Operating Segments | 117 | 96 | +21.9% |
| Corporate & Institutional Banking · Operating Segments | 1,464 | 1,202 | +21.8% |
| Retail Banking · Operating Segments | 1,333 | 1,181 | +12.9% |
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| Noncontrolling Interest | 14 | 15 | -6.7% |
| Retained Earnings | 1,808 | 1,490 | +21.3% |
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| Corporate Non Segment · FDIC Special Assessment | 48 | — | — |
| Material Reconciling Items · Other Reclassification Activities | -1,140 | -974 | -17.0% |
| Operating Segments | 2,914 | 2,479 | +17.5% |
| Net Income (Q) | — | — | — |
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| Asset Management Group · Operating Segments | 117 | 96 | +21.9% |
| Corporate & Institutional Banking · Operating Segments | 1,459 | 1,197 | +21.9% |
| Retail Banking · Operating Segments | 1,324 | 1,172 | +13.0% |
| Comprehensive Income | 2,413 | 3,846 | -37.3% |
| EPS (Basic) | 4.36 | 3.5 | +24.6% |
| EPS (Diluted) | 4.35 | 3.49 | +24.6% |
| Wtd Avg Shares (Basic) | 396 | 399 | -0.8% |
| Wtd Avg Shares (Diluted) | 396 | 400 | -1.0% |
| Brokerage Commissions Revenue | 404 | 383 | +5.5% |
| Interest And Dividend Income Operating | 6,527 | 6,822 | -4.3% |
| Interest Expense Operating | 2,879 | 3,412 | -15.6% |
| Investment Banking Revenue | 432 | 371 | +16.4% |
| Marketing And Advertising Expense | 93 | 93 | 0.0% |
| Occupancy Net | 235 | 234 | +0.4% |
| Other Noninterest Expense | 747 | 774 | -3.5% |
| Preferred Stock Dividends Income Statement Impact | 71 | 82 | -13.4% |
| Net Income Loss Attributable To Noncontrolling Interest | 14 | 15 | -6.7% |
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| Corporate & Institutional Banking · Operating Segments | 5 | 5 | 0.0% |
| Retail Banking · Operating Segments | 9 | 9 | 0.0% |
| Noninterest Income | 2,267 | 2,022 | +12.1% |
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| Asset Management Group · Operating Segments | 254 | 242 | +5.0% |
| Asset Management Group · Operating Segments | 254 | 242 | +5.0% |
| Corporate & Institutional Banking · Operating Segments | 1,132 | 1,030 | +9.9% |
| Corporate & Institutional Banking · Operating Segments | 1,132 | 1,030 | +9.9% |
| Retail Banking · Operating Segments | 790 | 701 | +12.7% |
| Retail Banking · Operating Segments | 790 | 701 | +12.7% |
Show Consolidation Items breakouts |
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| Corporate Non Segment | 91 | 49 | +85.7% |
| Noninterest Income Other | 198 | 69 | +187.0% |
| Noninterest Expense | 3,461 | 3,327 | +4.0% |
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| Asset Management Group · Operating Segments | 273 | 270 | +1.1% |
| Corporate & Institutional Banking · Operating Segments | 976 | 950 | +2.7% |
| Retail Banking · Operating Segments | 1,941 | 1,842 | +5.4% |
Show Consolidation Items breakouts |
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| Corporate Non Segment · FDIC Special Assessment | -48 | — | — |
| Material Reconciling Items · Other Reclassification Activities | 319 | 265 | +20.4% |
| Operating Segments | 3,190 | 3,062 | +4.2% |
| Interest Income Expense Net | 3,648 | 3,410 | +7.0% |
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| Asset Management Group · Operating Segments | 176 | 151 | +16.6% |
| Corporate & Institutional Banking · Operating Segments | 1,752 | 1,588 | +10.3% |
| Retail Banking · Operating Segments | 3,016 | 2,793 | +8.0% |
| Labor And Related Expense | 1,970 | 1,869 | +5.4% |
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| Asset Management Group · Operating Segments | 115 | 120 | -4.2% |
| Corporate & Institutional Banking · Operating Segments | 403 | 393 | +2.5% |
| Retail Banking · Operating Segments | 529 | 539 | -1.9% |
| Depreciation And Amortization (Q) | — | — | — |
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| Asset Management Group · Operating Segments | 9 | 6 | +50.0% |
| Corporate & Institutional Banking · Operating Segments | 46 | 50 | -8.0% |
| Retail Banking · Operating Segments | 97 | 75 | +29.3% |
| Net Income Loss Available To Common Stockholders Basic | 1,723 | 1,396 | +23.4% |
| Operating Lease Lease Income | 8 | 7 | +14.3% |
Balance Sheet
| Metric | Q3 2025 | Q3 2024 | YoY |
|---|---|---|---|
| Non-Current Assets | |||
| Goodwill | 10,962 | 10,932 | +0.3% |
| Total Assets | 568,767 | 564,881 | +0.7% |
Show Financial Instrument breakouts |
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| Mortgage-Backed Securitizations · Variable Interest Entity Primary Beneficiary | 17,706 | 20,004 | -11.5% |
| Tax credit investments and other · Variable Interest Entity Primary Beneficiary | 5,824 | 5,104 | +14.1% |
Show Consolidated Entities breakouts |
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| Variable Interest Entity Primary Beneficiary | 23,530 | 25,108 | -6.3% |
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| Nonperforming Financing Receivable | 2,299 | 2,609 | -11.9% |
| Non-Current Liabilities | |||
| Long-Term Debt | 62,344 | 68,069 | -8.4% |
| Total Liabilities | 509,729 | 509,152 | +0.1% |
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| Tax credit investments and other · Variable Interest Entity Primary Beneficiary | 2,735 | 2,181 | +25.4% |
Show Consolidated Entities breakouts |
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| Variable Interest Entity Primary Beneficiary | 2,735 | 2,181 | +25.4% |
| Stockholders' Equity | |||
| Common Stock | 2,717 | 2,716 | 0.0% |
| Additional Paid-In Capital | 18,859 | 19,150 | -1.5% |
| Retained Earnings | 62,008 | 58,412 | +6.2% |
| Accumulated Other Comprehensive Income | -4,077 | -5,090 | +19.9% |
| Total Stockholders' Equity | 58,990 | 55,689 | +5.9% |
| Total Liabilities & Equity | 568,767 | 564,881 | +0.7% |
Cash Flow Statement
| Metric | YTD Q3 2025 | YTD Q3 2024 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Deferred Income Taxes | -68 | -89 | +23.6% |
| Net Cash from Operations | 3,627 | 6,080 | -40.3% |
| Investing Activities | |||
| Purchases of Investments | -12,121 | -25,501 | +52.5% |
| Other Investing Activities | -1,497 | -587 | -155.0% |
| Net Cash from Investing | -13,508 | -10,367 | -30.3% |
| Financing Activities | |||
| Share Repurchases | -932 | -466 | -100.0% |
| Net Cash from Financing | 2,501 | -5,252 | +147.6% |
| Supplemental | |||
| Interest Paid | 8,312 | 9,586 | -13.3% |
| Other Cash Flow | |||
| Net Change in Cash | -7,380 | -9,539 | +22.6% |
Values in millions USD. Source: SEC EDGAR 10-Q filing.