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PNC Financial Services Group (PNC) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Nov 3, 2026 · PNC Financial Services Group (PNC) Q3 2026 earnings results →

Q3 2026 Revenue up 11% year over year to $6.6B · 32¢ of every $1 of revenue kept as net profit · operating margin 40.0%

PNC Financial Services Group made $6.6B in Q3 2026 (+11% Y/Y). Operating margin 40.0%, net earnings $2.1B. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 3, 2026.

Revenue$6.6B

Year over year+11%

Operating margin40.0%

Net earnings$2.1B

Operating cash flow$3.1B

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $6.6B in Q3 2026, up 11% year over year and down 5% from the previous quarter.

Operating profit was $2.6B, a 40.0% margin (up 1.3 points year over year). Of the extra revenue versus Q3 2025, 52% reached operating profit, above the 39% margin then. Total costs grew 9% against revenue growth of 11%. The fastest-growing cost line was Sales & marketing (+14%). Net earnings were $2.1B, up 15% year over year. The effective tax rate was 20.0%.

Operating cash flow was $3.1B (up 15% year over year), 146% of net earnings. Non-cash charges added back $0.13B of depreciation and amortization. Working capital and other items added $0.84B.

Quarterly history

Quarter	Form	Filed	Revenue	Y/Y	Op. margin	Net earnings	Op. cash flow
Q3 2026	10-Q	Nov 3, 2026	$6.6B	+11%	40.0%	$2.1B	$3.1B
Q2 2026	10-Q	Aug 5, 2026	$6.9B	+21%	37.6%	$2.0B	$2.1B
Q1 2026	10-Q	May 5, 2026	$6.2B	+13%	35.5%	$1.7B	$1.9B
Q4 2025	10-K	Feb 20, 2026	$6.1B	+9%	38.4%	$1.9B	$757M
Q3 2025	10-Q	Nov 3, 2025	$5.9B	+9%	38.7%	$1.8B	$2.7B
Q2 2025	10-Q	Aug 1, 2025	$5.7B	+5%	35.8%	$1.6B	$1.5B
Q1 2025	10-Q	May 2, 2025	$5.5B	+6%	33.9%	$1.4B	−$509M

Charts

Latest (Q3 2026): Y/Y +11%, Q/Q -5%.

From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.

Latest (Q3 2026): Net income $2.1B, Operating cash flow $3.1B.

-7.3% since FY2020: buybacks shrank the count.

Cash $39.7B, short-term investments —, long-term debt $57.1B at 2025-12-31.

National Commercial Banks; dot size is quarterly revenue; dashed lines are the industry's medians.