The PNC Financial Services Group (PNC) Operating Margin: History & Chart

The PNC Financial Services Group, Inc.(PNC)

Banks - Regional · Pittsburgh, PA

$244.24+1.26 (+0.52%)

Delayed quote: Sep 11, 2026, 4:00 PM EDT

About The PNC Financial Services Group, Inc.

PNC Financial Services Group, Inc. stands as a diversified financial institution operating across the United States. Founded in 1852 and headquartered in Pittsburgh, Pennsylvania, the company maintains an extensive physical footprint, boasting 2,591 branches and 9,502 ATMs. Its Retail Banking division delivers a full spectrum of financial solutions to individual consumers and small businesses. This includes a variety of deposit accounts such as checking, savings, money market, and certificates of deposit. Lending products span residential mortgages, home equity loans and lines of credit, auto loans, credit cards, education financing, and personal and small business loans and credit lines. Additionally, the segment provides brokerage, insurance, investment, and cash management services, all accessible via its branch network, ATMs, call centers, and digital banking channels. The Corporate & Institutional Banking segment caters to the needs of mid-sized and large corporations, government entities, and not-for-profit organizations. It offers secured and unsecured commercial loans, letters of credit, and equipment leases. Services extend to sophisticated cash and investment management, including receivables and disbursement handling, fund transfers, international payment processing, and access to online/mobile information reporting. Furthermore, this segment provides expert advice on foreign exchange, derivatives, fixed income, securities underwriting, loan syndications, and mergers and acquisitions, alongside offering equity capital markets advisory, commercial loan servicing, and technology solutions. PNC's Asset Management Group specializes in wealth management for a diverse clientele. For high net worth and ultra high net worth individuals and their families, it delivers tailored investment and retirement planning, customized investment management, credit and cash management strategies, and trust administration. This also includes specialized multi-generational family planning services for its wealthiest clients. Institutional clients benefit from outsourced chief investment officer capabilities, custody services, private real estate investment opportunities, cash and fixed income solutions, and fiduciary retirement advisory services.

Pittsburgh, PA

54,596 employees

www.pnc.com

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: William S. Demchak

View full financials

PNC Operating Margin Metrics

OPERATING MARGIN

26.71%

OPERATING MARGIN AVG TTM

26.18%

OPERATING MARGIN AVG 3Y

23.83%

OPERATING MARGIN AVG 5Y

26.76%

OPERATING MARGIN AVG 10Y

28.34%

OPERATING MARGIN AVG 15Y

29.33%

OPERATING MARGIN AVG 20Y

27.87%

CURRENT VS TTM AVG

+2.01%

CURRENT VS 3Y AVG

+12.10%

CURRENT VS 5Y AVG

-0.20%

CURRENT VS 10Y AVG

-5.75%

CURRENT VS 15Y AVG

-8.93%

CURRENT VS 20Y AVG

-4.15%

SECTOR MEDIAN · FINANCIAL SERVICES

23.64%

median of 103 covered companies

CURRENT VS SECTOR MEDIAN

+12.99%

vs the sector median at left

NAME	MARKET CAP	OPERATING MARGIN	TTM	3Y	5Y
The PNC Financial Services Group, Inc. (PNC)	$97.45B	26.71%	26.18%	23.83%	26.76%
Schwab U.S. Dividend Equity ETF (SCHD)vs ›	$97.65B	N/A	N/A	N/A	N/A
U.S. Bancorp (USB)vs ›	$97.89B	23.95%	20.36%	21.07%	25.19%
Invesco S&P 500 Equal Weight ETF (RSP)vs ›	$96.68B	N/A	N/A	N/A	N/A
CME Group Inc. (CME)vs ›	$99.08B	65.10%	64.50%	62.66%	60.18%
Robinhood Markets, Inc. (HOOD)vs ›	$101.21B	46.03%	41.27%	-4.33%	-17.73%
KKR & Co. Inc. (KKR)vs ›	$90.76B	7.84%	3.42%	3.89%	12.83%
Intercontinental Exchange, Inc. (ICE)vs ›	$88.36B	44.92%	37.69%	37.61%	37.47%
Brookfield Corporation (BN)vs ›	$85.37B	28.56%	24.76%	19.95%	18.38%
Marsh & McLennan Companies, Inc. (MRSH)vs ›	$84.42B	21.62%	23.42%	22.68%	21.71%

NAME

MARKET CAP

OPERATING MARGIN

TTM

The PNC Financial Services Group, Inc. (PNC)

$97.45B

26.71%

26.18%

23.83%

26.76%

Schwab U.S. Dividend Equity ETF (SCHD)vs ›

$97.65B

N/A

U.S. Bancorp (USB)vs ›

$97.89B

23.95%

20.36%

21.07%

25.19%

Invesco S&P 500 Equal Weight ETF (RSP)vs ›

$96.68B

N/A

CME Group Inc. (CME)vs ›

$99.08B

65.10%

64.50%

62.66%

60.18%

Robinhood Markets, Inc. (HOOD)vs ›

$101.21B

46.03%

41.27%

-4.33%

-17.73%

KKR & Co. Inc. (KKR)vs ›

$90.76B

7.84%

3.42%

3.89%

12.83%

Intercontinental Exchange, Inc. (ICE)vs ›

$88.36B

44.92%

37.69%

37.61%

37.47%

Brookfield Corporation (BN)vs ›

$85.37B

28.56%

24.76%

19.95%

18.38%

Marsh & McLennan Companies, Inc. (MRSH)vs ›

$84.42B

21.62%

23.42%

22.68%

21.71%

Operating Margin FAQ

What is the operating margin for The PNC Financial Services Group, Inc. (PNC)?

The operating margin for PNC stock is 26.71%.

Is The PNC Financial Services Group, Inc.'s operating margin high or low?

The operating margin of 26.71% is in line with its 5-year average of 26.76%, around the middle of its 5-year range (12.45%–35.89%).

What is the TTM average operating margin for The PNC Financial Services Group, Inc. (PNC)?

The TTM average operating margin for PNC stock is 26.18%.

What is the 3Y average operating margin for The PNC Financial Services Group, Inc. (PNC)?

The 3Y average operating margin for PNC stock is 23.83%.

What is the 5Y average operating margin for The PNC Financial Services Group, Inc. (PNC)?

The 5Y average operating margin for PNC stock is 26.76%.

What is the 10Y average operating margin for The PNC Financial Services Group, Inc. (PNC)?

The 10Y average operating margin for PNC stock is 28.34%.

What is the 15Y average operating margin for The PNC Financial Services Group, Inc. (PNC)?

The 15Y average operating margin for PNC stock is 29.33%.

What is the 20Y average operating margin for The PNC Financial Services Group, Inc. (PNC)?

The 20Y average operating margin for PNC stock is 27.87%.

DATE	OPERATING MARGIN
2026-06-30	28.68%
2026-03-31	25.31%
2025-12-31	26.72%
2025-09-30	26.05%
2025-06-30	24.16%
2025-03-31	22.79%
2024-12-31	22.33%
2024-09-30	21.06%
2024-06-30	22.92%
2024-03-31	19.76%
2023-12-31	12.45%
2023-09-30	23.19%
2023-06-30	22.97%
2023-03-31	26.76%
2022-12-31	26.23%
2022-09-30	32.67%
2022-06-30	34.34%
2022-03-31	35.89%
2021-12-31	31.85%
2021-09-30	34.10%
2021-06-30	27.47%
2021-03-31	50.77%
2020-12-31	40.37%
2020-09-30	38.37%
2020-06-30	-20.63%
2020-03-31	17.52%
2019-12-31	29.81%
2019-09-30	27.40%
2019-06-30	27.31%
2019-03-31	28.99%
2018-12-31	30.95%
2018-09-30	32.48%
2018-06-30	33.25%
2018-03-31	31.96%
2017-12-31	22.66%
2017-09-30	33.64%
2017-06-30	33.13%
2017-03-31	32.85%
2016-12-31	32.55%
2016-09-30	32.54%
2016-06-30	31.80%
2016-03-31	31.00%
2015-12-31	33.58%
2015-09-30	33.10%
2015-06-30	35.30%
2015-03-31	33.38%
2014-12-31	33.13%
2014-09-30	35.15%
2014-06-30	34.93%
2014-03-31	35.55%
2013-12-31	32.97%
2013-09-30	33.60%
2013-06-30	35.13%
2013-03-31	32.34%
2012-12-31	21.36%
2012-09-30	27.76%
2012-06-30	18.47%
2012-03-31	27.04%
2011-12-31	16.48%
2011-09-30	29.32%
2011-06-30	28.66%
2011-03-31	28.23%
2010-12-31	28.51%
2010-09-30	23.36%
2010-06-30	24.99%
2010-03-31	20.41%
2009-12-31	46.36%
2009-09-30	15.60%
2009-06-30	4.70%
2009-03-31	13.57%
2008-12-31	-21.32%
2008-09-30	14.13%
2008-06-30	27.97%
2008-03-31	24.56%
2007-12-31	8.59%
2007-09-30	22.43%
2007-06-30	24.48%
2007-03-31	28.71%
2006-12-31	475.83%
2006-09-30	55.98%
2006-06-30	24.53%
2006-03-31	23.77%
2005-12-31	24.53%
2005-09-30	23.02%
2005-06-30	24.10%
2005-03-31	26.21%
2004-12-31	26.35%
2004-09-30	22.85%
2004-06-30	29.46%
2004-03-31	31.14%
2003-12-31	32.23%
2003-09-30	26.66%
2003-06-30	19.89%
2003-03-31	26.56%
2002-12-31	27.27%
2002-09-30	28.05%

DATE

OPERATING MARGIN

2026-06-30

28.68%

2026-03-31

25.31%

2025-12-31

26.72%

2025-09-30

26.05%

2025-06-30

24.16%

2025-03-31

22.79%

2024-12-31

22.33%

2024-09-30

21.06%

2024-06-30

22.92%

2024-03-31

19.76%

2023-12-31

12.45%

2023-09-30

23.19%

2023-06-30

22.97%

2023-03-31

26.76%

2022-12-31

26.23%

2022-09-30

32.67%

2022-06-30

34.34%

2022-03-31

35.89%

2021-12-31

31.85%

2021-09-30

34.10%

2021-06-30

27.47%

2021-03-31

50.77%

2020-12-31

40.37%

2020-09-30

38.37%

2020-06-30

-20.63%

2020-03-31

17.52%

2019-12-31

29.81%

2019-09-30

27.40%

2019-06-30

27.31%

2019-03-31

28.99%

2018-12-31

30.95%

2018-09-30

32.48%

2018-06-30

33.25%

2018-03-31

31.96%

2017-12-31

22.66%

2017-09-30

33.64%

2017-06-30

33.13%

2017-03-31

32.85%

2016-12-31

32.55%

2016-09-30

32.54%

2016-06-30

31.80%

2016-03-31

31.00%

2015-12-31

33.58%

2015-09-30

33.10%

2015-06-30

35.30%

2015-03-31

33.38%

2014-12-31

33.13%

2014-09-30

35.15%

2014-06-30

34.93%

2014-03-31

35.55%

2013-12-31

32.97%

2013-09-30

33.60%

2013-06-30

35.13%

2013-03-31

32.34%

2012-12-31

21.36%

2012-09-30

27.76%

2012-06-30

18.47%

2012-03-31

27.04%

2011-12-31

16.48%

2011-09-30

29.32%

2011-06-30

28.66%

2011-03-31

28.23%

2010-12-31

28.51%

2010-09-30

23.36%

2010-06-30

24.99%

2010-03-31

20.41%

2009-12-31

46.36%

2009-09-30

15.60%

2009-06-30

4.70%

2009-03-31

13.57%

2008-12-31

-21.32%

2008-09-30

14.13%

2008-06-30

27.97%

2008-03-31

24.56%

2007-12-31

8.59%

2007-09-30

22.43%

2007-06-30

24.48%

2007-03-31

28.71%

2006-12-31

475.83%

2006-09-30

55.98%

2006-06-30

24.53%

2006-03-31

23.77%

2005-12-31

24.53%

2005-09-30

23.02%

2005-06-30

24.10%

2005-03-31

26.21%

2004-12-31

26.35%

2004-09-30

22.85%

2004-06-30

29.46%

2004-03-31

31.14%

2003-12-31

32.23%

2003-09-30

26.66%

2003-06-30

19.89%

2003-03-31

26.56%

2002-12-31

27.27%

2002-09-30

28.05%

Operating Margin: 26.71%

PNC Operating Margin

PNC Average Operating Margin Chart

PNC Current vs Average Operating Margin Chart

PNC Operating Margin Metrics

PNC Competitors' Operating Margin

Operating Efficiency

Operating Margin Formula & Definition

Operating Margin FAQ

PNC Operating Margin History

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