The PNC Financial Services Group, Inc. (PNC)
NYSE: PNC · Real-Time Price · USD
251.60
+1.96 (0.79%)
At close: Jul 28, 2026, 4:00 PM EDT
251.67
+0.07 (0.03%)
After-hours: Jul 28, 2026, 7:50 PM EDT
PNC Financial Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Quarter | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 | Q2 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 | Sep '21 Sep 30, 2021 | Jun '21 Jun 30, 2021 |
Net Income | 1,772 | - | 1,822 | 1,643 | 1,499 | - | 1,505 | 1,477 | 1,344 | - | 1,570 | 1,500 | 1,694 | 1,548 | 1,640 | 1,496 | 1,429 | 1,306 | 1,490 | 1,103 |
Depreciation & Amortization | 66 | 108 | 101 | 82 | 90 | 164 | 21 | 37 | 37 | 43 | 49 | 60 | 65 | 64 | 58 | 144 | 385 | 558 | 421 | 419 |
Provision for Credit Losses | 210 | 139 | 167 | 254 | 219 | 156 | 243 | 235 | 155 | 232 | 129 | 146 | 235 | 408 | 241 | 36 | -208 | -327 | -203 | 302 |
Net Change in Loans Held-for-Sale | 571 | -854 | 707 | -658 | -297 | -133 | 220 | -249 | 11 | 170 | -482 | 533 | -11 | 79 | -35 | 355 | 642 | -90 | 49 | -97 |
Other Adjustments | 6 | 105 | 84 | 126 | 144 | -82 | 205 | 89 | -87 | 228 | -243 | -83 | 144 | 45 | -2 | -29 | -203 | 345 | -215 | 579 |
Changes in Trading Assets | 105 | -673 | -1,647 | -151 | -1,495 | 287 | -662 | -18 | 434 | -261 | 95 | -216 | -385 | 1,006 | 752 | -301 | -1,024 | 283 | -388 | 212 |
Changes in Accrued Expenses | -1,756 | 479 | 306 | -784 | -1,611 | -810 | 371 | -671 | -263 | -797 | 1,798 | 648 | -1,142 | -1,987 | 1,095 | 522 | 969 | 412 | 1,123 | -1,027 |
Changes in Other Operating Activities | 954 | -580 | 1,116 | 966 | 942 | 591 | 1,384 | 390 | 127 | 4,366 | -2,801 | 666 | 1,276 | 2,635 | -355 | 405 | -2,979 | 1,050 | -752 | -41 |
Operating Cash Flow | 1,928 | -1,276 | 2,656 | 1,480 | -509 | 173 | 3,287 | 1,035 | 1,758 | 3,981 | 115 | 3,256 | 1,876 | 4,046 | 3,394 | 2,632 | -989 | 3,494 | 1,525 | 1,415 |
Operating Cash Flow Growth (YoY) | - | - | -19.20% | 42.99% | - | -95.65% | 2758.26% | -68.21% | -6.29% | -1.61% | -96.61% | 23.71% | - | 15.80% | 122.56% | 86.01% | - | 80.57% | 288.04% | -53.25% |
Investing Activities
Fiscal Quarter | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 | Q2 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 | Sep '21 Sep 30, 2021 | Jun '21 Jun 30, 2021 |
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements | 260 | 1,305 | -669 | 257 | -445 | 219 | -773 | 171 | -4 | 156 | 188 | 197 | -6,548 | 187 | -11,860 | 19,931 | 24,996 | 1,323 | -3,075 | 27,088 |
Net Change in Loans Held-for-Investment | -14,196 | -5,169 | -631 | -7,719 | -2,653 | 4,413 | -214 | -1,906 | 1,484 | -3,230 | 2,960 | 4,127 | -633 | -10,809 | -4,655 | -16,532 | -6,170 | 1,722 | 4,387 | 4,788 |
Net Change in Securities and Investments | 5,070 | 2,894 | 1,307 | -3,721 | 2,263 | 3,019 | -2,565 | -8,027 | 2,054 | 1,725 | 2,309 | 2,473 | 1,786 | -4,321 | -4,047 | -3,718 | -6,343 | -10,008 | 2,520 | -11,664 |
Cash Acquisitions | -80 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 0 | 0 | - |
Other Investing Activities | -1,640 | -1,139 | -827 | -525 | -145 | -516 | -230 | -266 | -91 | -996 | -544 | -273 | -317 | -720 | -1,128 | -1,371 | 224 | -1,144 | -520 | -679 |
Investing Cash Flow | -10,586 | -2,109 | -820 | -11,708 | -980 | 7,135 | -3,782 | -10,028 | 3,443 | -2,345 | 4,913 | 2,310 | -5,712 | -2,755 | -21,690 | -1,690 | 12,707 | -9,057 | 3,312 | 9,022 |
Financing Activities
Fiscal Quarter | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 | Q2 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 | Sep '21 Sep 30, 2021 | Jun '21 Jun 30, 2021 |
Net Change in Deposits | -6,292 | 8,116 | 6,051 | 3,782 | -3,823 | 2,697 | 7,646 | -9,209 | 4,170 | -2,170 | -3,866 | -9,377 | 561 | -1,889 | -2,633 | -9,393 | -7,054 | 8,371 | -4,035 | -7,773 |
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements | -28 | -19 | 132 | -33 | -3 | 37 | 67 | -11 | -167 | 128 | 137 | 188 | -144 | -1 | 4 | -21 | 16 | -137 | 16 | 78 |
Short-Term Debt Issued | 290 | - | 621 | -270 | 419 | - | 633 | -224 | 95 | - | -237 | 39 | -74 | -226 | -236 | 627 | 471 | -120 | 70 | -74 |
Net Short-Term Debt Issued (Repaid) | 290 | - | 621 | -270 | 419 | - | 633 | -224 | 95 | - | -237 | 39 | -74 | -226 | -236 | 627 | 471 | -120 | 70 | -74 |
Long-Term Debt Issued | 14,059 | 0 | 3,893 | 5,495 | 2,742 | 5,725 | 2,675 | 1,903 | 2,671 | 5,692 | 2,875 | 3,811 | 2,910 | 5,911 | 20,213 | 146 | 289 | 1,963 | 894 | 165 |
Long-Term Debt Repaid | -6,000 | -3,600 | -3,000 | -5,000 | -4,750 | -10,806 | -7,790 | -2,158 | -2,246 | -1,090 | -890 | -1,174 | -896 | -1,716 | 4,503 | -1,646 | -4,039 | -300 | -2,201 | -2,028 |
Net Long-Term Debt Issued (Repaid) | 8,059 | -3,600 | 893 | 495 | -2,008 | -5,081 | -5,115 | -255 | 425 | 4,602 | 1,985 | 2,637 | 2,014 | 4,195 | 24,716 | -1,500 | -3,750 | 1,663 | -1,307 | -1,863 |
Issuance of Common Stock | 26 | 9 | - | - | 25 | 9 | - | - | 24 | 10 | 26 | 10 | 26 | 10 | 24 | 12 | 22 | 15 | 15 | 9 |
Repurchase of Common Stock | -796 | -406 | -334 | -336 | -262 | -221 | -130 | -113 | -223 | -1,862 | -11 | -129 | -459 | -653 | -1,002 | -797 | -1,279 | -638 | -374 | -1 |
Net Common Stock Issued (Repurchased) | -770 | -397 | -334 | -336 | -237 | -212 | -130 | -113 | -199 | -1,852 | 15 | -119 | -433 | -643 | -978 | -785 | -1,257 | -623 | -359 | 8 |
Issuance of Preferred Stock | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | 1,484 | 0 | 1,235 | 990 | - | -1 | 1,485 | - |
Net Preferred Stock Issued (Repurchased) | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | 1,484 | 0 | 1,235 | 990 | - | -1 | 1,485 | - |
Common Dividends Paid | -696 | -676 | -678 | -642 | -639 | -644 | -646 | -623 | -624 | -2,017 | -624 | -606 | -607 | -612 | -622 | -626 | -531 | -533 | -538 | -492 |
Preferred Share Dividends Paid | -73 | -83 | -71 | -83 | -71 | -94 | -82 | -95 | -81 | -118 | -104 | -127 | -68 | -120 | -65 | -71 | -45 | -71 | -57 | -48 |
Other Financing Activities | 154 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Financing Cash Flow | 644 | 3,341 | 6,641 | 2,222 | -6,362 | -3,297 | 2,400 | -11,271 | 3,619 | -1,427 | -2,694 | -5,315 | 2,733 | -796 | 16,262 | 68 | -12,150 | 4,724 | -4,718 | -9,168 |
Net Cash Flow
Fiscal Quarter | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 | Q2 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 | Sep '21 Sep 30, 2021 | Jun '21 Jun 30, 2021 |
Net Cash Flow | -8,014 | 842 | 8,477 | -8,006 | -7,851 | 5,065 | 1,905 | -20,264 | 8,820 | 3,941 | 2,334 | 251 | -1,103 | 495 | -2,034 | 1,010 | -432 | -839 | 119 | 1,269 |
Free Cash Flow
Fiscal Quarter | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 | Q2 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 | Sep '21 Sep 30, 2021 | Jun '21 Jun 30, 2021 |
Free Cash Flow | 1,928 | -1,276 | 2,656 | 1,480 | -509 | 173 | 3,287 | 1,035 | 1,758 | 3,981 | 115 | 3,256 | 1,876 | 4,046 | 3,394 | 2,632 | -989 | 3,494 | 1,525 | 1,415 |
Free Cash Flow Growth (YoY) | - | - | -19.20% | 42.99% | - | -95.65% | 2758.26% | -68.21% | -6.29% | -1.61% | -96.61% | 23.71% | - | 15.80% | 122.56% | 86.01% | - | 80.57% | 288.04% | -53.25% |
FCF Margin | 32.38% | -21.51% | 46.21% | 27.37% | -9.73% | 3.20% | 63.35% | 20.00% | 35.23% | 77.62% | 2.25% | 63.26% | 34.95% | 75.56% | 63.94% | 51.81% | -20.18% | 64.06% | 28.24% | 32.42% |
Free Cash Flow Per Share | 4.76 | -3.24 | 6.69 | 3.73 | -1.28 | 0.43 | 8.22 | 2.59 | 4.39 | 9.93 | 0.29 | 8.12 | 4.67 | 9.97 | 8.28 | 6.36 | -2.35 | 8.20 | 3.58 | 3.31 |