PNC PNC Financial Services Group margins

Relative Growth: Rel. Growth: 73

Relative Strength: Rel. Strength: 52

Relative Valuation: Rel. Valuation: 71

Relative Profitability: Rel. Profitability: 85

Gross margin

100%

Operating margin

40.3%

EBITDA margin

38.8%

Net margin

30.5%

At present, PNC Financial Services Group reports a gross margin of 100%, an operating margin of 40.3%, an EBITDA margin of 38.8%, and a net margin of 30.5%. The strongest improvement was in EBITDA margin, up 2.9 percentage points; the remaining margins remained unchanged.

PNC margin history

Gross, operating, EBITDA and net margin trends

PNC Financial Services Group's margins averaged 100% gross, 37.35% operating, 34.76% EBITDA, and 27.57% net during the last 3 years. Against the three-year averages, operating, EBITDA, and net margins are above their three-year averages.

PNC margin expansion

Year-over-year margin changes in percentage points

Operating margin expanded by 1.8 percentage points, EBITDA margin by 2.9 percentage points, and net margin by 2.4 percentage points, while gross margin was unchanged.

Gross margin expansion

0pp

Operating margin expansion

1.8pp

EBITDA margin expansion

2.9pp

Net margin expansion

2.4pp

PNC Gross margin

Over the last 3 years, PNC Financial Services Group's gross margin averaged 100%. The current gross margin of 100% is in line with its three-year average. During this period, gross margin reached a high of 100% in Jun 2026 and a low of 100% in Sep 2023.

PNC Operating margin

Over the last 3 years, the average operating margin for PNC Financial Services Group was 37.35%. The latest operating margin for PNC Financial Services Group is 40.3%, 3 percentage points above its three-year average. PNC Financial Services Group's operating margin ranged from a low of 33.3% in Mar 2024 to a high of 40.3% in Jun 2026.

PNC EBITDA margin

PNC Financial Services Group's EBITDA margin averaged 34.76% in the last 3 years. The latest EBITDA margin for PNC Financial Services Group is 38.8%, 4 percentage points above its three-year average. Over the last 3 years, PNC Financial Services Group's EBITDA margin peaked at 38.8% in Jun 2026 and reached a low of 30.3% in Sep 2024.

PNC Net margin

Over the last 3 years, PNC Financial Services Group's net margin averaged 27.57%. Currently, PNC Financial Services Group's current net margin is 30.5%, which is 2.9 percentage points above its three-year average. During this period, net margin reached a high of 30.5% in Jun 2026 and a low of 24.1% in Sep 2024.

PNC margin group comparison

Margins compared with peer-group, industry and sector averages

With a gross margin of 100%, PNC ranks higher than the Financial Services sector and the industry average. In comparison with the Financial Services sector average of 83.9%, PNC Financial Services Group's gross margin is 19% higher.

PNC margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is PNC Financial Services Group's gross margin?

The current gross margin for PNC is 100% as of Jun 30, 2026.

What is PNC Financial Services Group's operating margin?

As of Jun 30, 2026, PNC has an operating margin of 40.3%.

What is PNC Financial Services Group's EBITDA margin?

The current EBITDA margin for PNC is 38.8% as of Jun 30, 2026.

What is PNC Financial Services Group's net margin?

As of Jun 30, 2026, PNC has a net margin of 30.5%.

What are the average margins of PNC?

The three-year average margins for PNC were 100.0% gross, 37.4% operating, 34.8% EBITDA, and 27.6% net.

What are the highest historical margins of PNC?

Looking back across 5 years, PNC reached 100% gross in Jun 2026, 40.3% operating in Jun 2026, 48.1% EBITDA in Sep 2021, and 31.8% net in Sep 2021.

What are the lowest historical margins of PNC?

Within the 5-year period, PNC recorded its lowest margins at 100% gross in Sep 2021, 30.9% operating in Mar 2022, 30.3% EBITDA in Sep 2024, and 24.1% net in Sep 2024.