Merchant services — Total in-scope noninterest income
PNC Financial Services Merchant services — Total in-scope noninterest income decreased by 8.6% to $53.00M in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 7.0%, from $57.00M to $53.00M. Over 3 years (FY 2021 to FY 2025), Merchant services — Total in-scope noninterest income shows relatively stable performance with a -1.9% CAGR. This decline may warrant attention — for this metric, higher values are generally preferred.
Analysis
How to read this metric
An increase indicates growth in merchant client acquisition, higher transaction volumes, or improved pricing power within the payment services segment. A decrease may signal increased competition in the payments space, loss of merchant clients, or a shift in the pricing environment for processing services.
Detailed definition
This metric represents the total noninterest income generated specifically from merchant processing and payment services...
Peer comparison
Comparable to merchant acquiring revenue or payment processing fees reported by other diversified financial institutions and regional banks with integrated commercial banking platforms.
pnc_segment_merchant_services_total_in_scope_noninterest_incomeHistorical Data
| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q2 '23 | Q3 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $59.00M | $59.00M | $59.00M | $63.00M | $63.00M | $63.00M | $63.00M | $64.00M | $62.00M | $56.00M | $60.00M | $58.00M | $57.00M | $52.00M | $60.00M | $58.00M | $53.00M |
| QoQ Change | — | +0.0% | +0.0% | +6.8% | +0.0% | +0.0% | +0.0% | +1.6% | -3.1% | -9.7% | +7.1% | -3.3% | -1.7% | -8.8% | +15.4% | -3.3% | -8.6% |
| YoY Change | — | — | — | — | +6.8% | +6.8% | +6.8% | +1.6% | -1.6% | — | -6.3% | -6.5% | — | -7.1% | +0.0% | +0.0% | -7.0% |
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Frequently Asked Questions
- What is PNC Financial Services's merchant services — total in-scope noninterest income?
- PNC Financial Services (PNC) reported merchant services — total in-scope noninterest income of $53.00M in Q4 2025.
- How has PNC Financial Services's merchant services — total in-scope noninterest income changed year-over-year?
- PNC Financial Services's merchant services — total in-scope noninterest income decreased by 7.0% year-over-year, from $57.00M to $53.00M.
- What is the long-term trend for PNC Financial Services's merchant services — total in-scope noninterest income?
- Over 3 years (2021 to 2025), PNC Financial Services's merchant services — total in-scope noninterest income has grown at a -1.9% compound annual growth rate (CAGR), from $236.00M to $223.00M.
- What does merchant services — total in-scope noninterest income mean?
- The total fee revenue earned by the bank from providing payment processing and merchant services to business clients.