PNC Financial Services (PNC) Credit Card Reward Costs — Total in-scope noninterest income

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Other product segments

Treasury management fees

$428M+3.1%

Capital markets and advisory

$424M+96.3%

Asset management fees

$268M+11.2%

Debit card fees

$200M+9.9%

Interchange Fees

$196M+10.7%

Deposit account fees

$180M+9.1%

Brokerage fees

$172M+14.7%

Merchant services

$56M-6.7%

Other

$28M+55.6%

Residential and commercial mortgage

$26M-3.7%

Similar metrics at other companies

EBCCard income — Total noninterest income in-scope of ASC 606

$6.04M+42.7%

EBCOther noninterest income — Total noninterest income in-scope of ASC 606

$2.88M+3.8%

SHBIOther noninterest income — Noninterest income (in-scope of Topic 606)

$2.56M+75.7%

CBNKCredit card fees — Noninterest income

$4.4M+2.3%

SHBIInterchange income — Noninterest income (in-scope of Topic 606)

$1.7M+7.7%

EBCInvestment advisory fees — Total noninterest income in-scope of ASC 606

$19.69M+14.0%

Other financials

Income statement

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Revenue$6.9B+21.4%

Net income$2.0B+25.4%

EPS (diluted)$4.81+24.9%

Balance sheet

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Cash & equivalents$28.7B-2.2%

Total debt$106.73B+76.6%

Total equity$64.0B+11.1%

Total assets$616.03B+10.2%

Cash flow

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Operating cash flow$2.1B+45.1%

Valuation

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Market cap$100.85B+35.8%

Enterprise value$178.83B+69.9%

P/E13.2×+1.3×

P/S4×+0.7×

Profitability

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Net margin30.6%+2.3pp

Returns & leverage

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Return on equity12.6%+1.3pp

Debt / equity1.7×+0.6×

Where this comes from

Reported directly by PNC Financial Services in its filing.

Tagged under the XBRL concept us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax.

The source filing: PNC Financial Services’s 10-Q, filed August 5, 2026.

Filed: Aug 5, 2026, 2:19 PM EDT
Fiscal quarter: Q2 FY2026
Calendar quarter: Q2 2026
Accession: 0001628280-26-053170

(a)Net credit card fees consist of interchange fees of $196 million and $177 million and credit card reward costs of $141 million and $127 million for the three months ended June 30, 2026 and 2025, respectively. Net credit card fees consist of interchange fees of $372 million and $339 million and credit card reward costs of $265 million and $248 million for the six months ended June 30, 2026 and 2025, respectively.

ITEM 1. FINANCIAL STATEMENTS (UNAUDITED)

FAQ

What is PNC Financial Services's credit card reward costs — total in-scope noninterest income?: PNC Financial Services (PNC) reported credit card reward costs — total in-scope noninterest income of $141M in Q2 2026.
What does credit card reward costs — total in-scope noninterest income mean?: This metric represents the total expenses incurred by the credit card business segment related to customer loyalty programs, cash-back incentives, and travel rewards. It is evaluated as a proportion of total in-scope noninterest income to assess the impact of reward program costs on the profitability of the credit card portfolio. Monitoring this ratio helps management understand the efficiency of customer acquisition and retention strategies relative to the fee-based revenue generated by the card business.