PNC Financial Services (PNC) Interchange Fees — 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%

Deposit account fees

$180M+9.1%

Brokerage fees

$172M+14.7%

Credit Card Reward Costs

$141M+11.0%

Merchant services

$56M-6.7%

Other

$28M+55.6%

Residential and commercial mortgage

$26M-3.7%

Similar metrics at other companies

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%

GABCInterchange Fee Income — Non-interest Income (in-scope of Topic 606)

$5.33M+5.4%

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

$2.88M+3.8%

CCBTransaction and interchange fees — Noninterest income

$6.84M+33.8%

WFCInterchange and merchant services fees — Fee income

$1.05B+1.1%

Other financials

Income statement

See full

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

See full

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

See full

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 interchange fees — total in-scope noninterest income?: PNC Financial Services (PNC) reported interchange fees — total in-scope noninterest income of $196M in Q2 2026.
What does interchange fees — total in-scope noninterest income mean?: This metric represents the total revenue generated from fees charged to merchants for processing debit and credit card transactions initiated by the bank's customers. It serves as a key component of noninterest income, reflecting the volume and frequency of electronic payment activity within the retail and commercial banking segments. Growth in this area indicates strong consumer spending patterns and successful adoption of the bank's payment products.