PNC Financial Services Group Inc (PNC) — Cash Flow Quality Index
PNC Financial Services Group Inc (PNC) has a Cash Flow Quality Index of 1.09x as of March 2026. Operating cash flow of $1.93 Billion exceeds net income of $1.77 Billion, indicating high earnings quality where cash backs reported profits. Explore PNC debt coverage from operations to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
PNC Financial Services Group Inc Cash Flow Quality Index (1989–2025)
Historical Cash Flow Quality Index for PNC Financial Services Group Inc across 37 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see how efficiently does PNC Financial Services Group Inc generate cash.
Annual Cash Flow Quality Index for PNC Financial Services Group Inc (1989–2025)
Year-by-year earnings quality comparison for PNC Financial Services Group Inc.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 0.63x | $4.38 Billion | $7.00 Billion | ▼ -52.7% |
| 2024 | 1.32x | $7.88 Billion | $5.95 Billion | ▼ -26.1% |
| 2023 | 1.79x | $10.11 Billion | $5.65 Billion | ▲ +20.5% |
| 2022 | 1.49x | $9.08 Billion | $6.11 Billion | ▲ +17.9% |
| 2021 | 1.26x | $7.21 Billion | $5.72 Billion | ▲ +104.4% |
| 2020 | 0.62x | $4.66 Billion | $7.56 Billion | ▼ -54.6% |
| 2019 | 1.36x | $7.36 Billion | $5.42 Billion | ▼ -7.3% |
| 2018 | 1.47x | $7.84 Billion | $5.35 Billion | ▲ +41.6% |
| 2017 | 1.04x | $5.58 Billion | $5.39 Billion | ▲ +17.9% |
| 2016 | 0.88x | $3.50 Billion | $3.98 Billion | ▼ -34.1% |
| 2015 | 1.33x | $5.53 Billion | $4.14 Billion | ▲ +0.5% |
| 2014 | 1.33x | $5.58 Billion | $4.21 Billion | ▲ +0.7% |
| 2013 | 1.32x | $5.55 Billion | $4.21 Billion | ▼ -42.0% |
| 2012 | 2.27x | $6.81 Billion | $2.99 Billion | ▲ +15.8% |
| 2011 | 1.96x | $6.03 Billion | $3.07 Billion | ▲ +38.7% |
| 2010 | 1.42x | $4.81 Billion | $3.40 Billion | ▼ -40.8% |
| 2009 | 2.39x | $5.75 Billion | $2.40 Billion | ▼ -70.5% |
| 2008 | 8.11x | $7.41 Billion | $914.00 Million | ▲ +3007.3% |
| 2007 | -0.28x | $-416.00 Million | $1.49 Billion | ▼ -133.5% |
| 2006 | 0.83x | $2.16 Billion | $2.60 Billion | ▲ +262.1% |
| 2005 | -0.51x | $-680.00 Million | $1.32 Billion | ▼ -233.5% |
| 2004 | 0.38x | $460.00 Million | $1.20 Billion | ▼ -76.3% |
| 2003 | 1.62x | $1.67 Billion | $1.03 Billion | ▼ -27.7% |
| 2002 | 2.24x | $2.65 Billion | $1.18 Billion | ▼ -33.3% |
| 2001 | 3.36x | $1.27 Billion | $377.00 Million | ▲ +33.8% |
| 2000 | 2.51x | $3.05 Billion | $1.21 Billion | ▲ +70.3% |
| 1999 | 1.47x | $1.77 Billion | $1.20 Billion | ▲ +119.3% |
| 1998 | 0.67x | $726.00 Million | $1.08 Billion | ▲ +1824.8% |
| 1997 | -0.04x | $-41.00 Million | $1.05 Billion | ▼ -118.4% |
| 1996 | 0.21x | $210.00 Million | $992.00 Million | ▼ -92.3% |
| 1995 | 2.74x | $1.12 Billion | $408.10 Million | ▲ +11.3% |
| 1994 | 2.47x | $1.50 Billion | $610.10 Million | ▲ +91.2% |
| 1993 | 1.29x | $961.00 Million | $745.30 Million | ▼ -81.0% |
| 1992 | 6.79x | $3.59 Billion | $529.40 Million | ▲ +203.1% |
| 1991 | 2.24x | $872.80 Million | $389.80 Million | ▼ -81.7% |
| 1990 | 12.25x | $868.80 Million | $70.90 Million | ▲ +496.5% |
| 1989 | 2.05x | $775.30 Million | $377.40 Million | — |