PNC – Dividend Returns, History & Calculator

Dividend Contender 15 Years

The PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States. It operates through three segments: Retail Banking, Corporate & Institutional Banking, and Asset Management Group segments. The Retail Banking seg

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Company Info

Symbol PNC
Company PNC Financial Services Group, I
Sector Financial Services
Industry Banks - Regional
Website Visit
Market Cap $71,546.8M

Price Data

Price $182.34
Price Change -7.39
Price Change % -3.90%
Next Earnings Oct 15, 2025
Low (52W) $145.12
High (52W) $216.26

Dividend Data

Div Yield 372.93%
5Y Avg Yield 391.05%
Current Div $1.700
Payouts/Year 4
Annualized $6.800
Previous Div $1.700
Ex-Date Oct 14, 2025

Growth Rates

Chowder Number 16.0
DGR 1Y 74.5%
DGR 3Y 12.6%
DGR 5Y 12.3%
DGR 10Y 15.1%

Total Returns

TTR 1Y - With Specials 4.0%
TTR 3Y - With Specials 12.8%
TTR 1Y - No Specials 4.0%
TTR 3Y - No Specials 12.8%

Fair Value

Fair Value (P/E 10) $145.57
FV (P/E 10) % 25.0%
Fair Value (Peter Lynch) $77.40
FV (Peter Lynch) % 136.0%
Fair Value (Blended) $155.46
FV (Blended) % 17.0%

Financial Metrics

Revenue 1Y 0.3%
NPM 27.3%
ROE 11.5%
Debt/Capital 51.0%
ROTC 5.2%
P/E 11.8x
P/BV 1.2x
PEG 0.99
📊 Financial data last updated: October 16, 2025 12:07 pm

Calculate your PNC Dividend Returns

Quickly and easily calculate PNC dividend yield using our PNC calculator. Adjust the fields below to see how your PNC investments snowball over time.

Show Idealized Scenario (Assumes all future extra investments and dividends are made on Day 1 and reinvested instantly — this creates a best-case scenario for compounding growth.)

Portfolio Growth Over Time

Data last updated: October 15, 2025 4:06 pm

Year-by-Year Portfolio Growth (Realistic DRIP Scenario)

YearStart BalanceStart SharesShare PriceDividend / ShareDividend YieldYield on CostAnnual DividendTotal DividendsEnd SharesEnd Balance
1$10,00054$186.08$1.703.65%3.65%$398$39862$11,598
2$12,50262$200.57$1.923.82%4.12%$514$91271$14,216
3$15,32371$216.20$2.164.00%4.65%$653$1,56579$17,176
4$18,51479$233.05$2.444.19%5.24%$819$2,38488$20,533
5$22,13388$251.20$2.754.38%5.92%$1,019$3,40397$24,352
6$26,25097$270.78$3.104.59%6.67%$1,259$4,662106$28,709
7$30,946106$291.87$3.504.80%7.53%$1,548$6,210115$33,694
8$36,319115$314.61$3.955.02%8.49%$1,896$8,107125$39,415
9$42,486125$339.12$4.455.25%9.57%$2,316$10,423136$46,002
10$49,586136$365.55$5.025.50%10.80%$2,824$13,247147$53,611

PNC Dividend History

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
10/14/202510/14/2025$1.703.48%3.58%$189.73
07/15/202507/15/2025$1.703.38%3.54%$192.14
04/16/202504/16/2025$1.604.22%4.22%$151.54
01/15/202501/15/2025$1.603.17%3.19%$200.44
10/16/202410/16/2024$1.603.32%3.37%$189.93
07/15/202407/15/2024$1.603.70%3.79%$169.02
04/12/202404/12/2024$1.554.12%4.12%$150.63
01/12/202401/12/2024$1.554.13%4.16%$148.92
10/16/202310/16/2023$1.555.16%5.25%$118.13
07/14/202307/14/2023$1.554.81%4.93%$125.79
04/17/202304/17/2023$1.504.80%4.80%$125.09
01/13/202301/13/2023$1.503.66%3.66%$164.00
10/14/202210/14/2022$1.503.84%4.01%$149.70
07/12/202207/12/2022$1.503.50%3.82%$157.09
04/12/202204/12/2022$1.502.92%3.34%$179.75
01/14/202201/14/2022$1.252.21%2.25%$222.20
10/14/202110/14/2021$1.252.37%2.47%$202.50
07/15/202107/15/2021$1.252.48%2.64%$189.50
04/15/202104/15/2021$1.152.63%2.63%$174.79
01/15/202101/15/2021$1.152.97%2.97%$154.78
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PNC 10-yr Total Return ($10,000 invested)

This analysis of PNC demonstrates the power of dividend reinvestment over a 10-year period with a $10,000 initial investment. The dividend reinvestment strategy delivered a 12.0% CAGR, representing strong long-term performance. The DRIP strategy provided 20% more total return compared to collecting dividends as cash, highlighting the compounding effect of reinvestment.

With DRIP No DRIP

Total Return with and without DRIP (PNC)

Over the selected period, investing $10,000 in PNC would grow to $43,834 with DRIP (338.3%), and $37,327 without DRIP (273.3%).

PNC Dividend Reinvestment Snowball

Investing $10,000 + $100/mo in PNC with historic price growth (7.57%) and dividend growth (12.79%) produces dramatically different outcomes depending on whether you reinvest dividends.

After 20 Years

Your Investment: $34,000

With DRIP

Portfolio: $264,267

Annual Dividend: $25,432

Yield on Cost: 74.80%

Total Dividends: $113,508

No DRIP

Portfolio: $156,499

Total Dividends: $58,934

After 30 Years

Your Investment: $46,000

With DRIP

Portfolio: $1,750,482

Annual Dividend: $270,620

Yield on Cost: 588.30%

Total Dividends: $1,038,140

No DRIP

Portfolio: $460,338

Total Dividends: $240,164

Milestones on the way

By year 13, the compounding really starts to show. Your total dividends collected reach $26,177 against a total investment of $25,600. At this point, your portfolio is throwing off $6,055 per year in dividends alone.

By year 17, the annual dividend climbs to around your initial contribution. For a starting investment of $10,000, the yearly dividend now sits at approximately $13,558, a powerful “income on autopilot” milestone.

After two decades, cumulative dividends total $113,508 versus $34,000 invested, nearly a 334% recovery of capital purely from income. Yield on cost reaches 74.80%.

At year 25, the income engine takes over. The portfolio’s annual dividend of $78,007 is greater than total contributions to date ($40,000), and cumulative dividends exceed $329,597.

By year 30, the DRIP snowball is in full force. Yearly income reaches $270,620, cumulative dividends total $1,038,140, and the DRIP portfolio value stands at $1,750,482, compared with $460,338 if dividends weren’t reinvested.

How we estimate these numbers

We use the latest calculator inputs for PNC, price $182.34, dividend per period $1.70 (4×/year), along with historic growth assumptions: price growth 7.57% and dividend growth 12.79% annually.

We simulate month by month for 30 years. Every month, a $100 contribution is added and converted to shares at that month’s price. Dividends are paid roughly evenly across the year based on the dividend frequency; in the DRIP path, each payout immediately buys additional shares at the then-current price. In the No‑DRIP path, dividends accrue as cash. Prices grow using a monthly rate derived from the annual price growth. Dividends per share increase once per year at the annual dividend growth rate.

This model isn’t investment advice; it’s a simple, transparent framework that illustrates how reinvesting dividends can accelerate both income and total return over time.

Projected Future Returns & Dividends for PNC

Based on past 10-year performance, here are PNC growth metrics:

Share price CAGR of +9.02%
Dividend CAGR of +12.63%

Using PNC CAGR metrics, we can estimate that your initial $10,000 investment, over the next 10 years, should grow as follows:

PNC (DRIP)PNC (No DRIP)
Current Price$186.08$186.08
Start Shares53.7453.74
Start Value$10,000$10,000
After 10 years:
Final Share Count82.5853.74
Dividends Payment$22.33$22.33
Annual Dividends$1,755$1,200
Yield on cost17.55%12.00%
Share Price$441.19$441.19
Total Dividends$9,367$7,445
Final Value$36,434$31,155

Estimated Future Value + Dividends – PNC

Dividend History: Payments & Yield

Shows quarterly dividend payments with trailing yield and a 5-year rolling average overlay. Use the range pills to switch the visible period.

Yield Dividend

Dividend Growth

Lifetime quarterly dividend amounts, with range controls for 1Y/2Y/5Y/10Y. Useful to visualize the cadence and pace of dividend increases over time.

Dividend

Dividend Payments & Yield

Quarterly dividends with TTM yield and a 5‑year rolling average overlay. Helps compare current yield versus recent history across different ranges.

Dividend 5-yr Rolling AVG Yield

PNC Dividend History

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
10/14/202510/14/2025$1.703.48%3.58%$189.73
07/15/202507/15/2025$1.703.38%3.54%$192.14
04/16/202504/16/2025$1.604.22%4.22%$151.54
01/15/202501/15/2025$1.603.17%3.19%$200.44
10/16/202410/16/2024$1.603.32%3.37%$189.93
07/15/202407/15/2024$1.603.70%3.79%$169.02
04/12/202404/12/2024$1.554.12%4.12%$150.63
01/12/202401/12/2024$1.554.13%4.16%$148.92
10/16/202310/16/2023$1.555.16%5.25%$118.13
07/14/202307/14/2023$1.554.81%4.93%$125.79
04/17/202304/17/2023$1.504.80%4.80%$125.09
01/13/202301/13/2023$1.503.66%3.66%$164.00
10/14/202210/14/2022$1.503.84%4.01%$149.70
07/12/202207/12/2022$1.503.50%3.82%$157.09
04/12/202204/12/2022$1.502.92%3.34%$179.75
01/14/202201/14/2022$1.252.21%2.25%$222.20
10/14/202110/14/2021$1.252.37%2.47%$202.50
07/15/202107/15/2021$1.252.48%2.64%$189.50
04/15/202104/15/2021$1.152.63%2.63%$174.79
01/15/202101/15/2021$1.152.97%2.97%$154.78
10/15/202010/15/2020$1.154.20%4.20%$109.56
07/16/202007/16/2020$1.154.38%4.38%$104.99
04/15/202004/15/2020$1.154.98%4.98%$92.43
01/16/202001/16/2020$1.152.88%3.01%$152.62
10/16/201910/16/2019$1.152.97%3.25%$141.46
07/18/201907/18/2019$1.152.88%3.31%$138.88
04/15/201904/15/2019$0.9502.90%2.90%$131.06
01/16/201901/16/2019$0.9502.97%3.14%$121.21
10/16/201810/16/2018$0.9502.72%3.04%$124.85
07/16/201807/16/2018$0.9502.27%2.70%$140.89
04/13/201804/13/2018$0.7502.06%2.06%$145.46
01/16/201801/16/2018$0.7501.84%1.97%$152.26
10/16/201710/16/2017$0.7501.93%2.22%$135.03
07/13/201707/13/2017$0.7501.89%2.36%$127.32
04/12/201704/12/2017$0.5501.90%1.90%$116.00
01/12/201701/12/2017$0.5501.83%1.87%$117.93
10/13/201610/13/2016$0.5502.41%2.50%$87.94
07/14/201607/14/2016$0.5502.51%2.66%$82.86
04/13/201604/13/2016$0.5102.40%2.40%$85.17
01/14/201601/14/2016$0.5102.35%2.35%$86.87
10/13/201510/13/2015$0.5102.27%2.30%$88.63
07/13/201507/13/2015$0.5102.04%2.10%$96.93
04/13/201504/13/2015$0.5102.09%2.19%$93.32
01/13/201501/13/2015$0.4802.27%2.27%$84.52
10/10/201410/10/2014$0.4802.30%2.35%$81.73
07/11/201407/11/2014$0.4802.11%2.20%$87.33
04/11/201404/11/2014$0.4802.22%2.37%$81.14
01/13/201401/13/2014$0.4402.27%2.27%$77.37
10/10/201310/10/2013$0.4402.37%2.42%$72.62
07/11/201307/11/2013$0.4402.27%2.38%$74.10
04/12/201304/12/2013$0.4402.49%2.67%$65.81
01/11/201301/11/2013$0.4002.66%2.66%$60.05
10/12/201210/12/2012$0.4002.47%2.55%$62.73
07/13/201207/13/2012$0.4002.44%2.61%$61.42
04/13/201204/13/2012$0.4002.37%2.61%$61.28
01/12/201201/12/2012$0.3502.25%2.25%$62.09
10/17/201110/17/2011$0.3502.35%2.86%$49.01
07/14/201107/14/2011$0.3501.57%2.45%$57.26
04/14/201104/14/2011$0.3501.05%2.26%$61.87
01/12/201101/12/2011$0.1000.64%0.64%$62.20
10/13/201010/13/2010$0.1000.76%0.76%$52.92
07/12/201007/12/2010$0.1000.65%0.65%$61.49
04/09/201004/09/2010$0.1000.62%0.62%$64.80
01/13/201001/13/2010$0.1000.70%0.70%$57.04
10/08/200910/08/2009$0.1002.17%0.90%$44.29
07/09/200907/09/2009$0.1004.16%1.09%$36.58
04/08/200904/08/2009$0.1006.50%1.25%$31.98
01/14/200901/14/2009$0.6606.08%6.08%$43.42
10/08/200810/08/2008$0.6603.85%3.90%$67.75
07/09/200807/09/2008$0.6604.66%4.77%$55.35
04/10/200804/10/2008$0.6603.94%4.08%$64.70
01/09/200801/09/2008$0.6304.06%4.06%$62.10
10/10/200710/10/2007$0.6303.46%3.58%$70.46
07/11/200707/11/2007$0.6303.31%3.54%$71.20
04/11/200704/11/2007$0.6303.17%3.50%$72.03
01/10/200701/10/2007$0.5502.93%2.93%$74.97
10/11/200610/11/2006$0.5503.05%3.12%$70.50
07/12/200607/12/2006$0.5503.02%3.16%$69.53
04/11/200604/11/2006$0.5503.10%3.33%$66.07
01/11/200601/11/2006$0.5003.10%3.10%$64.48
10/12/200510/12/2005$0.5003.60%3.60%$55.49
07/13/200507/13/2005$0.5003.61%3.61%$55.33
04/12/200504/12/2005$0.5003.89%3.89%$51.35
01/12/200501/12/2005$0.5003.61%3.61%$55.33
10/13/200410/13/2004$0.5003.76%3.76%$53.21
07/12/200407/12/2004$0.5003.79%3.79%$52.80
04/12/200404/12/2004$0.5003.62%3.66%$54.72
01/12/200401/12/2004$0.5003.65%3.72%$53.70
10/08/200310/08/2003$0.5003.96%4.08%$49.05
07/09/200307/09/2003$0.4803.92%3.92%$48.92
04/09/200304/09/2003$0.4804.54%4.54%$42.32
01/09/200301/09/2003$0.4804.27%4.27%$44.95
10/09/200210/09/2002$0.4805.28%5.28%$36.35
07/10/200207/10/2002$0.4804.13%4.13%$46.52
04/10/200204/10/2002$0.4803.22%3.22%$59.60
01/09/200201/09/2002$0.4803.21%3.21%$59.78
10/10/200110/10/2001$0.4803.47%3.47%$55.28
07/11/200107/11/2001$0.4803.06%3.06%$62.84
04/10/200104/10/2001$0.4802.83%2.87%$66.80
01/10/200101/10/2001$0.4802.62%2.70%$71.13
10/11/200010/11/2000$0.4802.99%3.14%$61.19
07/12/200007/12/2000$0.4503.52%3.52%$51.19
04/12/200004/12/2000$0.4503.72%3.80%$47.31
01/12/200001/12/2000$0.4504.10%4.29%$42.00
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Dividend Payout Ratio

Tracks the percentage of earnings paid out as dividends each quarter. Lower and stable ratios often indicate safer, more sustainable payouts.

Payout Ratio

Dividend to Free Cash Flow Ratio

Shows dividends as a percentage of free cash flow. Consistently high values may signal limited reinvestment capacity or potential dividend risk.

Dividend/FCF Ratio

Share Price

Historical closing price with range controls. Table view includes quarter‑over‑quarter and year‑over‑year changes for additional context.

PNC Price

Price to Earnings

PNC trades at a 47.2x price-to-earnings ratio. This elevated valuation suggests investors expect strong future growth.

Price to Sales

PNC trades at a 13.8x price-to-sales ratio, providing insight into market valuation relative to revenue generation.

Revenue

PNC generated $5.9B in revenue. Revenue has grown by 23% over the period.

Net Income

PNC reported $1.7B in net income. Net income has grown by 27% over the period.

Revenue vs Net Income

PNC generated $5.9B in revenue with net income of $1.7B, representing a 29.1% net profit margin.

Gross Profit

PNC achieved $4.6B in gross profit, showing revenue after direct production costs.

Operating Income

PNC generated $2.1B in operating income, representing profit from core business operations.

EBITDA

PNC generated $2.4B in EBITDA, measuring operational profitability before interest, taxes, depreciation, and amortization.

Operating Cash Flow

PNC generated $2.0B in operating cash flow, demonstrating the company’s ability to convert earnings into cash.

Free Cash Flow

PNC generated $1.8B in free cash flow. Free cash flow has increased by 27% over the period.

Free Cash Flow / Share

PNC generates $4.52 in free cash flow per share. FCF per share has grown by 27% over the period.

Earnings Per Share (EPS)

PNC reported $4.39 in earnings per share. EPS has grown by 27% over the period.

Return on Equity (ROE)

PNC delivered a 24.3% return on equity, indicating how effectively the company generates returns for shareholders.

Return on Assets (ROA)

PNC achieved a 14.6% return on assets, measuring how efficiently the company uses its assets to generate profit.

Net Profit Margin

PNC maintains a 29.1% net profit margin, showing the percentage of revenue retained as profit after all expenses.

Gross Profit Margin

PNC operates with a 78.2% gross profit margin, reflecting pricing power and cost efficiency in core operations.

Cash & Debt

PNC holds $0.9B in cash against $0.3B in debt, resulting in a net cash position of $0.6B.

Shares Outstanding

PNC has 0.4B shares outstanding.

Stock-Based Comp

PNC reported $0.1B in stock-based compensation. Over the period, stock-based compensation has increased by 23%.

FCF vs Stock Based Comp

PNC generated $1.8B in free cash flow while spending $0.1B on stock-based compensation, representing 8% of FCF.

FCF vs FCF / Share

PNC reported $1.8B in free cash flow, translating to $4.52 per share.

Revenue: Actual + Estimates

This chart tracks PNC revenue: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

EPS: Actual + Estimates

This chart tracks PNC eps: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

Net Income: Actual + Estimates

This chart tracks PNC net income: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

EBITDA: Actual + Estimates

This chart tracks PNC ebitda: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

Disclaimer: The information on this page is for educational and entertainment purposes only and does not constitute financial advice. Do your own research and consult a qualified financial advisor before making investment decisions. Data sources include Yahoo Finance and other third-party providers and may contain errors or delays.

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