BNY Stock Analysis: The Bank of New York Mellon | NYSE
Banks - Diversified | NYSE, USA | Market Cap: 104.130m USD | 12M Return: 43.2% | US0640581007 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 488M
EPS Trend: 98.7%
Qual. Beats: 13
Rev. Trend: 85.4%
Warnings
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
The Bank of New York Mellon Corporation (BNY) is a large-cap, diversified financial services company headquartered in New York that operates through four segments: Securities Services, Market and Wealth Services, Investment and Wealth Management, and Other. Securities Services is the core franchise, providing custody, trust and depositary services, fund administration, transfer agency, securities lending, foreign exchange, and data analytics. Market and Wealth Services adds clearing, prime brokerage, payments, cash management, and trade finance, while Investment and Wealth Management delivers investment strategies, wealth and estate planning, private banking, and information management. The Other segment houses corporate treasury, trading, and corporate investment activities.
BNY serves central banks and sovereigns, financial institutions, asset managers, insurers, corporations, local authorities, and high-net-worth individuals and family offices. Founded in 1784, it is one of the oldest financial institutions in the United States and is listed on the NYSE. Within the diversified banks industry, BNYs business model is anchored in post-trade infrastructure, where scale, cross-border reach, and asset-servicing capabilities (particularly custody and fund administration) are central competitive drivers rather than traditional lending.
- Securities Services revenue tracks global custody AUM growth
- Investment management fees pressured by passive fund competition
- Net interest margin moves with Federal Reserve rate path
| Net Income: 6.30b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA -0.19 > 1.0 |
| NWC/Revenue: -150.8% < 20% (prev -490.7%; Δ 339.9% < -1%) |
| CFO/TA 0.01 > 3% & CFO 3.57b > Net Income 6.30b |
| Net Debt (-287b) to EBITDA (9.39b): -30.54 < 3 |
| Current Ratio: 0.85 > 1.5 & < 3 |
| Outstanding Shares: last quarter (698.2m) vs 12m ago -3.03% < -2% |
| Gross Margin: 52.52% > 18% (prev 47.07%; Δ 5.46% > 0.5%) |
| Asset Turnover: 8.01% > 50% (prev 8.28%; Δ -0.27% > 0%) |
| Interest Coverage Ratio: 0.41 > 6 (EBIT TTM 7.98b / Interest Expense TTM 19.3b) |
| A: -0.12 (Total Current Assets 351b - Total Current Liabilities 412b) / Total Assets 525b |
| B: 0.09 (Retained Earnings 48.9b / Total Assets 525b) |
| C: 0.02 (EBIT TTM 7.98b / Avg Total Assets 505b) |
| D: 0.09 (Book Value of Equity 44.7b / Total Liabilities 480b) |
| Altman-Z'' = -0.26 = B |
| DSRI: 0.20 (Receivables 1.62b/7.97b, Revenue 40.5b/40.2b) |
| GMI: 0.90 (GM 47.07% / 52.52%) |
| AQI: 0.53 (AQ_t 0.32 / AQ_t-1 0.61) |
| SGI: 1.01 (Revenue 40.5b / 40.2b) |
| TATA: 0.01 (NI 6.30b - CFO 3.57b) / TA 525b) |
| Beneish M = -4.05 (Cap -4..+1) = AAA |
As of September 22, 2026, the stock is trading at USD 153.89 with a total of 3,495,382 shares traded. Over the past week, the price has changed by -2.39%, over one month by -2.90%, over three months by +5.51% and over the past year by +43.16%.
Current recommended Stop Loss: 147.60 (which is 4.1% or 2 ATR below the current price).
The Bank of New York Mellon has received a consensus analysts rating of 3.87. Therefore, it is recommended to buy BNY.
- StrongBuy: 6
- Buy: 2
- Hold: 6
- Sell: 1
- StrongSell: 0
| Analysts Target Price | 167.8 | 9% |
P/E Trailing = 18.0553
P/E Forward = 15.4321
P/S = 4.8625
P/B = 2.6295
P/EG = 1.1694
Revenue TTM = 40.5b USD
EBIT TTM = 7.98b USD
EBITDA TTM = 9.39b USD
Long Term Debt = 32.3b USD (from longTermDebt, last fiscal year)
Short Term Debt = 31.3b USD (from shortTermDebt, last quarter)
Debt = 61.7b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -287b USD (calculated: Debt 61.7b - CCE 348b)
Enterprise Value = 104b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.41 (Ebit TTM 7.98b / Interest Expense TTM 19.3b)
EV/FCF = 65.41x (Enterprise Value 104b / FCF TTM 1.59b)
FCF Yield = 1.53% (FCF TTM 1.59b / Enterprise Value 104b)
FCF Margin = 3.93% (FCF TTM 1.59b / Revenue TTM 40.5b)
Net Margin = 15.56% (Net Income TTM 6.30b / Revenue TTM 40.5b)
Gross Margin = 52.52% ((Revenue TTM 40.5b - Cost of Revenue TTM 19.2b) / Revenue TTM)
Gross Margin QoQ = 55.99% (prev 54.91%)
Tobins Q-Ratio = 0.20 (Enterprise Value 104b / Total Assets 525b)
Interest Expense / Debt = 31.23% (Interest Expense 19.3b / Debt 61.7b)
Taxrate = 20.45% (1.63b / 7.98b)
NOPAT = 6.35b (EBIT 7.98b * (1 - 20.45%))
Current Ratio = 0.85 (Total Current Assets 351b / Total Current Liabilities 412b)
Debt / Equity = 1.38 (Debt 61.7b / totalStockholderEquity, last quarter 44.7b)
Debt / EBITDA = -30.54 (Net Debt -287b / EBITDA 9.39b)
Debt / FCF = -180.1 (out of range, set to none) (Net Debt -287b / FCF TTM 1.59b)
Total Stockholder Equity = 44.4b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.25% (Net Income 6.30b / Total Assets 525b)
RoE = 14.18% (Net Income TTM 6.30b / Total Stockholder Equity 44.4b)
RoCE = 10.40% (EBIT 7.98b / Capital Employed (Equity 44.4b + L.T.Debt 32.3b))
RoIC = 4.46% (NOPAT 6.35b / Invested Capital 142b)
WACC = 15.25% (E(104b)/V(166b) * Re(9.57%) + D(61.7b)/V(166b) * Rd(31.23%) * (1-Tc(0.20)))
Discount Rate = 9.57% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -98.39 | Cagr: -3.83%
[DCF] Terminal Value 51.91% ; FCFF base≈1.91b ; Y1≈1.67b ; Y5≈1.35b
[DCF] Fair Price = 437.6 (EV 10.3b - Net Debt -287b = Equity 297b / Shares 678.5m; r=15.25% [WACC]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 98.69 | EPS CAGR: 22.53% | SUE: 3.34 | # QB: 13
Revenue Correlation: 85.44 | Revenue CAGR: 8.89% | SUE: N/A | # QB: 0
EPS current Quarter (2026-09-30): EPS=2.25 | Chg30d=+0.00% | Revisions=+36% | Analysts=10
EPS current Year (2026-12-31): EPS=9.25 | Chg30d=+0.00% | Revisions=+77% | GrowthEPS=+23.3% | GrowthRev=+10.9%
EPS next Year (2027-12-31): EPS=10.25 | Chg30d=+0.03% | Revisions=+79% | GrowthEPS=+10.8% | GrowthRev=+4.6%
[Analyst] Revisions Ratio: +78% (up=27, down=2)