BNY Stock Analysis: The Bank of New York Mellon | NYSE
Banks - Diversified | NYSE, USA | Market Cap: 99.401m USD | 12M Return: 38.5% | US0640581007 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 535M
EPS Trend: 99.5%
Qual. Beats: 14
Rev. Trend: 52.4%
Warnings
No concerns identified
Tailwinds
Seasonality 11.8 years of data, until 10/2026
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 is strong.
The Bank of New York Mellon Corporation (NYSE: BNY) is a diversified U.S. financial services company headquartered in New York and founded in 1784, making it one of the oldest banks in the country. It operates through four business segments: Securities Services, Market and Wealth Services, Investment and Wealth Management, and Other (which includes corporate treasury and investment activities).
The Securities Services segment is the companys largest, providing custody, trust and depositary services, accounting, ETF servicing, transfer agency, securities lending, and data analytics. The Market and Wealth Services segment offers clearing, prime brokerage, cash management, payments, and trade finance. The Investment and Wealth Management segment delivers investment management, wealth and estate planning, private banking, and information management services. BNY serves a broad institutional and individual clientele, including central banks, sovereigns, asset managers, insurance companies, corporations, local authorities, and high net-worth individuals.
BNY is classified under the GICS Diversified Banks sub-industry within the Financials sector, reflecting its multi-line business model that spans asset servicing, asset management, and treasury services. Its role as a major custodian and securities services provider positions it as a key participant in global financial market infrastructure.
- Higher rates boost net interest income and margin
- Assets under custody and management fees scale with global markets
- Capital return expands through buybacks and dividends
| Net Income: 6.54b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.05 > 1.0 |
| NWC/Revenue: -620.0% < 20% (prev -448.3%; Δ -171.6% < -1%) |
| CFO/TA 0.02 > 3% & CFO 9.37b > Net Income 6.54b |
| Net Debt (-43.6b) to EBITDA (10.1b): -4.33 < 3 |
| Current Ratio: 0.46 > 1.5 & < 3 |
| Outstanding Shares: last quarter (686.9m) vs 12m ago -2.53% < -2% |
| Gross Margin: 61.26% > 18% (prev 48.01%; Δ 13.25% > 0.5%) |
| Asset Turnover: 7.54% > 50% (prev 8.87%; Δ -1.33% > 0%) |
| Interest Coverage Ratio: 0.46 > 6 (EBIT TTM 8.31b / Interest Expense TTM 18.2b) |
| A: -0.45 (Total Current Assets 190b - Total Current Liabilities 412b) / Total Assets 494b |
| B: 0.10 (Retained Earnings 50.1b / Total Assets 494b) |
| C: 0.02 (EBIT TTM 8.31b / Avg Total Assets 475b) |
| D: 0.10 (Book Value of Equity 43.6b / Total Liabilities 450b) |
| Altman-Z'' = -2.40 = D |
| DSRI: 3.0 (Receivables 31.4b/7.15b, Revenue 35.8b/40.4b) |
| GMI: 0.78 (GM 48.01% / 61.26%) |
| AQI: 1.01 (AQ_t 0.61 / AQ_t-1 0.60) |
| SGI: 0.89 (Revenue 35.8b / 40.4b) |
| TATA: -0.01 (NI 6.54b - CFO 9.37b) / TA 494b) |
| Beneish M = -1.65 (Cap -4..+1) = CCC |
As of November 11, 2026, the stock is trading at USD 151.14 with a total of 2,619,212 shares traded. Over the past week, the price has changed by +1.23%, over one month by +6.26%, over three months by -4.79% and over the past year by +38.51%.
Current recommended Stop Loss: 142.30 (which is 5.8% or 2.5 ATR below the current price).
The Bank of New York Mellon has received a consensus analysts rating of 3.88. Therefore, it is recommended to buy BNY.
- StrongBuy: 6
- Buy: 3
- Hold: 8
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 163.7 | 8.3% |
P/E Trailing = 16.3588
P/E Forward = 14.2653
P/S = 4.5178
P/B = 2.5282
P/EG = 1.0812
Revenue TTM = 35.8b USD
EBIT TTM = 8.31b USD
EBITDA TTM = 10.1b USD
Long Term Debt = 34.3b USD (from longTermDebt, last quarter)
Short Term Debt = 6.84b USD (from shortTermDebt, last quarter)
Debt = 40.2b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -43.6b USD (calculated: Debt 40.2b - CCE 83.7b)
Enterprise Value = 55.8b USD (99.4b + Debt 40.2b - CCE 83.7b)
Interest Coverage Ratio = 0.46 (Ebit TTM 8.31b / Interest Expense TTM 18.2b)
EV/FCF = 9.83x (Enterprise Value 55.8b / FCF TTM 5.68b)
FCF Yield = 10.17% (FCF TTM 5.68b / Enterprise Value 55.8b)
FCF Margin = 15.86% (FCF TTM 5.68b / Revenue TTM 35.8b)
Net Margin = 18.28% (Net Income TTM 6.54b / Revenue TTM 35.8b)
Gross Margin = 61.26% ((Revenue TTM 35.8b - Cost of Revenue TTM 13.9b) / Revenue TTM)
Gross Margin QoQ = none% (prev 55.99%)
Tobins Q-Ratio = 0.11 (Enterprise Value 55.8b / Total Assets 494b)
Interest Expense / Debt = 45.29% (Interest Expense 18.2b / Debt 40.2b)
Taxrate = 20.88% (1.74b / 8.31b)
NOPAT = 6.58b (EBIT 8.31b * (1 - 20.88%))
Current Ratio = 0.44 (Total Current Assets 190b / Total Current Liabilities 435b)
Debt / Equity = 0.92 (Debt 40.2b / totalStockholderEquity, last quarter 43.6b)
Debt / EBITDA = -4.33 (Net Debt -43.6b / EBITDA 10.1b)
Debt / FCF = -7.67 (Net Debt -43.6b / FCF TTM 5.68b)
Total Stockholder Equity = 44.3b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.38% (Net Income 6.54b / Total Assets 494b)
RoE = 14.76% (Net Income TTM 6.54b / Total Stockholder Equity 44.3b)
RoCE = 10.57% (EBIT 8.31b / Capital Employed (Equity 44.3b + L.T.Debt 34.3b))
RoIC = 1.34% (NOPAT 6.58b / Invested Capital 492b)
WACC = 16.69% (E(99.4b)/V(140b) * Re(8.96%) + D(40.2b)/V(140b) * Rd(45.29%) * (1-Tc(0.21)))
Discount Rate = 8.96% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -98.47 | Cagr: -3.92%
[DCF] Terminal Value 52.64% ; FCFF base≈5.58b ; Y1≈5.81b ; Y5≈6.61b
[DCF] Fair Price = 127.0 (EV 41.9b - Net Debt -43.6b = Equity 85.5b / Shares 672.9m; r=16.69% [WACC]; 5y FCF grow 4.36% → 2.50% )
EPS Correlation: 99.54 | EPS CAGR: 24.77% | SUE: 1.34 | # QB: 14
Revenue Correlation: 52.39 | Revenue CAGR: 3.63% | SUE: N/A | # QB: 0
EPS current Quarter (2027-03-31): EPS=2.45 | Chg30d=+1.41% | Revisions=+50% | Analysts=9
EPS current Year (2026-12-31): EPS=9.43 | Chg30d=+1.86% | Revisions=+79% | GrowthEPS=+25.7% | GrowthRev=+12.0%
EPS next Year (2027-12-31): EPS=10.44 | Chg30d=+1.84% | Revisions=+50% | GrowthEPS=+10.7% | GrowthRev=+5.2%
[Analyst] Revisions Ratio: +72% (up=26, down=3)