BNY BNY Mellon
$142.48
▲ 0.3%Updated Oct 16, 2:25 PM ET
Report Card
BNY at a glance — five pillars scored 0–100 from real filed financials.
How the 0–100 rating is calculatedOverall: Favorable · 67/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
Price — Past Year
▲ Up 56.8% in the year to Jul 6, 2026
Key Metrics
Market Cap
$100.64B
P/E
17.65x
Forward P/E (est.)
—
ROE
—
Revenue Growth
—
EPS Growth
—
Profit Margin
—
FCF Yield
—
Debt / Equity
1.2x
ROIC
—
Interest Coverage
—
Current Ratio
—
Dividend Yield
1.5%
Implied Growth (rev. DCF)
3.7%
Rating Score
67/100
Business Overview
BNY Mellon (BNY) is a large-cap company in the Asset Management & Custody Banks industry, part of the Financials sector of the S&P 500, with a market value around $100.64B.
In its latest reported year it generated about $20.08B in revenue and $5.55B in net profit.
Our model rates BNY Favorable (67/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Technical Analysis (Educational)
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what BNY's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. BNY trades near $142.48, above its 50-day average ($139.19) and 200-day average ($121.49). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 60 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently negative — short-term momentum is fading.
Volatility — ATR. Average True Range is the typical daily move. BNY's is $3.50 (~2.5% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. In the month to Jul 6, 2026, BNY found buyers near $139.68 (support) and sellers near $148.50 (resistance); its 52-week range then was $90.58–$148.50. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.6× the 20-day average — lighter than usual, so the move carries less conviction. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. The indicators were last computed on Jul 6, 2026; the price is current.
Revenue Growth
4Y CAGR
6.0%
Revenue moved from $15.13B in 2015 to $20.08B in 2025, a 3.2% compound annual growth rate. The most recent year was roughly steady year over year. Slower, mature growth is common for established businesses.
Profitability
Gross Margin
—
Operating Margin
—
Net Margin
27.6%
ROE
—
Debt Analysis
Total Debt
$30.37B
Net Debt
$22.89B
Net Debt / EBITDA
—
Debt / Equity
1.2x
Leverage: debt-to-equity is 1.2x. That is a moderate, manageable debt load for most businesses. It carries roughly $30.37B of total debt against $7.48B of cash.
Cash Flow Analysis
Operating CF
$6.73B
Free Cash Flow
$5.18B
FCF Margin
25.8%
In the latest year BNY Mellon produced about $6.73B of operating cash flow and $5.18B of free cash flow after capital spending. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
Dividend Safety
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
What to look for in a dividend stockThe payout is comfortably covered by cash the business actually generates, with a raise habit behind it.
Dividend yield
1.5%
Per share (latest FY)
$2.00
Total paid (latest FY)
$1.45B
History on record
9 years
dividend uses 28% of free cash flow
26% of net income paid out
total dividends increased 5 years in a row
no cuts in the last 9 years on record
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
Valuation Analysis
P/E
17.65x
P/S
—
P/B
0.01x
EV / EBITDA
—
BNY trades at 17.6x trailing earnings, and 0.0x book value. Reverse-engineering today's price implies the market expects roughly 3.7% long-term free-cash-flow growth. That is a fairly typical valuation for a profitable company.
DCF Fair Value (Educational)
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
How this DCF estimate is calculatedDCF fair value / share
$131.00
Current price
$142.48
Starting FCF (latest 10-K)
$5.18B
Growth, years 1–5
4.0%
Fade to terminal, years 6–10
2.5%
Discount rate
9.0%
Cash flows grow at the stage-1 rate (trailing revenue growth, capped at 20%) for five years, fade to 2.5% by year 10, and continue at that rate forever (Gordon terminal value), all discounted at 9.0%. Small changes in assumptions move the result a lot — treat this as one reference point, not a target price. Educational only, not investment advice.
Metrics vs. Sector Range
Where BNY sits versus the Financials companies we cover.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in our coverage that have fundamentals data — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
Sector Peer Comparison
How BNY stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
Among the 141 rated Financials companies we cover, BNY ranks #55 by our overall rating. It trades at a premium versus the sector on earnings (17.6x P/E vs. 14.9x median).
P/E vs sector
17.6x
median 14.9x
ROE vs sector
—
median 13.6%
Growth vs sector
—
median 15.9%
Sector rank
#55
of 141 rated
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size, preferring ones with full data. Sector medians and rank use the 141 rated companies among the 289 Financials stocks we cover. Educational, not a recommendation.
5-Year Projection Model
Project revenue → earnings → price. Edit the assumptions to build your own case.
What drives this projection, and its limits2030 scenario price range (Base Case)
$128.66 – $210.53
vs. $142.48 today · implied CAGR -2% – 8%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $21.69B | $23.42B | $25.30B | $27.32B | $29.50B |
| Net income | $6.07B | $6.56B | $7.08B | $7.65B | $8.26B |
| EPS | $8.60 | $9.28 | $10.03 | $10.83 | $11.70 |
| Share price (low) | $94.57 | $102.13 | $110.30 | $119.13 | $128.66 |
| Share price (high) | $154.74 | $167.12 | $180.49 | $194.93 | $210.53 |
| CAGR (low–high) | -34% / 9% | -15% / 8% | -8% / 8% | -4% / 8% | -2% / 8% |
Educational scenario model, not a forecast or investment advice. It starts from the latest annual revenue in SEC filings. By default, growth is trailing revenue growth (held between 3% and 45% a year), the net margin is the latest one (held between 3% and 50%, so a loss-making company is modeled with a small profit), and the Base case P/E runs from 60% to 100% of today's. Carrying recent growth forward five years can miss badly in either direction. Outputs are only as good as the assumptions. Growth, margin or P/E data is missing for this stock, so some starting values above are placeholders rather than measurements.
Bull Case
The case for BNY:
- Our model's overall read is Favorable (67/100).
- As an established S&P 500 member in Financials, it brings scale and a long operating history.
Bear Case
The case against BNY:
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Key Risks
Balance-sheet risk — debt/equity of 1.2x magnifies the impact of higher rates or weaker earnings.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
Investment Thesis
On balance, the fundamentals screen favourably: BNY Mellon is a large-cap financials business growing at a mature pace, with modest profitability, and a heavier debt load to watch. It trades at 17.6x earnings, which our model scores Favorable (67/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 21 Wall Street analysts covering BNY recommend (September 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Latest SEC Filings
BNY's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen. How to read a 10-K
BNY — frequently asked questions
Is BNY a good stock to buy?
We don't give buy or sell advice. Our model rates BNY Mellon Favorable (67/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is BNY's rating on The Stocks School?
BNY Mellon currently scores 67/100 (Favorable) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does BNY's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from BNY Mellon's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for BNY calculated?
It's a scenario model. It starts from the latest annual revenue and net margin in SEC filings, grows revenue at an assumed rate (trailing revenue growth by default), and applies a P/E range built around today's multiple to show the resulting share-price range. When a stock has no growth or P/E data, the starting values are placeholders. It's a tool for thinking, not a prediction.
Is this BNY analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell BNY. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.