Stock Analysis
Bank of New York Mellon CorporationBNY
P/E 15.44×· 5Y range 9.02–18.59×· 73th percentile of history
Sector: Financial Services · Industry: State Commercial Banks
AnalystsBuy21 analystsP/E 15.4× sits at the 73rd percentile of its 5.0513347022587265-year history.
Cash covers 60% of debt · Q2 2026.
PMP Verdict
Mixed fundamentals, fairly valued
Strengths
- Growth70
Risks
- Profitability32
- Quality43
Mixed picture — no clear quality or value edge.
Bull Case
- ✓Revenue CAGR 26.0% — durable top-line growth
What's happening with BNY
Profile
moat, profitability, valuation, earnings quality and financial health lag behind.
How is each axis scored?
- Valuation40/100 · Weak
- P/E vs own history (73th pct)5/25
- FCF yield (1.6%)5/25
- P/S (2.4x)20/25
- EV/EBIT (n/a)10/25
- Growth70/100 · Moderate
- Revenue CAGR (26.0%)25/25
- Net income CAGR (10.2%)20/25
- EPS CAGR 5Y (15.2%)20/25
- Fwd implied growth (3.1%)5/25
- Profitability32/100 · Weak
- ROIC (n/a)0/25
- ROE (13.9%)12/25
- Net margin (15.5%)20/25
- Operating margin (n/a)0/25
- Financial Health48/100 · Weak
- Altman Z (0.17)3/25
- Current ratio (n/a)0/25
- Interest coverage (no interest expense)25/25
- Net cash / debt (D/A 7%)20/25
- Quality43/100 · Weak
- Piotroski F (5/9)15/25
- Beneish M (-2.46)20/25
- FCF conversion (25%)8/25
- Margin stability (n/a)0/25
- Moat28/100 · Weak
- ROIC >12% years (n/a)0/25
- Median gross margin (n/a)0/25
- FCF-positive years (7/9 yrs)10/25
- Worst-year net margin (worst 9.7%)18/25
Risk Flags
- ⚠Altman Z 0.2 — distress-zone balance sheet
About Bank of New York Mellon Corporation
Bank of New York Mellon is a global investment company involved in managing and servicing financial assets throughout the investment lifecycle. Show more
The bank provides financial services for institutions, corporations, and individual investors, delivering investment management and services in 35 countries and more than 100 markets. BNY is the largest global custody bank in the world, with $59.3 trillion in under custody or administration (as of December 2025), and can act as a single point of contact for clients looking to create, trade, hold, manage, service, distribute, or restructure investments. BNY's asset-management division manages about $2.2 trillion in assets.
Headquarters: NEW YORK, NY · Employees: 46,500 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
40D+P/E (TTM)15.6xB
Grade B: FairPrice / TTM EPS (own statements) — vs own 5Y history: 9.0x–18.6x · 73rd pct
P/FCF13.7xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative · Elevated investment — CapEx = 55% of operating cash flow, weighing on reported FCF
FCF Yield1.6%C
Grade C: LowTTM (OCF − CapEx) / Market Cap — vs own 5Y history: -8.0%–45.8% · 30th pct · Elevated investment — CapEx = 55% of operating cash flow, weighing on reported FCF
P/S (TTM)2.41xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 1.1x–3.5x · 83rd pct
EV/EBITDA—
Enterprise value / EBITDA (Finnhub) — capital-structure neutral
EV/Sales—
Enterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E15.1xB
Grade B: FairPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio2.16xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.50A
Grade A: CheapFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield1.93%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio28.3%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Elevated investment: Elevated investment — CapEx = 55% of operating cash flow, weighing on reported FCF
Profitability
32DROIC—
NOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE13.9%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA1.3%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin15.5%A
Grade A: HighNet Income / Revenue
Operating Margin—
TTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin3.9%D
Grade D: LowFCF / Revenue · Elevated investment — CapEx = 55% of operating cash flow, weighing on reported FCF
True FCF Margin3.9%D
Grade D: LowTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost · Elevated investment — CapEx = 55% of operating cash flow, weighing on reported FCF
Growth
70B+Revenue CAGR26.0%A
Grade A: HighCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR10.2%C
Grade C: OkCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)15.2%A
Grade A: HighCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth3.1%B
Grade B: LowAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-22.8%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue—
TTM stock-based comp / TTM Revenue
Financial Health
48D+Altman Z-Score0.17D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage—
EBIT/Interest. >10 Strong
Debt Repayment22.4yD
Grade D: SlowYears to repay net debt via FCF · Elevated investment — CapEx = 55% of operating cash flow, weighing on reported FCF
Net Debt/EBIT—
Leverage. <2x Low, >4x High
Debt/Equity1.99xC
Grade C: MedDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.60xC
Grade C: PartialCash covers how much of total debt. >1 = could repay all debt from cash
Quality
43D+Piotroski F-Score5/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.46A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion25.3%D
Grade D: PoorFCF / Net Income · Elevated investment — CapEx = 55% of operating cash flow, weighing on reported FCF
Margin Stability—
EBIT margin std deviation. Lower = stable
Capex / Revenue4.9%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover—
Revenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Robinson Elizabeth Filed | Robinson Elizabeth | Grant / award | +74 | |
O'CONNOR SANDRA Filed | O'CONNOR SANDRA | Grant / award | +191 | |
Echevarria Joseph Filed | Echevarria Joseph | Grant / award | +625 | |
Goldstein Jeffrey A Filed | Goldstein Jeffrey A | Grant / award | +287 | |
Minaya Jose Filed | Minaya Jose | SellOpen market sale | -930 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Minaya Jose Filed | Minaya Jose | SellOpen market sale | -2590 | |
McCarthy J Kevin Filed | McCarthy J Kevin | Gift | -249 | |
McDonogh Dermot Filed | McDonogh Dermot | SellOpen market sale | -7200 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
28EROIC >12% Years—
Share of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years7/9 yrsD
Grade D: WeakShare of completed fiscal years with positive free cash flow
Net Margin Floor9.7%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$9.28
Own TTM net income / shares — same earnings basis as P/E
Cash / Share—
Cash & short-term investments per share (Finnhub)
Book Value / Share$65.83
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$90.12B
Total debt obligations (short + long term)
Cash & Equiv.$54.42B
Cash and short-term investments
Net Debt$35.70B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$45.35B
Shareholders' equity (book value)
Asset / Liability—
Total Assets / Total Liabilities
Market
Market Cap$98.04B
Current Market Capitalization
Beta1.02B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 16, 2026
Key Insights: Bank of New York Mellon Corporation (BNY)
BNY is up 0.85% at the last close. Piotroski F-Score of 5/9 indicates mixed fundamentals for Bank of New York Mellon Corporation. Altman Z-Score of 0.17 is below the 1.81 distress threshold — an elevated financial-risk flag.
- Beneish M-Score of -2.46 suggests a low likelihood of earnings manipulation.
- Revenue has compounded at roughly 26% annually, with net income growing about 10% per year — a strong growth profile.
- Takes ~22.4 years to repay net debt from free cash flow.
See how BNY ranks on the Capex Tracker — top 50 capital spenders compared.
Earnings
View earnings calendar →Recent Earnings Results
| Date | Time | EPS Est. | EPS Actual | Surprise | Rev Est. | Rev Actual |
|---|---|---|---|---|---|---|
| Oct 15, 2026 | Pre-Mkt | $2.28 | — | — | $5.6B | — |
Recent Market Moves
See all BNY moves →Frequently Asked Questions about BNY
What is the current Bank of New York Mellon Corporation (BNY) stock price?
BNY is trading at $143.30 at the last market close, up 0.85% on the session. PreMarketPrice tracks BNY pre-market, intraday and after-hours prices.
Is BNY stock a buy right now?
PreMarketPrice's quantitative model rates Bank of New York Mellon Corporation's financial health at 48/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is BNY stock overvalued?
Bank of New York Mellon Corporation trades at a trailing P/E of 15.6 and our valuation score rates it 40/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Bank of New York Mellon Corporation report earnings?
No confirmed earnings date is currently scheduled for BNY. The Earnings section lists recent reports and updates as dates are announced.
What sector does Bank of New York Mellon Corporation operate in?
Bank of New York Mellon Corporation operates in the Financial Services sector, within the State Commercial Banks industry. The Related Stocks section lists sector peers for comparison.
What does Bank of New York Mellon Corporation do?
Bank of New York Mellon is a global investment company involved in managing and servicing financial assets throughout the investment lifecycle.
About Bank of New York Mellon Corporation (BNY) Stock
Bank of New York Mellon Corporation (BNY) is a US-listed stock operating in the Financial Services sector, specifically the State Commercial Banks industry. As of the latest update, Bank of New York Mellon Corporation is trading at $143.30, up 0.85% on the day with a market capitalization of $98.0 billion. The financial health score for BNY is 48/100, which indicates moderate financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for BNY stock.
BNY Stock Analysis & Key Metrics
On PreMarketPrice, you can track Bank of New York Mellon Corporation (BNY) across multiple dimensions:
- Pre-market price & movement: Real-time BNY stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Earnings calendar: Upcoming and past earnings reports for BNY, including EPS estimates, actual results, and surprise percentages.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for BNY with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Bank of New York Mellon Corporation across multiple reporting periods.
- Financial health score: A composite score of 48/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for BNY.
- Sector peers: Compare BNY against 6 other financial services stocks on key financial metrics.
Is BNY a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Bank of New York Mellon Corporation (BNY) as an investment. The financial health score of 48/100 suggests moderate financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average. Earnings data reveals whether the company is meeting or beating analyst expectations.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Bank of New York Mellon Corporation (BNY) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.