BNY
BNY Mellon
$157.97
▼ 0.5%Updated Today 11:30 AM ET
BNY at a glance — five pillars scored 0–100 from real filed financials.
Overall: 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.
▲ Up 56.8% over the last 12 months
Market Cap
$100.64B
P/E
19.68x
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
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 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 $157.97, 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 (~2.2% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month BNY found buyers near $139.68 (support) and sellers near $148.50 (resistance); its 52-week range is $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. It updates daily as the price and indicators change.
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.
Gross Margin
—
Operating Margin
—
Net Margin
27.6%
ROE
—
Total Debt
$32.58B
Net Debt
$26.19B
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 $32.58B of total debt against $6.39B of cash.
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.
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
The 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.
P/E
19.68x
P/S
—
P/B
0.01x
EV / EBITDA
—
BNY trades at 19.7x 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.
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
DCF fair value / share
$129.50
Current price
$157.97
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.
Where BNY sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How BNY stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (289 S&P 500 companies), BNY ranks #57 of 289 by our overall rating. It trades at a premium versus the sector on earnings (19.7x P/E vs. 15.8x median).
P/E vs sector
19.7x
median 15.8x
ROE vs sector
—
median 13.6%
Growth vs sector
—
median 15.9%
Sector rank
#57
of 289 by rating
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. Sector median is across all 289 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $157.97 today · expected CAGR -0% – 10%
| 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 | $9.53 | $10.29 | $11.12 | $12.01 | $12.97 |
| Share price (low) | $114.38 | $123.53 | $133.41 | $144.08 | $155.61 |
| Share price (high) | $190.63 | $205.88 | $222.35 | $240.14 | $259.35 |
| CAGR (low–high) | -28% / 21% | -12% / 14% | -5% / 12% | -2% / 11% | -0% / 10% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
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.
The case against BNY:
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
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.
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 19.7x 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 (August 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Analysts have turned more cautious over the last three months (-3 pts of buy ratings).
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.
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 grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — 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.