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Upturn AI Summary - About
The Bank of New York Mellon Corporation(BNY)
Top performer 
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for BNY
11/05/2026: BNY (5-star) is currently NOT-A-BUY. Pass it for now.
The Bank of New York Mellon Corporation is a premier global financial services firm that serves as the infrastructure for much of the world's financial assets. It benefits from a leading position in securities services and asset management, which provides stable, fee-based income. The main growth opportunity lies in its digital transformation and the expansion of its data and analytics services to help institutional clients. However, the company faces risks from intense competition, regulatory headwinds, and the constant need to upgrade legacy systems. BNY is generally suited for value-oriented and dividend-focused investors seeking stability in the financial sector.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers moderate growth rather than high-octane capital appreciation. |
| Momentum investor | Mixed fit | This is a stable, mature financial stock often driven by broader market cycles rather than rapid breakout momentum. |
| Value investor | Strong fit | BNY often trades at reasonable multiples relative to its stable cash flows and market position. |
| Dividend investor | Strong fit | The company is a consistent dividend payer with a sustainable payout ratio. |
| Low-risk investor | Strong fit | As a systemically important financial institution, it offers stability compared to smaller, more volatile sector players. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock can fluctuate with interest rate expectations and equity market sentiment. |
| Valuation risk | Low | The company generally trades at moderate valuation levels consistent with banking industry peers. |
| Competition risk (Banking/Custody) | Medium / high | Intense competition from JPM and STT puts continuous pressure on fee margins. |
| Business quality | Strong | Its role as a major custodian provides an entrenched, high-quality business model. |
| Dividend income | Medium | Dividends are secure but prioritize capital return programs that include share buybacks. |
| Execution risk | Medium | Successful implementation of large-scale digital transformation projects is critical for future competitive standing. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 169.1% | Avg. Invested days 123 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  5.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 11/05/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 102.77B USD | Price to earnings Ratio 16.91 | 1Y Target Price 163.7 |
Price to earnings Ratio 16.91 | 1Y Target Price 163.7 | ||
Volume (30-day avg) 3.8M shares | Beta 1.01 | 52 Weeks Range 103.67 - 165.12 | Updated Date 11/05/2026 |
52 Weeks Range 103.67 - 165.12 | Updated Date 11/05/2026 | ||
Dividends yield (FY) 1.49% | Basic EPS (TTM) 9.03 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Securities Services | Custody, fund administration, and collateral management services. | This is the 'plumbing' of the financial system; BNY gets paid fees to safeguard and manage the paperwork for massive institutional assets. |
| Wealth Management | Investment management and advisory services for high-net-worth clients. | BNY earns management fees based on the amount of client money they are managing. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2026-10-15 | When Before Market | Estimate 2.26 | Actual 2.37 |
Profitability
Profit Margin 29.74% | Operating Margin (TTM) 39.07% |
Management Effectiveness
Return on Assets (TTM) 1.39% | Return on Equity (TTM) 14.87% |
Valuation
Trailing PE 16.91 | Forward PE 14.43 | Enterprise Value 4.33B | Price to Sales(TTM) 4.67 |
Enterprise Value 4.33B | Price to Sales(TTM) 4.67 | ||
Enterprise Value to Revenue 6.73 | Enterprise Value to EBITDA - | Shares Outstanding 672.90M | Shares Floating 671.25M |
Shares Outstanding 672.90M | Shares Floating 671.25M | ||
Percent Insiders 0.24 | Percent Institutions 87.99 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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