The Bank of New York Mellon Corporation (BNY) Fair Value & Analysis
Financial Services · US · Market cap $98.8B
The Bank of New York Mellon Corporation
BNY · US
Fair value as of: Aug 13, 2026
From 4 valuation models · updated yesterday
Fair value updated Aug 13, 2026, revised from $161.69 to $77.77 (−51.9%) since Jul 25, 2026. Share price +5.0% over the past month.
A solid business, but screening 52% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case ($97.21). The favourable scenario is already priced in.
- Solid but not exceptional quality (62/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range $33.61 – $162.93 · fair‑value band $58.32 – $97.21 · the $162.25 price screens above the $77.77 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
The Bank of New York Mellon Corporation (BNY) currently trades at $162.25, while our model-based Fair Value estimate is $77.77, implying the stock looks roughly 52.1% overvalued today. The Quality Score stands at 62/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, The Bank of New York Mellon Corporation generated revenue of $20.8B at a net margin of 28.7%. Revenue grew 13.4% year over year. It earns a return on equity of 13.5%. The balance sheet holds a net cash position of $97.6B. Fundamentals as of Aug 13, 2026
Our scenario range runs from $58.32 (bear case) to $97.21 (bull case); at $162.25, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 89% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -15% fair-value upside, at -52%, BNY screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 4 models by family
Widest divergence: Multiples ($90.38) versus Asset-Based ($43.26). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 68 · Market factors (momentum, volatility) 84
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
The Bank of New York Mellon Corporation provides a range of financial products and services in the United States and internationally. It operates through Securities Services, Market and Wealth Services, Investment and Wealth Management, and Other segments.
Full company description
The Bank of New York Mellon Corporation provides a range of financial products and services in the United States and internationally. It operates through Securities Services, Market and Wealth Services, Investment and Wealth Management, and Other segments. The Securities Services segment offers custody, trust and depositary, accounting, exchange-traded funds, middle-office solutions, transfer agency, services for private equity and real estate funds, foreign exchange, securities lending, liquidity/lending services, and data analytics. This segment also provides trustee, paying agency, fiduciary, escrow and other financial, issuer, and support services for brokers and investors. The Market and Wealth Services segment offers clearing and custody, investment, wealth and retirement solutions, technology and enterprise data management, trading, and prime brokerage services. This segment also provides integrated cash management solutions, including payments, foreign exchange, liquidity management, receivables processing, payables management, and trade finance, as well as U.S. government and global clearing, and tri-party services. The Investment and Wealth Management segment offers investment management strategies, investment products distribution, investment management, custody, wealth and estate planning, private banking, investment, and information management services. The Other segment provides corporate treasury, derivative and other trading, corporate and bank-owned life insurance, tax credit investment, other corporate investment, and business exit services. The company serves central banks and sovereigns, financial institutions, asset managers, insurance companies, corporations, local authorities and high net-worth individuals, and family offices. The Bank of New York Mellon Corporation was founded in 1784 and is headquartered in New York, New York.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
The Bank of New York Mellon Corporation reported revenue of $40.4B in FY2025 versus $15.9B in FY2021, a compound +26.4%/yr. Reported net income was $5.5B in FY2025, compounding +10.2%/yr from FY2021.
of which total revenue +10.8 pp · buybacks/dilution +5.0 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).
BNY screens 52% overvalued. Compare with JPMorgan Chase & Co →
Recent news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- BNY (BNY) Stock Looks Fully Priced As Earnings Hold Up Better
- Does New Digital Asset Custody Push and Note Issuance Reshape the Bull Case for BNY (BNY)?
- Bank of New York Mellon (BNY), What Is Behind The Fresh Attention?
- USB or BNY: Which Is the Better Value Stock Right Now?
Peer Group
Banks - Diversified · 47 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Banks - Diversified median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Diversified stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| JPMorgan Chase & Co JPM | $365.18 | $217.97 | -40% |
| Bank of America Corporation BOFA | C$31.78 | C$18.89 | -41% |
| China Construction Bank Corporation 601939 | ¥10.24 | ¥18.21 | +78% |
| Industrial and Commercial Bank of China Limited 601398 | ¥7.52 | ¥14.44 | +92% |
| HSBC Holdings HBCN | 1,610 MXN | 1,364 MXN | -15% |
| Agricultural Bank of China Limited 601288 | ¥6.56 | ¥12.94 | +97% |
| Bank of China Limited 601988 | ¥5.83 | ¥11.24 | +93% |
| Banco Santander, S.A SAN | 55.29 PLN | 31.78 PLN | -43% |
| UBS Group UBSN | 939.75 MXN | 565.49 MXN | -40% |
| Barclays PLC BCSN | 475.00 MXN | 332.60 MXN | -30% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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