Net margin
27.6% Fiscal year 2025
Rank 80 of 100: higher than 80% of 237 peers (All). strong.
Rank 62 of 100: higher than 62% of 33 peers (Sector). medium.
Median Financials: 26.2%
Profit after all costs, interest and taxes divided by revenue.
About the company
BNY, formerly Bank of New York Mellon, is a US bank dating back to 1784. It holds and services securities for funds, insurers and pension funds, processes payments and securities transactions and offers asset management. Retail banking plays almost no role. As of Oct 13, 2026
Fact sheet (from the annual report) Regional commercial banks · New York, USA
BNY is a global financial services company headquartered in New York and, together with its subsidiaries, has been in business since 1784. The business is divided into the divisions Securities Services, Market and Wealth Services, and Investment and Wealth Management. The two main US bank subsidiaries are active in trust and custody, wealth management, banking and various securities businesses. The main bank subsidiary in continental Europe is headquartered in Brussels and focuses on global custody, asset servicing and collateral management. Deposits of the US bank subsidiaries are insured by the federal deposit insurance within the statutory limits.
Automatically summarized from SEC annual report (10-K, filed Feb 25, 2026) (website of the US Securities and Exchange Commission) · reviewed Oct 15, 2026
What the methods say about BNY Mellon
- 52-week-high breakout No current pattern View
- Pullback in trend No current pattern View
- Double bottom No current pattern View
- Gap with volume No current pattern View
- Elliott + Fibonacci No current Elliott setup View
- Fundamentals Growth: yellowMargin: greenDebt: yellow View
Calculated automatically by fixed rules – not investment advice, check for yourself. How we analyze
Price performance at a glance
Last 30 trading days
- Today +1.3%
- 7 days +3.3%
- 30 days −2.0%
- 1 year +36.3%
Day range (last trading day)
−1.3%Price at 62% of the range+0.8%
52-week range
−28.4%Price at 69% of the range+12.7%
- Distance from the all-time high
- −11.3%
Our own calculation from the exchange’s daily candles, as of Oct 26, 2026. “All-time” applies since the start of this series, not to the whole market. Changes in percent; the TradingView chart shows prices. “Today” = change of the last trading day versus the previous day. Not investment advice.
Fundamental analysis
SEC filing (10-K, 10-Q)Required reports of listed companies to the US Securities and Exchange Commission (SEC): 10-K is the annual report, 10-Q the quarterly report, 20-F the annual report of foreign companies. We show the figures of the first filing.Example: 10-K for the fiscal year ending Sep 27, 2025, filed on Oct 31, 2025.More in the Academy: Lesson revenue, profit and marginBNY Mellon · Sector Financials · amounts in USD
Information only – does not affect the other analysis methods, not investment advice. Source: SEC filings, As of Feb 25, 2026.
Quality checks
Four angles on the annual figures. Each check counts how many disclosed criteria are met – criteria without data do not count. The bars show where the company ranks on each figure among the stocks we cover and within its sector.
Fiscal year to Dec 31, 2025
Quality
Profitability, consistency, balance sheet · 3 without data
3 of 5 criteria met
Growth
Revenue and earnings per share
5 of 7 criteria met
Dividend
Level, consistency, coverage · 2 without data
5 of 5 criteria met
Financial strength
Piotroski, debt, liquidity · 2 without data
4 of 4 criteria met
Quality 3 of 5 met · 3 without data
- no data: Gross margin above 40% not stated in the SEC filings
- no data: Operating margin above 15% not stated in the SEC filings
- met: Net margin above 10% 27.6%
- not met: Return on equity above 15% 12.5%
- met: Free cash flow margin above 10% 25.8%
- met: Profit in each of the last 5 fiscal years 5 of 5
- no data: Free cash flow positive in each of the last 3 fiscal years not stated in the SEC filings
- not met: Equity ratio above 30% 9.4%
Return on equity
12.5% Fiscal year 2025
Rank 40 of 100: higher than 40% of 218 peers (All). medium.
Rank 45 of 100: higher than 45% of 32 peers (Sector). medium.
Median Financials: 13.9%
Net income divided by equity at fiscal year end.
Return on assets
1.2% Fiscal year 2025 (total assets at year end)
Rank 23 of 100: higher than 23% of 238 peers (All). weak.
Rank 32 of 100: higher than 32% of 33 peers (Sector). weak.
Median Financials: 2.4%
Net income divided by total assets at fiscal year end.
Equity ratio
9.4% Fiscal year 2025
Rank 13 of 100: higher than 13% of 239 peers (All). weak.
Rank 26 of 100: higher than 26% of 33 peers (Sector). weak.
Median Financials: 18.2%
Equity as a share of total assets. Usually low for banks.
Free cash flow margin
25.8% Fiscal year 2025
Rank 78 of 100: higher than 78% of 213 peers (All). strong.
Rank 50 of 100: higher than 50% of 23 peers (Sector). medium.
Median Financials: 25.8%
Free cash flow divided by revenue.
Free cash flow
5.2B USD Fiscal year 2025
Operating cash flow minus capital expenditure on property and equipment.
Growth 5 of 7 met
- met: Over 3 years, revenue grew by more than 5% per year +7.0%
- not met: Over 5 years, revenue grew by more than 5% per year +4.9%
- not met: Over 10 years, revenue grew by more than 5% per year +2.9%
- met: Over 3 years, EPS grew by more than 5% per year +36.7%
- met: Over 5 years, EPS grew by more than 5% per year +14.1%
- met: Revenue rose in at least 4 of the last 5 fiscal years 5 of 5
- met: Revenue rose in the last fiscal year +7.8%
Revenue growth 3 years
+7.0% per year
Rank 44 of 100: higher than 44% of 230 peers (All). medium.
Rank 30 of 100: higher than 30% of 32 peers (Sector). weak.
Median Financials: +9.7%
Average growth per year over 3 fiscal years.
Revenue growth 5 years
+4.9% per year
Rank 18 of 100: higher than 18% of 217 peers (All). weak.
Rank 9 of 100: higher than 9% of 29 peers (Sector). weak.
Median Financials: +9.1%
Average growth per year over 5 fiscal years.
Revenue growth 10 years
+2.9% per year
Rank 23 of 100: higher than 23% of 157 peers (All). weak.
Rank 11 of 100: higher than 11% of 23 peers (Sector). weak.
Median Financials: +7.2%
Average growth per year over 10 fiscal years.
EPS growth 3 years
+36.7% per year
Rank 87 of 100: higher than 87% of 157 peers (All). strong.
Rank 90 of 100: higher than 90% of 24 peers (Sector). strong.
Median Financials: +17.6%
Growth of earnings per share per year, adjusted for stock splits.
EPS growth 5 years
+14.1% per year
Rank 52 of 100: higher than 52% of 146 peers (All). medium.
Rank 46 of 100: higher than 46% of 25 peers (Sector). medium.
Median Financials: +14.8%
Growth of earnings per share per year, adjusted for stock splits.
EPS growth 10 years
+10.6% per year
Rank 53 of 100: higher than 53% of 140 peers (All). medium.
Rank 35 of 100: higher than 35% of 24 peers (Sector). medium.
Median Financials: +11.5%
Growth of earnings per share per year, adjusted for stock splits.
Dividend 5 of 5 met · 2 without data
- met: Pays a dividend 2.00 USD
- met: Payout ratio at most 60% of earnings 27%
- met: Dividend paid in each of the last 5 fiscal years 5 of 5
- met: Dividend per share never lowered in the last 5 fiscal years Dividend per share as filed with the SEC, including special dividends; a one-off higher prior year does not count as a cut. never
- met: Dividend per share higher than 5 years ago +10.0%
- no data: Free cash flow per share covers the dividend not meaningful for banks and insurers
- no data: Dividends paid over the last 5 years covered by free cash flow not meaningful for banks and insurers
Payout ratio
27% Fiscal year 2025
Dividend per share divided by earnings per share.
Dividend growth 5 years
+10.0% per year
Rank 56 of 100: higher than 56% of 118 peers (All). medium.
Rank 53 of 100: higher than 53% of 20 peers (Sector). medium.
Median Financials: +10.0%
Growth of the dividend per share per year.
Free cash flow coverage
3.6x Fiscal year 2025
Free cash flow per share divided by dividend per share. From 1x the dividend is covered.
Financial strength 4 of 4 met · 2 without data
- no data: Piotroski F-Score at least 7 of 9 not meaningful for banks and insurers
- met: Long-term debt no higher than equity 0.72
- no data: Current assets cover current liabilities not reported (usual for banks and insurers)
- met: Positive equity 44.3B USD
- met: In 5 years, share count up by at most 5% −19.7%
- met: Free cash flow positive in the last fiscal year 5.2B USD
Debt / equity
0.72 at fiscal year end
Rank 43 of 100: lower than 43% of 199 peers (All). medium.
Rank 52 of 100: lower than 52% of 26 peers (Sector). medium.
Median Financials: 0.83
Long-term financial debt divided by equity.
Change in share count
−19.7% in 5 years
Rank 94 of 100: lower than 94% of 199 peers (All). strong.
Rank 94 of 100: lower than 94% of 24 peers (Sector). strong.
Median Financials: −6.1%
Change in diluted share count. Negative = share buybacks, positive = new shares.
Banks and insurers usually do not report gross margin, current assets or capital expenditure – those criteria then do not count. Debt is part of their business.
Price-based criteria (P/E, dividend yield) are shown to signed-in users.
Computed automatically from SEC annual reports – not investment advice. Describes the reported figures; points are not a rating of the stock. Rank 0–100 against the 239 stocks we cover and against the sector (from 5 peers); the stronger side is always on the right.
In short
- Light yellow: Revenue grew over 5 years (+4.9% per year), more slowly than the sector median.
- Light yellow: Net income (total) grew over 5 years (+8.9% per year), more slowly than the sector median; per share +14.1% per year.
- Light green: Net margin 27.6%, above the sector median (19.4%).
- Light yellow: Debt higher than usual in the sector.
- Light green: Profit in each of the last 10 fiscal years.
Summarized from the lights below. Describes the reported figures – not a recommendation to buy or sell.
- Fiscal year 2016 (Jan 1, 2016 – Dec 31, 2016): Revenue not available · Net income 3.5B USD · Net margin not available
- Fiscal year 2017 (Jan 1, 2017 – Dec 31, 2017): Revenue 15.5B USD · Net income 4.1B USD · Net margin 26.3%
- Fiscal year 2018 (Jan 1, 2018 – Dec 31, 2018): Revenue 16.4B USD · Net income 4.3B USD · Net margin 26.0%
- Fiscal year 2019 (Jan 1, 2019 – Dec 31, 2019): Revenue 16.5B USD · Net income 4.4B USD · Net margin 27.0%
- Fiscal year 2020 (Jan 1, 2020 – Dec 31, 2020): Revenue 15.8B USD · Net income 3.6B USD · Net margin 22.9%
- Fiscal year 2021 (Jan 1, 2021 – Dec 31, 2021): Revenue 15.9B USD · Net income 3.8B USD · Net margin 23.6%
- Fiscal year 2022 (Jan 1, 2022 – Dec 31, 2022): Revenue 16.4B USD · Net income 2.6B USD · Net margin 15.7%
- Fiscal year 2023 (Jan 1, 2023 – Dec 31, 2023): Revenue 17.5B USD · Net income 3.3B USD · Net margin 18.8%
- Fiscal year 2024 (Jan 1, 2024 – Dec 31, 2024): Revenue 18.6B USD · Net income 4.5B USD · Net margin 24.3%
- Fiscal year 2025 (Jan 1, 2025 – Dec 31, 2025): Revenue 20.1B USD · Net income 5.5B USD · Net margin 27.6%
- Quarter Q3/23 (Jul 1, 2023 – Sep 30, 2023): Revenue not available · Net income 1.0B USD · Net margin not available
- Quarter Q4/23 (Oct 1, 2023 – Dec 31, 2023): Revenue not available · Net income 208.0M USD · Net margin not available
- Quarter Q1/24 (Jan 1, 2024 – Mar 31, 2024): Revenue not available · Net income 1.0B USD · Net margin not available
- Quarter Q2/24 (Apr 1, 2024 – Jun 30, 2024): Revenue not available · Net income 1.2B USD · Net margin not available
- Quarter Q3/24 (Jul 1, 2024 – Sep 30, 2024): Revenue not available · Net income 1.2B USD · Net margin not available
- Quarter Q4/24 (Oct 1, 2024 – Dec 31, 2024): Revenue not available · Net income 1.2B USD · Net margin not available
- Quarter Q1/25 (Jan 1, 2025 – Mar 31, 2025): Revenue not available · Net income 1.2B USD · Net margin not available
- Quarter Q2/25 (Apr 1, 2025 – Jun 30, 2025): Revenue not available · Net income 1.4B USD · Net margin not available
- Quarter Q3/25 (Jul 1, 2025 – Sep 30, 2025): Revenue not available · Net income 1.4B USD · Net margin not available
- Quarter Q4/25 (Oct 1, 2025 – Dec 31, 2025): Revenue not available · Net income 1.5B USD · Net margin not available · Q4 derived (year minus 9 months), may be distorted by restatements
- Quarter Q1/26 (Jan 1, 2026 – Mar 31, 2026): Revenue not available · Net income 1.6B USD · Net margin not available
- Quarter Q2/26 (Apr 1, 2026 – Jun 30, 2026): Revenue not available · Net income 1.8B USD · Net margin not available
- Fiscal year 2016 (Jan 1, 2016 – Dec 31, 2016): Earnings per share 3.15 USD
- Fiscal year 2017 (Jan 1, 2017 – Dec 31, 2017): Earnings per share 3.72 USD
- Fiscal year 2018 (Jan 1, 2018 – Dec 31, 2018): Earnings per share 4.04 USD
- Fiscal year 2019 (Jan 1, 2019 – Dec 31, 2019): Earnings per share 4.51 USD
- Fiscal year 2020 (Jan 1, 2020 – Dec 31, 2020): Earnings per share 3.83 USD
- Fiscal year 2021 (Jan 1, 2021 – Dec 31, 2021): Earnings per share 4.14 USD
- Fiscal year 2022 (Jan 1, 2022 – Dec 31, 2022): Earnings per share 2.90 USD
- Fiscal year 2023 (Jan 1, 2023 – Dec 31, 2023): Earnings per share 3.87 USD
- Fiscal year 2024 (Jan 1, 2024 – Dec 31, 2024): Earnings per share 5.80 USD
- Fiscal year 2025 (Jan 1, 2025 – Dec 31, 2025): Earnings per share 7.40 USD
- Quarter Q3/23 (Jul 1, 2023 – Sep 30, 2023): Earnings per share 1.22 USD
- Quarter Q4/23 (Oct 1, 2023 – Dec 31, 2023): Earnings per share 0.21 USD
- Quarter Q1/24 (Jan 1, 2024 – Mar 31, 2024): Earnings per share 1.25 USD
- Quarter Q2/24 (Apr 1, 2024 – Jun 30, 2024): Earnings per share 1.52 USD
- Quarter Q3/24 (Jul 1, 2024 – Sep 30, 2024): Earnings per share 1.50 USD
- Quarter Q4/24 (Oct 1, 2024 – Dec 31, 2024): Earnings per share 1.54 USD
- Quarter Q1/25 (Jan 1, 2025 – Mar 31, 2025): Earnings per share 1.58 USD
- Quarter Q2/25 (Apr 1, 2025 – Jun 30, 2025): Earnings per share 1.93 USD
- Quarter Q3/25 (Jul 1, 2025 – Sep 30, 2025): Earnings per share 1.88 USD
- Quarter Q4/25 (Oct 1, 2025 – Dec 31, 2025): Earnings per share not reported separately for Q4
- Quarter Q1/26 (Jan 1, 2026 – Mar 31, 2026): Earnings per share 2.24 USD
- Quarter Q2/26 (Apr 1, 2026 – Jun 30, 2026): Earnings per share 2.45 USD
- Fiscal year 2016 (Jan 1, 2016 – Dec 31, 2016): Dividend per share 0.72 USD · Payout ratio 22.9%
- Fiscal year 2017 (Jan 1, 2017 – Dec 31, 2017): Dividend per share 0.86 USD · Payout ratio 23.1%
- Fiscal year 2018 (Jan 1, 2018 – Dec 31, 2018): Dividend per share 1.04 USD · Payout ratio 25.7%
- Fiscal year 2019 (Jan 1, 2019 – Dec 31, 2019): Dividend per share 1.18 USD · Payout ratio 26.2%
- Fiscal year 2020 (Jan 1, 2020 – Dec 31, 2020): Dividend per share 1.24 USD · Payout ratio 32.4%
- Fiscal year 2021 (Jan 1, 2021 – Dec 31, 2021): Dividend per share 1.30 USD · Payout ratio 31.4%
- Fiscal year 2022 (Jan 1, 2022 – Dec 31, 2022): Dividend per share 1.42 USD · Payout ratio 49.0%
- Fiscal year 2023 (Jan 1, 2023 – Dec 31, 2023): Dividend per share 1.58 USD · Payout ratio 40.8%
- Fiscal year 2024 (Jan 1, 2024 – Dec 31, 2024): Dividend per share 1.78 USD · Payout ratio 30.7%
- Fiscal year 2025 (Jan 1, 2025 – Dec 31, 2025): Dividend per share 2.00 USD · Payout ratio 27.0%
- Quarter Q3/23 (Jul 1, 2023 – Sep 30, 2023): Dividend per share 0.42 USD · Payout ratio 34.4%
- Quarter Q4/23 (Oct 1, 2023 – Dec 31, 2023): Dividend per share 0.42 USD · Payout ratio 200.0%
- Quarter Q1/24 (Jan 1, 2024 – Mar 31, 2024): Dividend per share 0.42 USD · Payout ratio 33.6%
- Quarter Q2/24 (Apr 1, 2024 – Jun 30, 2024): Dividend per share 0.42 USD · Payout ratio 27.6%
- Quarter Q3/24 (Jul 1, 2024 – Sep 30, 2024): Dividend per share 0.47 USD · Payout ratio 31.3%
- Quarter Q4/24 (Oct 1, 2024 – Dec 31, 2024): Dividend per share 0.47 USD · Payout ratio 30.5%
- Quarter Q1/25 (Jan 1, 2025 – Mar 31, 2025): Dividend per share 0.47 USD · Payout ratio 29.7%
- Quarter Q2/25 (Apr 1, 2025 – Jun 30, 2025): Dividend per share 0.47 USD · Payout ratio 24.4%
- Quarter Q3/25 (Jul 1, 2025 – Sep 30, 2025): Dividend per share 0.53 USD · Payout ratio 28.2%
- Quarter Q4/25 (Oct 1, 2025 – Dec 31, 2025): Dividend per share 0.53 USD · Payout ratio not available · Q4 derived (year minus 9 months), may be distorted by restatements
- Quarter Q1/26 (Jan 1, 2026 – Mar 31, 2026): Dividend per share 0.53 USD · Payout ratio 23.7%
- Quarter Q2/26 (Apr 1, 2026 – Jun 30, 2026): Dividend per share 0.53 USD · Payout ratio 21.6%
Fiscal year 2025 (Jan 1, 2025 – Dec 31, 2025): Revenue 20.1B USD · Net income 5.5B USD · Net margin 27.6%
Figures over time
Where the money of a fiscal year goes and how margins, returns, balance sheet, cash flow and share count developed over up to 10 years. Each chart has one sentence saying what the trend shows.
Money flow in fiscal year 2025
Of 100 USD of revenue, 27.6 USD net income remained.
Money flow as a table
| Item | Amount | of revenue |
|---|---|---|
| Revenue | 20.1B USD | 100.0% |
| Net income | 5.5B USD | 27.6% |
| Taxes | 1.5B USD | 7.3% |
| Remaining costs & other | 13.1B USD | 65.0% |
Taxes, interest and other items are not available separately in the SEC data; they are combined as the difference.
Margins
The net margin rose in 5 years from 22.9% to 27.6%.
Net margin- Fiscal year 2016: Net margin not available
- Fiscal year 2017: Net margin 26.3%
- Fiscal year 2018: Net margin 26.0%
- Fiscal year 2019: Net margin 27.0%
- Fiscal year 2020: Net margin 22.9%
- Fiscal year 2021: Net margin 23.6%
- Fiscal year 2022: Net margin 15.7%
- Fiscal year 2023: Net margin 18.8%
- Fiscal year 2024: Net margin 24.3%
- Fiscal year 2025: Net margin 27.6%
Returns
Return on equity rose in 5 years from 7.9% to 12.5%.
Return on equityReturn on assets- Fiscal year 2016: Return on equity 9.1% · Return on assets 1.1%
- Fiscal year 2017: Return on equity 9.9% · Return on assets 1.1%
- Fiscal year 2018: Return on equity 10.5% · Return on assets 1.2%
- Fiscal year 2019: Return on equity 10.7% · Return on assets 1.2%
- Fiscal year 2020: Return on equity 7.9% · Return on assets 0.8%
- Fiscal year 2021: Return on equity 8.7% · Return on assets 0.8%
- Fiscal year 2022: Return on equity 6.3% · Return on assets 0.6%
- Fiscal year 2023: Return on equity 8.0% · Return on assets 0.8%
- Fiscal year 2024: Return on equity 11.0% · Return on assets 1.1%
- Fiscal year 2025: Return on equity 12.5% · Return on assets 1.2%
Equity and long-term debt
The equity ratio stayed roughly the same in 5 years (9.4%).
EquityLong-term debt in USD Long-term debt, depending on the filing, includes the current portion or leases.- Fiscal year 2016: Equity 38.8B USD · Long-term debt 24.5B USD
- Fiscal year 2017: Equity 41.3B USD · Long-term debt 28.0B USD
- Fiscal year 2018: Equity 40.6B USD · Long-term debt 29.2B USD
- Fiscal year 2019: Equity 41.5B USD · Long-term debt 27.5B USD
- Fiscal year 2020: Equity 45.8B USD · Long-term debt 26.0B USD
- Fiscal year 2021: Equity 43.0B USD · Long-term debt 25.9B USD
- Fiscal year 2022: Equity 40.7B USD · Long-term debt 30.5B USD
- Fiscal year 2023: Equity 40.9B USD · Long-term debt 31.3B USD
- Fiscal year 2024: Equity 41.3B USD · Long-term debt 30.9B USD
- Fiscal year 2025: Equity 44.3B USD · Long-term debt 31.9B USD
Share count
The share count fell in 5 years by 19.7% (mostly through share repurchases).
Diluted share count- Fiscal year 2016: Diluted share count 1.1B
- Fiscal year 2017: Diluted share count 1.0B
- Fiscal year 2018: Diluted share count 1.0B
- Fiscal year 2019: Diluted share count 943.1M
- Fiscal year 2020: Diluted share count 892.5M
- Fiscal year 2021: Diluted share count 856.4M
- Fiscal year 2022: Diluted share count 814.8M
- Fiscal year 2023: Diluted share count 787.8M
- Fiscal year 2024: Diluted share count 748.1M
- Fiscal year 2025: Diluted share count 716.7M
Banks and insurers: gross margin, current assets and capital expenditure are usually not reported and cash flow is not meaningful there – those lines and charts are omitted.
From annual reports filed with the SEC (10-K, 20-F, 40-F) as first reported, share count adjusted for splits; obvious filing errors (e.g. wrong unit, outliers against both neighbouring years) are hidden. Describes the reported figures – not investment advice.
Dividends and share repurchases
How much the company returns to its shareholders – as dividends or by repurchasing its own shares – and whether free cash flow supports it.
- Dividend per share
- 2.00 USD · Fiscal year 2025
- Dividend growth per year
- 3 y +12.1%5 y +10.0%10 y +11.4%
- Years without a cut
- at least 10 as far as the data goes
- Payout ratio
- of earnings 27% of free cash flow 28%
- To shareholders (5 years)
- 20.2B USD 69% through repurchases
- Share count over 5 years
- −19.7% fewer shares – each share is a larger stake
Dividend per share
The dividend per share rose in 5 years from 1.24 USD to 2.00 USD.
Dividend per share USD per share Per share as filed with the SEC, including special dividends; obvious filing errors are hidden.- Fiscal year 2016: Dividend per share 0.72 USD
- Fiscal year 2017: Dividend per share 0.86 USD
- Fiscal year 2018: Dividend per share 1.04 USD
- Fiscal year 2019: Dividend per share 1.18 USD
- Fiscal year 2020: Dividend per share 1.24 USD
- Fiscal year 2021: Dividend per share 1.30 USD
- Fiscal year 2022: Dividend per share 1.42 USD
- Fiscal year 2023: Dividend per share 1.58 USD
- Fiscal year 2024: Dividend per share 1.78 USD
- Fiscal year 2025: Dividend per share 2.00 USD
Payout ratios
The payout ratio fell in 5 years from 32.4% to 27.0%.
Payout ratio (earnings)Payout ratio (free cash flow)- Fiscal year 2016: Payout ratio (earnings) 22.9% · Payout ratio (free cash flow) 14.4%
- Fiscal year 2017: Payout ratio (earnings) 23.1% · Payout ratio (free cash flow) 26.2%
- Fiscal year 2018: Payout ratio (earnings) 25.7% · Payout ratio (free cash flow) 21.5%
- Fiscal year 2019: Payout ratio (earnings) 26.2% · Payout ratio (free cash flow) not available
- Fiscal year 2020: Payout ratio (earnings) 32.4% · Payout ratio (free cash flow) 29.3%
- Fiscal year 2021: Payout ratio (earnings) 31.4% · Payout ratio (free cash flow) 69.4%
- Fiscal year 2022: Payout ratio (earnings) 49.0% · Payout ratio (free cash flow) 8.5%
- Fiscal year 2023: Payout ratio (earnings) 40.8% · Payout ratio (free cash flow) 26.9%
- Fiscal year 2024: Payout ratio (earnings) 30.7% · Payout ratio (free cash flow) not available
- Fiscal year 2025: Payout ratio (earnings) 27.0% · Payout ratio (free cash flow) 28.0%
What goes back to shareholders
Over 5 years, 20.2B USD went back to shareholders, 69% of it through share repurchases. This was offset by new shares issued for 79.0M USD (including employee plans).
Dividends paidShare repurchasesNew shares issued (including employee plans)Free cash flow in USD- Fiscal year 2016: Dividends paid 778.0M USD · Share repurchases 2.4B USD · New shares issued (including employee plans) 27.0M USD · Free cash flow 5.4B USD
- Fiscal year 2017: Dividends paid 901.0M USD · Share repurchases 2.7B USD · New shares issued (including employee plans) 34.0M USD · Free cash flow 3.4B USD
- Fiscal year 2018: Dividends paid 1.1B USD · Share repurchases 3.3B USD · New shares issued (including employee plans) 40.0M USD · Free cash flow 4.9B USD
- Fiscal year 2019: Dividends paid 1.1B USD · Share repurchases 3.3B USD · New shares issued (including employee plans) 21.0M USD · Free cash flow not available
- Fiscal year 2020: Dividends paid 1.1B USD · Share repurchases 989.0M USD · New shares issued (including employee plans) 12.0M USD · Free cash flow 3.8B USD
- Fiscal year 2021: Dividends paid 1.1B USD · Share repurchases 4.6B USD · New shares issued (including employee plans) 13.0M USD · Free cash flow 1.6B USD
- Fiscal year 2022: Dividends paid 1.2B USD · Share repurchases 124.0M USD · New shares issued (including employee plans) 14.0M USD · Free cash flow 13.7B USD
- Fiscal year 2023: Dividends paid 1.3B USD · Share repurchases 2.6B USD · New shares issued (including employee plans) 16.0M USD · Free cash flow 4.7B USD
- Fiscal year 2024: Dividends paid 1.3B USD · Share repurchases 3.1B USD · New shares issued (including employee plans) 17.0M USD · Free cash flow not available
- Fiscal year 2025: Dividends paid 1.4B USD · Share repurchases 3.5B USD · New shares issued (including employee plans) 19.0M USD · Free cash flow 5.2B USD
For banks and insurers free cash flow is not meaningful; ratios to free cash flow are usually omitted.
Dividends paid, repurchases and new shares issued from the cash flow statement of annual reports filed with the SEC (as first reported). Describes the reported figures – not investment advice.
Valuation over time
Price-based valuation (P/E, P/S, price/free cash flow and dividend yield per fiscal year, compared with its own average) for signed-in users. Log in
Sector comparison
BNY Mellon next to 8 stocks of the sector Financials we cover that are closest in revenue. Click a column header to sort the table.
| Symbol | Revenue (FY) | Growth 5 yrs | Gross margin | Op. margin | Net margin | ROE | Equity ratio | FCF margin | Piotroski |
|---|---|---|---|---|---|---|---|---|---|
| USB U.S. Bancorp | 28.7B USD | – | – | – | 26.4% | 11.6% | 9.4% | – | – |
| MRSH Marsh McLennan | 27.0B USD | +9.4% | – | 23.1% | 15.4% | 27.2% | 26.1% | – | – |
| BLK BlackRock | 24.2B USD | +8.4% | – | 29.1% | 22.9% | 9.9% | 32.9% | – | – |
| SCHW Charles Schwab Corporation | 23.9B USD | +15.4% | – | – | 37.0% | 17.9% | 10.1% | – | – |
| PNC PNC Financial Services | 23.1B USD | +6.4% | – | – | 30.0% | 11.4% | 10.6% | – | – |
| BNY BNY Mellon this stock | 20.1B USD | +4.9% | – | – | 27.6% | 12.5% | 9.4% | – | – |
| KKR KKR & Co. | 19.5B USD | +35.7% | – | – | 12.2% | 7.7% | 7.5% | – | – |
| SPGI S&P Global | 15.3B USD | +15.6% | – | 42.2% | 29.2% | 14.4% | 50.9% | – | – |
| BX Blackstone Inc. | 14.5B USD | +18.8% | – | – | 20.9% | 34.8% | 18.2% | – | – |
| Median of the sector 33 symbols | 27.0B USD | +9.1% | – | 39.0% | 26.2% | 13.9% | 18.2% | – | – |
Growth 5 yrs = revenue growth per year over 5 fiscal years · Op. margin = operating margin · ROE = return on equity · FCF = free cash flow · Piotroski = F-Score (only with all 9 criteria).
Banks and insurers: gross margin (only if reported), free cash flow margin and Piotroski are not meaningful there (“–”).
Figures of the last fiscal year from SEC annual reports (peers as of Oct 28, 2026). Median across all companies of the sector we cover (from 5 stocks; several share classes of one company count once). Signed-in users also see P/E, P/S and dividend yield in the comparison. Describes the reported figures – not investment advice.
Key figures with traffic lights
Each light follows a simple, disclosed rule. The comparison is with the sector median Sector medianThe middle value of all companies in a sector: half are above it, half below. Unlike the average, single outliers hardly distort it.Example: Margins 4%, 8%, 10%, 12%, 60% → median 10%, average 18.8%.More in the Academy: Lesson putting the P/E in context of all 79 symbols in the Financials sector on our list (current members of the S&P 500 and other lists).
Revenue growth
Growth per year (CAGR)The average annual growth rate over several years, as if the value had grown equally strongly every year. Individual good or bad years even out in it.Example: Revenue €100m → €161m in 5 years → (161 ÷ 100) to the power of 1/5 − 1 = 10% per year.More in the Academy: Lesson debt, dividends and growth+4.9% per year, last 5 years
Sector Financials: median +8.8% (73 symbols)
What does this mean? Revenue: over 5 years it grew by 4.9% per year on average, but more slowly than the median company in the sector (+8.8%).
Light rule: Green: grows at least as fast as the sector median (without a sector comparison: grows) · Yellow: grows more slowly · Red: shrinks.
Net income (total)
Growth per year (CAGR)The average annual growth rate over several years, as if the value had grown equally strongly every year. Individual good or bad years even out in it.Example: Revenue €100m → €161m in 5 years → (161 ÷ 100) to the power of 1/5 − 1 = 10% per year.More in the Academy: Lesson debt, dividends and growth+8.9% per year, last 5 years
Sector Financials: median +13.8% (71 symbols)
per share: +14.1% per year (5 years, split-adjusted)
What does this mean? Total net income: over 5 years it grew by 8.9% per year on average, but more slowly than the median company in the sector (+13.8%).
Light rule: Green: grows at least as fast as the sector median (without a sector comparison: grows) · Yellow: grows more slowly · Red: shrinks.
Net margin
Profit marginThe share of revenue that is left as profit after all costs.Example: Profit €60m on €500m revenue → margin 12%.More in the Academy: Lesson revenue, profit and margin27.6% last fiscal year
Sector Financials: median 19.4% (75 symbols)
What does this mean? Of every 100 USD in revenue, 27.63 USD remained as profit – at least as much as the median company in the sector (19.4%). Five years ago the margin was 22.9%.
Light rule: Green: at least the sector median (without a sector comparison: profit) · Yellow: profit, but below the median · Red: loss.
Debt / equity
Debt-to-equity ratioFinancial debt (loans, bonds) divided by equity. A high value amplifies good and bad years alike. The key figures bar in the chart only uses long-term financial debt.Example: Financial debt €300m, equity €500m → 0.6.More in the Academy: Lesson debt, dividends and growth0.68 latest balance sheet
Sector Financials: median 0.63 (60 symbols)
What does this mean? For every 1 USD of equity there is 0.68 USD of financial debt – more than the median company in the sector (0.63). For banks and insurers, debt is part of the business – so the comparison is only with their own sector.
Light rule: Green: at most the sector median · Yellow: up to twice the median · Red: more than twice · Gray: without a sector comparison.
Payout ratio
Payout ratioThe share of profit that a company pays out as a dividend. Above 100% it pays out more than it earns.Example: Dividend €1, earnings per share €2.50 → payout ratio 40%.More in the Academy: Lesson debt, dividends and growth27% Dividend / earnings per share
Sector Financials: median 34% (58 symbols)
What does this mean? Of every 1 USD of earnings per share, 0.27 USD went to shareholders as a dividend. The rest stays in the company. Median company in the sector: 34%.
Light rule: Green: up to 60% of earnings · Yellow: up to 100% · Red: more than earnings or a dividend despite a loss · Gray for real estate (REITs). The sector median is for comparison only.
Profitable years
Profitable yearsHow many of the last fiscal years ended with a profit rather than a loss on the bottom line. The figure shows how consistently a company earns.Example: Profit in 9 of 10 years → one loss year.More in the Academy: Lesson revenue, profit and margin10 of 10 fiscal years with a profit
What does this mean? In 10 of the last 10 fiscal years the bottom line showed a profit. There were no losses in this period.
Light rule: Green: profit in every year · Yellow: one loss year · Red: several loss years (at least 3 years needed).
All figures as a table
| Year | End | Revenue | Net income | Margin | Earnings per share | Dividend per share | Payout |
|---|---|---|---|---|---|---|---|
| 2025 | Dec 31, 2025 | 20.1B | 5.5B | 27.6% | 7.40 | 2.00 | 27% |
| 2024 | Dec 31, 2024 | 18.6B | 4.5B | 24.3% | 5.80 | 1.78 | 31% |
| 2023 | Dec 31, 2023 | 17.5B | 3.3B | 18.8% | 3.87 | 1.58 | 41% |
| 2022 | Dec 31, 2022 | 16.4B | 2.6B | 15.7% | 2.90 | 1.42 | 49% |
| 2021 | Dec 31, 2021 | 15.9B | 3.8B | 23.6% | 4.14 | 1.30 | 31% |
| 2020 | Dec 31, 2020 | 15.8B | 3.6B | 22.9% | 3.83 | 1.24 | 32% |
| 2019 | Dec 31, 2019 | 16.5B | 4.4B | 27.0% | 4.51 | 1.18 | 26% |
| 2018 | Dec 31, 2018 | 16.4B | 4.3B | 26.0% | 4.04 | 1.04 | 26% |
| 2017 | Dec 31, 2017 | 15.5B | 4.1B | 26.3% | 3.72 | 0.86 | 23% |
| 2016 | Dec 31, 2016 | – | 3.5B | – | 3.15 | 0.72 | 23% |
| Quarter | End | Revenue | Net income | Margin | Earnings per share | Dividend per share | Payout |
|---|---|---|---|---|---|---|---|
| Q2/26 | Jun 30, 2026 | – | 1.8B | – | 2.45 | 0.53 | 22% |
| Q1/26 | Mar 31, 2026 | – | 1.6B | – | 2.24 | 0.53 | 24% |
| Q4/25* | Dec 31, 2025 | – | 1.5B | – | – | 0.53 | – |
| Q3/25 | Sep 30, 2025 | – | 1.4B | – | 1.88 | 0.53 | 28% |
| Q2/25 | Jun 30, 2025 | – | 1.4B | – | 1.93 | 0.47 | 24% |
| Q1/25 | Mar 31, 2025 | – | 1.2B | – | 1.58 | 0.47 | 30% |
| Q4/24 | Dec 31, 2024 | – | 1.2B | – | 1.54 | 0.47 | 31% |
| Q3/24 | Sep 30, 2024 | – | 1.2B | – | 1.50 | 0.47 | 31% |
| Q2/24 | Jun 30, 2024 | – | 1.2B | – | 1.52 | 0.42 | 28% |
| Q1/24 | Mar 31, 2024 | – | 1.0B | – | 1.25 | 0.42 | 34% |
| Q4/23 | Dec 31, 2023 | – | 208.0M | – | 0.21 | 0.42 | 200% |
| Q3/23 | Sep 30, 2023 | – | 1.0B | – | 1.22 | 0.42 | 34% |
* Q4 derived: fiscal year minus the 9-month value (EPS cannot be derived this way); may be distorted by restatements.
How we calculate: values as first reported to the SEC (later corrections are left out), a fixed order of reporting tags per figure, partial sums are never added up. Growth per year Growth per year (CAGR)The average annual growth rate over several years, as if the value had grown equally strongly every year. Individual good or bad years even out in it.Example: Revenue €100m → €161m in 5 years → (161 ÷ 100) to the power of 1/5 − 1 = 10% per year.More in the Academy: Lesson debt, dividends and growth over 5 years (otherwise 3 years). Quarters are labeled by the calendar quarter in which they end.
Insiders
Insider transactionsExecutives, directors and major shareholders (over 10%) of US companies report their own transactions in their company’s stock to the SEC within two business days (Form 4). Purchases in the market count as more meaningful than sales (often taxes, estate planning).Example: Three executives acquire stock worth a total of 2 million USD within two weeks → “purchases by several insiders”.More in the Academy: Glossary| Period | Purchases | Sales | Net |
|---|---|---|---|
| 3 months | $00 people | $6.0M2 people | −$6.0M |
| 6 months | $00 people | $6.0M2 people | −$6.0M |
| 12 months | $00 people | $12.6M6 people | −$12.6M |
Latest transactions
- Sep 28, 2026 Minaya Jose Officer Open-market sale · 10b5-1 plan 22 shares · $3.3K · SEC
- Sep 28, 2026 Minaya Jose Officer Open-market sale · 10b5-1 plan 1,655 shares · $247.0K · SEC
- Sep 28, 2026 Minaya Jose Officer Open-market sale · 10b5-1 plan 1,843 shares · $273.4K · SEC
- Aug 27, 2026 Minaya Jose Officer Open-market sale · 10b5-1 plan 930 shares · $151.7K · SEC
- Aug 27, 2026 Minaya Jose Officer Open-market sale · 10b5-1 plan 2,590 shares · $420.7K · SEC
- Jul 29, 2026 McDonogh Dermot Chief financial officer (CFO) Open-market sale 7,200 shares · $1.1M · SEC
Source: mandatory filings with the SEC (Form 4), open-market purchases and sales only. General information, not investment advice.
Trend score +0
Price vs. EMA 50-15
Price vs. EMA 200+15
EMA 50 vs. EMA 200+20
ADX (trend strength)+15
Highs and lows-20
Relative strength-15
Volatility and trend strength
ADX 14 (trend strength)26.4
Rel. strength 60 d−8.1%
ATR ATR (Average True Range)The average range per trading day over the last 14 days. It makes distances comparable, whether a stock costs 10 or 1,000.Example: ATR 2.50 at a price of 100: 0.4 ATR is 1.00, i.e. 1%.More in the Academy: Lesson ATR and moving averages as price values only when logged in.
More stocks from Financials
News
Latest news
How Earnings Beat Will Impact Bank of New York Mellon Corporation Stock Yahoo Finance · Oct 16, 12:17
FRN Variable Rate Fix Yahoo Finance · Oct 16, 08:00
While embedding AI 'everywhere,' BNY won't disclose costs Yahoo Finance · Oct 15, 22:04
What Bank of New York Mellon (BNY) Said on Its Q3 Earnings Call Yahoo Finance · Oct 15, 20:03
FRN Variable Rate Fix Yahoo Finance · Oct 15, 19:26
BNY Q3 Earnings Beat Estimates on Fee Income & NII Growth Yahoo Finance · Oct 15, 16:09
TGE Value Creative Solutions Celebrates Recent NYSE Listing: NYSE Content Update Yahoo Finance · Oct 15, 14:55
TGE Value Creative Solutions Celebrates Recent NYSE Listing: NYSE Content Update Yahoo Finance · Oct 15, 14:55
Posts
No posts on BNY yet – log in to join the discussion.
Posts are opinions of users and only visible after logging in. Community rules