📊 BK-PK Key Takeaways
Is Bank of New York Mellon Corp (BK-PK) a Good Investment?
BK demonstrates solid profitability with strong net margins (27.6%) and healthy free cash flow generation ($5.2B), but faces significant headwinds from declining revenue (-21.6% YoY) and concerningly low interest coverage (0.4x). The company maintains adequate financial health with reasonable leverage (0.72x D/E) and positive operating cash flow, warranting a cautious stance pending revenue stabilization.
Bank of New York Mellon shows solid core profitability, with 27.6% net margin, 12.5% ROE, 1.2% ROA, and strong free cash flow generation despite a sharp revenue decline. Net income still grew 4.6% year over year, which suggests resilient fee-based and balance-sheet economics, but the large top-line contraction and weak operating margin indicate mixed growth quality rather than a clear acceleration. Overall, the fundamentals support a stable, financially sound franchise, but not an unambiguously strong growth profile.
Why Buy Bank of New York Mellon Corp Stock? BK-PK Key Strengths
- Exceptional net profit margin of 27.6% demonstrates strong bottom-line efficiency despite revenue decline
- Robust free cash flow of $5.2B (25.8% FCF margin) provides substantial capital for operations and shareholder returns
- Moderate leverage ratio of 0.72x D/E with $44.3B equity base maintains financial stability
- Positive operating cash flow of $6.7B indicates core business cash generation capability
- Strong bottom-line profitability with 27.6% net margin and positive net income growth
- Healthy capital base with $44.31B of equity and manageable 0.72x debt-to-equity
- Robust cash generation with $6.73B operating cash flow and $5.18B free cash flow
BK-PK Stock Risks: Bank of New York Mellon Corp Investment Risks
- Sharp revenue decline of 21.6% YoY signals significant business contraction or market headwinds in banking operations
- Critical interest coverage ratio of 0.4x indicates potential difficulty servicing debt obligations from operating income
- Low ROA of 1.2% suggests inefficient asset utilization for a financial services company with $472.3B in assets
- Operating margin compression may indicate rising operational costs relative to shrinking revenues
- Revenue fell 21.6% year over year, signaling meaningful top-line pressure
- Operating margin of 11.3% is modest relative to net margin, suggesting limited operating leverage
- EPS growth of 27.6% materially exceeded net income growth, raising questions about the sustainability and quality of per-share growth
Key Metrics to Watch
- Revenue trajectory - need to confirm stabilization or recovery from 21.6% decline
- Interest coverage ratio improvement - current 0.4x level requires monitoring and improvement
- Asset quality and loan performance metrics - critical for understanding revenue decline drivers
- Net interest margin trends and deposit composition shifts
- Capital adequacy ratios and regulatory compliance metrics
- Revenue growth stabilization or reacceleration
- ROE and operating margin trend
Bank of New York Mellon Corp (BK-PK) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 25.8% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
BK-PK Profit Margin, ROE & Profitability Analysis
BK-PK vs Finance Sector: How Bank of New York Mellon Corp Compares
How Bank of New York Mellon Corp compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Bank of New York Mellon Corp Stock Overvalued? BK-PK Valuation Analysis 2026
Based on fundamental analysis, Bank of New York Mellon Corp has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Bank of New York Mellon Corp Balance Sheet: BK-PK Debt, Cash & Liquidity
BK-PK Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Bank of New York Mellon Corp's revenue has grown significantly by 22% over the 5-year period, indicating strong business expansion. The most recent EPS of $3.89 reflects profitable operations.
BK-PK Revenue Growth, EPS Growth & YoY Performance
BK-PK Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2018 | $2.9B | $651.0M | $0.88 |
| Q1 2018 | $3.0B | $880.0M | $0.83 |
| Q2 2016 | $3.7B | $711.0M | $0.73 |
| Q1 2016 | $3.7B | $231.0M | $0.57 |
| Q3 2015 | $3.8B | $569.0M | $0.73 |
| Q2 2015 | $3.7B | $231.0M | $0.48 |
| Q1 2015 | $3.6B | $209.0M | $0.18 |
| Q3 2014 | $3.7B | $554.0M | $0.48 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Bank of New York Mellon Corp Dividends, Buybacks & Capital Allocation
BK-PK SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Bank of New York Mellon Corp (CIK: 0001390777)
📋 Recent SEC Filings
❓ Frequently Asked Questions about BK-PK
What is the AI rating for BK-PK?
Bank of New York Mellon Corp (BK-PK) has a Combined AI Rating of HOLD from Claude (HOLD) and ChatGPT (HOLD) with 70% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are BK-PK's key strengths?
Claude: Exceptional net profit margin of 27.6% demonstrates strong bottom-line efficiency despite revenue decline. Robust free cash flow of $5.2B (25.8% FCF margin) provides substantial capital for operations and shareholder returns. ChatGPT: Strong bottom-line profitability with 27.6% net margin and positive net income growth. Healthy capital base with $44.31B of equity and manageable 0.72x debt-to-equity.
What are the risks of investing in BK-PK?
Claude: Sharp revenue decline of 21.6% YoY signals significant business contraction or market headwinds in banking operations. Critical interest coverage ratio of 0.4x indicates potential difficulty servicing debt obligations from operating income. ChatGPT: Revenue fell 21.6% year over year, signaling meaningful top-line pressure. Operating margin of 11.3% is modest relative to net margin, suggesting limited operating leverage.
What is BK-PK's revenue and growth?
Bank of New York Mellon Corp reported revenue of $20.1B.
Does BK-PK pay dividends?
Bank of New York Mellon Corp pays dividends, with $1,447.0M distributed to shareholders in the trailing twelve months.
Where can I find BK-PK SEC filings?
Official SEC filings for Bank of New York Mellon Corp (CIK: 0001390777) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is BK-PK's EPS?
Bank of New York Mellon Corp has a diluted EPS of $7.40.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is BK-PK a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Bank of New York Mellon Corp has a HOLD rating with 70% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is BK-PK stock overvalued or undervalued?
Valuation metrics for BK-PK: ROE of 12.5% (sector avg: 12%), net margin of 27.6% (sector avg: 25%). Higher ROE suggests strong returns relative to peers.
Should I buy BK-PK stock in 2026?
Our dual AI analysis gives Bank of New York Mellon Corp a combined HOLD rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is BK-PK's free cash flow?
Bank of New York Mellon Corp's operating cash flow is $6.7B, with capital expenditures of $1.6B. FCF margin is 25.8%.
How does BK-PK compare to other Finance stocks?
Vs Finance sector averages: Net margin 27.6% (avg: 25%), ROE 12.5% (avg: 12%), current ratio N/A (avg: 1.2).