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The Bank of New York Mellon Corporation (BNY) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$149.37 +0.53% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)

The Bank of New York Mellon Corporation (BNY) carries a Roarable Rating of C+ (Hold) with 68/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $101.35B

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RQD QUANT TACHOMETERHOLD / WATCH • C+

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Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+4.5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for BNY)Realized 20D OHLCV Swing Band: ±4.2%

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How BNY Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$5.18B (25.8% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $17.70B

FY24

Rev $18.62B

FY25

Rev $20.08B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$20.08B	52%	32.6%	$5.55B	$5.18B	2.2%
FY 2024	$18.62B	52%	28.7%	$4.53B	-$782.0M	2.1%
FY 2023	$17.70B	52%	22%	$3.30B	$5.12B	9.1%

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Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring BNY)

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BNY // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +13.26%📐 HORIZONTAL RANGE

2026-11-01O $148.6H $149.4L $148.6C $149.4VOL 3.22M

RES: $168.1SUP: $131.5SMA50: $151.4SMA200: $139.5

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BNY Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

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Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

11.5%/yr Implied 5Y Growth

vs. +7.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on BNY today. View full Setup Ledger →

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No direct multi-tier Butterfly edges indexed yet for BNY. Explore sector supply chains on /butterfly.

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DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BNY)

Financials Rank #84 of 287 ⚔️ USB vs BNY Full Matrix →

1. Head-to-Head Financials Peer Comparison (BNY vs. USB, PNC, BNS, MFG)

Industry: Major Banks (49 Tracked Issuers)

Across 287 tracked Financials securities in the Roarable RQD universe, The Bank of New York Mellon Corporation (BNY) ranks #84 by composite RQD confidence (68/100, grade C+) and #33 by equity capitalization ($101.35B). Within this direct 5-issuer industry benchmark cohort, USB leads on earnings valuation at 12.5x trailing P/E, while BNS leads on capital efficiency and profitability with 9.9% ROIC and — gross margin. USB currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with BNY at 68/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
BNY ACTIVE The Bank of New York Mellon Corporation	C+	68/100	18.3x	—	2.4%	+0.53%	$101.35B	Benchmark Subject
USB U.S. Bancorp	C+	69/100	12.5x	—	3.0%	+1.75%	$94.48B	/usb-vs-bny →
PNC PNC Financial Services Group Inc.	C	62/100	36.8x	—	1.2%	+1.57%	$92.49B	/pnc-vs-bny →
BNS Bank Nova Scotia Halifax Pfd 3	C+	66/100	32.8x	—	9.9%	+0.92%	$117.05B	/bns-vs-bny →
MFG Mizuho Financial Group Inc. Sponosred ADR (Japan)	C-	60/100	32.8x	—	9.9%	+2.67%	$124.37B	/mfg-vs-bny →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001390777

In its most recent audited fiscal period (FY2025, filed 2025-12-31), The Bank of New York Mellon Corporation (BNY) reported GAAP revenue of $20.08B (+7.8% vs. FY2024 revenue of $18.62B , and +13.5% cumulative change since FY2023) , GAAP net income of $5.55B, operating cash flow of $6.73B, and free cash flow of $5.18B (+762.0% YoY). On the balance sheet, BNY closed FY2025 with $472.30B in total assets against $192.37B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 8/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$20.08B	$5.55B	$6.73B	$5.18B	$472.30B	$192.37B
FY2024 (FY)	2024-12-31	$18.62B	$4.53B	$687.0M	-$782.0M	$416.06B	$168.44B
FY2023 (FY)	2023-12-31	$17.70B	$3.30B	$5.91B	$5.12B	$55.74B	$13.04B

3. BNY Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is BNY stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, The Bank of New York Mellon Corporation (NYSE: BNY) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $149.37 (+0.53% 1D, market cap $101.35B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 13/20. Across 287 tracked Financials issuers, BNY ranks #84 in composite RQD confidence.

How does BNY compare to USB and PNC in the Financials sector?

Within the Financials sector (Major Banks), BNY carries a Roarable C+ (68/100 RQD), trailing P/E of 18.3x, gross margin of —, and ROIC of 2.4%. By comparison, USB (U.S. Bancorp) holds a C+ grade (69/100 RQD, P/E 12.5x, ROIC 3.0%, cap $94.48B) and PNC (PNC Financial Services Group Inc.) posts a C grade (62/100 RQD, P/E 36.8x, ROIC 1.2%, cap $92.49B). Among the 5-stock peer group, USB leads on earnings multiple (12.5x) while BNS leads on capital efficiency (9.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for BNY?

Per BNY's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001390777), The Bank of New York Mellon Corporation generated $20.08B in revenue (+7.8% YoY), $5.55B in net income, and $5.18B in free cash flow against $472.30B in total assets and $192.37B in total debt. Key quantitative strengths: Clean SEC annual filing review with no major hidden accounting time-bombs.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is BNY trading relative to its 50-day, 200-day, and 52-week technical levels?

BNY last traded at $149.37 (+0.53% on volume of 3,216,335 shares), positioning the stock -1.33% below its 50-day simple moving average ($151.38) and +7.08% above its 200-day simple moving average ($139.50). Across its 52-week range of $105.42 to $165.84, BNY sits at the 72.7% percentile with a 14-day RSI of 56.0 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.2% ($143.10 to $155.64).

BNY Investor FAQ & Complete 8-Part Research Index

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How profitable is The Bank of New York Mellon Corporation (BNY)?

In FY 2025 (10-K), BNY converted $20.1B of revenue into a 52% gross margin, 32.6% operating margin, and $5.2B in free cash flow (25.8% FCF margin).

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