CluenexBNY Mellon BNY
BNY Mellon scores average on business quality (5.3 of 10). Here is why, in plain words, and what our sealed record shows.
Why it matters
- What BNY Mellon does
Bank of New York Mellon makes money by safeguarding and servicing the world's investments, collecting fees from asset servicing, investment management, and issuer services for institutional clients.
- What it does best
BNY guards financial plumbing for the global elite, holding $53.3B in total debt while securing trillions in custody assets that create unmatched switching costs.
- The main risk
Regulatory shifts or infrastructure missteps in digital asset partnerships like the Payward talks could threaten fee streams if institutional clients pull back custody mandates.
Quality, check by check
Scored against its own industry, from company filings.
Net margin stands at 28.2% with a 14.2% ROE, reflecting stable baseline earnings power that struggles to scale higher despite rising revenues.
The bank relies on systemic scale that locks in institutional asset managers, landing in the middle of the pack with a 45th percentile ROE of 14.2%.
Revenue grew 7.8% to $21.4B, showing steady acceleration compared to prior historical periods where top-line expansion hovered at a slower pace.
Total debt sits at $53.3B alongside a debt-to-equity ratio of 1.2, while free cash flow rebounded to $1.6B, keeping the balance sheet adequately capitalized but constrained.
Insiders
Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.
1 sold $4.9M outside pre-planned sales.
Our sealed record on BNY
Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.
The first sealed verdicts appear here on Oct 11, 2026.
Questions
BNY Mellon scores average on the Cluenex quality check (5.3 of 10), measured against its own industry. Profitability is weak, moat fair, growth steady and financial health fair.
In the last 90 days of SEC Form 4 filings: 1 sold $4.9M outside pre-planned sales.
Oct 15, 2026, before the open.
See BNY today
- Today's verdict on BNY, and why
- Fair value with cautious, base and optimistic cases
- The exact price that would change the verdict
- Which stocks each signal names, the night it fires
Cite this page: Cluenex, “BNY Mellon (BNY)”, https://cluenex.com/stocks/bny/, data as of Oct 10, 2026.