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The Bank of New York Mellon Corporation (BONY34) fair value: what the stock is really worth

As of Sep 30, 2026: fair value of The Bank of New York Mellon Corporation BRL 318, price BRL 769, upside -58.7%, quality 62 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? Yes
  3. Add to watchlist

Financial Services · BR · ISIN US0640581007

TB Broad data Sep 29, 2026

The Bank of New York Mellon Corporation

BONY34 · SA

Stretched ValuationStrong overvaluation with only moderate quality.

!Fair value R$317.77 · Strongly overvalued (−58.7%)
✓Quality 62/100
✓Healthy Growth (revenue 5y +5.9 %/yr)
✓Highly profitable · 28.7% net margin (TTM)
✓Moderate debt · generates free cash flow
✓0.3% dividend yield · Well covered
✓Wide moat 71/100

What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

R$860.00 R$186.44 Fair Value R$317.77 Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 29, 2026.

How to read this chart

60‑month range R$186.44 – R$860.00 · fair‑value band R$286.77 – R$379.99 · the R$768.86 price screens above the R$317.77 fair value. Dashed = 300-day average. As of Sep 29, 2026.

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Company profile

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.

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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.

Stock analysis

The Bank of New York Mellon Corporation (BONY34) currently trades at R$768.86, while our model-based Fair Value estimate is R$317.77, 58.7% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of R$472.02 per share, and 0 of the 6 models we run sit above the R$768.86 price.

Bear case: the Dividend Discount group reads lowest at R$178.79, and 6 of the 6 models stay below the price. Evidence for this calculation is high.

Scenario range: R$286.77 (bear) to R$379.99 (bull), the price of R$768.86 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 62/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

The Bank of New York Mellon Corporation reported revenue of $19.8B in FY2025 versus $15.6B in FY2021, a compound +6.0%/yr. Reported net income was $5.5B in FY2025, compounding +10.2%/yr from FY2021.

Key figures

Market cap R$529B (≈ $101B) · P/E ratio 18.4 · P/S ratio 5.17 · EPS (TTM) R$41.74 · Dividend yield 0.3% · Net margin 28.1% · Return on equity 13.5% · Return on assets (EBIT) 1.4%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 52 out of 100 (low confidence).

What moves the price

The share trades about 11% below its 52-week high and 38% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −17% fair-value upside, at −59%, BONY34 screens richer than that median.

Fair Value models

Bear R$286.77 Fair Value R$317.77 Bull R$379.99
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (R$30.00 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income R$318.01 R$374.70 R$501.91 76
Gordon GGM R$117.71 R$224.08 R$374.55 66
DDM Multi-Stage R$117.71 R$178.79 R$244.91 66
All 6 models by family
Dividend Discount
Gordon GGM R$117.71 R$224.08 R$374.55 66
DDM Multi-Stage R$117.71 R$178.79 R$244.91 66
Multiples
P/E Multiple R$411.64 R$548.85 R$686.07 63
P/B Multiple R$354.01 R$472.02 R$590.02 55
Asset-Based
NCAV (Graham) R$168.58 R$225.89 R$337.15 54
Economic Profit
Residual Income R$318.01 R$374.70 R$501.91 76

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Quality Score breakdown

Overall quality 62/100

Of which business quality 69 · Market factors (momentum, volatility) 69

Profitability 37
Margins and returns on capital today
Quality Growth 36
Are margins and returns improving?
Cashflow 79
Earnings quality: real cash, not paper profit
Fin. Strength 91
Balance sheet, leverage, solvency risk
Investment 76
Disciplined investing over empire-building
Low Volatility 67
Calm price path (market factor)
Momentum 69
Price trend over the last 3–12 months (market factor)
52W Momentum 71
Distance to the 52-week high (market factor)
Net Issuance 100
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 81/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+8.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.9%
Start year 2020 (pandemic)
Revenue growth 9 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.2%
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+14.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+14.6%
Dividend (yield on the price)0.3%
Profit margin 2016 to 2019 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.34% → 37%
2025 sits 85% above its own trend. The rate follows the median trend of the last 5 years, not that single year.

Growth Forecast

Little optimism in the price
The price assumes less growth than the company has delivered so far and less than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−38.8%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+5.2%
Yearly sales growth analysts expect, extended to five years.
After inflation (figures in USD, USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −40.2% a year for the price and +2.7% for the forecasts.
Forecast 2026 (sales)+9.9%
Forecast 2027 (sales)+4.5%
Projected 2028 (sales)+4.2%
Projected 2029 (sales)+3.9%
Projected 2030 (sales)+3.6%

BONY34 screens overvalued: fair value 59% below the price. Compare with JPMorgan Chase & Co →

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Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

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Mitsubishi UFJ Financial Group MUFG $23.37 $14.86 −36%
Wells Fargo & Company WFC $80.05 $66.44 −17%
Citigroup Inc C $130.80 $107.10 −18%

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R$317.77 −59%Fair Value
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Cite: Fair Value Calculator (2026). "The Bank of New York Mellon Corporation Fair Value". https://www.fairvalue-calculator.com/stock/BONY34

Frequently asked questions

Is The Bank of New York Mellon Corporation (BONY34) overvalued or undervalued?
As of Sep 29, 2026, our model estimates a fair value of R$317.77 versus a price of R$768.86, about −59% upside (overvalued).
What is the fair value of BONY34?
Our model-based fair value for The Bank of New York Mellon Corporation is R$317.77 (as of Sep 29, 2026), built from audited fundamentals. The current price: R$768.86.
What is the quality score of BONY34?
The Bank of New York Mellon Corporation has a Quality Score of 62/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for The Bank of New York Mellon Corporation (BONY34)?
Our model-based price target is the fair value of R$317.77 (as of Sep 29, 2026) from 6 valuation models. Cautious scenario R$286.77, optimistic scenario R$379.99. It is a calculation from audited fundamentals, not an analyst target.
What is the The Bank of New York Mellon Corporation stock forecast for 2026?
Our models put fair value at R$317.77, about −59% upside versus a price of R$768.86 (overvalued). Cautious scenario R$286.77, optimistic scenario R$379.99. The calculation is refreshed regularly with new filings.
What is the revenue of The Bank of New York Mellon Corporation (BONY34)?
The Bank of New York Mellon Corporation reported trailing-twelve-month revenue of about $20.8B (latest available figure, as of Sep 29, 2026).
Does The Bank of New York Mellon Corporation pay a dividend?
The Bank of New York Mellon Corporation currently shows a dividend yield of about 0.27% relative to its recent price (as of Sep 29, 2026).
What growth is priced into The Bank of New York Mellon Corporation (BONY34)?
For today's price to be fair in a discounted-cash-flow model, The Bank of New York Mellon Corporation would have to grow free cash flow by -38.8 % per year for five years (discount rate 12.4 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +6.0 % per year. As of Sep 29, 2026.
What discount rate (WACC) does the fair value of BONY34 use?
Our models discount The Bank of New York Mellon Corporation at 12.4 %: a base by market capitalisation (large), damped by beta 1.06, country premium for Brazil. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For The Bank of New York Mellon Corporation that is -38.8 % per year a year over ten years, using the same discount rate (12.4 %) and the same formula as our fair value.
How much growth has The Bank of New York Mellon Corporation (BONY34) delivered so far?
Over the past 5 years revenue at The Bank of New York Mellon Corporation grew +6.0 % a year. The price currently implies -38.8 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of The Bank of New York Mellon Corporation (BONY34) growing?
The median revenue growth in the sector is +9.3 % a year. That is the yardstick for the growth priced into The Bank of New York Mellon Corporation (-38.8 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of The Bank of New York Mellon Corporation (BONY34)?
The free-cash-flow yield on the price is 5.11 %: that much free cash flow The Bank of New York Mellon Corporation produces per unit of market value. When it exceeds the discount rate of our models (12.4 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of The Bank of New York Mellon Corporation (BONY34)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For The Bank of New York Mellon Corporation it is R$317.77 per share (as of Sep 29, 2026), against a price of R$768.86. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is The Bank of New York Mellon Corporation stock overvalued or undervalued in 2026?
As of Sep 29, 2026, BONY34 trades above its calculated fair value: price R$768.86, fair value R$317.77, a gap of about −59% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BONY34?
No. The price is what the market pays today (R$768.86); the fair value is what the company's own numbers justify (R$317.77). For The Bank of New York Mellon Corporation the two are R$451.09 per share apart. That gap is exactly why we show both numbers side by side.
How much is The Bank of New York Mellon Corporation worth?
The market values The Bank of New York Mellon Corporation at about R$529B (market capitalisation, as of Sep 29, 2026). Per share that is R$768.86; our models calculate a fair value of R$317.77 per share.
What do the bullish and bearish scenarios say about BONY34?
Our models span a range for The Bank of New York Mellon Corporation: cautious scenario R$286.77, base R$317.77, optimistic R$379.99 per share (as of Sep 29, 2026, price R$768.86). The range comes from different growth and margin assumptions, not from analyst opinions.
How far is BONY34 from its 52-week high?
The Bank of New York Mellon Corporation trades at R$768.86, about 11% below its 52-week high of R$860.00 and 38% above the low of R$558.01 (as of Sep 30, 2026). Distance from the high says nothing about value: that is what the fair value of R$317.77 is for.
Which stocks are comparable to The Bank of New York Mellon Corporation?
From the same area (Financial Services) we also value JPMorgan Chase & Co, Industrial and Commercial Bank of China Limited, China Construction Bank Corporation, Bank of America Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is The Bank of New York Mellon Corporation stock attractive at the current price?
The data as of Sep 29, 2026: price R$768.86, calculated fair value R$317.77 (−59%), Quality Score 62/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BONY34 calculated?
We run The Bank of New York Mellon Corporation through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of R$317.77, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. The Bank of New York Mellon Corporation itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of The Bank of New York Mellon Corporation (BONY34)?
The closing price on Sep 30, 2026 was R$768.86. Our model-based fair value is R$317.77, about −59% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with The Bank of New York Mellon Corporation right now?
The price sits above even our optimistic bull case (R$379.99). 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.

Key figures of The Bank of New York Mellon Corporation

How large is the market capitalisation of The Bank of New York Mellon Corporation (BONY34)?
The market capitalisation of The Bank of New York Mellon Corporation is R$529B (≈ $101B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/E ratio of The Bank of New York Mellon Corporation (BONY34)?
The price-to-earnings ratio of The Bank of New York Mellon Corporation is 18.4. Price to earnings: how many years of current profit you pay for the stock. A P/E of 10 means ten years of profit.
What is the P/S ratio of The Bank of New York Mellon Corporation (BONY34)?
The price-to-sales ratio of The Bank of New York Mellon Corporation is 5.17 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of The Bank of New York Mellon Corporation (BONY34)?
Earnings per share at The Bank of New York Mellon Corporation are R$41.74 (price ÷ EPS = P/E 18.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of The Bank of New York Mellon Corporation (BONY34)?
The dividend yield of The Bank of New York Mellon Corporation is 0.3% (payout 4.9%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of The Bank of New York Mellon Corporation (BONY34)?
The net margin of The Bank of New York Mellon Corporation is 28.1% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of The Bank of New York Mellon Corporation (BONY34)?
The return on equity (ROE) of The Bank of New York Mellon Corporation is 13.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of The Bank of New York Mellon Corporation (BONY34)?
On an EBIT basis the return on assets of The Bank of New York Mellon Corporation is 1.4% (avg 4y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of The Bank of New York Mellon Corporation (BONY34)?
The operating margin of The Bank of New York Mellon Corporation is 37.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at The Bank of New York Mellon Corporation (BONY34)?
Revenue at The Bank of New York Mellon Corporation is growing +13.4% versus a year earlier (3y avg +7.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at The Bank of New York Mellon Corporation (BONY34)?
Earnings per share at The Bank of New York Mellon Corporation are growing +41.8% versus a year earlier. How much earnings per share grew versus a year earlier.
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