BNY The Bank of New York Mellon Cor

Financial Services

Price

$160.22

Intrinsic value

$66.54

Buy price

$53.24

Discount

-140.8%

Overvalued

DCF walkthrough

This ticker is valued with the excess-return model (bank/insurer/lender), not the operating-cash-flow DCF, so growth-rate and years-of-growth sliders don't apply - only the discount rate (used as cost of equity) and margin of safety do.

Discount rate9.00%

Margin of safety20.00%

Operating CF: $3,305,000,000.00
Total debt: $90,116,997,120.00
Cash & STI: $221,603,004,416.00
Shares out.: 692,223,000

Overvalued

Intrinsic value$66.74

Buy price (with MOS)$53.39

Current price$160.22

Discount to intrinsic value-140.1%

7-step quality scorecard

ROE quality

LOW

Average ROE: 9.5%
Current ROE: 12.5%
Minimum ROE: 6.3%

Debt quality

LEVERAGED

Debt / Equity: 2.03x

Moat proxy

WEAK_PROXY

Cash-flow reliability

NOT_APPLICABLE

Operating CF / Net income: 0.55x

Technical chart

Confluence: NONE (0/3)

Weekly candles, ~3 years. Yellow line: 10-week EMA. Dashed lines: Fibonacci retracement of the last 52-week swing. Green arrow: an active DR1 support reclaim.

Assumptions & data quality

Data source: yfinance
Growth (g1) source: revenueCAGR
Valuation model: EXCESS_RETURN
Debt as % of DCF PV: 322.6%
Public economic interest: 98.9%

These are model outputs built on assumptions (growth rate, discount rate, margin of safety), not facts - trust but verify, especially for LOW cash-flow-reliability or UNKNOWN-quality rows.