NYSE$BK

Bank of New York Mellon Corp · Q3 2025 earnings

Q3 2025 earnings · · Before market open · Investor relations

Briefing

Bank of New York Mellon reported Q3 2025 total revenue of $5.1B with net income applicable to common shareholders of $1.34B and diluted EPS of $1.88 ($1.91 adjusted).

Total revenue increased 9% to $5.1B on higher net interest income, client activity, and market values across Asset Servicing and Wealth Management. Net income applicable to common shareholders was $1.34B, or $1.88 per share; adjusted EPS was $1.91 excluding notable items.

  • Q3 total revenue $5.1B (+9% YoY).
  • Net income to common $1.34B; diluted EPS $1.88.
  • Asset Servicing and Issuer Services revenue growth.
  • Wealth and Investment Management fees benefited from markets.
  • Capital returns and CET1 support continued buybacks.

Headline financials

Total Revenue

$5.08B

Previous: $4.65B+9.3%
EPS (adj)

$1.91

Previous: $1.50+27.3%
Assets under custody/admin

$57.8T

No prior period
Assets under management

$2.14T

No prior period
CET1 Capital Ratio

11.7%

No prior period
Supplementary Leverage Ratio

6.7%

No prior period
Return on Common Equity

13.7%

Previous: 12.0%+14.2%
Return on Tangible Common Equity

25.6%

Previous: 22.8%+12.3%
Capital Expenditures

-$1.12B

Previous: -$1.06B-5.8%
Free Cash Flow

$328M

Previous: $126M+160.3%
Net Income

$1.45B

Previous: $1.18B+22.3%
Operating Income

-$1.43B

Previous: -$2.03B+29.7%
Gross Profit

$5.07B

Previous: $4.63B+9.7%
Cash & Equivalents

$5.06B

Previous: $6.23B-18.9%
Total Assets

$455B

Previous: $427B+6.5%

Revenue & EPS history

BNY Mellon · Revenue · Quarterly

$5.08B

Q3 2025+9.3%vs Q3 2024
Beat estimate in 13 of 15 quarters(87%)
ActualEstimate

Revenue by segment

BNY Mellon · $3.01B total across 5 segments · Q3 2021

  • Asset Servicing
    $1.44B+6.1%
  • Pershing
    $566M+5.2%
  • Issuer Services
    $400M-8.0%
  • Payments and Trade
    $326M+0.9%
  • Clearance & Collateral Mgmt
    $281M

Forward guidance

Regional and money-center banks emphasize net interest margin, credit quality, and capital returns.

Tailwinds

  • Net interest income and deposit mix optimization.
  • Fee income from payments and wealth.
  • Capital ratios supporting dividends and buybacks.

Headwinds

  • Commercial real estate and consumer credit risk.
  • Deposit competition and funding costs.
  • Rate path uncertainty on NIM.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q3 2025

Historical avgQ3 2025

+0.3%

Avg return

Earnings day

+0.3%

Avg return

5 days after

+2.1%

Avg return

30 days after

58%

42 / 73 earnings

Positive

+8.3%

Q4 2024

Best reaction

-9.4%

Q1 2019

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-2.8%+4.5%+2.3%
Q4 2025+2.1%+4.5%+2.3%
Q3 2025-2.1%-1.8%+1.4%
Q2 2025+1.4%-0.8%+4.5%
Q1 2025+1.4%-1.1%+12.1%
Q4 2024+8.3%+9.7%+15.7%
Q3 2024+2.8%+3.8%+3.5%
Q2 2024+6.9%+4.3%+3.8%
Q1 2024-1.1%+2.2%+6.7%
Q4 2023+5.0%+4.0%+4.7%
Q3 2023+3.1%-0.4%+11.1%
Q2 2023+4.7%+3.4%+1.3%
Q1 2023+2.3%-0.4%-7.1%
Q4 2022+3.2%+2.2%+6.7%
Q3 2022+4.0%+4.7%+14.1%
Q2 2022+5.8%+6.7%+11.0%
Q1 2022-1.6%-6.5%-8.5%
Q4 2021-6.9%-10.1%-9.8%
Q3 2021+3.3%+4.0%+0.6%
Q2 2021+0.2%+0.3%+9.3%
Q1 2021-2.5%-1.7%+7.9%
Q4 2020-7.8%-9.9%-7.6%
Q3 2020-0.7%-0.9%+4.0%
Q2 2020-5.7%-7.8%-3.7%
Q1 2020+8.0%+1.7%-7.4%
Q4 2019-8.9%-7.7%-9.4%
Q3 2019+0.0%+3.0%+9.5%
Q2 2019+4.1%+6.3%-1.8%
Q1 2019-9.4%-9.8%-13.8%
Q4 2018+4.3%+6.6%+7.2%
Q3 2018-3.6%-5.8%+0.5%
Q2 2018-5.7%-2.6%-7.1%
Q1 2018+6.0%+6.0%+9.0%
Q4 2017-2.2%-0.3%-2.8%
Q3 2017-2.5%-2.9%-3.7%
Q2 2017+0.6%+1.3%-1.8%
Q1 2017-0.2%+0.8%-0.7%
Q4 2016-3.6%-3.5%+2.0%
Q3 2016+6.5%+7.3%+17.3%
Q2 2016-2.0%-1.0%+0.6%
Q1 2016+3.4%
Q4 2015-0.9%
Q3 2015+1.7%
Q2 2015+4.1%
Q1 2015+3.8%
Q4 2014-3.4%
Q3 2014+0.6%
Q2 2014+1.2%
Q1 2014+1.5%
Q4 2013-2.4%
Q3 2013+1.6%
Q2 2013+3.7%
Q1 2013-3.8%
Q4 2012-1.3%
Q3 2012+6.0%
Q2 2012-2.0%
Q1 2012-2.8%
Q4 2011+0.4%
Q3 2011-4.5%
Q2 2011-7.4%
Q1 2011+2.0%
Q4 2010-1.5%
Q4 2009-1.5%
Q3 2010-1.5%
Q2 2010-0.6%
Q1 2010+1.8%
Q4 2007+0.1%
Q3 2008+2.7%
Q3 2009+2.7%
Q2 2008+0.9%
Q2 2009+0.9%
Q1 2009+0.9%
Q4 2008+0.9%

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