$145.40

+1.48 (+1.03%)

Weekly Expected Move ±2.3%

$139 $142 $145 $149 $152

NYSE · Financial Services · Investment - Banking & Investment Services · Tech Score Sell · Power 36 · $99.8B mcap · 677M float · 0.537% daily turnover · Short 19% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

NO EDGE

39.5 / 100

NoneWeakNarrowWide

Primary source: Efficient Scale · ROIC: -5.9%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale ★

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. BNY has No discernible competitive edge (39.5/100). The business operates without significant structural advantages. The primary source of advantage is Efficient Scale. Negative ROIC of -5.9% indicates the company is currently destroying value, though this may reflect a growth investment phase.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

$150

Low

$169

Avg Target

$180

High

Based on 9 analysts since Jul 15, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 10Hold: 12Sell: 0Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$166.80

Analysts10

Consensus Change History

Date	Field	From	To
2026-05-22	consensus	Buy	Hold
2026-05-21	_new_coverage	None	ADDED
2026-05-21	_lost_coverage	EXISTED	None

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-10-01	Evercore ISI	—	$158	$150	-8	+3.7%	$144.64
2026-09-25	Truist Financial	David Smith	$178	$172	-6	+14.5%	$150.19
2026-07-22	Argus Research	—	Initiated	$180	—	+12.4%	$160.14
2026-07-20	Evercore ISI	—	$145	$158	+13	-0.1%	$158.16
2026-07-16	Truist Financial	—	$160	$178	+18	+10.5%	$161.02
2026-07-16	Goldman Sachs	—	$165	$177	+12	+9.0%	$162.35
2026-07-16	RBC Capital	Gerard Cassidy	Initiated	$168	—	+3.5%	$162.35
2026-07-16	Barclays	Jason Goldberg	Initiated	$178	—	+9.6%	$162.35
2026-07-16	Wells Fargo	—	Initiated	$162	—	-0.2%	$162.35
2026-07-06	Evercore ISI	—	Initiated	$145	—	-2.7%	$149.05
2026-06-30	Goldman Sachs	—	Initiated	$165	—	+14.7%	$143.80
2026-06-29	Morgan Stanley	—	Initiated	$147	—	+1.0%	$145.57
2026-06-26	Truist Financial	David Smith	Initiated	$160	—	+12.1%	$142.77

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

A-

Oct 02, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. BNY receives an overall rating of A-. Strongest factors: DCF (5/5), ROE (4/5), ROA (5/5). Areas of concern: D/E (2/5), P/E (2/5), P/B (2/5).

Rating Change History

Date	From	To
2026-10-01	B	A-
2026-09-21	B-	B
2026-09-04	B	B-
2026-08-04	B+	B
2026-08-03	B-	B+
2026-07-17	C	B-
2026-07-15	B+	C
2026-05-26	B-	B+
2026-05-21	None	ADDED
2026-02-11	EXISTED	None

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 54 Grade B

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. BNY scores highest in Momentum (91/100) and lowest in Safety (15/100). A grade of B indicates above-average fundamentals with room for improvement in select areas.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman Z-Score

0.79

Distress Zone

Piotroski F-Score

5/9

✓ ✓ ✗ ✗ ✓ ✓ ✗ ✗ ✓

Beneish M-Score

1030.19

Possible Manipulator

Ohlson O-Score

-7.87

Bankruptcy prob: 0.0%

Low Risk

Credit Rating

BB-

Score: 35.9/100

Trend: Improving

Earnings Quality

75/100

OCF/NI: 0.96x

Accruals: 0.1%

The Altman Z-Score (1968) combines five ratios — working capital, retained earnings, EBIT, market value of equity, and sales, all relative to total assets or liabilities — into a single bankruptcy predictor. BNY scores 0.79, placing it in the Distress Zone (safe > 2.99, distress < 1.81). Historically, companies in this range face elevated bankruptcy risk. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. BNY scores 5/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. BNY's score of 1030.19 exceeds the −1.78 red flag threshold — this does not confirm manipulation but indicates the earnings profile resembles past manipulators statistically. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. BNY's implied 0.0% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. BNY receives an estimated rating of BB- (score: 35.9/100), with a improving trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). BNY's score of 75/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

16.85x

PEG

1.07x

P/S

2.47x

P/B

2.25x

P/FCF

32.59x

P/OCF

21.77x

EV/EBITDA

-3.60x

EV/Revenue

-0.90x

EV/EBIT

-4.40x

EV/FCF

-8.71x

Earnings Yield

4.80%

FCF Yield

3.07%

Shareholder Yield

4.40%

Graham Number

$100.01

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 16.8x earnings, BNY trades at a reasonable valuation. Graham's intrinsic value formula yields $100.01 per share, 45% below the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.792

NI / EBT

Interest Burden

0.999

EBT / EBIT

EBIT Margin

0.203

EBIT / Rev

Asset Turnover

0.115

Rev / Assets

Equity Multiplier

11.689

Assets / Equity

ROE

21.6%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. BNY's ROE of 21.6% is driven by financial leverage (equity multiplier: 11.69x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

15.00%

Fair P/E

38.50x

Intrinsic Value

$267.51

Price/Value

0.54x

Margin of Safety

45.94%

Premium

-45.94%

Assessment

Neutral

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with BNY's realized 15.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. BNY actually compounded EPS at 60.9% over three years; the model uses 15%, the highest rate it will extrapolate — of 4,457 company-quarters that grew faster than 200%, none sustained it over the following seven years. BNY trades at a -46% premium to its adjusted intrinsic value of $267.51, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 38.5x compares to the current market P/E of 16.8x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$145.40

Median 1Y

$132.73

5th Pctile

$27.37

95th Pctile

$642.55

Ann. Volatility

97.3%

Analyst Target

$166.80

25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

48,100

-7.1% YoY

Revenue / Employee

$424

Rev: $20,395,666

Profit / Employee

$-488

NI: $-23,487,720

SGA / Employee

$87

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q2'17	Q4'17	Q2'18	Q4'18	Q2'19	Q4'19	Q2'20	Q4'20	Q2'21	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q1'26	Q2'26	Current
ROE	3.7%	10.6%	4.6%	-0.4%	7.1%	8.1%	12.2%	11.3%	14.0%	8.6%	-0.7%	-14.2%	-17.4%	-16.3%	-8.9%	3.1%	2.4%	6.6%	13.7%	21.6%	21.58%
ROA	2.2%	6.4%	2.8%	-0.2%	4.2%	4.8%	7.2%	6.7%	8.2%	5.1%	-0.4%	-8.2%	-10.5%	-9.8%	-5.4%	1.8%	1.5%	0.6%	1.1%	1.8%	1.85%
ROIC	18.7%	15.3%	26.3%	6.8%	10.4%	8.4%	5.5%	6.0%	4.6%	3.3%	3.6%	4.3%	5.2%	9.3%	5.7%	13.8%	5.8%	-1.3%	-2.0%	-5.9%	-5.87%
ROCE	-1.0%	5.4%	5.7%	-0.8%	8.4%	9.7%	14.1%	13.6%	19.6%	8.7%	0.7%	-13.0%	-15.0%	-18.9%	-6.8%	8.8%	8.0%	2.2%	4.2%	1.2%	1.18%
Gross Margin	1.0%	1.0%	1.0%	1.0%	68.0%	67.7%	66.6%	66.9%	64.3%	67.9%	64.8%	69.0%	70.9%	72.2%	72.9%	85.0%	82.6%	51.0%	54.9%	56.0%	55.99%
Operating Margin	82.7%	83.3%	82.4%	83.1%	83.1%	82.9%	82.1%	82.4%	80.9%	82.3%	81.5%	83.8%	84.4%	85.1%	85.4%	78.4%	8.8%	18.3%	20.4%	22.2%	22.24%
Net Margin	-1.9%	1.6%	5.2%	19.6%	27.1%	2.0%	1.3%	-13.2%	1.1%	1.1%	-1.8%	-3.5%	-7.1%	-7.8%	78.3%	34.2%	-37.7%	14.5%	16.5%	17.3%	17.28%
EBITDA Margin	-3.8%	73.7%	-77.2%	-63.5%	-56.0%	1.2%	47.3%	-95.6%	33.3%	32.6%	-2.6%	-6.7%	-91.6%	-92.9%	-7.2%	0.0%	8.8%	23.8%	24.6%	26.2%	26.16%
FCF Margin	57.7%	60.3%	64.3%	67.2%	73.3%	66.2%	64.5%	61.7%	67.2%	75.2%	88.0%	99.7%	1.1%	99.3%	96.8%	84.7%	67.0%	47.2%	5.7%	10.3%	10.28%
OCF Margin	57.7%	60.3%	64.3%	67.2%	73.3%	66.2%	64.5%	61.7%	67.2%	75.2%	88.0%	99.7%	1.1%	99.3%	96.8%	84.7%	67.0%	51.6%	10.9%	15.4%	15.39%
ROE 3Y Avg	snapshot only																				0.82%
ROE 5Y Avg	snapshot only																				2.62%
ROA 3Y Avg	snapshot only																				-1.26%
ROIC Economic	snapshot only																				6.17%
Cash ROA	snapshot only																				0.88%
NOPAT Margin	snapshot only																				16.23%
Pretax Margin	snapshot only																				20.33%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				24.75%
SBC / Revenue	snapshot only																				0.00%

Valuation

Metric	Q2'17	Q4'17	Q2'18	Q4'18	Q2'19	Q4'19	Q2'20	Q4'20	Q2'21	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q1'26	Q2'26	Current
P/E Ratio	17.05	6.58	13.68	-154.62	8.96	8.33	6.01	6.52	5.72	12.54	-150.38	-6.71	-5.47	-4.08	-8.06	25.74	33.98	4.87	2.29	20.81	16.848
P/S Ratio	4.64	5.19	4.79	4.57	4.74	5.27	5.66	5.63	6.18	11.20	8.62	6.79	6.10	5.60	5.83	6.25	6.52	0.71	0.35	3.35	2.465
P/B Ratio	0.65	0.69	0.64	0.61	0.64	0.68	0.72	0.72	0.78	0.82	0.78	0.78	0.79	0.76	0.78	0.82	0.85	0.16	0.16	2.26	2.250
P/FCF	8.05	8.61	7.45	6.81	6.46	7.96	8.78	9.12	9.20	14.89	9.80	6.81	5.71	5.64	6.02	7.37	9.72	1.50	6.28	32.59	32.590
P/OCF	8.05	8.61	7.45	6.81	6.46	7.96	8.78	9.12	9.20	14.89	9.80	6.81	5.71	5.64	6.02	7.37	9.72	1.37	3.25	21.77	21.769
EV/EBITDA	-11.48	-16.39	-6.39	-6.01	-32.75	-53.46	96.12	303.98	44.58	275.08	-17.41	-5.26	-4.31	-1.91	-4.70	-22.37	-45.46	-62.44	-40.18	-3.60	-3.602
EV/Revenue	9.49	5.10	4.80	6.82	9.87	10.45	10.97	11.07	11.61	20.32	15.24	13.14	10.97	5.35	10.17	10.96	11.33	-14.83	-9.73	-0.90	-0.896
EV/EBIT	-91.33	7.66	6.85	-115.37	9.34	8.25	5.82	6.11	5.04	10.27	126.53	-7.34	-5.81	-2.36	-12.52	10.14	11.09	-79.77	-50.16	-4.40	-4.404
EV/FCF	16.45	8.45	7.46	10.16	13.45	15.78	17.00	17.95	17.28	27.02	17.33	13.17	10.27	5.39	10.50	12.94	16.90	-31.39	-172.03	-8.71	-8.713
Earnings Yield	5.9%	15.2%	7.3%	-0.6%	11.2%	12.0%	16.6%	15.3%	17.5%	8.0%	-0.7%	-14.9%	-18.3%	-24.5%	-12.4%	3.9%	2.9%	20.6%	43.7%	4.8%	4.80%
FCF Yield	12.4%	11.6%	13.4%	14.7%	15.5%	12.6%	11.4%	11.0%	10.9%	6.7%	10.2%	14.7%	17.5%	17.7%	16.6%	13.6%	10.3%	66.7%	15.9%	3.1%	3.07%
PEG Ratio	snapshot only																				1.074
Price/Tangible Book	snapshot only																				4.017
EV/OCF	snapshot only																				-5.820
EV/Gross Profit	snapshot only																				-1.660
Acquirers Multiple	snapshot only																				-4.404
Shareholder Yield	snapshot only																				4.40%
Graham Number	snapshot only																				$100.01

Leverage & Solvency

Metric	Q2'17	Q4'17	Q2'18	Q4'18	Q2'19	Q4'19	Q2'20	Q4'20	Q2'21	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	0.11	1.68	4.46	0.03	1.34	0.48	4.93	4.64	0.09	4.11	1.43	0.14	5.04	1.60	1.34	0.78	—	0.70	0.57	40.62	40.617
Quick Ratio	0.11	1.68	4.46	-0.46	1.34	0.48	-0.06	4.64	0.09	4.11	0.02	0.14	5.04	1.60	1.34	0.78	—	0.70	0.57	40.62	40.617
Debt/Equity	0.67	0.00	0.00	0.00	0.70	0.66	0.67	0.70	0.69	0.67	0.67	0.73	0.63	0.00	0.61	0.62	0.64	0.76	1.19	0.79	0.788
Net Debt/Equity	0.67	-0.01	0.00	0.30	0.69	0.66	0.67	0.70	0.68	0.67	0.60	0.73	0.63	-0.03	0.58	0.62	0.63	-3.54	-4.49	-2.86	-2.865
Debt/Assets	0.40	0.00	0.00	0.00	0.41	0.39	0.39	0.41	0.41	0.40	0.40	0.42	0.39	0.00	0.38	0.38	0.39	0.07	0.09	0.07	0.067
Debt/EBITDA	-5.86	-0.02	-0.01	-0.01	-17.21	-26.48	46.50	149.94	21.27	123.45	-8.46	-2.54	-1.92	-0.00	-2.12	-9.62	-19.87	14.13	11.03	4.69	4.695
Net Debt/EBITDA	-5.86	0.30	-0.01	-1.98	-17.03	-26.48	46.49	149.49	20.84	123.44	-7.57	-2.54	-1.92	0.09	-2.01	-9.62	-19.31	-65.42	-41.65	-17.07	-17.073
Interest Coverage	—	—	—	—	—	—	—	—	—	—	—	—	-11.77	-6.55	-1.46	1.89	2.38	0.38	0.41	0.44	0.441
Equity Multiplier	1.68	1.66	1.67	1.68	1.72	1.70	1.70	1.70	1.70	1.67	1.68	1.74	1.64	1.64	1.62	1.64	1.65	10.66	12.54	11.75	11.755
Cash Ratio	snapshot only																				33.874
Debt Service Coverage	snapshot only																				0.539
Cash to Debt	snapshot only																				4.637
FCF to Debt	snapshot only																				0.088
Defensive Interval	snapshot only																				7047.5 days

Efficiency & Turnover

Metric	Q2'17	Q4'17	Q2'18	Q4'18	Q2'19	Q4'19	Q2'20	Q4'20	Q2'21	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q1'26	Q2'26	Current
Asset Turnover	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.06	0.07	0.08	0.09	0.07	0.07	0.08	0.08	0.04	0.07	0.11	0.115
Inventory Turnover	—	—	—	0.00	—	—	3.29	0.26	—	—	2.40	—	—	—	4.37	—	—	—	—	—	—
Receivables Turnover (trade)	7.64	7.66	6.05	7.41	6.26	7.87	7.33	7.66	5.97	6.14	7.17	8.08	9.14	7.55	7.84	7.66	5.26	14.02	6.02	1.86	1.856
Payables Turnover	—	0.00	0.00	0.00	1.14	0.93	8.25	11.99	4.73	2.24	4.83	5.98	24.68	5.60	4.02	3.20	16.09	0.45	0.76	10078.37	10078.365
DSO (trade)	48	48	60	49	58	46	50	48	61	59	51	45	40	48	47	48	69	26	61	197	196.7 days
DIO	—	—	—	—	0	0	111	1389	0	0	152	0	0	0	84	0	0	0	0	0	0.0 days
DPO	—	—	—	—	319	391	44	30	77	163	76	61	15	65	91	114	23	808	481	0	0.0 days
Cash Conversion Cycle (trade)	—	—	—	—	-261	-345	116	1406	-16	-104	127	-16	25	-17	39	-66	47	-782	-421	197	196.7 days
Fixed Asset Turnover	snapshot only																				7.706
Cash Velocity	snapshot only																				0.185
Capital Intensity	snapshot only																				17.425

Growth (YoY)

Metric	Q2'17	Q4'17	Q2'18	Q4'18	Q2'19	Q4'19	Q2'20	Q4'20	Q2'21	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q1'26	Q2'26	Current
Revenue	-6.3%	-4.8%	-5.1%	-5.5%	-4.6%	-3.6%	-2.2%	-0.9%	-1.1%	9.9%	25.5%	40.8%	56.6%	44.0%	24.8%	8.4%	-6.5%	253.0%	505.2%	785.6%	785.64%
Net Income	-66.9%	-49.5%	-78.9%	-1.0%	85.0%	-22.7%	1.6%	29.9%	1.0%	55.1%	-1.1%	-2.7%	-2.6%	-3.2%	-14.8%	1.3%	1.2%	27.9%	109.5%	521.0%	520.99%
EPS	-67.0%	-49.7%	-79.0%	-1.0%	84.8%	-22.8%	1.6%	29.9%	1.0%	-18.2%	-1.0%	-1.9%	-1.9%	-3.2%	-15.1%	1.3%	1.2%	1.9%	4.7%	17.0%	17.03%
FCF	-47.3%	-43.7%	5.8%	-1.3%	21.3%	5.8%	-1.9%	-9.0%	-9.4%	24.8%	71.2%	1.3%	1.5%	90.2%	37.4%	-7.9%	-41.3%	119.8%	28.6%	94.5%	94.47%
EBITDA	-8.8%	-1.5%	-2.0%	-2.9%	65.2%	39.5%	1.1%	1.0%	1.9%	1.4%	-10.6%	-97.5%	-16.3%	-55.6%	-2.1%	78.7%	90.8%	22.6%	57.7%	400.3%	400.33%
Op. Income	-8.1%	-6.4%	-6.5%	-6.4%	-5.0%	-3.9%	-2.3%	-1.3%	-2.2%	8.7%	24.0%	40.1%	58.4%	47.0%	29.3%	10.1%	-24.7%	55.0%	115.0%	190.7%	190.74%
OCF Growth	snapshot only																				141.93%
Asset Growth	snapshot only																				1101.73%
Equity Growth	snapshot only																				152.72%
Debt Growth	snapshot only																				193.89%
Shares Change	snapshot only																				27.95%
Dividend Growth	snapshot only																				1.06%

Growth (CAGR)

Metric	Q2'17	Q4'17	Q2'18	Q4'18	Q2'19	Q4'19	Q2'20	Q4'20	Q2'21	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q1'26	Q2'26	Current
Revenue 3Y	—	—	—	—	—	49.2%	20.2%	5.6%	-4.0%	0.3%	5.2%	9.6%	13.9%	15.1%	15.3%	14.8%	13.1%	6.4%	8.3%	9.6%	9.63%
Revenue 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	39.3%	22.2%	12.4%	5.3%	2.3%	2.7%	3.1%	3.08%
EPS 3Y	—	—	—	—	—	—	—	75.9%	7.2%	-31.8%	—	—	—	—	—	—	-34.4%	19.4%	34.4%	60.9%	60.92%
EPS 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	4.7%	-29.7%	-7.9%	6.1%	19.2%	19.25%
Net Income 3Y	—	—	—	—	—	—	—	76.1%	7.4%	-15.4%	—	—	—	—	—	—	-19.3%	3.5%	4.1%	5.1%	5.07%
Net Income 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	18.6%	-20.3%	1.0%	1.4%	1.6%	1.65%
EBITDA 3Y	—	—	—	—	—	—	—	—	—	-51.2%	—	—	—	—	—	—	—	—	10.9%	19.2%	19.17%
EBITDA 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	1.7%	2.0%	2.5%	2.47%
Gross Profit 3Y	—	—	—	—	—	40.6%	9.5%	-7.5%	-16.3%	-12.4%	-8.4%	-4.2%	0.2%	1.8%	3.0%	4.3%	7.0%	5.3%	7.2%	8.9%	8.88%
Gross Profit 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	29.4%	14.2%	6.1%	0.1%	1.9%	2.3%	2.6%	2.60%
Op. Income 3Y	—	—	—	—	—	47.7%	19.0%	4.4%	-5.1%	-0.8%	4.3%	9.0%	13.7%	15.4%	16.1%	15.1%	5.3%	3.5%	4.7%	5.7%	5.66%
Op. Income 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	38.8%	22.0%	11.9%	0.4%	1.4%	1.8%	2.1%	2.07%
FCF 3Y	—	—	—	—	—	38.3%	-9.9%	-13.7%	-16.6%	-9.4%	21.1%	26.9%	39.8%	35.9%	32.1%	24.0%	9.8%	5.6%	3.1%	4.8%	4.85%
FCF 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	44.4%	11.4%	6.2%	-3.3%	1.8%	1.4%	1.8%	1.82%
OCF 3Y	—	—	—	—	—	38.3%	-9.9%	-13.7%	-16.6%	-9.4%	21.1%	26.9%	39.8%	35.9%	32.1%	24.0%	9.8%	5.8%	4.1%	5.7%	5.69%
OCF 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	44.4%	11.4%	6.2%	-3.3%	1.8%	1.7%	2.1%	2.06%
Assets 3Y	—	—	—	—	—	2.7%	4.1%	2.1%	1.1%	25.1%	21.6%	17.1%	15.6%	14.0%	14.3%	14.6%	13.0%	10.2%	10.8%	10.6%	10.63%
Assets 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	9.4%	9.7%	8.7%	7.3%	3.3%	3.4%	3.4%	3.36%
Equity 3Y	—	—	—	—	—	4.0%	3.6%	1.1%	-0.6%	24.9%	20.5%	14.3%	16.6%	14.5%	15.4%	15.5%	14.5%	5.1%	5.1%	5.1%	5.11%
Book Value 3Y	—	—	—	—	—	3.9%	3.4%	0.9%	-0.7%	0.7%	-2.8%	-7.8%	-5.7%	-7.1%	-6.1%	-6.0%	-6.8%	60.9%	61.2%	61.8%	61.84%
Dividend 3Y	—	—	—	—	—	-7.1%	-7.6%	-6.8%	-3.4%	-13.1%	-4.8%	0.4%	1.5%	-8.8%	-19.3%	-24.3%	-25.5%	-33.5%	-11.5%	3.4%	3.44%

Growth Quality

Metric	Q2'17	Q4'17	Q2'18	Q4'18	Q2'19	Q4'19	Q2'20	Q4'20	Q2'21	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q1'26	Q2'26	Current
Revenue Stability	—	0.70	0.66	0.50	0.99	0.50	0.46	0.29	0.91	0.00	0.33	0.45	0.51	0.89	0.94	0.84	0.42	0.41	0.41	0.41	0.409
Earnings Stability	—	0.44	0.15	0.01	0.33	0.21	0.17	0.01	0.10	0.22	0.00	0.30	0.38	0.10	0.18	0.14	0.20	0.38	0.41	0.42	0.422
Margin Stability	—	1.00	1.00	1.00	0.95	0.92	0.87	0.82	0.82	0.82	0.80	0.77	0.79	0.81	0.80	0.79	0.82	0.75	0.76	0.76	0.765
Rev. Growth Consistency	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	0.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	0.00	0.00	0.00	0.00	0.50	0.00	0.50	0.50	1.00	0.50	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.000
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	—	0.50	0.50	0.20	0.50	0.91	0.50	0.20	0.50	0.50	0.20	0.20	0.20	0.20	0.50	0.20	0.20	0.20	0.20	0.50	0.500
Earnings Smoothness	0.00	0.34	0.00	—	0.40	0.74	0.10	—	0.32	0.57	—	—	—	—	—	—	—	—	—	0.00	0.000
ROE Trend	—	0.06	-0.02	-0.10	-0.00	-0.08	-0.01	0.02	0.08	-0.03	-0.09	-0.17	-0.25	-0.26	-0.15	0.03	0.03	0.09	0.12	0.15	0.151
Gross Margin Trend	—	0.00	0.00	0.00	-0.08	-0.16	-0.24	-0.33	-0.30	-0.25	-0.22	-0.17	-0.11	-0.06	0.00	0.08	0.11	-0.17	-0.16	-0.17	-0.169
FCF Margin Trend	—	-0.32	-0.41	-0.21	-0.07	-0.15	0.03	-0.04	0.02	0.12	0.24	0.35	0.37	0.29	0.21	0.04	-0.20	-0.40	-0.87	-0.82	-0.819
Sustainable Growth Rate	-6.4%	0.8%	-4.7%	—	-1.6%	0.3%	4.8%	3.9%	6.3%	1.9%	—	—	—	—	—	-4.2%	-5.4%	4.6%	9.9%	15.8%	15.75%
Internal Growth Rate	—	0.5%	—	—	—	0.2%	2.9%	2.4%	3.8%	1.2%	—	—	—	—	—	—	—	0.4%	0.8%	1.4%	1.37%

Cash Flow Quality

Metric	Q2'17	Q4'17	Q2'18	Q4'18	Q2'19	Q4'19	Q2'20	Q4'20	Q2'21	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q1'26	Q2'26	Current
OCF/Net Income	2.12	0.76	1.84	-22.72	1.39	1.05	0.68	0.72	0.62	0.84	-15.35	-0.98	-0.96	-0.72	-1.34	3.49	3.49	3.54	0.71	0.96	0.956
FCF/OCF	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.92	0.52	0.67	0.668
FCF/Net Income	snapshot only																				0.639
OCF/EBITDA	snapshot only																				0.619
CapEx/Revenue	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	4.3%	5.3%	5.1%	5.11%
CapEx/Depreciation	snapshot only																				1.128
Accruals Ratio	-0.02	0.02	-0.02	-0.05	-0.02	-0.00	0.02	0.02	0.03	0.01	-0.06	-0.16	-0.21	-0.17	-0.13	-0.05	-0.04	-0.02	0.00	0.00	0.001
Sloan Accruals	snapshot only																				0.721
Cash Flow Adequacy	snapshot only																				1.627
Earnings Quality Score	snapshot only																				0.750

Dividends & Buybacks

Metric	Q2'17	Q4'17	Q2'18	Q4'18	Q2'19	Q4'19	Q2'20	Q4'20	Q2'21	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q1'26	Q2'26	Current
Dividend Yield	16.1%	14.0%	14.7%	15.0%	13.8%	11.5%	10.1%	10.0%	9.6%	6.2%	8.7%	11.4%	12.4%	12.2%	10.1%	9.2%	9.5%	6.1%	12.2%	1.3%	1.56%
Dividend/Share	$1.52	$1.46	$1.40	$1.34	$1.26	$1.18	$1.11	$1.09	$1.14	$0.78	$0.96	$1.11	$1.20	$1.12	$0.96	$0.91	$0.94	$0.61	$1.24	$1.88	$2.27
Payout Ratio	2.7%	92.1%	2.0%	—	1.2%	96.0%	60.8%	65.5%	55.1%	77.5%	—	—	—	—	—	2.4%	3.2%	29.5%	27.9%	27.0%	27.00%
FCF Payout Ratio	1.3%	1.2%	1.1%	1.0%	88.8%	91.7%	88.8%	91.6%	88.7%	92.1%	85.3%	77.6%	70.6%	68.8%	60.7%	67.8%	92.5%	9.1%	76.5%	42.3%	42.28%
Total Payout Ratio	2.7%	92.1%	2.0%	—	1.2%	96.0%	60.8%	65.5%	55.1%	77.5%	—	—	—	—	—	2.8%	3.7%	1.0%	93.5%	91.5%	91.54%
Div. Increase Streak	0	0	0	0	0	0	0	0	0	0	0	0	0	1	0	0	0	1	0	0	0
Chowder Number	0.09	0.03	0.00	-0.00	-0.03	-0.08	-0.11	-0.09	0.00	0.31	0.73	1.04	1.10	0.54	0.08	-0.10	-0.14	15.00	36.42	58.57	58.567
Buyback Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.7%	1.6%	1.5%	1.5%	14.7%	28.6%	3.1%	3.10%
Net Buyback Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	-3.3%	-2.4%	-2.3%	-2.3%	-6.0%	7.8%	1.6%	1.65%
Total Shareholder Return	16.1%	14.0%	14.7%	15.0%	13.8%	11.5%	10.1%	10.0%	9.6%	6.2%	8.7%	11.4%	12.4%	8.9%	7.7%	6.9%	7.2%	0.0%	20.0%	2.9%	2.94%

DuPont Factors

Metric	Q2'17	Q4'17	Q2'18	Q4'18	Q2'19	Q4'19	Q2'20	Q4'20	Q2'21	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q1'26	Q2'26	Current
Tax Burden (NI/EBT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.79	0.80	0.79	0.792
Interest Burden (EBT/EBIT)	-2.62	1.18	0.50	0.50	0.50	0.50	0.50	0.48	0.47	0.45	-0.48	0.57	0.59	0.61	0.89	0.22	0.19	0.99	1.00	1.00	0.999
EBIT Margin	-0.10	0.67	0.70	-0.06	1.06	1.27	1.88	1.81	2.30	1.98	0.12	-1.79	-1.89	-2.27	-0.81	1.08	1.02	0.19	0.19	0.20	0.203
Asset Turnover	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.08	0.06	0.07	0.08	0.09	0.07	0.07	0.08	0.08	0.04	0.07	0.11	0.115
Equity Multiplier	1.65	1.66	1.65	1.65	1.70	1.68	1.68	1.69	1.71	1.68	1.69	1.73	1.66	1.66	1.65	1.69	1.65	10.60	12.47	11.69	11.689

Per Share

Metric	Q2'17	Q4'17	Q2'18	Q4'18	Q2'19	Q4'19	Q2'20	Q4'20	Q2'21	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q1'26	Q2'26	Current
EPS (Diluted TTM)	$0.55	$1.59	$0.69	$-0.06	$1.03	$1.23	$1.82	$1.67	$2.08	$1.00	$-0.07	$-1.45	$-1.77	$-2.25	$-1.18	$0.39	$0.29	$2.08	$4.43	$6.95	$6.95
Book Value/Share	$14.63	$15.04	$14.72	$14.52	$14.39	$15.09	$15.31	$15.09	$15.31	$15.30	$14.21	$12.51	$12.25	$12.05	$12.18	$12.05	$11.63	$62.88	$64.14	$63.97	$65.61
Tangible Book/Share	$14.63	$15.04	$14.72	$14.52	$14.39	$15.09	$15.31	$15.09	$15.31	$15.30	$14.21	$12.51	$12.25	$12.05	$12.18	$12.05	$11.63	$35.08	$32.27	$36.00	$36.00
Revenue/Share	$2.04	$2.01	$1.98	$1.95	$1.94	$1.94	$1.94	$1.93	$1.92	$1.12	$1.28	$1.43	$1.59	$1.63	$1.63	$1.59	$1.51	$14.32	$28.57	$43.16	$58.57
FCF/Share	$1.18	$1.21	$1.27	$1.31	$1.42	$1.28	$1.25	$1.19	$1.29	$0.84	$1.13	$1.43	$1.70	$1.62	$1.58	$1.35	$1.01	$6.77	$1.62	$4.44	$2.30
OCF/Share	$1.18	$1.21	$1.27	$1.31	$1.42	$1.28	$1.25	$1.19	$1.29	$0.84	$1.13	$1.43	$1.70	$1.62	$1.58	$1.35	$1.01	$7.38	$3.12	$6.64	$5.17
Cash/Share	$0.00	$0.20	$0.00	$-4.38	$0.10	$0.00	$0.00	$0.03	$0.22	$0.00	$1.00	$0.00	$0.01	$0.41	$0.39	$0.00	$0.21	$270.58	$364.36	$233.67	$236.03
EBITDA/Share	$-1.68	$-0.63	$-1.49	$-2.22	$-0.58	$-0.38	$0.22	$0.07	$0.50	$0.08	$-1.12	$-3.58	$-4.04	$-4.57	$-3.53	$-0.78	$-0.38	$3.40	$6.92	$10.73	$10.73
Debt/Share	$9.87	$0.01	$0.01	$0.01	$10.06	$10.02	$10.28	$10.56	$10.63	$10.22	$9.48	$9.09	$7.76	$0.00	$7.48	$7.49	$7.49	$48.07	$76.29	$50.40	$50.40
Net Debt/Share	$9.87	$-0.19	$0.01	$4.39	$9.96	$10.02	$10.27	$10.53	$10.42	$10.22	$8.48	$9.09	$7.75	$-0.41	$7.09	$7.49	$7.27	$-222.51	$-288.06	$-183.27	$-183.27

Academic Models

Metric	Q2'17	Q4'17	Q2'18	Q4'18	Q2'19	Q4'19	Q2'20	Q4'20	Q2'21	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q1'26	Q2'26	Current
Altman Z-Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	0.789
Altman Z-Prime	snapshot only																				2.987
Piotroski F-Score	3	4	5	3	5	3	5	4	4	5	2	4	6	6	6	9	6	4	4	5	5
Beneish M-Score	-2.68	-2.55	-2.95	-2.81	-1.91	-2.20	-2.03	-2.15	-2.53	-1.70	-2.09	-2.38	-2.81	-3.64	-3.32	-3.05	-2.42	929.94	888.15	1030.19	1030.188
Ohlson O-Score	snapshot only																				-7.871
ROIC (Greenblatt)	snapshot only																				3.15%
Net-Net WC	snapshot only																				$-406.87

Credit

Metric	Q2'17	Q4'17	Q2'18	Q4'18	Q2'19	Q4'19	Q2'20	Q4'20	Q2'21	Q4'21	Q2'22	Q4'22	Q2'23	Q4'23	Q2'24	Q4'24	Q2'25	Q4'25	Q1'26	Q2'26	Current
Credit Rating	snapshot only																				BB-
Credit Score	45.58	65.85	65.34	65.86	53.21	73.28	51.99	78.68	40.60	74.25	49.38	47.13	39.04	42.96	33.12	32.45	38.53	15.13	11.11	35.91	35.909
Credit Grade	snapshot only																				13
Credit Trend	snapshot only																				3.459
Implied Spread (bps)	snapshot only																				550.000
Industry Credit Rank	snapshot only																				40
Sector Credit Rank	snapshot only																				15

BNY NYSE

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Workforce & Productivity

Scaling Efficiency

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