Core Insights - The Bank of New York Mellon Corporation (BNY) reported its financial results for the fourth quarter of 2025, with details available on their investor relations website [1] Financial Performance - BNY oversees $59.3 trillion in assets under custody and/or administration and $2.2 trillion in assets under management as of December 31, 2025 [4] Company Overview - BNY has been a key player in global financial services for over 240 years, serving over 90% of Fortune 100 companies and nearly all of the top 100 banks globally [4] - The company supports governments in funding local projects and collaborates with over 90% of the top 100 pension plans to safeguard investments for millions of individuals [4] Conference Call Information - A conference call and audio webcast regarding the financial results will take place at 11:00 a.m. ET, with access details provided for investors and analysts [2] - An archived version of the conference call will be available from January 13, 2026, at approximately 3:00 p.m. ET through February 13, 2026 [3]

Core Viewpoint - BNY Mellon is raising its medium-term performance targets, indicating a successful turnaround under CEO Robin Vince's leadership [1][2][3] Group 1: Performance Targets - BNY Mellon is increasing its medium-term targets for pre-tax margin and return on tangible common equity by 5 percentage points each, setting new targets at 38% and 28% respectively [1] - The medium-term targets are set with a 3- to 5-year horizon, reflecting the bank's confidence in its growth potential [3] Group 2: Leadership and Strategy - CEO Robin Vince, who joined BNY in 2020 and became CEO in 2022, emphasizes that the adjustments in targets demonstrate increased confidence in the company's future prospects [2] - Vince highlights that the bank has shown a strong track record of execution and performance over the past three years, reinforcing the belief that the turnaround strategy is effective [3]

Financial Performance - Fee and other revenue for Q4 2025 was $3,833 million, a 5% increase from $3,653 million in Q4 2024[4] - Net interest income increased to $1,346 million in Q4 2025, up 9% from $1,194 million in Q4 2024[4] - Total revenue reached $5,179 million in Q4 2025, representing a 7% increase compared to $4,847 million in Q4 2024[4] - Net income for Q4 2025 was $1,469 million, a 27% increase from $1,157 million in Q4 2024[4] - Diluted earnings per common share rose to $2.02 in Q4 2025, a 31% increase from $1.54 in Q4 2024[4] - Total revenue for FY25 increased by 8% to $20,080 million compared to FY24's $18,619 million[7] - Net income applicable to common shareholders rose by 22% to $5,306 million in FY25 from $4,336 million in FY24[7] - Earnings per common share (basic) increased by 28% to $7.47 in FY25 compared to $5.84 in FY24[7] - Total revenue for FY25 reached $9,730 million, representing a 9% increase compared to FY24's $8,916 million[15] - Total revenue for Q4 2025 was $1,805 million, an increase of 8% compared to Q4 2024, and FY 2025 total revenue reached $7,000 million, up 12% from FY 2024[21] Assets and Management - Assets under custody and/or administration (AUC/A) increased to $59.3 trillion, a 14% increase from $52.1 trillion in Q4 2024[4] - Assets under management (AUM) grew to $2.2 trillion, a 7% increase from $2.0 trillion in Q4 2024[4] - Total assets reached $472,300 million as of December 31, 2025, up from $416,064 million a year earlier[8] - Deposits grew to $331,894 million, reflecting an increase from $289,524 million in the previous year[8] - Total assets as of Q4 2025 amounted to $451,213 million, up from $437,491 million in Q3 2025[12] - Total assets under management (AUM) increased to $2,178 billion in Q4 25, reflecting a 2% growth from 3Q25 and a 7% increase from 4Q24[29] - Wealth Management client assets rose to $350 billion in 4Q25, a 1% increase from 3Q25 and a 7% increase year-over-year[29] Revenue Sources - Investment services fees for Q4 2025 were $2,632 million, up 8% from $2,438 million in Q4 2024[7] - Total fee revenue for Q4 2025 was $3,698 million, reflecting a 2% increase from Q3 2025 and a 5% increase year-over-year from Q4 2024[9] - Total investment and other revenue for FY 2025 reached $757 million, a significant increase compared to $687 million in FY 2024[9] - Total fee revenue for Q4 2025 was $1,227 million, an increase of 5% compared to Q4 2024, with FY 2025 total fee revenue at $4,816 million, up 8% year-over-year[21] - Investment management and performance fees for the Investment and Wealth Management segment were $807 million in Q4 2025, consistent with $809 million in Q4 2024, showing stability in fee income[46] Expenses and Profitability - Total noninterest expense increased by 3% to $13,054 million in FY25 compared to $12,701 million in FY24[7] - The pre-tax operating margin improved to 34% in Q4 25, up from 28% in Q4 24, reflecting enhanced operational efficiency[15] - Noninterest expense for 4Q25 was $703 million, a 10% increase from 3Q25 and a 3% decrease compared to FY24[25] - The pre-tax operating margin for Q4 2025 was 49%, consistent with the previous quarter and an improvement from 46% in FY 2024[21] - The pre-tax operating margin for the Investment and Wealth Management segment was 17% in Q4 2025, down from 20% in Q4 2024, indicating a decline in operational efficiency[46] Capital and Ratios - The common equity tier 1 (CET1) ratio was 11.9% at the end of Q4 2025, up from 11.2% in Q4 2024[4] - CET1 capital increased to $21,087 million as of December 31, 2025, up from $20,645 million in the previous quarter, reflecting a 2.1% growth[14] - The CET1 ratio under the Standardized Approach improved to 11.9% as of December 31, 2025, compared to 11.7% in the previous quarter[14] - The average tangible common shareholders' equity was $21,427 million for Q4 2025, reflecting a strong capital position[43] - The Bank of New York Mellon Corporation's common shareholders' equity at period end increased to $39,477 million as of December 31, 2025, up from $36,975 million a year earlier, reflecting a growth of 6.8%[45] Market Performance - The market capitalization of the company reached $79,897 million, an increase from $55,139 million in Q4 2024[4] - The market value of securities on loan reached $604 billion at the end of 4Q25, a 24% increase from $488 billion in the same period last year[17] Other Key Metrics - The average liquidity coverage ratio remained stable at 112% across the last four quarters, indicating strong liquidity management[14] - Daily average revenue trades (DARTs) on the U.S. platform were 285,000 in Q4 2025, a 12% increase from Q4 2024[22] - The company experienced net outflows of $3 billion in total AUM during 4Q25[29] - The allowance for loan losses decreased to $(245) million from $(294) million year-over-year[8] - The allowance for credit losses at the end of the period was $344 million, with a loan loss allowance of 0.30% of total loans[36]

The CNN Money Fear and Greed index showed further improvement in the overall market sentiment, while the index moved to the “Greed” zone on Monday.U.S. stocks settled higher on Monday, with the Nasdaq Composite gaining around 0.3% during the session. The S&P 500 and Dow Jones index also surged to new all-time highs.The S&P 500 gained 1% last week, while the Dow and Nasdaq surged 2.3% and 1.9%, respectively.Gold and silver surged to fresh record highs Monday as investors reassessed the Federal Reserve’s inde ...

Core Insights - U.S. stock futures are trading slightly lower, indicating a cautious market sentiment ahead of key earnings reports [1] Company Earnings Expectations - Delta Air Lines Inc (NYSE:DAL) is expected to report quarterly earnings of $1.53 per share on revenue of $14.73 billion, with shares rising 0.1% to $71.06 in after-hours trading [1] - JPMorgan Chase & Co (NYSE:JPM) is anticipated to post quarterly earnings of $4.95 per share on revenue of $46.20 billion, with shares increasing 0.2% to $324.97 in after-hours trading [1] - Concentrix Corp (NYSE:CNXC) is projected to report quarterly earnings of $2.91 per share on revenue of $2.54 billion, with shares gaining 1% to $40.90 in after-hours trading [1] - Bank of New York Mellon Corp (NYSE:BK) is expected to report quarterly earnings of $1.98 per share on revenue of $5.14 billion, with shares falling 0.3% to $120.25 in after-hours trading [1] Company Restructuring - Meta Platforms Inc. (NASDAQ:META) plans to cut about 10% or more jobs in its Reality Labs division to focus on next-generation AI initiatives, with potential layoffs announced as early as Tuesday [1]

Group 1 - The core focus of the article is on the upcoming earnings reports from major banks and their potential impact on the stock market, alongside the significance of the December CPI report [1] - Major banks including JPMorgan Chase and BNY Mellon are set to release their earnings today, with JPMorgan's CEO Jamie Dimon expected to share insights on the market and the U.S. economy [1] - Other banks such as Bank of America, Citigroup, and Wells Fargo will report their earnings tomorrow, while Morgan Stanley, Goldman Sachs, and BlackRock will follow on Thursday [1] Group 2 - Delta Air Lines is also scheduled to announce its earnings today, indicating a broader interest in the performance of the airline sector [1] - Taiwan Semiconductor Manufacturing Company (TSMC) will disclose its fourth-quarter earnings on Thursday, which is particularly noteworthy given its role as a bellwether for the semiconductor industry amid prevailing AI valuation risks [1]

Core Viewpoint - The Bank of New York Mellon Corporation (BK) is expected to report increased quarterly revenues and earnings for the fourth quarter and 2025 results on January 13, before market open [1][9]. Financial Performance - In the last reported quarter, BK's earnings exceeded the Zacks Consensus Estimate, driven by a rise in fee revenues and net interest income (NII), along with a provision benefit [2]. - The consensus estimate for fourth-quarter earnings is $1.97 per share, reflecting a 14.5% increase from the previous year [3]. - The consensus estimate for 2025 earnings is $7.40 per share, indicating a year-over-year growth of 22.7% [4]. Revenue Estimates - The consensus estimate for total investment services fees is $2.61 billion, suggesting a 7.1% increase from the year-ago quarter [5]. - Financing-related fees are estimated at $56 million, indicating a 5.7% year-over-year rise [5]. - The total fees and other revenues are projected to be $3.85 billion, reflecting a 5.3% increase from the previous year [7]. Net Interest Income (NII) - The consensus estimate for NII is $1.27 billion, indicating a 6.5% year-over-year rise [10]. - Despite recent interest rate cuts, NII is expected to increase due to robust loan growth and stable funding costs [9][10]. Expense Outlook - Overall expenses are anticipated to rise due to inflationary pressures and technology upgrades, with fourth-quarter non-interest expenses estimated at $3.34 billion, suggesting a marginal year-over-year decline [11]. - Management expects 2025 expenses to increase by 3% from $12.5 billion in 2024, driven by higher revenue-related expenses [12]. Earnings Surprise Potential - BK has a strong earnings surprise history, with an average beat of 9.1% over the trailing four quarters [3]. - The Earnings ESP for BK is +1.25%, indicating a high likelihood of beating the Zacks Consensus Estimate [13].

Core Viewpoint - The Bank of New York Mellon Corporation (BK) is experiencing positive sentiment among analysts, with an increasing average price target and strong earnings performance, indicating a favorable outlook for the company. Group 1: Price Target and Analyst Sentiment - The average price target for BK has risen to $133.67, reflecting positive sentiment among analysts [2][6] - A year ago, the average price target was $118.38, showing a steady increase over time, suggesting strong belief in BK's ability to deliver shareholder value [4] Group 2: Earnings Performance - BK reported a non-GAAP earnings per share (EPS) of $1.91 in the third quarter, surpassing the consensus estimate of $1.77, with a year-over-year revenue growth of 9% [3][6] - The company is anticipated to see an increase in fourth-quarter earnings, driven by rising fee income and higher net interest income [2] Group 3: Growth Projections - BK's management has raised guidance through 2025, expecting a bottom line growth of 10% to 12%, supporting continued investment in the stock [4] - The positive momentum in bank stocks is expected to continue into 2026, with BK highlighted as a key player in the S&P 500 [5]

JPM stock slides in a buy zone as President Donald Trump aims to cap credit card interest rates. JPMorgan reports earnings Tuesday. ...

Core Insights - The Bank of New York Mellon Corporation (BK) is expected to report fourth-quarter and 2025 results on January 13, with anticipated year-over-year increases in revenues and earnings [1][9]. Financial Performance - In the last reported quarter, BK's earnings exceeded the Zacks Consensus Estimate, driven by increased fee revenues and net interest income (NII), along with a provision benefit [2]. - The consensus estimate for fourth-quarter earnings is $1.97 per share, reflecting a 14.5% increase from the previous year [3]. - The 2025 earnings estimate is $7.40 per share, indicating a year-over-year growth of 22.7% [4]. Revenue Estimates - The consensus estimate for total investment services fees is $2.61 billion, suggesting a 7.1% increase from the previous year [5]. - Financing-related fees are estimated at $56 million, indicating a 5.7% year-over-year rise [5]. - Total fees and other revenues are projected at $3.85 billion, reflecting a 5.3% increase from the prior year [7]. Net Interest Income (NII) - The consensus estimate for NII is $1.27 billion, indicating a 6.5% year-over-year rise, supported by robust loan growth and stable funding costs despite recent interest rate cuts [10]. - Management expects fourth-quarter 2025 NII to remain flat sequentially, with full-year NII projected to rise 12% year-over-year [10]. Expense Outlook - Overall expenses are expected to increase due to inflationary pressures and technology upgrades, with fourth-quarter non-interest expenses estimated at $3.34 billion, suggesting a marginal year-over-year decline [11]. - For 2025, expenses are expected to rise 3% from $12.5 billion in 2024, driven by higher revenue-related expenses and continued investments [12]. Earnings Surprise Potential - BNY Mellon has a strong earnings surprise history, with an average beat of 9.1% over the last four quarters [3]. - The Earnings ESP for BNY Mellon is +1.25%, indicating a high likelihood of beating the Zacks Consensus Estimate [13]. - The company currently holds a Zacks Rank 2 (Buy) [14].