BKHIGH SIGNALFINANCIAL10-K

BNY Mellon experienced dramatic operational improvements with operating cash flow surging 880% to $6.7B while interest expenses quadrupled to $16.3B, indicating significant balance sheet repositioning amid rising rate environment.

The massive operating cash flow increase alongside substantial interest expense growth suggests BNY successfully navigated interest rate volatility and optimized its deposit-heavy business model. The company's ability to grow net income 22.5% despite 351% higher interest costs demonstrates strong operational leverage and pricing power in their custody and asset management franchise.

Comparing 2026-02-25 vs 2025-02-27View on EDGAR →
FINANCIAL ANALYSIS

BNY Mellon showed exceptional financial performance with operating cash flow exploding from $687M to $6.7B, while the company expanded significantly with total assets growing 13.5% to $472B and deposits increasing 14.6% to $332B. Although interest expenses surged 351% reflecting the higher rate environment, net income still grew a robust 22.5% to $5.5B, demonstrating the company's ability to monetize its expanded deposit base and custody operations. The combination of dramatically improved cash generation, balance sheet growth, and sustained profitability signals strong execution of BNY's asset-light, fee-driven business model.

FINANCIAL STATEMENT CHANGES
Operating Cash Flow
Cash Flow
+879.6%
$687.0M→$6.7B

Operating cash flow surged 879.6% — exceptional cash generation, highest quality earnings signal.

Interest Expense
P&L
+351.1%
$3.6B→$16.3B

Interest expense surged 351.1% — significant debt increase or rising rates materially impacting earnings.

Net Income
P&L
+22.5%
$4.5B→$5.5B

Net income grew 22.5% — bottom-line growth signals improving overall business health.

Cash & Equivalents
Balance Sheet
+22.3%
$4.2B→$5.1B

Cash grew 22.3% — improving liquidity position supports investment and shareholder returns.

Share Buybacks
Cash Flow
+15.4%
$3.1B→$3.5B

Share repurchases increased 15.4% — management returning capital, signals confidence in intrinsic value.

Total Deposits
Balance Sheet
+14.6%
$289.5B→$331.9B

Deposits grew 14.6% — expanding customer base or increased trust in the institution.

Total Liabilities
Balance Sheet
+14.2%
$374.3B→$427.5B

Liabilities increased 14.2% — monitor debt-to-equity ratio and interest coverage.

Total Assets
Balance Sheet
+13.5%
$416.1B→$472.3B

Asset base grew 13.5% — expansion through organic growth, acquisitions, or capital deployment.

LANGUAGE CHANGES
NEW — 2026-02-25
PRIOR — 2025-02-27
ADDED
As of January 31, 2026, 686,907,398 shares of the registrant s common stock, $0.01 par value per share, were outstanding.
BUSINESS Description of Business The Bank of New York Mellon Corporation, a Delaware corporation (NYSE symbol: BK), is a global financial services platforms company headquartered in New York, New York, with $59.3 trillion in assets under custody and/or administration and $2.2 trillion in assets under management as of Dec.
Thrive Together Our culture is an important part of what makes BNY successful.
We want the best people to work here, and to contribute to our success, regardless of their background.
Creating an environment where everyone belongs is essential that s how we succeed.
+7 more — sign up free →
REMOVED
As of January 31, 2025, 716,320,652 shares of the registrant s common stock, $0.01 par value per share, were outstanding.
Any such incident or failure could adversely impact our ability to conduct our businesses, damage our reputation and cause losses; the development and use of artificial intelligence present risks and challenges that may adversely impact our business; we are subject to extensive government rulemaking, policies, regulation and supervision that impact our operations.
BUSINESS Description of Business The Bank of New York Mellon Corporation, a Delaware corporation (NYSE symbol: BK), is a global company headquartered in New York, New York, with $52.1 trillion in assets under custody and/or administration and $2.0 trillion in assets under management as of Dec.
Belonging Belonging is integral to who we are as a company, what our people experience as members of our global team, and how we serve all of our stakeholders.
Our strategy is not separate, it includes all of our employees and is embedded in the way we do business, our operating model, talent experience and client value proposition.
+7 more — sign up free →
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