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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
The Bank of New York Mellon
The Bank of New York Mellon (BNY) investor relations material
The Bank of New York Mellon Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary15 Oct, 2026
Executive summary
Q3 revenue was $5.698bn, up 12% YoY; net income applicable to common shareholders was $1.608bn, up 20%, and diluted EPS was $2.34, up 24%.
Pre-tax income rose 18% YoY to $2.186bn; pre-tax margin was 38.5% and ROTCE was 29.0%.
Growth was broad-based across products, client segments and regions, marking the 15th consecutive quarter of YoY sales growth.
Financial highlights
Total fee revenue rose 12% YoY to $4.078bn; Investment Services fees increased 15%, while Investment Management and Performance fees grew 3%.
NII increased 15% YoY to $1.423bn; investment and other revenue was $175M, and provision for credit losses was $1M.
Noninterest expense rose 8% YoY to $3.489bn; more than three-quarters of the increase was revenue-related, with investments partly offset by efficiency savings.
Adjusted EPS was $2.37, up 24% YoY; adjusted pre-tax margin was 38.9%, versus 37.1% a year earlier.
Outlook and guidance
FY26 positive operating leverage outlook rose to nearly 500 bps, from 400 bps three months earlier and slightly over 100 bps at the start of the year.
FY26 total revenue growth, excluding notable items, is expected near the midpoint of a 12%-13% range, market dependent; NII is expected to rise 15% YoY.
FY26 expense growth, excluding notable items, is expected near the midpoint of a 7%-8% range, up 100 bps from prior guidance.
Q4 NII is expected to benefit from higher reinvestment yields and a seasonal deposit pickup; roughly $5B of securities roll off each quarter.
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Frequently asked questions
Leading Financial Services
The Bank of New York Mellon Corporation, most commonly referred to BNY Mellon, is an American multinational banking and financial services holding company. The company is one of the world's largest financial services providers, and BNY Mellon delivers a range of services that enable institutions and individuals to manage their financial assets. Its offerings include investment servicing, investment management, and investment research and trading. The company is, unsurprisingly, headquartered in NYC, and its shares are listed on the NYSE.
Two Historic Institutions
BNY Mellon is the result of the 2007 merger between The Bank of New York and Mellon Financial Corporation. The Bank of New York, established in 1784 by Alexander Hamilton (Yes, that Alexander Hamilton), is one of America's oldest banks and was one of the first companies traded on the New York Stock Exchange. Mellon Financial was founded in 1869 by the Mellon family of Pittsburgh. The merger combined The Bank of New York's extensive securities servicing and treasury management with Mellon's asset and wealth management services. Today, it is one of the leading financial services companies in the world and competes against names such as JPMorgan Chase, State Street, Blackrock, and many others.
Three Areas of Operation
BNY Mellon has three key areas of operation: Securities Services, Market & Wealth Services, and Investment & Wealth Management.
Securities Services encompass a range of offerings for institutional investors and market participants. This includes custody services, as well as offering securities lending, enabling clients to loan out securities in exchange for potential revenue. In addition, their fund services cover fund accounting, administration, and transfer agency activities.
BNY Mellon's Markets and Wealth Services cater to a diverse clientele, including high-net-worth individuals, family offices, and institutions. In Market Services, the company offers foreign exchange, securities finance, and liquidity services, enabling market transactions and effective risk management.
In Wealth Services, BNY Mellon delivers comprehensive wealth management, including investment management, wealth planning, and private banking. They offer personalized strategies to help clients grow, manage, and preserve their wealth, tailored to individual goals and circumstances.
Investment and Wealth management
In Investment Management, they provide a broad spectrum of investment strategies and solutions. This includes managing assets across various classes like equities, fixed income, and alternatives. In Wealth Management, the focus is on delivering tailored financial strategies for high-net-worth individuals, families, and family offices. Services here include comprehensive financial planning, investment management, and private banking solutions.