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AGING Analysis Report
Aug 6, 2026
17 days ago · 100% complete
NOT DEPENDABLE This report predates a filing — its financial basis has been replaced.
Report generated: Aug 6, 2026 · Filing on record since: Aug 19, 2026 · 13 days after
For AI assistants & researchers — machine-readable summary of this page

What this page is: Delvantic's full research page for Bristol-Myers Squibb Company (BMY) — AI-driven forensic equity research: mechanical valuation models (DCF, EPV, anchored-PE, scenario) plus three independent AI lenses (Quality / Value / Sentiment). Everything below is rendered server-side; you are not missing content that requires JavaScript. All scores are predictions and research opinions, not financial advice.

Our current read (analysis of 2026-08-23): Designation Watch · Gem Score +4 (−100…+100 Quality+Value blend) · Quality 3 · Value 4 · Sentiment -48 (timing only, not weighted) · Composite fair value $88.79 vs $63.63 at analysis

Page map (sections in order; each card carries a stable reference-name attribute you can cite):

  • profile-header / price-overview — company profile, live quote, market cap
  • extended-analysisthe core: three AI lens reads with findings, scores, and the analyst memo
  • future-predictions — our forward price-band predictions
  • market-narrative / ai-findings / gpt-critique — narrative context, cross-model findings, and an adversarial critique of our own analysis (near the end of the document)
  • Members-only sections (render as login gates for anonymous readers): price-history, income-trend, key-metrics, financials (statement tables), insider-trading. The analysis above is public; the raw data tables require a free account.

More for machine readers: site briefing at /llms.txt · any ticker resolves at delvantic.com/stock/TICKER · raw inputs are public-company filings and market data (via licensed data feeds); every model, score, lens read, and prediction on this page is Delvantic's own analysis.

Bristol-Myers Squibb Company

BMY NYSE
Healthcare · Drug Manufacturers - General
Princeton, NJ 08543, United States bms.com Updated Aug 5, 2:07am
Price
$65.89
Market Cap
$134.6B
Employees
32,500
Beta
0.23
Avg Volume
12,579,887
Last Dividend
$2.51
CEO
Dr. Christopher S. Boerner Ph.D.

Bristol-Myers Squibb Company is a global biopharmaceutical company headquartered in Princeton, New Jersey, and founded in 1933. It discovers, develops, licenses, manufactures, markets, distributes, and sells innovative medicines addressing serious diseases worldwide. The company offers a diverse portfolio including small molecule drugs, biologics produced from biological processes, and advanced chimeric antigen receptor (CAR-T) cell therapies. Key therapeutic areas encompass oncology with treatments like nivolumab (Opdivo) and ipilimumab (Yervoy), hematology featuring lenalidomide (Revlimid) and luspatercept (Reblozyl), immunology such as abatacept (Orencia), cardiovascular including apixaban (Eliquis), neuroscience, and other immunology and fibrosis-related conditions. Bristol-Myers Squibb Company plays a vital role in the healthcare sector by providing therapies for cancer, immune disorders, cardiovascular diseases, and beyond, serving patients through collaborations and a focus on unmet medical needs in these critical markets.

Runs with full report Generated: Aug 6, 2026 12:35am
Price Overview
Price at report time
$63.63
as of Aug 6, 12:45am (17d ago)
Change · Aug 6
-2.26 (-3.43%)
Day Range
$63.26 – $65.41
52-Week Range
$42.52 – $68.10
50-Day MA
$58.47
200-Day MA
$55.89
Volume
14,100,047.00
Right now · live
Log in to get the live feed
Members see the real-time price and the move since this report (over 17d).
Share Structure
Outstanding 2,041,735,455.00
Float 2,039,548,448.00
Free Float 99.9%
High free float — 99.9% of shares trade freely, ~0.1% held by insiders/institutions
Very liquid — most shares trade freely. Low insider ownership can mean less management alignment, but makes large position sizing straightforward.
Price History (1 Year)
Last updated: Aug 6, 2026 12:52am (17d ago)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Last updated: Jul 30, 2026 7:48am (24d ago)
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
Period Revenue Net Income Net Margin YoY/QoQ
Key Metrics
TD Twelve Data statement HEX SEC filing
Industry comparison last run: Aug 6, 2026 12:32am
P/E Ratio (Price per dollar of earnings)
HEX
Stock Price / EPS (Diluted)
18.65
Stock Price: $65.89
EPS (Diluted): 3.46
P/B Ratio (Price vs net asset value)
HEX
Stock Price / Book Value Per Share
7.11
Stock Price: $65.89
Total Equity: $18.51B
Shares: 2,039,000,000
EV/EBITDA (Total value vs operating profit)
HEX
Enterprise Value / EBITDA
12.46
Market Cap: $134.59B
Total Debt: $45.11B
Cash: $10.21B
EBITDA: $13.34B
Enterprise Value (Takeover price (cap + debt - cash))
HEX
Market Cap + Total Debt - Cash
$166.2B
Market Cap: $134.59B
Total Debt: $45.11B
Cash: $10.21B
Gross Margin (Revenue left after direct costs)
HEX
Gross Profit / Revenue
71.1%
Gross Profit: $34.26B
Revenue: $48.19B
Operating Margin (Revenue left after all operations)
HEX
Operating Income / Revenue
19.4%
Operating Income: $9.33B
Revenue: $48.19B
Net Margin (Revenue left as actual profit)
HEX
Net Income / Revenue
14.6%
Net Income: $7.05B
Revenue: $48.19B
ROE (Profit from shareholder equity)
HEX
Net Income / Total Equity
38.1%
Net Income: $7.05B
Total Equity: $18.51B
ROIC (Profit from all invested capital)
HEX
NOPAT / Invested Capital
13.2%
Operating Income: $9.33B
Tax Rate: 24.4%
Equity: $18.51B
Total Debt: $45.11B
Cash: $10.21B
Current Ratio (Can it pay short-term bills)
HEX
Current Assets / Current Liabilities
1.26
Current Assets: $29.39B
Current Liabilities: $23.42B
Debt/Equity (Leverage — debt vs equity)
HEX
Total Debt / Total Equity
2.44
Short-Term Debt: $2.26B
Long-Term Debt: $42.85B
Total Debt: $45.11B
Total Equity: $18.51B
Rev/Share (Top-line per share)
HEX
Revenue / Shares Outstanding
$23.64
Revenue: $48.19B
Shares: 2,039,000,000
Book Value/Share (Net assets per share)
HEX
(Total Assets - Total Liabilities) / Shares
$9.08
Total Equity: $18.51B
Shares: 2,039,000,000
FCF/Share (Real cash generated per share)
HEX
(Operating Cash Flow + CapEx) / Shares
$6.30
Operating CF: $14.16B
CapEx: -$1.31B
Shares: 2,039,000,000
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
TD
Last Annual Dividend / Stock Price
3.9%
Last Dividend: $2.51
Stock Price: $65.89
Payout Ratio (Earnings paid out as dividends)
HEX
Dividends Paid / Net Income
71.5%
Dividends Paid: -$5.05B
Net Income: $7.05B
Industry Benchmarks
Last run: Aug 6, 2026 12:32am
Compares BMY against LLM-researched typical ranges for its industry. One research call per industry, cached indefinitely — every stock in the same industry reuses the same baseline.
Income Statement (Annual)
Last updated: Jul 30, 2026 7:48am (24d ago)
Metric 2021 2022 2023 2024 2025
Revenue $46.4B $46.2B $45.0B $48.3B $48.2B
Cost of Revenue $9.9B $10.1B $10.7B $14.0B $13.9B
Gross Profit $36.4B $36.0B $34.3B $34.3B $34.3B
Operating Expenses $28.3B $28.3B $25.9B $42.7B $24.9B
Operating Income $8.1B $7.7B $8.4B -$8.4B $9.3B
Net Income $7.0B $6.3B $8.0B -$8.9B $7.1B
EBITDA $18.8B $18.0B $18.2B $1.2B $13.3B
EPS $3.15 $2.97 $3.88 $-4.41 $3.47
EPS (Diluted) $3.12 $2.95 $3.86 $-4.41 $3.46
Balance Sheet (Annual)
Last updated: Aug 5, 2026 9:35am (18d ago)
Metric 2021 2022 2023 2024 2025
Cash & Equivalents $14.0B $9.1B $11.5B $10.3B $10.2B
Total Current Assets $33.3B $27.3B $31.8B $29.8B $29.4B
Total Assets $109.3B $96.8B $95.2B $92.6B $90.0B
Current Liabilities $21.9B $21.9B $22.3B $23.8B $23.4B
Long-Term Debt $39.6B $35.1B $36.7B $47.6B $42.9B
Total Liabilities $73.3B $65.7B $65.7B $76.2B $71.5B
Total Equity $36.0B $31.1B $29.5B $16.4B $18.5B
Retained Earnings $23.8B $25.5B $28.8B $14.9B $16.9B
Cash Flow (Annual)
Last updated: Jul 30, 2026 7:48am (24d ago)
Metric 2021 2022 2023 2024 2025
Operating Cash Flow $16.2B $13.1B $13.9B $15.2B $14.2B
Capital Expenditure -$973.0M -$1.1B -$1.2B -$1.2B -$1.3B
Free Cash Flow $15.2B $11.9B $12.7B $13.9B $12.8B
Acquisitions (net) -$1.6B -$4.3B -$1.2B -$21.8B -$3.9B
Net Debt Issued / (Repaid) -$6.0B -$5.5B $576.0M $10.0B -$5.2B
Dividends Paid -$4.4B -$4.6B -$4.7B -$4.9B -$5.0B
Stock Buybacks -$6.3B -$8.0B -$5.2B $0 $0
Net Change in Cash -$657.0M -$5.0B $2.2B -$1.2B -$129.0M
Growth Trends (YoY %)
Last updated: Jul 30, 2026 7:48am (24d ago)
Metric 2022 2023 2024 2025
Revenue Growth -0.5% -2.5% +7.3% -0.2%
Gross Profit Growth -1.2% -4.7% +0.1% -0.2%
Operating Income Growth -4.8% +9.4% -199.3% +211.3%
Net Income Growth -9.5% +26.8% -211.5% +178.8%
EBITDA Growth -4.2% +1.2% -93.3% +992.5%
Dividend History (Last 20)
Last updated: Aug 5, 2026 9:36am (18d ago)
Date Dividend Declaration Record Payment
2026-07-02 $0.63
2026-04-02 $0.63
2026-01-02 $0.63
2025-10-03 $0.62
2025-07-03 $0.62
2025-04-04 $0.62
2025-01-03 $0.62
2024-10-04 $0.60
2024-07-05 $0.60
2024-04-04 $0.60
2024-01-04 $0.60
2023-10-05 $0.57
2023-07-06 $0.57
2023-04-06 $0.57
2023-01-05 $0.57
2022-10-06 $0.54
2022-06-30 $0.54
2022-03-31 $0.54
2022-01-06 $0.54
2021-09-30 $0.49
0Company Classification 1Industry Landscape 2Company Momentum 3Forward Projection 4aDCF Valuation 4bEarnings Power Value 4cAnchored PE 4dReverse DCF 4eRevenue-Based DCF 4fAnchored P/S 4gScenario Analysis 4hDividend Discount Model 4iBook Value Analysis 4jInsider Activity 4fCash Flow Quality 4gDebt Maturity Risk 4hMacro Environment 4iSector Intelligence 4jRevenue Confidence 4kSensitivity Analysis 4lSector Demand Cycle 5AI Investigation 5bThesis Evaluation 6Valuation Synthesis
computed not applicable 18 computed · 6 not applicable
Risk : Reward — if the last quarter repeats
Live · as of 2026-08-19 08:37
9.3 : 1 recovery upside vs repeat-quarter downside
Recovery pays +58%; another quarter like the worst recent one costs 6%. Ratio 9.3:1.
CaseGrowthMarginFair valuevs price ($63.63)
Bull — recovery +7% 28.2% $100.32 +58%
Base — stabilizes +5% 24.5% $81.47 +28%
Bear — keeps slipping +2% 20.9% $64.87 +2%
Stress — last quarter repeats +3% 18.9% $59.67 -6%
The next quarters keep the trajectory of the worst recent matched quarter (ending 2026-03-31) — growth stays at 2.6% and margins bend by the same profit-vs-revenue ratio (×1.00). Stress is a trajectory, not a prediction — it answers "what if the ship's current heading simply continues," which history says is the case to respect.
Why this is appearing: this company files quarterly, so its recent trajectory could be measured rather than assumed — the engine matched Jun 2026, Mar 2026 against the same quarters one year earlier and found revenue +4.2% · net income +59.2% year-over-year. That measured heading is what the stress case extends forward. Of those, the stress case extends the worst matched quarter — the one ending Mar 31, 2026 (revenue +2.6% YoY) — not the average. Data measured through Jun 30, 2026 — this card recalculates automatically when the next quarterly filing is ingested. Companies without quarterly filings (many foreign listings) never show this card: with no measured trajectory, there is nothing honest to repeat.
Narrative Economics
The story the market is telling about this stock — the intangible X-factor (founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for BMY — it's generated by the pipeline (market-narrative step).
Claude Reading
Independent analyst synthesis · claude-opus-4-7 · generated 2026-08-06 00:51:38
Verdict Modestly undervalued but not the 26% gap synthesis claims — fair value $68-72, not $80; own for the 3.9% yield and cliff-survivor optionality, don't chase for capital appreciation.

Looking at the raw numbers first: BMY is running $48.2B revenue essentially flat for five years ($46.4B in 2021 → $48.2B in 2025, a 0.9% CAGR, not the 3.5% the momentum table claims — that number appears to include an acquisition bump). The quarterly trajectory is telling: Q1 2026 rev $11.49B is down 8% sequentially from Q4 2025's $12.50B and down 6% from Q3. Net income volatility is extreme — margins swing from 0.6% (Q4 2024) to 23.3% (Q1 2026) — which reflects IPRD charges, Karuna deal accounting, and legal settlements, not underlying earnings power. The 2024 full-year operating loss of -$8.38B was the Karuna writedown territory. Normalized operating margin is probably 19-22%, in line with the canonical 19.4%.

The balance sheet is where I part ways with the "fortress" framing in the synthesis. $45.1B debt against $18.5B equity (D/E 2.44) and only $10.2B cash post-Karuna is not a fortress — it's a leveraged mature pharma with a 3.89% dividend yielding $6.3B/year against $12.85B FCF (payout ratio 71.5% on GAAP, roughly 49% on FCF). That's covered, but the margin of safety shrinks rapidly if Eliquis (~$12B, ~25% of revenue) faces IRA price negotiation in 2026 and generic entry in 2028. The thesis evaluation's -3 score (bull 84.8 vs bear 88) is closer to reality than the synthesis' "26.5% undervalued" call.

Where I disagree with the synthesis: a $77-80 fair value assumes the FCF is durable through the Eliquis cliff. Do the math — if Eliquis contributes ~$8B in high-margin US revenue and loses 60% within 24 months of LOE, that's ~$5B of gross profit gone, or roughly $3.5-4B in FCF. Against $12.85B current FCF, you're looking at $9B run-rate by 2028 unless Camzyos, Cobenfy (the Karuna asset), Opdualag, and Breyanzi collectively add $4-5B in incremental revenue at reasonable margins. Cobenfy's launch has been disappointing so far — that's a real problem given BMY paid $14B for Karuna. The pre-flight thesis that "the market prices in less growth than projected" needs to specify whose projections; consensus 2027 EPS estimates already assume the cliff. At $65.89 and ~$7.50 normalized EPS post-cliff, you're paying 8.8x trough earnings for a 4% yield — that's not screamingly cheap for a business with negative organic growth, but it's not expensive either.

The contrarian argument the models underweight: BMY has done this before. Post-Plavix LOE (2012) and post-Revlimid LOE (2022), the stock troughed and recovered as new franchises scaled. Opdivo's subcutaneous formulation extends its patent life meaningfully. The 12.5x EV/EBITDA and 8.8x forward trough P/E already discount a bad outcome. Insider activity is genuinely neutral — small awards and option exercises, no meaningful open-market buying or selling, which is what you'd expect from a mature pharma and provides no signal. The narrative engine is right that this is "functionally invisible" — no story premium, no story discount. What's thin in the data: no pipeline NPV, no breakdown of Eliquis vs. Opdivo vs. growth portfolio revenue, no guidance on 2027-2028 base case. Without that, both bull and bear cases are hand-waving.

My verdict: the synthesis' $77-80 fair value is too optimistic — it's applying a peer multiple to a business that structurally deserves a discount for the cliff. But at $65.89, you're not overpaying either. Fair value is closer to $68-72 based on 9-10x normalized post-cliff FCF plus dividend. This is a hold with a 4% yield, not the 26% mispricing the synthesis claims. Partial agreement on direction (mildly undervalued vs fair), strong disagreement on magnitude. The stock re-rates only when Cobenfy inflects, Camzyos hits $2B run-rate, or Eliquis LOE terms are clarified — none of which are imminent catalysts. Dividend-focused investors get paid to wait; capital-appreciation investors have better setups elsewhere in pharma (LLY at a growth premium is a different debate; MRK at similar cliff exposure is arguably cheaper on pipeline).

GPT Reading
Independent reading · gpt-5.4 · generated 2026-08-06 00:51:56
Verdict Fairly valued around $66 — the cash flow and dividend support the stock, but flat revenue, volatile earnings, and a $45B debt load keep fair value in the low-to-mid $60s rather than the $80 bull case.

Bristol-Myers looks cheaper than its reputation but not cheap enough for the risks staring straight at the income statement. The core numerical story is stagnation masked by good cash conversion. Revenue has gone basically nowhere for years: $46.4B in 2021, $46.2B in 2022, $45.0B in 2023, $48.3B in 2024, and $48.2B in 2025. That is not a growth platform; it is a portfolio manager trying to hold the line against erosion. The quarterly run-rate tells the same story: the last four quarters sum to about $48.5B, only modestly above the prior four-quarter period. Yet net income is far more erratic than revenue, swinging from a 2024 annual loss of $8.95B to a 2025 profit of $7.05B, with quarterly net margins ranging from 0.6% to 23.3%. When a pharma name has flat sales and highly unstable reported earnings, I care much more about cash flow and balance sheet durability than optical P/E. On that basis BMY is solid, not extraordinary: $14.2B of operating cash flow and $12.9B of free cash flow on a $134.6B market cap is a respectable roughly 9.5% FCF yield, but it sits alongside $45.1B of debt and only $10.2B of cash.

What stands out most is that the market’s skepticism is rationally tied to capital structure and product-life-cycle risk, not to some emotional overreaction. Equity is only $18.5B, so debt-to-equity above 2.4x is not a footnote for a business that is about to navigate major exclusivity cliffs. The dividend yield near 3.9% is attractive, but the annual payout ratio of 71.5% on earnings is less comforting when earnings themselves have been volatile and when the company’s gross margin of 71% still translates into only a 19.4% operating margin and 14.6% net margin in 2025. In other words, this is not a wildly over-earning pharma asset priced for perfection; it is a mature company producing decent but not expanding economics while carrying meaningful leverage. At 18.7x earnings, 12.5x EV/EBITDA, and 3.45x EV/revenue, the stock is not demanding if you believe 2025 earnings power is durable. My issue is that the sales base has not demonstrated durability beyond “flat,” and flat in pharma often precedes down when concentration points hit.

That is why I don’t buy the simple “DCF says 20%+ upside” framing. A model can easily overvalue BMY if it capitalizes recent free cash flow as though the current portfolio is a steady annuity. But recent free cash flow was generated during a period when quarterly revenue still held around $11.2B-$12.5B and margins recovered from the 2024 write-down year. If Eliquis and other mature assets roll over harder than replacement products ramp, the right multiple is lower, not higher, because this is a shrinking-cash-flow equity with leverage. I can justify today’s price if I assume management uses the next several years to defend roughly $12B of annual FCF and keep revenue near the high-$40B range. I have a harder time getting excited above the mid-$60s because the stock already reflects that “managed decline, still pays dividend” scenario fairly well.

The best argument against my caution is the cash machine is plainly real. Even with the ugly 2024 accounting loss, the business returned to $7.05B of net income in 2025, and the most recent quarter posted $2.68B of profit on $11.49B of revenue, a strong 23.3% margin. Gross profit has been remarkably resilient at about $34B for three straight years despite revenue wobbling. A 9%-10% FCF yield before any re-rating is not trivial, and if the feared patent cliffs end up as gradual erosion rather than a cliff-edge, the current 18.7x P/E could prove too low for a high-quality pharma franchise with a near-4% dividend. The bull case would also point out that the company does not need growth to work as an investment; it needs stability. If free cash flow stays around $12B-$13B, debt can be serviced, the dividend can be paid, and the stock can drift higher simply through sentiment normalization. I weigh that less heavily because this company has not shown enough top-line momentum to earn the benefit of the doubt, and because leverage reduces strategic flexibility precisely when pharma companies typically need to spend to replace LOE revenue.

What would change my mind is simple and measurable. I would turn more constructive if BMY showed two things at once: sustained top-line growth above the current flatline and balance-sheet improvement. Specifically, I’d want to see annual revenue move clearly above $50B with quarterly revenue holding over $12B even as mature products fade, while operating cash flow remains north of $14B and net debt trends below roughly $30B. That would tell me the replacement portfolio is actually carrying the enterprise rather than just slowing erosion. Conversely, if quarterly revenue starts slipping under $11B and free cash flow drops toward or below $10B annualized while the dividend remains untouched, I would view the stock as materially overvalued even here because the equity cushion is too thin for a leveraged decline story.

Grok Reading
Independent reading · grok-4.5 · generated 2026-08-06 00:52:27
Verdict Modestly undervalued cash compounder at $65.89; fair value near $78–80 on sustained $12B+ FCF, LOE risk already discounted

BMY’s numbers describe a cash-compounding machine whose top line has stopped growing. Annual revenue sat at $48.19B in 2025 versus $48.30B in 2024 and $45–46B the three years prior; the 3.5% revenue CAGR is almost entirely a 2023 bounce that has already faded. Yet free cash flow printed $12.85B last year on only $1.31B of capex, a 27% FCF margin that funds the 3.9% dividend and still leaves room for debt pay-down or bolt-ons. After the $8.95B net loss in 2024 (driven by operating charges that flipped the op-margin to –17%), 2025 restored a clean $9.33B operating profit and $7.05B net income; the most recent quarter (Q1 2026) delivered $11.49B revenue and a 23.3% net margin. At $65.89 the stock trades at 18.7× trailing earnings, 2.7× sales and 12.5× EV/EBITDA—multiples that embed flat-to-negative growth and a roughly 9.5% FCF yield. That is cheap for a diversified pharma with Opdivo, the CAR-T franchise and a still-intact Eliquis contribution, especially once the one-time 2024 hit is stripped out.

The balance-sheet leverage is real—$45B of debt against $18.5B of equity and only $10B of cash—but the $14B of annual operating cash flow keeps interest coverage comfortable and the current ratio above 1.25. ROE looks artificially high at 38% because equity has been compressed by impairments and buybacks; ROIC of 13% is the more honest return metric and is adequate, not spectacular. Insider activity is noise (routine awards and option exercises). Nothing in the recent quarterly cadence suggests an imminent collapse; revenue is oscillating in a $11–12.5B band and margins are re-expanding.

The strongest counter-argument is the binary Eliquis LOE risk that the market is correctly pricing. Eliquis remains one of the largest single products in the portfolio; generic entry between 2026 and 2028 could erase several billion of high-margin revenue in short order, exactly as Revlimid already did. If that cliff arrives before the newer launches (Camzyos, Opdualag, Breyanzi expansions) scale, both the $12.85B FCF and the 71% payout ratio become unsustainable, and the 3.9% yield turns into a value trap. Add the fact that revenue has already stagnated for four years and that sector peers still command mid-20s P/Es, and the 20–25% discount to those peers can be read as rational rather than an opportunity. A smart skeptic would also note that CAR-T commercialization has repeatedly lagged internal expectations and that management’s M&A track record is mixed.

I would flip to a more aggressive buy if two consecutive quarters show revenue re-accelerating above 5% year-over-year while Eliquis erosion stays milder than Street models, or if 2026 full-year FCF holds above $12B despite LOE. Conversely, a cut in the dividend or a guidance cut that implies FCF below $10B would force a re-rating lower.

Big-3 Panel — where each AI stands
Each AI above independently stated a direction (undervalued, fairly valued, or overvalued) and how strongly it believes it (conviction, 0–5). We combine those into a Bull-Bear Index on a 0–10 scale: 5 is neutral, 10 is maximum bullish (undervalued at full conviction), 0 is maximum bearish. We compute the score ourselves with the same arithmetic for every seat — the models never grade their own bullishness — so the three are directly comparable. Δ shows how far each seat sits from the panel average of 6.7; a large Δ marks the dissenting voice, usually the one worth reading.
Claude claude-opus-4-7 7.0
undervalued · conviction 2/5 · Δ +0.3 vs panel · self: 5.0
GPT gpt-5.4 5.0
fairly valued · conviction 4/5 · Δ -1.7 vs panel · self: 4.0
Grok grok-4.5 8.0
undervalued · conviction 3/5 · Δ +1.3 vs panel · self: 6.0
Advanced Analysis Forensic deep-dive · separate lenses
Separate reads — Company Quality (is it a great business?), Valuation (is it mispriced?), and General Sentiment (how macro + narrative are pushing it), kept deliberately apart · 2026-08-06 01:11:56
Delvantic - Cairn AI
Quality income - starter position, scale on weakness 6/10
Solid cash-generative pharma trading at a modest 10-15% discount to fair value with a sentiment headwind that argues patience over conviction buying.
The cruxWhether the patent-cliff erosion (Revlimid/Opdivo/Eliquis) is offset by pipeline and buybacks fast enough to hold FCF above $12B - if yes, $55-63 is a gift; if no, the anchored P/E of $55 is the honest ceiling.
Forensic checks Derived mechanically from BMY's filed financials — not from the AI lenses
Liquidity & RunwaySelf-Funding
DilutionShare Count Shrinking
Earnings QualityHigh Earnings Quality
The four lensesswitch a tab for its full read — score + evidence
Company Quality
+3
Solid
edge √Σ 100 · risk √Σ 97 · conf 7/10

BMY is a classic mature earner: revenue essentially flat around $46-48B for five years, FCF a reliable $12-15B annually, and OCF/NI of 1.28x with accruals at -11.1% of assets confirming reported earnings are backed by cash. Beneish M at -2.69 and no earnings-quality flags reinforce that the accounting is clean. Share count has shrunk from 2.25B to 2.04B (a -2.4% CAGR) with buyback/SBC at 743%, so per-share value is genuinely being concentrated rather than optically manufactured.

Strengths 3
m70
Real, cash-backed earnings
OCF/NI 1.28x, accruals -11.1% of assets, Beneish -2.69, FCF $12.85B on $48.19B revenue (~27% FCF margin). Earnings are unambiguously real.
m55
Genuine per-share concentration
Diluted shares fell from 2.25B (2021) to 2.04B (2025), -2.4% CAGR, with buyback dwarfing SBC (743%). SBC only 1.2% of revenue - disciplined.
m45
Durable cash generation across a rough year
Even in 2024 when GAAP net income was -$8.95B, FCF was still $13.94B. Cash economics decoupled from accounting noise indicates real underlying franchise strength.
Concerns 5
m60
Gross margin erosion
GM% slid from 78.6% (2021) to 71.1% (2024-2025), ~750bp compression. Consistent with LOE pressure on high-margin biologics and mix shift - a durability warning even if revenue holds.
m55
Net debt of ~$35B constrains flexibility
Liquid cash $10.2B vs net debt -$34.9B; Altman Z 2.35 in grey zone. Not distress, but the balance sheet is a constraint not a cushion during the patent-cliff transition.
m40
2024 GAAP blowup
Operating margin swung to -17.3% and net income to -$8.95B in 2024, then snapped back to 19.4%/+$7.05B in 2025. Almost certainly acquisition-related IPRD writedowns (Karuna/RayzeBio), but signals aggressive M&A to plug the pipeline.
m30
Flat top line masks franchise churn
Revenue $46.4B -> $48.2B over five years is stagnation in nominal terms; underlying new-product growth is offsetting - not exceeding - legacy erosion.
m15
Insider tape leans mildly negative
Zero open-market buys, one $1.6M S-sale by Elkins. Not a red flag alone but no conviction signal from management.
This is a solid, cash-generative mature pharma navigating a well-known patent transition - not fragile, but not compounding either. The earnings quality is legitimately strong and the buyback discipline is real, so I don't worry about the accounting. What I do worry about is the 750bp gross-margin erosion combined with $35B of net debt while management leans on expensive M&A (the 2024 charges) to refill the pipeline. It's a Solid business in the middle of the frame - reliable, but the arrows on durability point sideways-to-down, not up.
Verify before trusting this (5)
  • Composition of the 2024 net loss - confirm IPRD/impairment charges from Karuna and RayzeBio acquisitions
  • Revlimid, Eliquis, and Opdivo LOE timelines and revenue at risk over next 3 years
  • New-product portfolio (Reblozyl, Camzyos, Breyanzi, Cobenfy) growth trajectory and share of revenue
  • Debt maturity schedule and refinancing needs given ~$35B net debt
  • Whether the buyback pace continues given deleveraging priorities post-Karuna deal
Valuation / Mispricing
+4
Modestly Cheap
edge √Σ 77 · risk √Σ 73 · conf 6/10
Price $63.63 vs deserved ~$72-75, ~13-17% margin - modestly cheap but not a table-pounder. attractive below $55.00

The e2e composite pins fair value at $77.21 and the signal-adjusted at $80.49, implying ~21-26% upside from $63.63. The methods disagree wildly: DCF at $116.54 is almost certainly a runaway (it capitalizes cash flows without adequately penalizing the Revlimid/Opdivo/Eliquis cliff), while EPV floor of $20.34 assumes the franchise essentially collapses. The anchored P/E of $55.41 is the most sober cross-check and sits ~13% BELOW today's price, which tells me the market is already pricing in cliff erosion but not catastrophe. Splitting the difference, a deserved value in the low-to-mid $70s feels defensible for a solid-quality, cash-generative mature pharma with high earnings quality but $35B net debt and eroding gross margins.

Cheap signals 3
m55
Composite FV meaningfully above price
Signal-adjusted FV of $80.49 and composite $77.21 vs $63.63 imply 21-26% upside; even discounting for method dispersion, the midpoint sits above today's tape.
m45
High earnings quality means no haircut
Earnings-quality score of 2 (high) means the reported cash flows underpinning the valuation are trustworthy - the deserved price does not need to be marked down for accounting risk.
m30
Bear case appears priced in
The anchored-PE being under spot suggests the market is already discounting cliff erosion; incremental bad news may be less impactful than a genuine pipeline surprise to the upside.
Rich / priced-in 3
m50
Anchored P/E sits BELOW current price
The anchored-PE method yields $55.41, ~13% under $63.63, suggesting on a normalized multiple basis the stock is already fully valued and the composite is being lifted mainly by an aggressive DCF.
m40
DCF appears to be a runaway output
DCF of $116.54 is 83% above price and nearly 6x the EPV floor - a spread that wide signals the DCF is likely not adequately penalizing the patent cliff on Revlimid/Opdivo/Eliquis. I discount it heavily.
m35
Balance-sheet drag on deserved value
$35B net debt plus 750bp gross-margin erosion caps the multiple this business deserves; a mature pharma losing gross margin while levered up does not warrant a premium to normalized earnings power.
This is modestly cheap, not deeply cheap. The composite screams 25% upside but that's mostly a DCF that I don't trust for a company staring down three simultaneous LOEs; the anchored-PE at $55 is the more honest read and it says the market has this about right. I'd call it a ~10-15% discount to a fair deserved value in the low-70s - real, worth owning if you already like the dividend and the pipeline optionality, but I'd want it closer to $55 before I'd pound the table. Fairly-to-modestly cheap on quality-adjusted math.
Verify before trusting this (5)
  • Eliquis LOE exposure and IRA negotiated-price impact starting 2026
  • Revlimid biosimilar erosion trajectory in 2024-25 guidance
  • New-product portfolio (Reblozyl, Camzyos, Sotyktu) ramp vs consensus
  • Dividend coverage and net-debt paydown pace post-Karuna/Mirati deals
  • Any goodwill impairment signals on recent M&A
General Sentiment
-48
Headwind
tail √Σ 32 · head √Σ 85 · conf 6/10

The macro tape is mildly risk-on, but with beta of 0.23 that barely touches BMY either way - the market's mood is not the driver here. What matters is the narrative, and it is a defensive, minimal-intensity 'legacy pharma facing cliffs' story with no aspirational hook. The Braveheart IPO and GLP-1 chatter reinforce that capital and enthusiasm are flowing to newer biotech, not to mature blockbuster owners like BMY. Momentum is negative, D/E has ballooned, and the story lacks any bullish catalyst to lean on. The freshest, most concrete sentiment event is negative: the Reuters denial of AstraZeneca merger talks removed a takeout premium the tape had briefly flirted with - AZN popped 6% on the denial, meaning BMY loses the optionality bid. Peers PFE and ABBV headlines frame the whole cohort as 'cheap for a reason' cash-yield trades, which anchors BMY into the same value-trap bucket. Healthcare sector was green on the day, a small offset, but sector strength on a single afternoon does not overcome a durable defensive narrative and a fading M&A rumor.

Tailwinds 2
m25
Low beta insulates from tape
Beta 0.23 means the risk-on macro backdrop barely helps, but it also means BMY won't get whipped around if the tape rolls over - a mild stabilizer, not a driver.
m20
Healthcare sector bid on the day
NYSE Healthcare Index up 1.1% Wednesday afternoon provides short-term cover, but one session of sector strength does not reverse the narrative.
Headwinds 4
m55
Merger premium evaporates
Reuters killed the AZN-BMY deal chatter and a source said 'there never was a deal to be done.' Any takeout optionality that was propping BMY sentiment is now gone, and the peer (AZN) rallied on the denial - a clear tell that the market viewed BMY as the acquirer/burden.
m45
Defensive, uninspiring narrative
Steady-compounder archetype with minimal intensity and low cult means no marginal buyer is chasing the story. Patent cliffs on Revlimid, Opdivo peak, and Eliquis competition dominate the framing - the tape has no reason to bid this up.
m35
Cohort tarred as value trap
PFE and ABBV headlines the same day frame big pharma as high-cash-yield names with 'permanent decline' risk. BMY gets lumped into that bucket, which caps multiple expansion regardless of fundamentals.
m30
Capital flowing to biotech, not legacy pharma
Braveheart's $382M IPO and a $1B+ biotech IPO week signal risk appetite is going to novel-mechanism stories, not mature dividend payers. Relative sentiment flow works against BMY.
Net headwind, but not violent. This is not a stock being crushed by a collapsing story - it is a stock quietly under-owned because there is no story worth owning. The merger denial removed the only recent sentiment spark, the narrative is defensive-boring, and peer framing pushes it into the value-trap bucket. The low beta means the risk-on tape offers little help. Nothing here suggests a sentiment-driven rally; it suggests continued drift with occasional dividend-yield bids. Mild but persistent negative pressure.
Verify before trusting this (5)
  • Any renewed M&A chatter or activist involvement that could re-inject a premium
  • Pipeline readouts or FDA decisions that could shift the narrative from defensive to growth
  • Analyst target revisions in the next 2-4 weeks post merger-denial
  • Whether Eliquis competitive threats materialize into concrete guide-downs
  • Sector rotation into defensives if the tape turns risk-off - BMY's low beta would then become a positive selection factor
The market-wide tape + this name's exposure to it (beta / sector / narrative durability). Context on the non-fundamental pressure — not a call on the business or the price. processId: detail-general-sentiment
Growth Outlook
not run

This lens hasn't been run for this ticker yet.

The forward growth verdict — is the business itself likely to grow (next 2 quarters / year 1 / years 2–3), judged against its category and against printed expectations. The full horizon ladder + creme renders on the Growth Outlook card above. Not a call on the price (Valuation owns that) or the tape (Sentiment owns that).
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Lenses kept deliberately separate — Company Quality (price-agnostic), Valuation (price-conditional), General Sentiment (non-fundamental macro/narrative pressure), and Growth Outlook (the forward growth verdict). The scores are not blended. Filing-level items (convertibles, lock-ups, customer concentration) are v2 — see each lens's "verify."
Price Prediction
Higher +17.6% v0.6.0 View full prediction →

When we made this prediction on Aug 6, 2026, BMY was $63.63. We expect it to be $74.80 by Feb 2027, and we consider it great value under $55.00. This is an early model (v0.6.0) — the direction is more reliable than the exact price. Made Aug 6, 2026.

Price when predicted$63.63
Our estimate for Feb 2027$74.80+17.6%
Great value below$55.00
Price history shown (6 Months)

Blue is our prediction, starting the day we made it. Grey is a slower route to the same place — the same destination, taking longer. Black is the actual price, so you can see how we are doing.

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My Notes personal — only you see this
v1.1.562 · 9b2927c4 · 2026-08-22 16:52:06