Bristol Myers Squibb (BMY) RSU sell-vs-hold
Calculator · free · no signup · BMYSell at vest or hold? Compare after-tax payout from selling Bristol Myers Squibb RSUs at vest vs. holding through the LTCG cliff at 12 months.
Beta · invite-only · AlphaLatitude Inc. · Free Tools
Your vest
Tax inputs
Hold strategy
Best after-tax payout — at year 1 yr
$47,709
Sell + invest wins by $4,981 over Hold 1 yr.
Estimates only. Not financial advice.
Heads-up: under-withholding. Your employer withholds federal tax at the IRS supplemental rate (22.0% on this vest, ≈ $17,600). Your marginal federal rate on this vest is 32.7%, owing $26,171. Expect to settle the $8,571 gap at tax time.
The hidden purchase
Tax was paid at vest either way. Holding is mathematically equivalent to taking $44,509 in after-tax cash and buying $44,509 of BMY today.
Most diversification frameworks would advise against a purchase that size in a single name; the right answer depends on your conviction in BMY. Holding past one year converts the gain to LTCG.
Sell + invest
Best payout| Vest value (shares × price) | $80,000 |
| Federal | |
| State | |
| Medicare | −$1,160 |
| Additional Medicare | −$720 |
| Market gain over 1 yr at 10.0% | $4,451 |
| Cap-gain tax on diversified gain — LTCG (federal + state + NIIT) | −$1,251 |
| Net at year 1 yr | $47,709 |
Sell every share at vest; invest the after-tax cash at the market return for 1 yr, then liquidate. Diversified — no single-stock concentration risk.
Hold 1 yr
| Vest value (shares × price) | $80,000 |
| Vest tax (federal + state + FICA) | |
| Net at year 1 yr | $42,728 |
Sold 444 shares to cover vest tax (net-settled); kept 556 shares 1 yr to qualify for long-term capital gains.
Social Security + Medicare are payroll taxes (collectively called FICA) — they apply because you're still employed at vest.
Both columns are stated in year-1 yr dollars. The sell side compounds at the market return; the hold side compounds at your single-stock expected return after a 20% volatility drag.
Estimates only. Assumes net-settled (sell-to-cover) vesting; double-trigger and pre-IPO RSUs are out of scope. Excludes multi-state moves, AMT interactions on other equity, and 83(b) elections. Not financial advice.
You evaluated one RSU vest. The beta plans every vest of every grant across years, with concentration and AMT in the loop.
Request beta access →Related calculators: RSU Lot Order Calculator · Stock Concentration Calculator
About Bristol Myers Squibb
Bristol Myers Squibb (BMY) is a public Pharma/Biotech company, incorporated in Delaware and headquartered in Princeton, NJ.
Last close: $66.05 per share (as of 2026-08-19).
Equity grants at Bristol Myers Squibb typically include restricted stock units (RSUs).
Bristol-Myers Squibb Company, doing business as Bristol Myers Squibb, is an American multinational pharmaceutical company headquartered in Princeton, New Jersey. The company's primary products are apixaban (Eliquis) for people with atrial fibrillation ; nivolumab (Opdivo), used to treat certain types of cancer ; lenalidomide (Revlimid), used to treat multiple myeloma, smoldering myeloma, and myelodysplastic syndromes ; abatacept (Orencia), used to treat autoimmune diseases such as rheumatoid arthritis ; pomalidomide (Pomalyst/Imnovid), an anti-cancer medication used for the treatment of multiple myeloma and AIDS-related Kaposi sarcoma ; ipilimumab (Yervoy), to treat cancer ; and luspatercept (Reblozyl) for the treatment of anemia in beta thalassemia and myelodysplastic syndromes. In 2025, 69% of the company's revenues came from the United States.
Source: Wikipedia (CC BY-SA 4.0)
The modern company came from the 1989 merger of Bristol-Myers and Squibb, and its scale today rests on the 2019 acquisition of Celgene, which added Revlimid and the cell-therapy programs. The defining problem is patent expiry: Revlimid and Eliquis both face erosion, and the pipeline has to replace revenue on a schedule set by the calendar rather than by science. Business development is therefore structural rather than opportunistic. Immunology and oncology remain the therapeutic centers of gravity. Headquarters are in Princeton, New Jersey.
Sources: sec.gov · en.wikipedia.org
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Bristol Myers Squibb.
Bristol Myers Squibb (BMY) RSUs vest as ordinary income at the price on vest day. The decision is whether to sell at vest and reinvest, or hold the shares through the 12-month LTCG cliff. This calculator runs both paths through the same after-tax math so you can compare like-for-like.
Example: 500 Bristol Myers Squibb (BMY) RSUs vesting at $66.05 per share is $33,025 of ordinary income on vest day. After roughly 32% combined federal + state + FICA (~$10,568), the post-tax share value is ~$22,457. Holding 12 months for long-term capital-gains treatment then only matters for the price change between vest and sale; the ordinary income at vest is already locked in. The calculator runs both paths through the same after-tax math.
All Bristol Myers Squibb tools → · Use the generic RSU Sell-vs-Hold Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
Bristol Myers Squibb equity questions
- Should I sell or hold my Bristol Myers Squibb RSUs at vest?
- Bristol Myers Squibb restricted stock units (RSUs) are taxed as ordinary income on their value at vest whether or not you sell. The only open decision is what to do with the shares afterward: sell at vest and reinvest, or hold past twelve months for long-term capital-gains treatment on any further gain. The calculator above runs both paths through the same after-tax math so you can compare them directly.
- Does Bristol Myers Squibb grant ISOs, NSOs, or RSUs?
- Equity compensation at Bristol Myers Squibb typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
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