diff --git a/src/libraries/Microsoft.Extensions.Configuration.Binder/gen/Emitter/CoreBindingHelpers.cs b/src/libraries/Microsoft.Extensions.Configuration.Binder/gen/Emitter/CoreBindingHelpers.cs
index b93489126c3984..eb122a2f8e85e0 100644
--- a/src/libraries/Microsoft.Extensions.Configuration.Binder/gen/Emitter/CoreBindingHelpers.cs
+++ b/src/libraries/Microsoft.Extensions.Configuration.Binder/gen/Emitter/CoreBindingHelpers.cs
@@ -966,17 +966,28 @@ private bool IsPropertyReboundInBindCore(PropertySpec property)
                     case ConfigurationSectionSpec:
                         return property.CanSet;
                     case ComplexTypeSpec complexType:
-                        // EmitBindImplForMember skips a complex member only when it is a
-                        // parameterized-constructor object with no bindable members. Every other complex member is bound.
-                        return _typeIndex.HasBindableMembers(complexType) ||
-                            complexType.IsValueType ||
-                            complexType is CollectionSpec ||
-                            complexType is not ObjectSpec { InstantiationStrategy: ObjectInstantiationStrategy.ParameterizedConstructor };
+                        return IsBindableAsMember(complexType, property.CanSet);
                     default:
                         return false;
                 }
             }
 
+            /// <summary>
+            /// Whether binding a member of type <paramref name="complexType"/> emits any binding logic. An object
+            /// created through a parameterized constructor binds its constructor parameters in its Initialize method,
+            /// so it is bindable even without any bindable member of its own (e.g. its only member is a constructor
+            /// parameter backed by a read-only collection type) - but only where the member can be assigned the
+            /// instance that Initialize creates. One that has neither bindable members nor an instance to assign has
+            /// nothing to bind, and is skipped. A value-type member is bindable only when it can be set at all, since
+            /// binding one in place would only mutate the copy its getter returns.
+            /// </summary>
+            private bool IsBindableAsMember(ComplexTypeSpec complexType, bool canSet) =>
+                complexType.IsValueType
+                    ? canSet && (_typeIndex.HasBindableMembers(complexType) || _typeIndex.CanInstantiate(complexType))
+                    : _typeIndex.HasBindableMembers(complexType) ||
+                      complexType is not ObjectSpec { InstantiationStrategy: ObjectInstantiationStrategy.ParameterizedConstructor } ||
+                      (canSet && _typeIndex.CanInstantiate(complexType));
+
             private bool EmitBindImplForMember(
                 MemberSpec member,
                 string memberAccessExpr,
@@ -1082,10 +1093,7 @@ private bool EmitBindImplForMember(
                     case ComplexTypeSpec complexType:
                         {
                             // Early detection of types we cannot bind to and skip it.
-                            if (!_typeIndex.HasBindableMembers(complexType) &&
-                                !complexType.IsValueType &&
-                                complexType is not CollectionSpec &&
-                                ((ObjectSpec)complexType).InstantiationStrategy == ObjectInstantiationStrategy.ParameterizedConstructor)
+                            if (!IsBindableAsMember(complexType, canSet))
                             {
                                 return false;
                             }
@@ -1142,7 +1150,17 @@ private void EmitBindingLogicForComplexMember(
                         return;
                     }
 
-                    Debug.Assert(canSet);
+                    // A value type with nothing to bind beyond its constructor parameters is created outright by its
+                    // Initialize method. There is nothing to bind in place, so assign the created instance straight to
+                    // the member rather than through the temporary the in-place binding path below needs.
+                    if (!_typeIndex.HasBindableMembers(effectiveMemberType) &&
+                        effectiveMemberType is ObjectSpec { InstantiationStrategy: ObjectInstantiationStrategy.ParameterizedConstructor } &&
+                        _typeIndex.CanInstantiate(effectiveMemberType))
+                    {
+                        EmitObjectInit(effectiveMemberType, memberAccessExpr, InitializationKind.SimpleAssignment, configArgExpr);
+                        return;
+                    }
+
                     string effectiveMemberTypeFQN = effectiveMemberType.TypeRef.FullyQualifiedName;
                     initKind = InitializationKind.None;
 
diff --git a/src/libraries/Microsoft.Extensions.Configuration.Binder/tests/Common/ConfigurationBinderTests.Collections.cs b/src/libraries/Microsoft.Extensions.Configuration.Binder/tests/Common/ConfigurationBinderTests.Collections.cs
index b79d83e7597810..a73de27dd4d143 100644
--- a/src/libraries/Microsoft.Extensions.Configuration.Binder/tests/Common/ConfigurationBinderTests.Collections.cs
+++ b/src/libraries/Microsoft.Extensions.Configuration.Binder/tests/Common/ConfigurationBinderTests.Collections.cs
@@ -2479,5 +2479,25 @@ public void BindIEnumerableOfPositionalRecordWithNullProperty()
             Assert.Equal(2, users[1].Id);
             Assert.Null(users[1].Name);
         }
+
+        [Fact]
+        public void CanBindNestedTypeWhoseSoleMemberIsAReadOnlyCollectionConstructorParameter()
+        {
+            IConfiguration config = new ConfigurationBuilder()
+                .AddInMemoryCollection(new Dictionary<string, string>
+                {
+                    { "Class:Values:0", "a" },
+                    { "Struct:Values:0", "b" },
+                    { "NullableStruct:Values:0", "c" },
+                })
+                .Build();
+
+            var options = config.Get<SoleReadOnlyCollectionParamHolder>();
+
+            Assert.NotNull(options);
+            Assert.Equal(new[] { "a" }, options.Class?.Values);
+            Assert.Equal(new[] { "b" }, options.Struct.Values);
+            Assert.Equal(new[] { "c" }, options.NullableStruct?.Values);
+        }
     }
 }
diff --git a/src/libraries/Microsoft.Extensions.Configuration.Binder/tests/Common/ConfigurationBinderTests.TestClasses.Collections.cs b/src/libraries/Microsoft.Extensions.Configuration.Binder/tests/Common/ConfigurationBinderTests.TestClasses.Collections.cs
index 422abed9b2bbc3..c0ff29470bf736 100644
--- a/src/libraries/Microsoft.Extensions.Configuration.Binder/tests/Common/ConfigurationBinderTests.TestClasses.Collections.cs
+++ b/src/libraries/Microsoft.Extensions.Configuration.Binder/tests/Common/ConfigurationBinderTests.TestClasses.Collections.cs
@@ -515,5 +515,16 @@ public class OptionsWithPositionalRecordCollection
             public string? EnableFeatureX { get; set; }
             public List<PositionalRecordWithNullableParam> Users { get; set; } = new();
         }
+
+        public record SoleReadOnlyCollectionParamRecord(IReadOnlyList<string> Values);
+
+        public readonly record struct SoleReadOnlyCollectionParamStruct(IReadOnlyList<string> Values);
+
+        public class SoleReadOnlyCollectionParamHolder
+        {
+            public SoleReadOnlyCollectionParamRecord? Class { get; set; }
+            public SoleReadOnlyCollectionParamStruct Struct { get; set; }
+            public SoleReadOnlyCollectionParamStruct? NullableStruct { get; set; }
+        }
     }
 }
diff --git a/src/libraries/Microsoft.Extensions.Configuration.Binder/tests/SourceGenerationTests/GeneratorTests.cs b/src/libraries/Microsoft.Extensions.Configuration.Binder/tests/SourceGenerationTests/GeneratorTests.cs
index a6874b6a91b966..1dfd100e92ac3a 100644
--- a/src/libraries/Microsoft.Extensions.Configuration.Binder/tests/SourceGenerationTests/GeneratorTests.cs
+++ b/src/libraries/Microsoft.Extensions.Configuration.Binder/tests/SourceGenerationTests/GeneratorTests.cs
@@ -553,9 +553,8 @@ public async Task SoleReadOnlyCollectionConstructorParameterIsBindable(string co
             // constructor parameter (no other bindable property) used to make the generator emit a
             // call to an Initialize method that was never generated, producing CS0103 at compile time.
             //
-            // This only covers the top-level GetCore path. Binding this same shape as a *nested*
-            // member (reached via BindCore/EmitObjectInit) silently produces null instead of the
-            // real value, a separate pre-existing bug tracked in dotnet/runtime#131399.
+            // This only covers the top-level GetCore path; NestedSoleReadOnlyCollectionConstructorParameterIsBindable
+            // covers the same shape reached as a nested member.
             string source = $$"""
                 using Microsoft.Extensions.Configuration;
                 using System.Collections.Generic;
@@ -591,6 +590,160 @@ public record Options({{collectionType}}<string> Values);
             Assert.Equal(new[] { "a", "b" }, boundValues);
         }
 
+        [ConditionalTheory(typeof(PlatformDetection), nameof(PlatformDetection.IsNetCore))]
+        [InlineData("IReadOnlyList")]
+        [InlineData("IReadOnlyCollection")]
+        [InlineData("IReadOnlySet")]
+        [InlineData("IEnumerable")]
+        public async Task NestedSoleReadOnlyCollectionConstructorParameterIsBindable(string collectionType)
+        {
+            // Regression test: the same shape as SoleReadOnlyCollectionConstructorParameterIsBindable, but
+            // reached as a nested member rather than as the top-level bound type. The member was silently
+            // left at null, since the emitter skipped every complex member without bindable members - even
+            // one whose constructor parameters its Initialize method binds. Covers every way such a member is
+            // reached: a constructor parameter (bound in Initialize), a settable property (bound in BindCore),
+            // and a settable property with a matching constructor parameter (bound in Initialize when the
+            // instance is created, and in BindCore when binding an existing one).
+            string source = $$"""
+                using Microsoft.Extensions.Configuration;
+                using System.Collections.Generic;
+
+                public class Program
+                {
+                    public static object? Result;
+
+                    public static void Main()
+                    {
+                        ConfigurationBuilder configurationBuilder = new();
+                        configurationBuilder.AddInMemoryCollection(new Dictionary<string, string?>
+                        {
+                            ["Nested:Values:0"] = "a",
+                            ["Nested:Values:1"] = "b",
+                        });
+                        IConfiguration config = configurationBuilder.Build();
+
+                        Outer outer = config.Get<Outer>();
+                        Holder holder = config.Get<Holder>();
+                        Rebindable rebindable = config.Get<Rebindable>();
+
+                        Rebindable existing = new(null!);
+                        config.Bind(existing);
+
+                        Result = new object?[]
+                        {
+                            outer.Nested?.Values,
+                            holder.Nested?.Values,
+                            rebindable.Nested?.Values,
+                            existing.Nested?.Values,
+                        };
+                    }
+                }
+
+                public record Inner({{collectionType}}<string> Values);
+
+                public record Outer(Inner Nested);
+
+                public class Holder
+                {
+                    public Inner Nested { get; set; }
+                }
+
+                public class Rebindable
+                {
+                    public Rebindable(Inner nested) => Nested = nested;
+
+                    public Inner Nested { get; set; }
+                }
+                """;
+
+            ConfigBindingGenRunResult result = await RunGeneratorAndUpdateCompilation(source, assemblyReferences: GetAssemblyRefsWithAdditional(typeof(ConfigurationBuilder), typeof(List<>)));
+            Assert.NotNull(result.GeneratedSource);
+            Assert.Empty(result.Diagnostics);
+
+            var boundValues = (object?[])LoadAndInvokeMain(result.OutputCompilation, "Result")!;
+            Assert.All(boundValues, boundValue => Assert.Equal(new[] { "a", "b" }, (IEnumerable<string>?)boundValue));
+        }
+
+        [ConditionalTheory(typeof(PlatformDetection), nameof(PlatformDetection.IsNetCore))]
+        [InlineData("IReadOnlyList")]
+        [InlineData("IReadOnlyCollection")]
+        [InlineData("IReadOnlySet")]
+        [InlineData("IEnumerable")]
+        public async Task NestedSoleReadOnlyCollectionConstructorParameterOfStructIsBindable(string collectionType)
+        {
+            // The value-type counterpart of NestedSoleReadOnlyCollectionConstructorParameterIsBindable. A struct
+            // member is bound through a temporary (binding one in place would only mutate the copy its getter
+            // returns), and that path never instantiated a type without bindable members - so a struct whose only
+            // member is a read-only collection constructor parameter was left at its default. Covers a settable
+            // property, a nullable one, a constructor parameter, and a settable property with a matching
+            // constructor parameter.
+            string source = $$"""
+                using Microsoft.Extensions.Configuration;
+                using System.Collections.Generic;
+
+                public class Program
+                {
+                    public static object? Result;
+
+                    public static void Main()
+                    {
+                        ConfigurationBuilder configurationBuilder = new();
+                        configurationBuilder.AddInMemoryCollection(new Dictionary<string, string?>
+                        {
+                            ["Nested:Values:0"] = "a",
+                            ["Nested:Values:1"] = "b",
+                        });
+                        IConfiguration config = configurationBuilder.Build();
+
+                        Holder holder = config.Get<Holder>();
+                        NullableHolder nullableHolder = config.Get<NullableHolder>();
+                        Outer outer = config.Get<Outer>();
+                        Rebindable rebindable = config.Get<Rebindable>();
+
+                        Rebindable existing = new(default);
+                        config.Bind(existing);
+
+                        Result = new object?[]
+                        {
+                            holder.Nested.Values,
+                            nullableHolder.Nested?.Values,
+                            outer.Nested.Values,
+                            rebindable.Nested.Values,
+                            existing.Nested.Values,
+                        };
+                    }
+                }
+
+                public readonly record struct Inner({{collectionType}}<string> Values);
+
+                public class Holder
+                {
+                    public Inner Nested { get; set; }
+                }
+
+                public class NullableHolder
+                {
+                    public Inner? Nested { get; set; }
+                }
+
+                public record Outer(Inner Nested);
+
+                public class Rebindable
+                {
+                    public Rebindable(Inner nested) => Nested = nested;
+
+                    public Inner Nested { get; set; }
+                }
+                """;
+
+            ConfigBindingGenRunResult result = await RunGeneratorAndUpdateCompilation(source, assemblyReferences: GetAssemblyRefsWithAdditional(typeof(ConfigurationBuilder), typeof(List<>)));
+            Assert.NotNull(result.GeneratedSource);
+            Assert.Empty(result.Diagnostics);
+
+            var boundValues = (object?[])LoadAndInvokeMain(result.OutputCompilation, "Result")!;
+            Assert.All(boundValues, boundValue => Assert.Equal(new[] { "a", "b" }, (IEnumerable<string>?)boundValue));
+        }
+
         [ConditionalFact(typeof(PlatformDetection), nameof(PlatformDetection.IsNetCore))]
         public async Task SoleReadOnlyCollectionConstructorParameterOfComplexElementIsBindable()
         {