The Bank of Nova Scotia (BNS) 10-Year Financial Performance & Capital Metrics

BNS • • Banking & Credit

Financial ServicesDiversified BanksNorth American universal banks

AboutThe Bank of Nova Scotia provides various banking products and services in Canada, the United States, Mexico, Peru, Chile, Colombia, the Caribbean and Central America, and internationally. It operates in four segments: Canadian Banking, International Banking, Global Wealth Management, and Global Banking and Markets. The company offers financial advice and solutions, and day-to-day banking products, including debit and credit cards, chequing and saving accounts, investments, mortgages, loans, and insurance to individuals; and business banking solutions comprising lending, deposit, cash management, and trade finance solutions to small, medium, and large businesses, including automotive financing solutions to dealers and their customers. It also provides wealth management advice and solutions, including online brokerage, mobile investment, full-service brokerage, trust, private banking, and private investment counsel services; and retail mutual funds, exchange traded funds, liquid alternative funds, and institutional funds. In addition, the company offers international banking services for retail, corporate, and commercial customers; and lending and transaction, investment banking advisory, and capital markets access services to corporate customers. Further, it provides online, mobile, and telephone banking services. The company operates a network of 954 branches and approximately 3,766 automated banking machines in Canada; and approximately 1,300 branches and a network of contact and support center internationally. The Bank of Nova Scotia was founded in 1832 and is headquartered in Halifax, Canada.Show more

Net Interest Income $21.52B +11.8%
Total Revenue $73.18B +148.2%
Net Income $7.79B +0.4%
Return on Equity 9.02% -5.4%
Net Interest Margin 1.47% +8.1%
Efficiency Ratio 29.89% -55.1%
ROA 0.54% -1.3%
Equity / Assets 6.07% +1.9%
Book Value per Share 71.15 +4.3%
Tangible BV/Share 58.17 +6.6%
Debt/Equity 5.69 +59.1%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 29.9% efficiency ratio
✓Healthy dividend yield of 4.2%
✓Trading near 52-week high
✓Trading at only 1.5x book value

✗Weaknesses

✗High debt to equity ratio of 5.7x
✗Weak Piotroski F-Score: 3/9
✗Weak NIM of 1.5%

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y11.96%

5Y18.52%

3Y32.94%

TTM-

Profit (Net Income) CAGR

10Y1.05%

5Y2.82%

3Y-7.73%

TTM0.4%

EPS CAGR

10Y0.04%

5Y1.43%

3Y-10.81%

TTM-4.25%

ROCE

10Y Avg1.75%

5Y Avg1.65%

3Y Avg1.55%

Latest1.94%

Peer Comparison

North American universal banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
CCitigroup Inc.	192.61B	110.22	18.52	9.86%	7.43%	6.87%		2.82
BNSThe Bank of Nova Scotia	93.65B	75.75	18.22	148.2%	10.64%	8.79%	3.95%	5.69
BMOBank of Montreal	102.03B	143.93	17.22	-0.52%	11.14%	10.57%	6.1%	4.71
RYRoyal Bank of Canada	234.16B	167.23	16.24	2.13%	14.82%	14.63%	16.53%	6.00
CMCanadian Imperial Bank of Commerce	93.55B	100.96	16.12	-3.14%	13.59%	13.09%		5.52
JPMJPMorgan Chase & Co.	809.67B	300.30	15.21	14.61%	21.59%	16.11%		2.18
WFCWells Fargo & Company	251.85B	81.44	15.16	8.72%	15.73%	11.51%	1.21%	1.56
BACBank of America Corporation	379.25B	49.83	13.04	-1.91%	16.23%	10.1%	3.33%	1.21

Profit & Loss

	Oct 2016	Oct 2017	Oct 2018	Oct 2019	Oct 2020	Oct 2021	Oct 2022	Oct 2023	Oct 2024	Oct 2025
Net Interest Income+	14.29B	15.04B	16.19B	17.18B	17.32B	16.96B	18.11B	18.29B	19.25B	21.52B
NII Growth %	9.17%	5.2%	7.69%	6.09%	0.83%	-2.07%	6.8%	0.95%	5.28%	11.79%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	22.21B	23.93B	28.07B	32.78B	29.71B	24.99B	33.56B	56.82B	61.66B	57.6B
Interest Expense	7.92B	8.89B	11.88B	15.61B	12.39B	8.03B	15.44B	38.54B	42.41B	36.08B
Loan Loss Provision	-7.92B	-8.89B	-11.88B	-15.61B	-12.39B	-8.03B	-15.44B	-38.54B	4.05B	4.71B
Non-Interest Income+	3.73B	2.82B	149M	-2.55B	1.58B	5.93B	-2.41B	-25.04B	-32.18B	15.57B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	25.94B	26.75B	28.22B	30.24B	31.29B	30.91B	31.15B	31.79B	29.48B	73.18B
Revenue Growth %	9.69%	3.13%	5.49%	7.16%	3.49%	-1.21%	0.76%	2.05%	-7.25%	148.2%
Non-Interest Expense	-8.87B	-7.82B	-5.41B	-19.37B	-22.97B	-18.42B	-3.03B	31.79B	19.64B	21.87B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	17.06B	18.93B	22.81B	10.86B	8.32B	12.49B	28.12B	8.69B	13.18B	10.51B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	6.23%	10.94%	20.48%	-52.37%	-23.39%	50.16%	125.03%	-69.09%	51.71%	-20.29%
Pretax Income+	9.4B	10.28B	11.11B	11.27B	8.4B	12.83B	12.93B	9.75B	9.92B	10.51B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	2.03B	2.03B	2.38B	2.47B	1.54B	2.87B	2.76B	2.23B	2.03B	2.75B
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	7.12B	8.01B	8.55B	8.39B	6.78B	9.62B	9.92B	7.41B	7.76B	7.79B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	1.47%	12.48%	6.78%	-1.85%	-19.21%	41.99%	3.03%	-25.27%	4.7%	0.4%
Net Income (Continuing)	6.95B	7.84B	8.16B	8.15B	6.61B	9.62B	9.91B	7.53B	7.89B	7.76B
EPS (Diluted)+	5.77	6.49	6.96	6.67	5.30	7.70	8.02	5.81	5.86	5.69
EPS Growth %	1.76%	12.48%	7.24%	-4.17%	-20.54%	45.28%	4.16%	-27.56%	0.86%	-2.9%
EPS (Basic)	5.80	6.55	7.05	6.72	5.43	7.74	8.05	5.84	5.94	5.69
Diluted Shares Outstanding	1.23B	1.22B	1.23B	1.25B	1.24B	1.23B	1.21B	1.2B	1.23B	1.25B

Balance Sheet

	Oct 2016	Oct 2017	Oct 2018	Oct 2019	Oct 2020	Oct 2021	Oct 2022	Oct 2023	Oct 2024	Oct 2025
Cash & Short Term Investments+	76.03B	105.59B	110.68B	81.46B	116.5B	120.05B	119.31B	140.83B	108.17B	108.1B
Cash & Due from Banks	46.34B	59.66B	62.27B	46.72B	76.46B	86.32B	65.89B	90.31B	63.86B	65.97B
Short Term Investments	29.69B	45.92B	48.41B	34.74B	40.04B	33.73B	53.41B	50.51B	44.3B	42.13B
Total Investments+	196.27B	200.94B	217.6B	236.38B	263.39B	249.73B	269.6B	281B	321.04B	1.01T
Investments Growth %	29.48%	2.38%	8.29%	8.63%	11.43%	-5.19%	7.96%	4.23%	14.25%	214.42%
Long-Term Investments	166.58B	155.02B	169.19B	201.63B	223.35B	216B	216.19B	230.49B	276.73B	967.27B
Accounts Receivables	3.92B	3.85B	4.68B	5.09B	4.84B	4.36B	5.42B	7.13B	7.47B	7.72B
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	7.38B	7.24B	10.01B	9.63B	9.28B	8.85B	8.87B	9.18B	8.96B	8.59B
Intangible Assets	4.76B	4.86B	7.71B	7.83B	7.74B	7.76B	7.96B	8.01B	7.89B	7.58B
PP&E (Net)	2.52B	2.38B	2.68B	2.67B	5.9B	5.62B	5.7B	5.64B	5.25B	4.88B
Other Assets	-2.02B	-169.51B	-1.94B	-1.57B	-2.19B	-2.05B	-1.9B	1.15T	991.94B	345.4B
Total Current Assets	81.29B	110.78B	118.16B	89.25B	125.2B	129.13B	132.69B	154.84B	121.25B	123.06B
Total Non-Current Assets	181.24B	169.51B	189.59B	221.77B	246.26B	238.23B	238.72B	1.41T	1.29T	1.34T
Total Assets+	896.27B	915.27B	998.49B	1.09T	1.14T	1.18T	1.35T	1.41T	1.41T	1.46T
Asset Growth %	4.64%	2.12%	9.09%	8.78%	4.63%	4.26%	13.89%	4.55%	0.09%	3.4%
Return on Assets (ROA)	0.81%	0.88%	0.89%	0.8%	0.61%	0.83%	0.78%	0.54%	0.55%	0.54%
Accounts Payable	7.99B	8.84B	9.4B	9.2B	8.31B	8.92B	12.56B	16.98B	16.77B	17.85B
Total Debt+	9.09B	10.6B	13.89B	19.49B	7.41B	245.66B	310.86B	313.81B	300.67B	504.02B
Net Debt	-37.25B	-49.06B	-48.38B	-27.23B	-69.06B	159.34B	244.96B	223.5B	236.81B	438.06B
Long-Term Debt	9.09B	10.6B	13.89B	140.24B	155.17B	158.27B	177.43B	190.68B	194.31B	199.57B
Short-Term Debt	0	0	0	0	0	83.98B	130.11B	119.93B	103.38B	301.49B
Other Liabilities	-9.09B	-10.6B	-13.89B	-140.24B	-158.65B	-161.68B	-180.75B	450.51B	93.29B	100.85B
Total Current Liabilities	105.12B	102.48B	102.76B	122.72B	65.61B	92.9B	142.67B	649.64B	722.1B	1.07T
Total Non-Current Liabilities	105.12B	102.48B	102.76B	20.79B	8.48B	162.83B	142.67B	644.4B	291.97B	304.8B
Total Liabilities	838.45B	853.65B	930.81B	1.02T	1.07T	1.11T	1.27T	1.33T	1.33T	1.37T
Total Equity+	57.82B	61.63B	67.68B	70.19B	70.5B	72.89B	74.75B	78.67B	84.08B	88.59B
Equity Growth %	8.12%	6.58%	9.83%	3.71%	0.44%	3.39%	2.55%	5.24%	6.88%	5.37%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	12.79%	13.4%	13.22%	12.17%	9.63%	13.42%	13.43%	9.66%	9.53%	9.02%
Book Value per Share	47.16	50.39	55.07	56.11	56.72	59.50	61.88	65.34	68.24	71.15
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	15.51B	15.64B	18.23B	18.26B	18.24B	18.51B	18.71B	20.11B	22.05B	22.07B
Additional Paid-in Capital	0	0	0	0	0	0	0	0	0	0
Retained Earnings	34.75B	38.12B	41.41B	44.44B	46.34B	51.35B	53.76B	55.75B	57.75B	58.92B
Accumulated OCI	2.39B	1.69B	1.4B	935M	-1.76B	-5.11B	-7.32B	-7B	-6.21B	-4.06B
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	3.59B	4.58B	4.18B	3.88B	5.31B	6.05B	8.07B	8.07B	8.78B	9.94B

Cash Flow

	Oct 2016	Oct 2017	Oct 2018	Oct 2019	Oct 2020	Oct 2021	Oct 2022	Oct 2023	Oct 2024	Oct 2025
Cash from Operations+	4.1B	16.58B	17.81B	-12.03B	56.66B	-12.81B	16.94B	11.47B	15.65B	5.41B
Operating CF Growth %	-70.4%	304.59%	7.4%	-167.51%	571.22%	-122.6%	232.29%	-32.3%	36.46%	-65.45%
Net Income	7.37B	8.24B	8.72B	8.8B	6.85B	9.96B	10.17B	7.53B	7.76B	7.76B
Depreciation & Amortization	684M	761M	848M	1.05B	1.55B	1.51B	1.53B	1.82B	1.76B	1.6B
Deferred Taxes	2.03B	2.03B	2.38B	2.47B	1.54B	2.87B	2.76B	2.23B	2.03B	2.75B
Other Non-Cash Items	148M	872M	93M	-90M	3B	-967M	-594M	4.31B	2.2B	1.21B
Working Capital Changes	-6.14B	4.67B	5.76B	-24.27B	43.72B	-26.18B	3.06B	-4.83B	1.89B	-7.93B
Cash from Investing+	-2.75B	-12.54B	-13.72B	15.22B	-56.46B	14.7B	-11.29B	-30.04B	-7.45B	1.57B
Purchase of Investments	-94.44B	-64.56B	-91.9B	-89.02B	-147.63B	-72.26B	-97.74B	-100.92B	-108.28B	-70.1B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	-1.05B	229M	-3.86B	20M	3.94B	-717M	-549M	895M	0	-2.64B
Other Investing	28.02B	-385M	-1.89B	17.45B	-31.03B	-15.63B	24.43B	-24.45B	24.53B	-807M
Cash from Financing+	-1.2B	-2.93B	-2.87B	-1.29B	28.13B	-2.78B	-4.58B	16.71B	-8.84B	-6.31B
Dividends Paid	-3.6B	-3.8B	-4.17B	-4.44B	-4.56B	-4.6B	-5.12B	-5.42B	-5.67B	-5.88B
Share Repurchases	-770M	-1.58B	-1.33B	-1.38B	-679M	-1.26B	-3.37B	0	0	-895M
Stock Issued	1.74B	313M	2.13B	255M	59M	2.27B	137M	1.4B	1.95B	210M
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	-1000K	-1000K	1000K	-1000K	-1000K	1000K	1000K	-1000K	-1000K
Other Financing	7.32B	29.59B	41.07B	63.5B	33.45B	1.91B	-506M	19.69B	-3.26B	-360M
Net Change in Cash+	131M	970M	1.17B	1.91B	219M	-1.43B	1.37B	-892M	-767M	850M
Exchange Rate Effect	-1000K	-1000K	-1000K	1000K	-1000K	-1000K	1000K	1000K	-1000K	1000K
Cash at Beginning	6.72B	6.86B	7.83B	9B	10.9B	11.12B	9.69B	11.06B	10.17B	9.41B
Cash at End	6.86B	7.83B	9B	10.9B	11.12B	9.69B	11.06B	10.17B	9.41B	10.26B
Interest Paid	0	0	0	0	0	0	0	0	0	0
Income Taxes Paid	0	0	0	0	0	0	0	0	0	0
Free Cash Flow+	3.75B	2.58B	17.39B	-12.21B	55.89B	-13.27B	16.37B	31.28B	15.16B	5.06B
FCF Growth %	-72.35%	-31.19%	573.96%	-170.2%	557.73%	-123.74%	223.39%	91.07%	-51.53%	-66.63%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	12.79%	13.4%	13.22%	12.17%	9.63%	13.42%	13.43%	9.66%	9.53%	9.02%
Return on Assets (ROA)	0.81%	0.88%	0.89%	0.8%	0.61%	0.83%	0.78%	0.54%	0.55%	0.54%
Net Interest Margin	1.59%	1.64%	1.62%	1.58%	1.52%	1.43%	1.34%	1.3%	1.36%	1.47%
Efficiency Ratio	-34.21%	-29.23%	-19.17%	-64.08%	-73.41%	-59.58%	-9.73%	100%	66.61%	29.89%
Equity / Assets	6.45%	6.73%	6.78%	6.46%	6.2%	6.15%	5.54%	5.58%	5.95%	6.07%
Book Value / Share	47.16	50.39	55.07	56.11	56.72	59.5	61.88	65.34	68.24	71.15
NII Growth	9.17%	5.2%	7.69%	6.09%	0.83%	-2.07%	6.8%	0.95%	5.28%	11.79%
Dividend Payout	50.56%	47.43%	48.81%	52.94%	67.26%	47.84%	51.61%	73.17%	67%	68.93%

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The Bank of Nova Scotia (BNS) 10-Year Financial Performance & Capital Metrics

BNS • • Banking & Credit

Financial ServicesDiversified BanksNorth American universal banks

Net Interest Income $21.52B +11.8%
Total Revenue $73.18B +148.2%
Net Income $7.79B +0.4%
Return on Equity 9.02% -5.4%
Net Interest Margin 1.47% +8.1%
Efficiency Ratio 29.89% -55.1%
ROA 0.54% -1.3%
Equity / Assets 6.07% +1.9%
Book Value per Share 71.15 +4.3%
Tangible BV/Share 58.17 +6.6%
Debt/Equity 5.69 +59.1%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 29.9% efficiency ratio
✓Healthy dividend yield of 4.2%
✓Trading near 52-week high
✓Trading at only 1.5x book value

✗Weaknesses

✗High debt to equity ratio of 5.7x
✗Weak Piotroski F-Score: 3/9
✗Weak NIM of 1.5%

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y11.96%

5Y18.52%

3Y32.94%

TTM-

Profit (Net Income) CAGR

10Y1.05%

5Y2.82%

3Y-7.73%

TTM0.4%

EPS CAGR

10Y0.04%

5Y1.43%

3Y-10.81%

TTM-4.25%

ROCE

10Y Avg1.75%

5Y Avg1.65%

3Y Avg1.55%

Latest1.94%

Peer Comparison

North American universal banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
CCitigroup Inc.	192.61B	110.22	18.52	9.86%	7.43%	6.87%		2.82
BNSThe Bank of Nova Scotia	93.65B	75.75	18.22	148.2%	10.64%	8.79%	3.95%	5.69
BMOBank of Montreal	102.03B	143.93	17.22	-0.52%	11.14%	10.57%	6.1%	4.71
RYRoyal Bank of Canada	234.16B	167.23	16.24	2.13%	14.82%	14.63%	16.53%	6.00
CMCanadian Imperial Bank of Commerce	93.55B	100.96	16.12	-3.14%	13.59%	13.09%		5.52
JPMJPMorgan Chase & Co.	809.67B	300.30	15.21	14.61%	21.59%	16.11%		2.18
WFCWells Fargo & Company	251.85B	81.44	15.16	8.72%	15.73%	11.51%	1.21%	1.56
BACBank of America Corporation	379.25B	49.83	13.04	-1.91%	16.23%	10.1%	3.33%	1.21

Profit & Loss

	Oct 2016	Oct 2017	Oct 2018	Oct 2019	Oct 2020	Oct 2021	Oct 2022	Oct 2023	Oct 2024	Oct 2025
Net Interest Income+	14.29B	15.04B	16.19B	17.18B	17.32B	16.96B	18.11B	18.29B	19.25B	21.52B
NII Growth %	9.17%	5.2%	7.69%	6.09%	0.83%	-2.07%	6.8%	0.95%	5.28%	11.79%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	22.21B	23.93B	28.07B	32.78B	29.71B	24.99B	33.56B	56.82B	61.66B	57.6B
Interest Expense	7.92B	8.89B	11.88B	15.61B	12.39B	8.03B	15.44B	38.54B	42.41B	36.08B
Loan Loss Provision	-7.92B	-8.89B	-11.88B	-15.61B	-12.39B	-8.03B	-15.44B	-38.54B	4.05B	4.71B
Non-Interest Income+	3.73B	2.82B	149M	-2.55B	1.58B	5.93B	-2.41B	-25.04B	-32.18B	15.57B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	25.94B	26.75B	28.22B	30.24B	31.29B	30.91B	31.15B	31.79B	29.48B	73.18B
Revenue Growth %	9.69%	3.13%	5.49%	7.16%	3.49%	-1.21%	0.76%	2.05%	-7.25%	148.2%
Non-Interest Expense	-8.87B	-7.82B	-5.41B	-19.37B	-22.97B	-18.42B	-3.03B	31.79B	19.64B	21.87B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	17.06B	18.93B	22.81B	10.86B	8.32B	12.49B	28.12B	8.69B	13.18B	10.51B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	6.23%	10.94%	20.48%	-52.37%	-23.39%	50.16%	125.03%	-69.09%	51.71%	-20.29%
Pretax Income+	9.4B	10.28B	11.11B	11.27B	8.4B	12.83B	12.93B	9.75B	9.92B	10.51B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	2.03B	2.03B	2.38B	2.47B	1.54B	2.87B	2.76B	2.23B	2.03B	2.75B
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	7.12B	8.01B	8.55B	8.39B	6.78B	9.62B	9.92B	7.41B	7.76B	7.79B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	1.47%	12.48%	6.78%	-1.85%	-19.21%	41.99%	3.03%	-25.27%	4.7%	0.4%
Net Income (Continuing)	6.95B	7.84B	8.16B	8.15B	6.61B	9.62B	9.91B	7.53B	7.89B	7.76B
EPS (Diluted)+	5.77	6.49	6.96	6.67	5.30	7.70	8.02	5.81	5.86	5.69
EPS Growth %	1.76%	12.48%	7.24%	-4.17%	-20.54%	45.28%	4.16%	-27.56%	0.86%	-2.9%
EPS (Basic)	5.80	6.55	7.05	6.72	5.43	7.74	8.05	5.84	5.94	5.69
Diluted Shares Outstanding	1.23B	1.22B	1.23B	1.25B	1.24B	1.23B	1.21B	1.2B	1.23B	1.25B

Balance Sheet

	Oct 2016	Oct 2017	Oct 2018	Oct 2019	Oct 2020	Oct 2021	Oct 2022	Oct 2023	Oct 2024	Oct 2025
Cash & Short Term Investments+	76.03B	105.59B	110.68B	81.46B	116.5B	120.05B	119.31B	140.83B	108.17B	108.1B
Cash & Due from Banks	46.34B	59.66B	62.27B	46.72B	76.46B	86.32B	65.89B	90.31B	63.86B	65.97B
Short Term Investments	29.69B	45.92B	48.41B	34.74B	40.04B	33.73B	53.41B	50.51B	44.3B	42.13B
Total Investments+	196.27B	200.94B	217.6B	236.38B	263.39B	249.73B	269.6B	281B	321.04B	1.01T
Investments Growth %	29.48%	2.38%	8.29%	8.63%	11.43%	-5.19%	7.96%	4.23%	14.25%	214.42%
Long-Term Investments	166.58B	155.02B	169.19B	201.63B	223.35B	216B	216.19B	230.49B	276.73B	967.27B
Accounts Receivables	3.92B	3.85B	4.68B	5.09B	4.84B	4.36B	5.42B	7.13B	7.47B	7.72B
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	7.38B	7.24B	10.01B	9.63B	9.28B	8.85B	8.87B	9.18B	8.96B	8.59B
Intangible Assets	4.76B	4.86B	7.71B	7.83B	7.74B	7.76B	7.96B	8.01B	7.89B	7.58B
PP&E (Net)	2.52B	2.38B	2.68B	2.67B	5.9B	5.62B	5.7B	5.64B	5.25B	4.88B
Other Assets	-2.02B	-169.51B	-1.94B	-1.57B	-2.19B	-2.05B	-1.9B	1.15T	991.94B	345.4B
Total Current Assets	81.29B	110.78B	118.16B	89.25B	125.2B	129.13B	132.69B	154.84B	121.25B	123.06B
Total Non-Current Assets	181.24B	169.51B	189.59B	221.77B	246.26B	238.23B	238.72B	1.41T	1.29T	1.34T
Total Assets+	896.27B	915.27B	998.49B	1.09T	1.14T	1.18T	1.35T	1.41T	1.41T	1.46T
Asset Growth %	4.64%	2.12%	9.09%	8.78%	4.63%	4.26%	13.89%	4.55%	0.09%	3.4%
Return on Assets (ROA)	0.81%	0.88%	0.89%	0.8%	0.61%	0.83%	0.78%	0.54%	0.55%	0.54%
Accounts Payable	7.99B	8.84B	9.4B	9.2B	8.31B	8.92B	12.56B	16.98B	16.77B	17.85B
Total Debt+	9.09B	10.6B	13.89B	19.49B	7.41B	245.66B	310.86B	313.81B	300.67B	504.02B
Net Debt	-37.25B	-49.06B	-48.38B	-27.23B	-69.06B	159.34B	244.96B	223.5B	236.81B	438.06B
Long-Term Debt	9.09B	10.6B	13.89B	140.24B	155.17B	158.27B	177.43B	190.68B	194.31B	199.57B
Short-Term Debt	0	0	0	0	0	83.98B	130.11B	119.93B	103.38B	301.49B
Other Liabilities	-9.09B	-10.6B	-13.89B	-140.24B	-158.65B	-161.68B	-180.75B	450.51B	93.29B	100.85B
Total Current Liabilities	105.12B	102.48B	102.76B	122.72B	65.61B	92.9B	142.67B	649.64B	722.1B	1.07T
Total Non-Current Liabilities	105.12B	102.48B	102.76B	20.79B	8.48B	162.83B	142.67B	644.4B	291.97B	304.8B
Total Liabilities	838.45B	853.65B	930.81B	1.02T	1.07T	1.11T	1.27T	1.33T	1.33T	1.37T
Total Equity+	57.82B	61.63B	67.68B	70.19B	70.5B	72.89B	74.75B	78.67B	84.08B	88.59B
Equity Growth %	8.12%	6.58%	9.83%	3.71%	0.44%	3.39%	2.55%	5.24%	6.88%	5.37%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	12.79%	13.4%	13.22%	12.17%	9.63%	13.42%	13.43%	9.66%	9.53%	9.02%
Book Value per Share	47.16	50.39	55.07	56.11	56.72	59.50	61.88	65.34	68.24	71.15
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	15.51B	15.64B	18.23B	18.26B	18.24B	18.51B	18.71B	20.11B	22.05B	22.07B
Additional Paid-in Capital	0	0	0	0	0	0	0	0	0	0
Retained Earnings	34.75B	38.12B	41.41B	44.44B	46.34B	51.35B	53.76B	55.75B	57.75B	58.92B
Accumulated OCI	2.39B	1.69B	1.4B	935M	-1.76B	-5.11B	-7.32B	-7B	-6.21B	-4.06B
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	3.59B	4.58B	4.18B	3.88B	5.31B	6.05B	8.07B	8.07B	8.78B	9.94B

Cash Flow

	Oct 2016	Oct 2017	Oct 2018	Oct 2019	Oct 2020	Oct 2021	Oct 2022	Oct 2023	Oct 2024	Oct 2025
Cash from Operations+	4.1B	16.58B	17.81B	-12.03B	56.66B	-12.81B	16.94B	11.47B	15.65B	5.41B
Operating CF Growth %	-70.4%	304.59%	7.4%	-167.51%	571.22%	-122.6%	232.29%	-32.3%	36.46%	-65.45%
Net Income	7.37B	8.24B	8.72B	8.8B	6.85B	9.96B	10.17B	7.53B	7.76B	7.76B
Depreciation & Amortization	684M	761M	848M	1.05B	1.55B	1.51B	1.53B	1.82B	1.76B	1.6B
Deferred Taxes	2.03B	2.03B	2.38B	2.47B	1.54B	2.87B	2.76B	2.23B	2.03B	2.75B
Other Non-Cash Items	148M	872M	93M	-90M	3B	-967M	-594M	4.31B	2.2B	1.21B
Working Capital Changes	-6.14B	4.67B	5.76B	-24.27B	43.72B	-26.18B	3.06B	-4.83B	1.89B	-7.93B
Cash from Investing+	-2.75B	-12.54B	-13.72B	15.22B	-56.46B	14.7B	-11.29B	-30.04B	-7.45B	1.57B
Purchase of Investments	-94.44B	-64.56B	-91.9B	-89.02B	-147.63B	-72.26B	-97.74B	-100.92B	-108.28B	-70.1B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	-1.05B	229M	-3.86B	20M	3.94B	-717M	-549M	895M	0	-2.64B
Other Investing	28.02B	-385M	-1.89B	17.45B	-31.03B	-15.63B	24.43B	-24.45B	24.53B	-807M
Cash from Financing+	-1.2B	-2.93B	-2.87B	-1.29B	28.13B	-2.78B	-4.58B	16.71B	-8.84B	-6.31B
Dividends Paid	-3.6B	-3.8B	-4.17B	-4.44B	-4.56B	-4.6B	-5.12B	-5.42B	-5.67B	-5.88B
Share Repurchases	-770M	-1.58B	-1.33B	-1.38B	-679M	-1.26B	-3.37B	0	0	-895M
Stock Issued	1.74B	313M	2.13B	255M	59M	2.27B	137M	1.4B	1.95B	210M
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	-1000K	-1000K	1000K	-1000K	-1000K	1000K	1000K	-1000K	-1000K
Other Financing	7.32B	29.59B	41.07B	63.5B	33.45B	1.91B	-506M	19.69B	-3.26B	-360M
Net Change in Cash+	131M	970M	1.17B	1.91B	219M	-1.43B	1.37B	-892M	-767M	850M
Exchange Rate Effect	-1000K	-1000K	-1000K	1000K	-1000K	-1000K	1000K	1000K	-1000K	1000K
Cash at Beginning	6.72B	6.86B	7.83B	9B	10.9B	11.12B	9.69B	11.06B	10.17B	9.41B
Cash at End	6.86B	7.83B	9B	10.9B	11.12B	9.69B	11.06B	10.17B	9.41B	10.26B
Interest Paid	0	0	0	0	0	0	0	0	0	0
Income Taxes Paid	0	0	0	0	0	0	0	0	0	0
Free Cash Flow+	3.75B	2.58B	17.39B	-12.21B	55.89B	-13.27B	16.37B	31.28B	15.16B	5.06B
FCF Growth %	-72.35%	-31.19%	573.96%	-170.2%	557.73%	-123.74%	223.39%	91.07%	-51.53%	-66.63%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	12.79%	13.4%	13.22%	12.17%	9.63%	13.42%	13.43%	9.66%	9.53%	9.02%
Return on Assets (ROA)	0.81%	0.88%	0.89%	0.8%	0.61%	0.83%	0.78%	0.54%	0.55%	0.54%
Net Interest Margin	1.59%	1.64%	1.62%	1.58%	1.52%	1.43%	1.34%	1.3%	1.36%	1.47%
Efficiency Ratio	-34.21%	-29.23%	-19.17%	-64.08%	-73.41%	-59.58%	-9.73%	100%	66.61%	29.89%
Equity / Assets	6.45%	6.73%	6.78%	6.46%	6.2%	6.15%	5.54%	5.58%	5.95%	6.07%
Book Value / Share	47.16	50.39	55.07	56.11	56.72	59.5	61.88	65.34	68.24	71.15
NII Growth	9.17%	5.2%	7.69%	6.09%	0.83%	-2.07%	6.8%	0.95%	5.28%	11.79%
Dividend Payout	50.56%	47.43%	48.81%	52.94%	67.26%	47.84%	51.61%	73.17%	67%	68.93%

The Bank of Nova Scotia (BNS) 10-Year Financial Performance & Capital Metrics

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The Bank of Nova Scotia (BNS) 10-Year Financial Performance & Capital Metrics

Key Insights

✓Strengths

✗Weaknesses

Price & Volume

Growth Metrics

Revenue CAGR

Profit (Net Income) CAGR

EPS CAGR

ROCE

Peer Comparison

Compare BNS vs Peers

vs JPM

vs BAC

Compare Top 5

Profit & Loss

Balance Sheet

Cash Flow

Banking Ratios

Deep Dive Analysis

Valuation Overview

Total Return Calculator

Dividend History

Earnings History

Price History

Revenue History

Financial Ratios