← Back to Screener
ScreenerNewsCompareWatchlist
VCP ScannerFree US Stock Screener & Financial AnalysisFree US Stock Screener
ScreenerThemesNewsCompareWatchlist
AnalyzeValuationTotal ReturnDCA CalculatorInsider Activity

BNS logoThe Bank of Nova Scotia(BNS)Earnings, Financials & Key Ratios

BNS•NYSE•Banking & Credit
$78.45
$96.99B mkt cap·18.7× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryDiversified BanksSub-IndustryNorth 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 Equity9.02%-5.4%
  • Net Interest Margin1.47%+8.1%
  • Efficiency Ratio29.89%-55.1%
  • ROA0.54%-1.3%
  • Equity / Assets6.07%+1.9%
  • Book Value per Share71.15+4.3%
  • Tangible BV/Share58.17+6.6%
  • Debt/Equity5.69+59.1%
Analysis→Technical→

BNS Key Insights

The Bank of Nova Scotia (BNS) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Efficient operations: 29.9% efficiency ratio
  • ✓Healthy dividend yield of 4.0%
  • ✓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%

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

BNS Price & Volume

The Bank of Nova Scotia (BNS) stock price & volume — 10-year historical chart

Loading chart...

BNS Growth Metrics

The Bank of Nova Scotia (BNS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years11.96%
5 Years18.52%
3 Years32.94%
TTM-

Profit CAGR

10 Years1.05%
5 Years2.82%
3 Years-7.73%
TTM0.4%

EPS CAGR

10 Years0.04%
5 Years1.43%
3 Years-10.81%
TTM-4.25%

Return on Capital

10 Years1.75%
5 Years1.65%
3 Years1.55%
Last Year1.94%

BNS Recent Earnings

The Bank of Nova Scotia (BNS) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 12/12 qtrs (100%)
Q1 2026Latest
Feb 24, 2026
EPS
$1.48
Est $1.42
+4.2%
Revenue
$7.4B
Est $7.1B
+3.7%
Q4 2025
Dec 2, 2025
EPS
$1.39
Est $1.33
+4.5%
Revenue
$13.0B
Est $7.0B
+85.8%
Q3 2025
Aug 26, 2025
EPS
$1.37
Est $1.28
+7.0%
Revenue
$13.0B
Est $6.8B
+91.0%
Q2 2025
May 27, 2025
EPS
$1.06
Est $1.14
-7.0%
Revenue
$13.0B
Est $6.8B
+92.5%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q1 2026LatestFeb 24, 2026
$1.48vs $1.42+4.2%
$7.4Bvs $7.1B+3.7%
Q4 2025Dec 2, 2025
$1.39vs $1.33+4.5%
$13.0Bvs $7.0B+85.8%
Q3 2025Aug 26, 2025
$1.37vs $1.28+7.0%
$13.0Bvs $6.8B+91.0%
Q2 2025May 27, 2025
$1.06vs $1.14-7.0%
$13.0Bvs $6.8B+92.5%
Based on last 12 quarters of dataView full earnings history →

BNS Peer Comparison

The Bank of Nova Scotia (BNS) competitors in North American universal banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
TD logoTDThe Toronto-Dominion BankDirect Competitor182.1B108.6012.76-2.8%16.07%5.19
BMO logoBMOBank of MontrealDirect Competitor109.89B155.0218.41-0.52%10.57%4.71
CM logoCMCanadian Imperial Bank of CommerceDirect Competitor103.98B112.2217.79-3.14%13.09%5.52
RY logoRYRoyal Bank of CanadaDirect Competitor254.32B181.6317.512.13%14.63%6.00
BK logoBKThe Bank of New York Mellon CorporationDirect Competitor91.98B133.6423.0417.05%11.82%1.09
USB logoUSBU.S. BancorpDirect Competitor87.33B56.1612.180.35%11.54%1.19
JPM logoJPMJPMorgan Chase & Co.Product Competitor849.03B314.9015.9414.61%16.11%2.18
BAC logoBACBank of America CorporationProduct Competitor407.94B53.6014.03-1.91%10.1%1.21

Compare BNS vs Peers

The Bank of Nova Scotia (BNS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs TD

Most directly comparable listed peer for BNS.

Scale Benchmark

vs JPM

Larger-name benchmark to compare BNS against a more recognizable public peer.

Peer Set

Compare Top 5

vs TD, BMO, CM, RY

BNS Income Statement

The Bank of Nova Scotia (BNS) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemOct'17Oct'18Oct'19Oct'20Oct'21Oct'22Oct'23Oct'24Oct'25
Net Interest Income15.04B16.19B17.18B17.32B16.96B18.11B18.29B19.25B21.52B
NII Growth %5.2%7.69%6.09%0.83%-2.07%6.8%0.95%5.28%11.79%
Net Interest Margin %1.64%1.62%1.58%1.52%1.43%1.34%1.3%1.36%1.47%
Interest Income23.93B28.07B32.78B29.71B24.99B33.56B56.82B61.66B57.6B
Interest Expense8.89B11.88B15.61B12.39B8.03B15.44B38.54B42.41B36.08B
Loan Loss Provision-8.89B-11.88B-15.61B-12.39B-8.03B-15.44B-38.54B4.05B4.71B
Non-Interest Income2.82B149M-2.55B1.58B5.93B-2.41B-25.04B-32.18B15.57B
Non-Interest Income %10.55%0.53%-8.43%5.05%19.17%-7.74%-78.76%-109.13%21.28%
Total Revenue
26.75B▲ 0%
28.22B▲ 5.5%
30.24B▲ 7.2%
31.29B▲ 3.5%
30.91B▼ 1.2%
31.15B▲ 0.8%
31.79B▲ 2.1%
29.48B▼ 7.2%
73.18B▲ 148.2%
Revenue Growth %3.13%5.49%7.16%3.49%-1.21%0.76%2.05%-7.25%148.2%
Non-Interest Expense-7.82B-5.41B-19.37B-22.97B-18.42B-3.03B31.79B19.64B21.87B
Efficiency Ratio-29.23%-19.17%-64.08%-73.41%-59.58%-9.73%100%66.61%29.89%
Operating Income
18.93B▲ 0%
22.81B▲ 20.5%
10.86B▼ 52.4%
8.32B▼ 23.4%
12.49B▲ 50.2%
28.12B▲ 125.0%
8.69B▼ 69.1%
13.18B▲ 51.7%
10.51B▼ 20.3%
Operating Margin %70.77%80.83%35.92%26.59%40.42%90.27%27.34%44.72%14.36%
Operating Income Growth %10.94%20.48%-52.37%-23.39%50.16%125.03%-69.09%51.71%-20.29%
Pretax Income
10.28B▲ 0%
11.11B▲ 8.1%
11.27B▲ 1.5%
8.4B▼ 25.5%
12.83B▲ 52.8%
12.93B▲ 0.8%
9.75B▼ 24.6%
9.92B▲ 1.7%
10.51B▲ 5.9%
Pretax Margin %38.42%39.36%37.27%26.83%41.49%41.52%30.69%33.66%14.36%
Income Tax2.03B2.38B2.47B1.54B2.87B2.76B2.23B2.03B2.75B
Effective Tax Rate %19.78%21.45%21.93%18.38%22.38%21.33%22.82%20.48%26.18%
Net Income
8.01B▲ 0%
8.55B▲ 6.8%
8.39B▼ 1.8%
6.78B▼ 19.2%
9.62B▲ 42.0%
9.92B▲ 3.0%
7.41B▼ 25.3%
7.76B▲ 4.7%
7.79B▲ 0.4%
Net Margin %29.93%30.29%27.75%21.66%31.13%31.84%23.31%26.31%10.64%
Net Income Growth %12.48%6.78%-1.85%-19.21%41.99%3.03%-25.27%4.7%0.4%
Net Income (Continuing)7.84B8.16B8.15B6.61B9.62B9.91B7.53B7.89B7.76B
EPS (Diluted)
6.49▲ 0%
6.96▲ 7.2%
6.67▼ 4.2%
5.30▼ 20.5%
7.70▲ 45.3%
8.02▲ 4.2%
5.81▼ 27.6%
5.86▲ 0.9%
5.69▼ 2.9%
EPS Growth %12.48%7.24%-4.17%-20.54%45.28%4.16%-27.56%0.86%-2.9%
EPS (Basic)6.557.056.725.437.748.055.845.945.69
Diluted Shares Outstanding1.22B1.23B1.25B1.24B1.23B1.21B1.2B1.23B1.25B

BNS Balance Sheet

The Bank of Nova Scotia (BNS) balance sheet — assets, liabilities & shareholders' equity

Line itemOct'17Oct'18Oct'19Oct'20Oct'21Oct'22Oct'23Oct'24Oct'25
Cash & Short Term Investments105.59B110.68B81.46B116.5B120.05B119.31B140.83B108.17B108.1B
Cash & Due from Banks59.66B62.27B46.72B76.46B86.32B65.89B90.31B63.86B65.97B
Short Term Investments45.92B48.41B34.74B40.04B33.73B53.41B50.51B44.3B42.13B
Total Investments200.94B217.6B236.38B263.39B249.73B269.6B281B321.04B1.01T
Investments Growth %2.38%8.29%8.63%11.43%-5.19%7.96%4.23%14.25%214.42%
Long-Term Investments155.02B169.19B201.63B223.35B216B216.19B230.49B276.73B967.27B
Accounts Receivables3.85B4.68B5.09B4.84B4.36B5.42B7.13B7.47B7.72B
Goodwill & Intangibles12.11B17.72B17.46B17.02B16.6B16.83B17.19B16.85B16.17B
Goodwill7.24B10.01B9.63B9.28B8.85B8.87B9.18B8.96B8.59B
Intangible Assets4.86B7.71B7.83B7.74B7.76B7.96B8.01B7.89B7.58B
PP&E (Net)2.38B2.68B2.67B5.9B5.62B5.7B5.64B5.25B4.88B
Other Assets-169.51B-1.94B-1.57B-2.19B-2.05B-1.9B1.15T991.94B345.4B
Total Current Assets110.78B118.16B89.25B125.2B129.13B132.69B154.84B121.25B123.06B
Total Non-Current Assets169.51B189.59B221.77B246.26B238.23B238.72B1.41T1.29T1.34T
Total Assets
915.27B▲ 0%
998.49B▲ 9.1%
1.09T▲ 8.8%
1.14T▲ 4.6%
1.18T▲ 4.3%
1.35T▲ 13.9%
1.41T▲ 4.5%
1.41T▲ 0.1%
1.46T▲ 3.4%
Asset Growth %2.12%9.09%8.78%4.63%4.26%13.89%4.55%0.09%3.4%
Return on Assets (ROA)0.88%0.89%0.8%0.61%0.83%0.78%0.54%0.55%0.54%
Accounts Payable8.84B9.4B9.2B8.31B8.92B12.56B16.98B16.77B17.85B
Total Debt10.6B13.89B19.49B7.41B245.66B310.86B313.81B300.67B504.02B
Net Debt-49.06B-48.38B-27.23B-69.06B159.34B244.96B223.5B236.81B438.06B
Long-Term Debt10.6B13.89B140.24B155.17B158.27B177.43B190.68B194.31B199.57B
Short-Term Debt000083.98B130.11B119.93B103.38B301.49B
Other Liabilities-10.6B-13.89B-140.24B-158.65B-161.68B-180.75B450.51B93.29B100.85B
Total Current Liabilities102.48B102.76B122.72B65.61B92.9B142.67B649.64B722.1B1.07T
Total Non-Current Liabilities102.48B102.76B20.79B8.48B162.83B142.67B644.4B291.97B304.8B
Total Liabilities853.65B930.81B1.02T1.07T1.11T1.27T1.33T1.33T1.37T
Total Equity
61.63B▲ 0%
67.68B▲ 9.8%
70.19B▲ 3.7%
70.5B▲ 0.4%
72.89B▲ 3.4%
74.75B▲ 2.5%
78.67B▲ 5.2%
84.08B▲ 6.9%
88.59B▲ 5.4%
Equity Growth %6.58%9.83%3.71%0.44%3.39%2.55%5.24%6.88%5.37%
Equity / Assets (Capital Ratio)6.73%6.78%6.46%6.2%6.15%5.54%5.58%5.95%6.07%
Return on Equity (ROE)13.4%13.22%12.17%9.63%13.42%13.43%9.66%9.53%9.02%
Book Value per Share50.3955.0756.1156.7259.5061.8865.3468.2471.15
Tangible BV per Share40.4940.6542.1543.0345.9547.9451.0654.5658.17
Common Stock15.64B18.23B18.26B18.24B18.51B18.71B20.11B22.05B22.07B
Additional Paid-in Capital000000000
Retained Earnings38.12B41.41B44.44B46.34B51.35B53.76B55.75B57.75B58.92B
Accumulated OCI1.69B1.4B935M-1.76B-5.11B-7.32B-7B-6.21B-4.06B
Treasury Stock000000000
Preferred Stock4.58B4.18B3.88B5.31B6.05B8.07B8.07B8.78B9.94B

BNS Cash Flow Statement

The Bank of Nova Scotia (BNS) cash flow — operating, investing & free cash flow history

Line itemOct'17Oct'18Oct'19Oct'20Oct'21Oct'22Oct'23Oct'24Oct'25
Cash from Operations16.58B17.81B-12.03B56.66B-12.81B16.94B11.47B15.65B5.41B
Operating CF Growth %304.59%7.4%-167.51%571.22%-122.6%232.29%-32.3%36.46%-65.45%
Net Income8.24B8.72B8.8B6.85B9.96B10.17B7.53B7.76B7.76B
Depreciation & Amortization761M848M1.05B1.55B1.51B1.53B1.82B1.76B1.6B
Deferred Taxes2.03B2.38B2.47B1.54B2.87B2.76B2.23B2.03B2.75B
Other Non-Cash Items872M93M-90M3B-967M-594M4.31B2.2B1.21B
Working Capital Changes4.67B5.76B-24.27B43.72B-26.18B3.06B-4.83B1.89B-7.93B
Cash from Investing-12.54B-13.72B15.22B-56.46B14.7B-11.29B-30.04B-7.45B1.57B
Purchase of Investments-64.56B-91.9B-89.02B-147.63B-72.26B-97.74B-100.92B-108.28B-70.1B
Sale/Maturity of Investments1000K1000K1000K1000K1000K1000K1000K1000K1000K
Net Investment Activity-64.56B-91.9B-89.02B-147.63B-72.26B-97.74B-100.92B-108.28B-70.1B
Acquisitions229M-3.86B20M3.94B-717M-549M895M0-2.64B
Other Investing-385M-1.89B17.45B-31.03B-15.63B24.43B-24.45B24.53B-807M
Cash from Financing-2.93B-2.87B-1.29B28.13B-2.78B-4.58B16.71B-8.84B-6.31B
Dividends Paid-3.8B-4.17B-4.44B-4.56B-4.6B-5.12B-5.42B-5.67B-5.88B
Share Repurchases-1.58B-1.33B-1.38B-679M-1.26B-3.37B00-895M
Stock Issued313M2.13B255M59M2.27B137M1.4B1.95B210M
Net Stock Activity-1.27B803M-1.12B-620M1.01B-3.24B1.4B1.95B-685M
Debt Issuance (Net)-1000K-1000K1000K-1000K-1000K1000K1000K-1000K-1000K
Other Financing29.59B41.07B63.5B33.45B1.91B-506M19.69B-3.26B-360M
Net Change in Cash
970M▲ 0%
1.17B▲ 20.8%
1.91B▲ 62.7%
219M▼ 88.5%
-1.43B▼ 753.0%
1.37B▲ 195.9%
-892M▼ 165.0%
-767M▲ 14.0%
850M▲ 210.8%
Exchange Rate Effect-1000K-1000K1000K-1000K-1000K1000K1000K-1000K1000K
Cash at Beginning6.86B7.83B9B10.9B11.12B9.69B11.06B10.17B9.41B
Cash at End7.83B9B10.9B11.12B9.69B11.06B10.17B9.41B10.26B
Interest Paid000000000
Income Taxes Paid000000000
Free Cash Flow
2.58B▲ 0%
17.39B▲ 574.0%
-12.21B▼ 170.2%
55.89B▲ 557.7%
-13.27B▼ 123.7%
16.37B▲ 223.4%
31.28B▲ 91.1%
15.16B▼ 51.5%
5.06B▼ 66.6%
FCF Growth %-31.19%573.96%-170.2%557.73%-123.74%223.39%91.07%-51.53%-66.63%

BNS Banking Ratios

The Bank of Nova Scotia (BNS) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
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 Margin1.59%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 / Assets6.45%6.73%6.78%6.46%6.2%6.15%5.54%5.58%5.95%6.07%
Book Value / Share47.1650.3955.0756.1156.7259.561.8865.3468.2471.15
NII Growth9.17%5.2%7.69%6.09%0.83%-2.07%6.8%0.95%5.28%11.79%
Dividend Payout50.56%47.43%48.81%52.94%67.26%47.84%51.61%73.17%67%68.93%

BNS Frequently Asked Questions

The Bank of Nova Scotia (BNS) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

The Bank of Nova Scotia (BNS) grew revenue by 148.2% over the past year. This is strong growth.

Yes, The Bank of Nova Scotia (BNS) is profitable, generating $7.79B in net income for fiscal year 2025 (10.6% net margin).

Dividend & Returns

Yes, The Bank of Nova Scotia (BNS) pays a dividend with a yield of 4.05%. This makes it attractive for income-focused investors.

The Bank of Nova Scotia (BNS) has a return on equity (ROE) of 9.0%. This is below average, suggesting room for improvement.

Industry Metrics

The Bank of Nova Scotia (BNS) has a net interest margin (NIM) of 1.5%. NIM has been under pressure due to interest rate environment.

The Bank of Nova Scotia (BNS) has an efficiency ratio of 29.9%. This is excellent, indicating strong cost control.

Explore More BNS

The Bank of Nova Scotia (BNS) financial analysis — history, returns, DCA and operating performance tools

Full BNS Stock Analysis

Analyst verdict, bull/bear case, risk factors and peer comparison

→

Total Return Calculator

Historical returns with dividends reinvested

→

DCA Calculator

Dollar cost averaging vs lump sum

→

Dividend History

Yield, growth, payout safety & DRIP

→

Earnings History

EPS trends, net income & profitability

→

Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

→
VCP ScannerFree US Stock Screener & Financial Analysis

Find stocks. Verify deeply. Act with conviction.

Patterns find ideas. Fundamentals build conviction.

Data updated daily

Quick Links

  • Home
  • Screener
  • Themes
  • Market Valuation
  • Valuation
  • Compare
  • Total Return
  • DCA Calculator
  • News
  • Insights
  • Methodology
  • How It Works
  • Profile

Popular Screens

  • VCP Hot
  • VCP Warm
  • Value Screens
  • Growth Screens
  • Momentum Screens
  • Technical Screens
  • Quality Screens

Community

  • Follow @VCPScanner on X

Get weekly stock ideas — free

© 2026 VCP Scanner. All rights reserved.
About·Privacy Policy·Terms of Service
Not financial advice. Do your own research.