BNS Fundamental Analysis - BANK OF NOVA SCOTIA

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to BNS. BNS was compared to 393 industry peers in the Banks industry. BNS may be in some trouble as it scores bad on both profitability and health. BNS has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

BNS had positive earnings in the past year.

In the past year BNS had a positive cash flow from operations.

In the past 5 years BNS has always been profitable.

Of the past 5 years BNS 4 years had a positive operating cash flow.

1.2 Ratios

BNS has a worse Return On Assets (0.43%) than 78.63% of its industry peers.

BNS has a Return On Equity of 7.23%. This is comparable to the rest of the industry: BNS outperforms 40.71% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.43%
ROE	7.23%
ROIC	N/A

ROA(3y)0.57%

ROA(5y)0.62%

ROE(3y)10.35%

ROE(5y)10.79%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 17.38%, BNS is doing worse than 69.97% of the companies in the same industry.

BNS's Profit Margin has declined in the last couple of years.

BNS does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	17.38%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-10.37%

PM growth 5Y-3.93%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

BNS does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for BNS has been increased compared to 1 year ago.

The number of shares outstanding for BNS has been increased compared to 5 years ago.

BNS has a worse debt/assets ratio than last year.

2.2 Solvency

BNS has a debt to FCF ratio of 10.52. This is a negative value and a sign of low solvency as BNS would need 10.52 years to pay back of all of its debts.

Looking at the Debt to FCF ratio, with a value of 10.52, BNS is doing worse than 79.90% of the companies in the same industry.

A Debt/Equity ratio of 2.60 is on the high side and indicates that BNS has dependencies on debt financing.

The Debt to Equity ratio of BNS (2.60) is worse than 92.88% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.6
Debt/FCF	10.52
Altman-Z	N/A

ROIC/WACCN/A

WACC14.01%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

BNS shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.51%.

BNS shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.98% yearly.

The Revenue has been growing slightly by 6.52% in the past year.

BNS shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.64% yearly.

EPS 1Y (TTM)3.51%

EPS 3Y-6.4%

EPS 5Y-1.98%

EPS Q2Q%-3.8%

Revenue 1Y (TTM)6.52%

Revenue growth 3Y2.52%

Revenue growth 5Y1.64%

Sales Q2Q%8.78%

3.2 Future

The Earnings Per Share is expected to grow by 8.36% on average over the next years. This is quite good.

Based on estimates for the next years, BNS will show a small growth in Revenue. The Revenue will grow by 3.37% on average per year.

EPS Next Y8.96%

EPS Next 2Y11.03%

EPS Next 3Y8.36%

EPS Next 5YN/A

Revenue Next Year8.78%

Revenue Next 2Y6.43%

Revenue Next 3Y5.07%

Revenue Next 5Y3.37%

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 11.91, the valuation of BNS can be described as very reasonable.

The rest of the industry has a similar Price/Earnings ratio as BNS.

When comparing the Price/Earnings ratio of BNS to the average of the S&P500 Index (27.61), we can say BNS is valued rather cheaply.

With a Price/Forward Earnings ratio of 9.68, the valuation of BNS can be described as very reasonable.

BNS's Price/Forward Earnings is on the same level as the industry average.

BNS is valuated cheaply when we compare the Price/Forward Earnings ratio to 37.13, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	11.91
Fwd PE	9.68

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BNS is valued cheaper than 92.62% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	4.54
EV/EBITDA	N/A

4.3 Compensation for Growth

BNS's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.33

PEG (5Y)N/A

EPS Next 2Y11.03%

EPS Next 3Y8.36%

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5. Dividend

5.1 Amount

BNS has a Yearly Dividend Yield of 5.69%, which is a nice return.

Compared to an average industry Dividend Yield of 3.36, BNS pays a better dividend. On top of this BNS pays more dividend than 92.11% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.32, BNS pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.69%

5.2 History

The dividend of BNS has a limited annual growth rate of 4.87%.

BNS has paid a dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)4.87%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

BNS pays out 93.68% of its income as dividend. This is not a sustainable payout ratio.

BNS's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP93.68%

EPS Next 2Y11.03%

EPS Next 3Y8.36%

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BANK OF NOVA SCOTIA

NYSE:BNS (7/30/2025, 8:04:00 PM)

After market: 56 0 (0%)

+0.05 (+0.09%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)05-27 2025-05-27/bmo

Earnings (Next)08-26 2025-08-26/bmo

Inst Owners51.31%

Inst Owner Change-0.16%

Ins Owners0.01%

Ins Owner ChangeN/A

Market Cap69.63B

Analysts66.32

Price Target57.78 (3.18%)

Short Float %2.17%

Short Ratio12.47

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.69%

Yearly Dividend3.37

Dividend Growth(5Y)4.87%

DP93.68%

Div Incr Years0

Div Non Decr Years0

Ex-Date07-02 2025-07-02 (1.1)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)0.98%

Min EPS beat(2)-3.49%

Max EPS beat(2)5.44%

EPS beat(4)1

Avg EPS beat(4)-0.32%

Min EPS beat(4)-3.49%

Max EPS beat(4)5.44%

EPS beat(8)3

Avg EPS beat(8)-2.87%

EPS beat(12)4

Avg EPS beat(12)-3.1%

EPS beat(16)8

Avg EPS beat(16)-0.56%

Revenue beat(2)1

Avg Revenue beat(2)2.24%

Min Revenue beat(2)-0.29%

Max Revenue beat(2)4.76%

Revenue beat(4)1

Avg Revenue beat(4)0.01%

Min Revenue beat(4)-2.72%

Max Revenue beat(4)4.76%

Revenue beat(8)2

Avg Revenue beat(8)-0.12%

Revenue beat(12)2

Avg Revenue beat(12)-1.64%

Revenue beat(16)3

Avg Revenue beat(16)-1.38%

PT rev (1m)0.36%

PT rev (3m)2.01%

EPS NQ rev (1m)-4.07%

EPS NQ rev (3m)-4.07%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)0.88%

Revenue NQ rev (3m)0.88%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.06%

Valuation

		Industry Rank	Sector Rank
PE	11.91
Fwd PE	9.68
P/S	2.72
P/FCF	4.54
P/OCF	4.46
P/B	1.13
P/tB	1.4
EV/EBITDA	N/A

EPS(TTM)4.7

EY8.39%

EPS(NY)5.78

Fwd EY10.33%

FCF(TTM)12.32

FCFY22.01%

OCF(TTM)12.55

OCFY22.41%

SpS20.61

BVpS49.51

TBVpS40.13

PEG (NY)1.33

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.43%
ROE	7.23%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	17.38%
GM	N/A
FCFM	59.8%

ROA(3y)0.57%

ROA(5y)0.62%

ROE(3y)10.35%

ROE(5y)10.79%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-10.37%

PM growth 5Y-3.93%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	2.6
Debt/FCF	10.52
Debt/EBITDA	N/A
Cap/Depr	22.2%
Cap/Sales	1.08%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	344.05%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC14.01%

ROIC/WACCN/A

Cap/Depr(3y)29.79%

Cap/Depr(5y)33.96%

Cap/Sales(3y)1.55%

Cap/Sales(5y)1.72%

Profit Quality(3y)276.59%

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)3.51%

EPS 3Y-6.4%

EPS 5Y-1.98%

EPS Q2Q%-3.8%

EPS Next Y8.96%

EPS Next 2Y11.03%

EPS Next 3Y8.36%

EPS Next 5YN/A

Revenue 1Y (TTM)6.52%

Revenue growth 3Y2.52%

Revenue growth 5Y1.64%

Sales Q2Q%8.78%

Revenue Next Year8.78%

Revenue Next 2Y6.43%

Revenue Next 3Y5.07%

Revenue Next 5Y3.37%

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y332.71%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y349.14%

OCF growth 3YN/A

OCF growth 5YN/A

BANK OF NOVA SCOTIA (BNS) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens