BNS Fundamental Analysis - BANK OF NOVA SCOTIA

Fundamental Rating

Overall BNS gets a fundamental rating of 3 out of 10. We evaluated BNS against 393 industry peers in the Banks industry. BNS has a bad profitability rating. Also its financial health evaluation is rather negative. BNS is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year BNS was profitable.

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

Each year in the past 5 years BNS has been profitable.

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

1.2 Ratios

BNS has a Return On Assets of 0.43%. This is in the lower half of the industry: BNS underperforms 77.61% of its industry peers.

BNS has a Return On Equity of 7.23%. This is comparable to the rest of the industry: BNS outperforms 40.97% 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

BNS's Profit Margin of 17.38% is on the low side compared to the rest of the industry. BNS is outperformed by 69.47% of its industry peers.

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

The Operating Margin and Gross Margin are not available for BNS so they could not be analyzed.

		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.

BNS has more shares outstanding than it did 1 year ago.

Compared to 5 years ago, BNS has more shares outstanding

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.

BNS has a worse Debt to FCF ratio (10.52) than 78.12% of its industry peers.

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 91.86% of its industry peers.

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

ROIC/WACCN/A

WACC14.08%

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 strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.25%, which is quite good.

Measured over the past years, BNS shows a decrease in Earnings Per Share. The EPS has been decreasing by -1.98% on average per year.

Looking at the last year, BNS shows a small growth in Revenue. The Revenue has grown by 4.52% in the last year.

Measured over the past years, BNS shows a small growth in Revenue. The Revenue has been growing by 1.64% on average per year.

EPS 1Y (TTM)9.25%

EPS 3Y-6.4%

EPS 5Y-1.98%

EPS Q2Q%15.34%

Revenue 1Y (TTM)4.52%

Revenue growth 3Y2.52%

Revenue growth 5Y1.64%

Sales Q2Q%13.41%

3.2 Future

BNS is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.46% yearly.

The Revenue is expected to grow by 3.47% on average over the next years.

EPS Next Y5.73%

EPS Next 2Y9.68%

EPS Next 3Y10.46%

EPS Next 5YN/A

Revenue Next Year9.67%

Revenue Next 2Y6.45%

Revenue Next 3Y5.59%

Revenue Next 5Y3.47%

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 12.84, BNS is valued correctly.

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 (27.17), we can say BNS is valued rather cheaply.

BNS is valuated reasonably with a Price/Forward Earnings ratio of 11.10.

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

BNS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.78.

		Industry Rank	Sector Rank
PE	12.84
Fwd PE	11.1

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	5.08
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates BNS does not grow enough to justify the current Price/Earnings ratio.

PEG (NY)2.24

PEG (5Y)N/A

EPS Next 2Y9.68%

EPS Next 3Y10.46%

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5. Dividend

5.1 Amount

BNS has a Yearly Dividend Yield of 5.18%, which is a nice return.

Compared to an average industry Dividend Yield of 3.30, BNS pays a better dividend. On top of this BNS pays more dividend than 89.82% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.34, BNS pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.18%

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 2Y9.68%

EPS Next 3Y10.46%

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BANK OF NOVA SCOTIA

NYSE:BNS (8/28/2025, 8:04:00 PM)

After market: 62.5 +0.11 (+0.18%)

62.39

+0.66 (+1.07%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)12-02 2025-12-02/amc

Inst Owners51.31%

Inst Owner Change4.96%

Ins Owners0.01%

Ins Owner ChangeN/A

Market Cap77.57B

Analysts66.32

Price Target60.43 (-3.14%)

Short Float %1.76%

Short Ratio10.73

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.18%

Yearly Dividend3.33

Dividend Growth(5Y)4.87%

DP93.68%

Div Incr Years0

Div Non Decr Years0

Ex-Date10-07 2025-10-07 (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)4.59%

PT rev (3m)7.65%

EPS NQ rev (1m)0.4%

EPS NQ rev (3m)-3.69%

EPS NY rev (1m)-2.96%

EPS NY rev (3m)-2.96%

Revenue NQ rev (1m)0.29%

Revenue NQ rev (3m)1.17%

Revenue NY rev (1m)0.82%

Revenue NY rev (3m)0.82%

Valuation

		Industry Rank	Sector Rank
PE	12.84
Fwd PE	11.1
P/S	3.04
P/FCF	5.08
P/OCF	4.99
P/B	1.27
P/tB	1.56
EV/EBITDA	N/A

EPS(TTM)4.86

EY7.79%

EPS(NY)5.62

Fwd EY9.01%

FCF(TTM)12.27

FCFY19.67%

OCF(TTM)12.5

OCFY20.03%

SpS20.52

BVpS49.32

TBVpS39.97

PEG (NY)2.24

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

WACC14.08%

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)9.25%

EPS 3Y-6.4%

EPS 5Y-1.98%

EPS Q2Q%15.34%

EPS Next Y5.73%

EPS Next 2Y9.68%

EPS Next 3Y10.46%

EPS Next 5YN/A

Revenue 1Y (TTM)4.52%

Revenue growth 3Y2.52%

Revenue growth 5Y1.64%

Sales Q2Q%13.41%

Revenue Next Year9.67%

Revenue Next 2Y6.45%

Revenue Next 3Y5.59%

Revenue Next 5Y3.47%

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

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