(BNS) Bank of Nova Scotia - Ratings and Ratios
Loans, Mortgages, Credit Cards, Investments, Insurance, Accounts
BNS EPS (Earnings per Share)
BNS Revenue
Description: BNS Bank of Nova Scotia
The Bank of Nova Scotia is a diversified banking institution with a presence in multiple regions, including Canada, the United States, and several countries in Latin America and the Caribbean. Its diversified business model spans various segments, including Canadian Banking, International Banking, Global Wealth Management, and Global Banking and Markets, allowing it to offer a broad range of financial products and services to individuals and businesses.
Key aspects of its business include providing financial advice and solutions, banking products such as debit and credit cards, chequing and saving accounts, investments, mortgages, loans, and insurance. It also caters to businesses with solutions like lending, deposit, cash management, and trade finance. Additionally, the bank offers wealth management services, including online brokerage, mobile investment, full-service brokerage, and private banking. This diversified product and service offering positions the bank to capture various revenue streams across different customer segments.
From a financial perspective, the banks performance can be evaluated using key performance indicators (KPIs) such as Return on Equity (RoE), which is currently at 7.96%. This indicates the banks ability to generate profits from shareholders equity. Other relevant KPIs include the banks dividend yield and payout ratio, which are important for income investors. The banks Price-to-Earnings (P/E) ratio of 15.67 and forward P/E of 9.87 suggest its valuation relative to earnings and future earnings expectations. The banks market capitalization stands at approximately $68.45 billion USD, indicating its size and market presence.
Further analysis could involve examining the banks efficiency ratios, such as its operating efficiency and cost-to-income ratio, to understand its ability to manage costs and generate revenue. Additionally, asset quality metrics, including non-performing loan ratios and provisioning coverage, would provide insights into the banks credit risk management and asset quality. The banks capital adequacy ratio is another crucial metric, indicating its capital strength and ability to absorb potential losses.
BNS Stock Overview
| Market Cap in USD | 79,009m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 1999-09-13 |
BNS Stock Ratings
| Growth Rating | 53.0% |
| Fundamental | 56.1% |
| Dividend Rating | 77.9% |
| Return 12m vs S&P 500 | 10.1% |
| Analyst Rating | 3.47 of 5 |
BNS Dividends
| Dividend Yield 12m | 6.67% |
| Yield on Cost 5y | 12.58% |
| Annual Growth 5y | 3.28% |
| Payout Consistency | 94.6% |
| Payout Ratio | 45.7% |
BNS Growth Ratios
| Growth Correlation 3m | 95.3% |
| Growth Correlation 12m | 45.6% |
| Growth Correlation 5y | 11.8% |
| CAGR 5y | 14.48% |
| CAGR/Max DD 3y | 0.59 |
| CAGR/Mean DD 3y | 1.82 |
| Sharpe Ratio 12m | 1.08 |
| Alpha | 0.00 |
| Beta | 0.983 |
| Volatility | 13.40% |
| Current Volume | 1645.8k |
| Average Volume 20d | 1988.4k |
| Stop Loss | 62.7 (-3%) |
| Signal | 0.32 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (7.21b TTM) > 0 and > 6% of Revenue (6% = 4.43b TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA 0.43pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1125 % (prev 122.7%; Δ -1247 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 18.79b > Net Income 7.21b (YES >=105%, WARN >=100%) |
| Net Debt (414.35b) to EBITDA (11.17b) ratio: 37.09 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.19 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (1.25b) change vs 12m ago 0.81% (target <= -2.0% for YES) |
| Gross Margin 42.48% (prev 13.72%; Δ 28.76pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 5.24% (prev 3.86%; Δ 1.38pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.25 (EBITDA TTM 11.17b / Interest Expense TTM 37.85b) >= 6 (WARN >= 3) |
Altman Z'' -3.61
| (A) -0.59 = (Total Current Assets 191.81b - Total Current Liabilities 1022.49b) / Total Assets 1414.69b |
| (B) 0.04 = Retained Earnings (Balance) 58.70b / Total Assets 1414.69b |
| (C) 0.01 = EBIT TTM 9.47b / Avg Total Assets 1408.53b |
| (D) 0.06 = Book Value of Equity 75.26b / Total Liabilities 1329.20b |
| Total Rating: -3.61 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 56.06
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield 4.61% = 2.30 |
| 3. FCF Margin 25.01% = 6.25 |
| 4. Debt/Equity 5.78 = -2.50 |
| 5. Debt/Ebitda 43.33 = -2.50 |
| 6. ROIC - WACC (= -0.93)% = -1.16 |
| 7. RoE 8.59% = 0.72 |
| 8. Rev. Trend 87.11% = 6.53 |
| 9. EPS Trend -31.61% = -1.58 |
What is the price of BNS shares?
Over the past week, the price has changed by +1.19%, over one month by +13.68%, over three months by +20.56% and over the past year by +30.44%.
Is Bank of Nova Scotia a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of BNS is around 67.30 USD . This means that BNS is currently overvalued and has a potential downside of 4.12%.
Is BNS a buy, sell or hold?
- Strong Buy: 4
- Buy: 0
- Hold: 10
- Sell: 1
- Strong Sell: 0
What are the forecasts/targets for the BNS price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 60.5 | -6.5% |
| Analysts Target Price | 60.5 | -6.5% |
| ValueRay Target Price | 71.3 | 10.3% |
Last update: 2025-09-09 02:43
BNS Fundamental Data Overview
CCE Cash And Equivalents = 191.81b CAD (Cash And Short Term Investments, last quarter)
P/E Trailing = 16.7388
P/E Forward = 11.1359
P/S = 2.4926
P/B = 1.4448
P/EG = 1.5706
Beta = 1.264
Revenue TTM = 73.86b CAD
EBIT TTM = 9.47b CAD
EBITDA TTM = 11.17b CAD
Long Term Debt = 192.39b CAD (from longTermDebt, last quarter)
Short Term Debt = 291.66b CAD (from shortTermDebt, last quarter)
Debt = 484.05b CAD (Calculated: Short Term 291.66b + Long Term 192.39b)
Net Debt = 414.35b CAD (from netDebt column, last quarter)
Enterprise Value = 401.07b CAD (108.84b + Debt 484.05b - CCE 191.81b)
Interest Coverage Ratio = 0.25 (Ebit TTM 9.47b / Interest Expense TTM 37.85b)
FCF Yield = 4.61% (FCF TTM 18.47b / Enterprise Value 401.07b)
FCF Margin = 25.01% (FCF TTM 18.47b / Revenue TTM 73.86b)
Net Margin = 9.76% (Net Income TTM 7.21b / Revenue TTM 73.86b)
Gross Margin = 42.48% ((Revenue TTM 73.86b - Cost of Revenue TTM 42.48b) / Revenue TTM)
Tobins Q-Ratio = 5.33 (Enterprise Value 401.07b / Book Value Of Equity 75.26b)
Interest Expense / Debt = 1.78% (Interest Expense 8.63b / Debt 484.05b)
Taxrate = 20.48% (2.03b / 9.92b)
NOPAT = 7.53b (EBIT 9.47b * (1 - 20.48%))
Current Ratio = 0.19 (Total Current Assets 191.81b / Total Current Liabilities 1022.49b)
Debt / Equity = 5.78 (Debt 484.05b / last Quarter total Stockholder Equity 83.80b)
Debt / EBITDA = 43.33 (Net Debt 414.35b / EBITDA 11.17b)
Debt / FCF = 26.21 (Debt 484.05b / FCF TTM 18.47b)
Total Stockholder Equity = 83.97b (last 4 quarters mean)
RoA = 0.51% (Net Income 7.21b, Total Assets 1414.69b )
RoE = 8.59% (Net Income TTM 7.21b / Total Stockholder Equity 83.97b)
RoCE = 3.43% (Ebit 9.47b / (Equity 83.97b + L.T.Debt 192.39b))
RoIC = 2.00% (NOPAT 7.53b / Invested Capital 377.22b)
WACC = 2.93% (E(108.84b)/V(592.88b) * Re(9.64%)) + (D(484.05b)/V(592.88b) * Rd(1.78%) * (1-Tc(0.20)))
Shares Correlation 3-Years: 80.01 | Cagr: 0.34%
Discount Rate = 9.64% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 70.41% ; FCFE base≈16.01b ; Y1≈14.19b ; Y5≈11.81b
Fair Price DCF = 132.2 (DCF Value 164.26b / Shares Outstanding 1.24b; 5y FCF grow -14.04% → 3.0% )
EPS Correlation: -31.61 | EPS CAGR: -4.02% | SUE: 0.61 | # QB: 0
Revenue Correlation: 87.11 | Revenue CAGR: 36.85% | SUE: 1.55 | # QB: 3
Additional Sources for BNS Stock
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