(BNS) Bank of Nova Scotia - Ratings and Ratios
Exchange: NYSE •
Country: Canada •
Currency: USD •
Type: Common Stock •
ISIN: CA0641491075
Banking, Loans, Mortgages, Investments, Insurance
Dividends
| Dividend Yield | 4.31% |
| Yield on Cost 5y | 7.82% |
| Yield CAGR 5y | 4.12% |
| Payout Consistency | 93.9% |
| Payout Ratio | 60.3% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 17.9% |
| Value at Risk 5%th | 29.0% |
| Relative Tail Risk | -1.63% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.75 |
| Alpha | 30.05 |
| CAGR/Max DD | 0.81 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.495 |
| Beta | 0.397 |
| Beta Downside | 0.267 |
| Drawdowns 3y | |
|---|---|
| Max DD | 24.53% |
| Mean DD | 7.17% |
| Median DD | 7.63% |
Description: BNS Bank of Nova Scotia December 03, 2025
The Bank of Nova Scotia (NYSE:BNS) is a diversified Canadian bank with operations across North America, Latin America, the Caribbean, and select international markets. It serves retail and commercial customers through four segments-Canadian Banking, International Banking, Global Wealth Management, and Global Banking & Markets-offering a full suite of products from deposit accounts and credit cards to mortgages, business loans, trade finance, and wealth-management services.
As of its latest earnings release (Q3 2024), BNS reported a net income of CAD 3.2 billion and a Common Equity Tier 1 (CET1) ratio of 13.1%, comfortably above the regulatory minimum. The bank’s earnings are highly sensitive to the North American interest-rate environment and to commodity-linked activity in its Latin-American operations, both of which have shown volatility in 2024. Digital adoption continues to accelerate, with mobile-banking transactions now representing roughly 55% of total retail activity, a trend that could improve cost efficiency if sustained.
For a deeper, data-driven assessment of BNS’s valuation and risk profile, you may find the analytics on ValueRay worth exploring.
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) 55.06
| 1. Piotroski 3.0pt |
| 2. FCF Yield 4.50% |
| 3. FCF Margin 25.01% |
| 4. Debt/Equity 5.78 |
| 5. Debt/Ebitda 37.09 |
| 6. ROIC - WACC (= -0.66)% |
| 7. RoE 8.59% |
| 8. Rev. Trend 85.07% |
| 9. EPS Trend -54.32% |
What is the price of BNS shares?
As of December 08, 2025, the stock is trading at USD 71.70 with a total of 1,454,012 shares traded.
Over the past week, the price has changed by +3.48%, over one month by +9.47%, over three months by +14.41% and over the past year by +36.02%.
Over the past week, the price has changed by +3.48%, over one month by +9.47%, over three months by +14.41% and over the past year by +36.02%.
Is BNS a buy, sell or hold?
Bank of Nova Scotia has received a consensus analysts rating of 3.47.
Therefor, it is recommend to hold BNS.
- 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 | 63.8 | -11.1% |
| Analysts Target Price | 63.8 | -11.1% |
| ValueRay Target Price | 80.6 | 12.5% |
BNS Fundamental Data Overview December 03, 2025
Market Cap CAD = 118.30b (85.63b USD * 1.3815 USD.CAD)
P/E Trailing = 18.3342
P/E Forward = 12.0192
P/S = 2.7015
P/B = 1.5816
P/EG = 1.5706
Beta = 1.274
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 (from shortLongTermDebtTotal, last quarter)
Net Debt = 414.35b CAD (from netDebt column, last quarter)
Enterprise Value = 410.53b CAD (118.30b + Debt 484.05b - CCE 191.81b)
Interest Coverage Ratio = 0.25 (Ebit TTM 9.47b / Interest Expense TTM 37.85b)
FCF Yield = 4.50% (FCF TTM 18.47b / Enterprise Value 410.53b)
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)
Gross Margin QoQ = 46.16% (prev 41.97%)
Tobins Q-Ratio = 0.29 (Enterprise Value 410.53b / Total Assets 1414.69b)
Interest Expense / Debt = 1.78% (Interest Expense 8.63b / Debt 484.05b)
Taxrate = 24.70% (829.0m / 3.36b)
NOPAT = 7.13b (EBIT 9.47b * (1 - 24.70%))
Current Ratio = 0.19 (Total Current Assets 191.81b / Total Current Liabilities 1022.49b)
Debt / Equity = 5.78 (Debt 484.05b / totalStockholderEquity, last quarter 83.80b)
Debt / EBITDA = 37.09 (Net Debt 414.35b / EBITDA 11.17b)
Debt / FCF = 22.43 (Net Debt 414.35b / FCF TTM 18.47b)
Total Stockholder Equity = 83.97b (last 4 quarters mean from totalStockholderEquity)
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 / Capital Employed (Equity 83.97b + L.T.Debt 192.39b))
RoIC = 1.89% (NOPAT 7.13b / Invested Capital 377.22b)
WACC = 2.55% (E(118.30b)/V(602.35b) * Re(7.48%) + D(484.05b)/V(602.35b) * Rd(1.78%) * (1-Tc(0.25)))
Discount Rate = 7.48% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: 100.0 | Cagr: 1.39%
[DCF Debug] Terminal Value 76.38% ; FCFE base≈16.01b ; Y1≈14.19b ; Y5≈11.81b
Fair Price DCF = 172.4 (DCF Value 214.18b / Shares Outstanding 1.24b; 5y FCF grow -14.04% → 3.0% )
EPS Correlation: -54.32 | EPS CAGR: -3.46% | SUE: 0.79 | # QB: 0
Revenue Correlation: 85.07 | Revenue CAGR: 25.81% | SUE: 1.43 | # QB: 3
EPS next Quarter (2026-01-31): EPS=1.94 | Chg30d=+0.003 | Revisions Net=+0 | Analysts=6
EPS next Year (2026-10-31): EPS=7.96 | Chg30d=+0.051 | Revisions Net=+6 | Growth EPS=+13.8% | Growth Revenue=+3.7%
P/E Trailing = 18.3342
P/E Forward = 12.0192
P/S = 2.7015
P/B = 1.5816
P/EG = 1.5706
Beta = 1.274
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 (from shortLongTermDebtTotal, last quarter)
Net Debt = 414.35b CAD (from netDebt column, last quarter)
Enterprise Value = 410.53b CAD (118.30b + Debt 484.05b - CCE 191.81b)
Interest Coverage Ratio = 0.25 (Ebit TTM 9.47b / Interest Expense TTM 37.85b)
FCF Yield = 4.50% (FCF TTM 18.47b / Enterprise Value 410.53b)
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)
Gross Margin QoQ = 46.16% (prev 41.97%)
Tobins Q-Ratio = 0.29 (Enterprise Value 410.53b / Total Assets 1414.69b)
Interest Expense / Debt = 1.78% (Interest Expense 8.63b / Debt 484.05b)
Taxrate = 24.70% (829.0m / 3.36b)
NOPAT = 7.13b (EBIT 9.47b * (1 - 24.70%))
Current Ratio = 0.19 (Total Current Assets 191.81b / Total Current Liabilities 1022.49b)
Debt / Equity = 5.78 (Debt 484.05b / totalStockholderEquity, last quarter 83.80b)
Debt / EBITDA = 37.09 (Net Debt 414.35b / EBITDA 11.17b)
Debt / FCF = 22.43 (Net Debt 414.35b / FCF TTM 18.47b)
Total Stockholder Equity = 83.97b (last 4 quarters mean from totalStockholderEquity)
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 / Capital Employed (Equity 83.97b + L.T.Debt 192.39b))
RoIC = 1.89% (NOPAT 7.13b / Invested Capital 377.22b)
WACC = 2.55% (E(118.30b)/V(602.35b) * Re(7.48%) + D(484.05b)/V(602.35b) * Rd(1.78%) * (1-Tc(0.25)))
Discount Rate = 7.48% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: 100.0 | Cagr: 1.39%
[DCF Debug] Terminal Value 76.38% ; FCFE base≈16.01b ; Y1≈14.19b ; Y5≈11.81b
Fair Price DCF = 172.4 (DCF Value 214.18b / Shares Outstanding 1.24b; 5y FCF grow -14.04% → 3.0% )
EPS Correlation: -54.32 | EPS CAGR: -3.46% | SUE: 0.79 | # QB: 0
Revenue Correlation: 85.07 | Revenue CAGR: 25.81% | SUE: 1.43 | # QB: 3
EPS next Quarter (2026-01-31): EPS=1.94 | Chg30d=+0.003 | Revisions Net=+0 | Analysts=6
EPS next Year (2026-10-31): EPS=7.96 | Chg30d=+0.051 | Revisions Net=+6 | Growth EPS=+13.8% | Growth Revenue=+3.7%
Additional Sources for BNS Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle