(BNS) Bank of Nova Scotia - Overview
Sector: Financial Services | Industry: Banks - Diversified | Exchange: NYSE (USA) | Market Cap: 90.211m USD | Total Return: 66.9% in 12m
Banking, Loans, Mortgages, Investments, Insurance
Total Rating 43
Safety 49
Buy Signal 0.46
Banks - Diversified
Industry Rotation: +10.4
Industry Rotation: +10.4
Market Cap:
90.2B
Avg Turnover: 155M USD
Avg Turnover: 155M USD
ATR:
1.82%
Peers RS (IBD): 52.8
Peers RS (IBD): 52.8
Risk 5d forecast
Volatility16.9%
Rel. Tail Risk0.09%
Reward TTM
Sharpe Ratio3.20
Alpha50.28
Character TTM
Beta0.589
Beta Downside0.625
Drawdowns 3y
Max DD20.32%
CAGR/Max DD0.99
EPS (Earnings per Share)
EPS CAGR: -1.63%
EPS Trend: -15.4%
EPS Trend: -15.4%
Last SUE: 1.54
Qual. Beats: 1
Qual. Beats: 1
Revenue
Rev. CAGR: 23.27%
Rev. Trend: 86.2%
Rev. Trend: 86.2%
Last SUE: 0.65
Qual. Beats: 0
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Description: BNS Bank of Nova Scotia
The Bank of Nova Scotia (BNS) is a diversified Canadian bank operating across North America, Latin America, the Caribbean and internationally. Its business is organized into four segments-Canadian Banking, International Banking, Global Wealth Management, and Global Banking & Markets-offering a full suite of retail, commercial, and wealth-management products, from deposit accounts and credit cards to corporate lending, trade finance, and investment advisory services.
In its latest quarter (Q3 2025), BNS reported net income of $5.2 billion, a return on equity of 13.5%, and a CET1 capital ratio of 13.1%, underscoring strong profitability and balance-sheet resilience. The bank’s loan portfolio grew 4% year-over-year, driven by higher interest-rate spreads in Canada and expanding credit demand in its U.S. and Latin-American operations. Dividend yield remains attractive at roughly 5.2%, reflecting the sector’s emphasis on shareholder returns amid a stable regulatory environment.
For a deeper quantitative view, you might explore ValueRay’s analytics.
- Canadian mortgage growth drives domestic revenue
- International banking expansion boosts emerging market profits
- Interest rate fluctuations impact net interest margin
- Global economic slowdown threatens loan demand
- Regulatory changes increase compliance costs
Piotroski VR‑10 (Strict)
2.5
| Net Income: 8.93b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.01 > 0.02 and ΔFCF/TA -1.81 > 1.0 |
| NWC/Revenue: -288.1% < 20% (prev -1.11k%; Δ 824.5% < -1%) |
| CFO/TA -0.01 > 3% & CFO -8.40b > Net Income 8.93b |
| Net Debt (247.33b) to EBITDA (13.36b): 18.51 < 3 |
| Current Ratio: 0.04 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.25b) vs 12m ago -0.40% < -2% |
| Gross Margin: 45.66% > 18% (prev 0.40%; Δ 4.53k% > 0.5%) |
| Asset Turnover: 4.89% > 50% (prev 5.27%; Δ -0.38% > 0%) |
| Interest Coverage Ratio: 0.35 > 6 (EBITDA TTM 13.36b / Interest Expense TTM 34.03b) |
Altman Z''
-0.67
| A: -0.14 (Total Current Assets 8.75b - Total Current Liabilities 214.29b) / Total Assets 1478.30b |
| B: 0.04 (Retained Earnings 59.39b / Total Assets 1478.30b) |
| C: 0.01 (EBIT TTM 11.78b / Avg Total Assets 1458.73b) |
| D: 0.06 (Book Value of Equity 77.77b / Total Liabilities 1389.14b) |
| Altman-Z'' Score: -0.67 = B |
Beneish M
-2.91
| DSRI: 1.21 (Receivables 14.96b/13.09b, Revenue 71.33b/75.79b) |
| GMI: 0.87 (GM 45.66% / 39.57%) |
| AQI: 1.15 (AQ_t 0.99 / AQ_t-1 0.86) |
| SGI: 0.94 (Revenue 71.33b / 75.79b) |
| TATA: 0.01 (NI 8.93b - CFO -8.40b) / TA 1478.30b) |
| Beneish M-Score: -2.91 (Cap -4..+1) = A |
What is the price of BNS shares?
As of April 16, 2026, the stock is trading at USD 74.48 with a total of 1,101,602 shares traded.
Over the past week, the price has changed by +6.55%, over one month by +7.61%, over three months by +3.22% and over the past year by +66.88%.
Over the past week, the price has changed by +6.55%, over one month by +7.61%, over three months by +3.22% and over the past year by +66.88%.
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.
- StrongBuy: 4
- Buy: 0
- Hold: 10
- Sell: 1
- StrongSell: 0
What are the forecasts/targets for the BNS price?
| Analysts Target Price | 75.9 | 1.9% |
Bank of Nova Scotia (BNS) - Fundamental Data Overview
as of 12 April 2026
Market Cap CAD = 124.36b (90.21b USD * 1.3785 USD.CAD)P/E Trailing = 15.0021
P/E Forward = 12.4844
P/S = 2.7129
P/B = 1.6017
P/EG = 1.0957
Revenue TTM = 71.33b CAD
EBIT TTM = 11.78b CAD
EBITDA TTM = 13.36b CAD
Long Term Debt = 195.89b CAD (from longTermDebt, last quarter)
Short Term Debt = 214.29b CAD (from shortTermDebt, last quarter)
Debt = 256.08b CAD (from shortLongTermDebtTotal, last quarter)
Net Debt = 247.33b CAD (from netDebt column, last quarter)
Enterprise Value = 371.69b CAD (124.36b + Debt 256.08b - CCE 8.75b)
Interest Coverage Ratio = 0.35 (Ebit TTM 11.78b / Interest Expense TTM 34.03b)
EV/FCF = -41.45x (Enterprise Value 371.69b / FCF TTM -8.97b)
FCF Yield = -2.41% (FCF TTM -8.97b / Enterprise Value 371.69b)
FCF Margin = -12.57% (FCF TTM -8.97b / Revenue TTM 71.33b)
Net Margin = 12.52% (Net Income TTM 8.93b / Revenue TTM 71.33b)
Gross Margin = 45.66% ((Revenue TTM 71.33b - Cost of Revenue TTM 38.76b) / Revenue TTM)
Gross Margin QoQ = 48.10% (prev 46.50%)
Tobins Q-Ratio = 0.25 (Enterprise Value 371.69b / Total Assets 1478.30b)
Interest Expense / Debt = 3.03% (Interest Expense 7.76b / Debt 256.08b)
Taxrate = 29.20% (872.0m / 2.99b)
NOPAT = 8.34b (EBIT 11.78b * (1 - 29.20%))
Current Ratio = 0.04 (Total Current Assets 8.75b / Total Current Liabilities 214.29b)
Debt / Equity = 2.92 (Debt 256.08b / totalStockholderEquity, last quarter 87.73b)
Debt / EBITDA = 18.51 (Net Debt 247.33b / EBITDA 13.36b)
Debt / FCF = -27.58 (negative FCF - burning cash) (Net Debt 247.33b / FCF TTM -8.97b)
Total Stockholder Equity = 85.83b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.61% (Net Income 8.93b / Total Assets 1478.30b)
RoE = 10.41% (Net Income TTM 8.93b / Total Stockholder Equity 85.83b)
RoCE = 4.18% (EBIT 11.78b / Capital Employed (Equity 85.83b + L.T.Debt 195.89b))
RoIC = 2.17% (NOPAT 8.34b / Invested Capital 385.06b)
WACC = 4.08% (E(124.36b)/V(380.43b) * Re(8.05%) + D(256.08b)/V(380.43b) * Rd(3.03%) * (1-Tc(0.29)))
Discount Rate = 8.05% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 1.81%
[DCF] Fair Price = unknown (Cash Flow -8.97b)
EPS Correlation: -15.43 | EPS CAGR: -1.63% | SUE: 1.54 | # QB: 1
Revenue Correlation: 86.18 | Revenue CAGR: 23.27% | SUE: 0.65 | # QB: 0
EPS next Quarter (2026-07-31): EPS=2.08 | Chg7d=+0.000 | Chg30d=+0.005 | Revisions Net=+3 | Analysts=11
EPS current Year (2026-10-31): EPS=8.19 | Chg7d=+0.000 | Chg30d=+0.147 | Revisions Net=+10 | Growth EPS=+15.5% | Growth Revenue=+4.0%
EPS next Year (2027-10-31): EPS=9.16 | Chg7d=+0.000 | Chg30d=+0.078 | Revisions Net=+6 | Growth EPS=+11.9% | Growth Revenue=+4.6%
[Analyst] Revisions Ratio: +0.33 (6 Up / 3 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 1.4% (Discount Rate 8.1% - Earnings Yield 6.7%)
[Growth] Growth Spread = +3.3% (Analyst 4.7% - Implied 1.4%)
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