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Bank of Nova Scotia BNS

US equityMarket cap rank #139Banks - Diversified
$92.01
−$0.24 (-0.26%)
Market open · Sep 24, 2:00 pm ET
After hours $95.58 +3.61%
Open$91.89
Prev close$92.25
Day range$91.42 – $92.53
Volume405.6K
Market cap$111.96B
P/E (TTM)17.0
Dividend yield3.44%

Fundamentals

Latest reported quarter: Q3, ended Jul 2026 · reported in CAD

RevenueC$10.31B+10.5% YoY
Net profitC$2.95B+16.9% YoY
Diluted EPSC$2.27+23.4% YoY
Free cash flow-C$16.93B-492.5% YoY
Operating cash flow-C$16.81B

Revenue, last 8 quarters

C$8.5BOct '24C$9.3BJan '25C$8.9BApr '25C$9.3BJul '25C$9.6BOct '25C$9.9BJan '26C$9.6BApr '26C$10.3BJul '26

Net profit, last 8 quarters

C$1.7BOct '24C$993.0MJan '25C$2.0BApr '25C$2.5BJul '25C$2.2BOct '25C$2.3BJan '26C$2.6BApr '26C$3.0BJul '26

Diluted EPS by quarter

1.21Oct '240.66Jan '251.48Apr '251.84Jul '251.65Oct '251.73Jan '262.00Apr '262.27Jul '26

Free cash flow by quarter

C$7.1BOct '24C$4.7BJan '25C$2.4BApr '25C$4.3BJul '25C$-6.3BOct '25C$12.6BJan '26C$17.0BApr '26C$-16.9BJul '26

Annual revenue

C$31.1BFY20C$30.9BFY21C$31.5BFY22C$31.7BFY23C$33.6BFY24C$37.1BFY25

Profitability & balance sheet

Net margin24.1%
Return on equity12.3%
Return on assets0.6%
Liabilities / assets94.1%
Cash & investmentsC$62.46B
Total debtC$349.31B
Net cash (debt)-C$286.85B
Free cash flow / sales16.1%

Where the revenue comes from

Quarter 2026/Q3

By business line

  • Canadian BankingC$3.65B 34.6%
  • International bankingC$2.95B 28.0%
  • Global Banking and MarketsC$2.01B 19.1%
  • Global Wealth ManagementC$1.90B 18.0%
  • OtherC$30.00M 0.3%

This company reports in its own local currency, not U.S. dollars. Every figure below is labeled with its real currency, not automatically converted.

Income statement

Line item 2026 Q3
(CAD)
2026 Q2
(CAD)
2026 Q1
(CAD)
2025 ANNUAL
(CAD)
2025 Q4
(CAD)
Total Revenue as Reported C$10.54B C$9.84B C$9.65B C$37.74B C$9.80B
Total Operating Revenue C$10.31B C$9.62B C$9.88B C$37.10B C$9.58B
Net Interest Income C$5.87B C$5.52B C$5.58B C$21.52B C$5.59B
-Interest Income C$14.03B C$13.10B C$13.33B C$57.60B C$14.22B
-Interest Expense C$8.16B C$7.57B C$7.75B C$36.08B C$8.63B
Non-Interest Income C$4.45B C$4.09B C$4.30B C$15.58B C$3.99B
-Total Premiums Earned C$141.00M C$135.00M C$122.00M C$485.00M C$120.00M
-Fees and Commissions C$3.33B C$3.06B C$3.17B C$11.90B C$3.09B
-Trading Gain Loss C$468.00M C$439.00M C$703.00M C$1.98B C$461.00M
-Investment Banking Profit C$430.00M C$229.00M C$250.00M C$964.00M C$261.00M
-Other Non-Interest Income C$63.00M C$215.00M C$39.00M C$170.00M C$50.00M
-Gain Loss on Sale of Assets C$13.00M C$14.00M C$19.00M C$71.00M C$11.00M
Credit Losses Provision -C$1.08B -C$1.22B -C$1.18B -C$4.71B -C$1.11B
Non-Interest Expense C$5.56B C$5.19B C$5.29B C$20.65B C$5.32B
Occupancy and Equipment C$882.00M C$835.00M C$799.00M C$3.30B C$876.00M
Professional Expense and Contract Services Expense C$199.00M C$177.00M C$159.00M C$880.00M C$234.00M
Selling and Admin Expenses C$3.25B C$2.96B C$3.13B C$11.50B C$3.00B
-Selling & Marketing Expense C$201.00M C$179.00M C$185.00M C$672.00M C$188.00M
-General & Admin Expense C$3.05B C$2.78B C$2.94B C$10.82B C$2.81B
Depreciation & Amortization & Depletion C$398.00M C$410.00M C$385.00M C$1.60B C$403.00M
-Depreciation & Amortization C$398.00M C$410.00M C$385.00M C$1.60B C$403.00M
Other Non-Interest Expenses C$827.00M C$809.00M C$819.00M C$3.37B C$811.00M
Other Income (Expense) C$222.00M C$222.00M -C$245.00M -C$1.23B -C$280.00M
Income from Associates & Other Participating Interests C$222.00M C$222.00M C$189.00M C$608.00M C$179.00M
Special Income (Charges) C$0.00 C$0.00 -C$434.00M -C$1.83B -C$459.00M
-Gain on Sale of Business C$0.00 C$0.00 -C$434.00M -C$1.39B -C$12.00M
Pretax Profit C$3.90B C$3.43B C$3.17B C$10.51B C$2.86B
Tax C$947.00M C$799.00M C$872.00M C$2.75B C$656.00M
Net Profit C$2.95B C$2.63B C$2.30B C$7.76B C$2.21B
Profit from Continuing Operations C$2.95B C$2.63B C$2.30B C$7.76B C$2.21B
Minority Interests C$45.00M C$37.00M C$12.00M -C$31.00M -C$13.00M
Net Income to Parent Company C$2.91B C$2.60B C$2.29B C$7.79B C$2.22B
Preferred Stock Dividends C$130.00M C$127.00M C$132.00M C$506.00M C$115.00M
Net Income to Common Stockholders C$2.78B C$2.47B C$2.16B C$7.26B C$2.10B
Basic EPS C$2.27 C$2.01 C$1.75 C$5.84 C$1.70
Diluted EPS C$2.27 C$2.00 C$1.73 C$5.67 C$1.65
Dividend Per Share C$1.14 C$1.10 C$1.10 C$4.32 C$1.10
-Less:Restructuring and Mergern & Acquisition – – C$0.00 C$373.00M –
-Less:Impairment of Capital Assets – – – C$0.00 –
-Less:Other Special Charges – – – C$74.00M –
-Less:Write Off – – – C$0.00 –
Other Preferred Stock Dividends – – – C$22.00M C$0.00

Balance sheet

Line item 2026 Q3
(CAD)
2026 Q2
(CAD)
2026 Q1
(CAD)
2025 ANNUAL
(CAD)
2025 Q4
(CAD)
Total Assets C$1.55T C$1.52T C$1.48T C$1.46T C$1.46T
Cash, Cash Equivalents & Federal Funds Sold C$336.09B C$332.48B C$289.22B C$268.98B C$268.98B
-Cash and Cash Equivalents C$62.46B C$79.30B C$73.84B C$65.97B C$65.97B
-Money Market Investments C$273.64B C$253.18B C$215.38B C$203.01B C$203.01B
Securities Investment C$308.76B C$300.96B C$295.39B C$293.68B C$293.68B
-Trading Securities C$156.08B C$151.15B C$152.99B C$129.96B C$129.96B
-Available for Sale Securities C$24.21B C$24.00B C$24.46B C$121.59B C$121.59B
-Short Term Investments C$128.47B C$125.80B C$117.94B C$42.13B C$42.13B
Long Term Equity Investment C$8.20B C$7.66B C$7.58B C$6.32B C$6.32B
Derivative Assets C$50.53B C$46.71B C$47.79B C$59.84B C$59.84B
Net Loan C$777.01B C$763.97B C$763.53B C$779.53B C$779.53B
-Gross Loan C$784.33B C$771.12B C$770.53B C$787.00B C$787.00B
-Allowance for Loans and Lease Losses C$7.33B C$7.15B C$7.00B C$7.46B C$7.46B
Net PPE C$5.56B C$5.31B C$5.28B C$4.88B C$4.88B
Goodwill and Other Intangible Assets C$16.01B C$15.97B C$16.12B C$16.17B C$16.17B
Acceptance Bills C$161.00M C$155.00M C$173.00M C$177.00M C$177.00M
Deferred Assets C$3.10B C$3.14B C$3.28B C$3.25B C$3.25B
Other Assets C$42.85B C$45.17B C$47.62B C$11.22B C$11.22B
Total Liabilities C$1.46T C$1.43T C$1.39T C$1.37T C$1.37T
Total Deposits C$716.49B C$695.76B C$705.39B C$709.21B C$709.21B
Federal Funds Purchased and Securities Sold Under Agreement to Repurchase C$226.26B C$238.66B C$204.76B C$189.14B C$189.14B
Derivative Product Liabilities C$58.34B C$56.85B C$58.17B C$56.03B C$56.03B
Short-Term Debt and Capital Lease Obligation C$132.63B C$130.31B C$123.95B C$112.35B C$112.35B
-Current Debt C$132.63B C$130.31B C$123.95B C$112.35B C$112.35B
Trading Liabilities C$39.97B C$38.06B C$33.15B C$38.10B C$38.10B
Long Term Debt and Capital Lease Obligation C$216.68B C$209.81B C$195.89B C$202.53B C$202.53B
-Long Term Debt C$216.68B C$209.81B C$195.89B C$199.58B C$199.58B
Other Liabilities C$67.27B C$63.47B C$65.66B C$42.68B C$42.68B
Total Equity C$90.62B C$88.58B C$89.02B C$88.59B C$88.59B
Stockholders' Equity C$89.15B C$87.16B C$87.59B C$86.87B C$86.87B
Capital Stock C$31.84B C$31.94B C$32.03B C$32.01B C$32.01B
-Common Stock C$21.90B C$22.00B C$22.09B C$22.07B C$22.07B
-Preferred Stock C$9.94B C$9.94B C$9.94B C$9.94B C$9.94B
Retained Earnings C$60.39B C$59.88B C$59.30B C$58.92B C$58.92B
Gains/Losses Not Affecting Retained Earnings -C$3.08B -C$4.66B -C$3.74B -C$4.06B -C$4.06B
Minority Interests C$1.47B C$1.42B C$1.43B C$1.72B C$1.72B
Receivables – – – C$14.97B C$14.97B
-Accounts Receivable – – – C$7.72B C$7.72B
-Other Receivables – – – C$7.25B C$7.25B
-Gross PPE – – – C$10.56B C$10.56B
-Accumulated Depreciation – – – -C$5.67B -C$5.67B
-Goodwill – – – C$8.59B C$8.59B
-Other Intangible Assets – – – C$7.58B C$7.58B
Defined Pension Benefit – – – C$1.04B C$1.04B
Payables – – – C$18.79B C$18.79B
-Accounts Payable – – – C$17.85B C$17.85B
-Total Tax Payable – – – C$942.00M C$942.00M
-Long Term Capital Lease Obligation – – – C$2.96B C$2.96B
Non-Current Liabilities – – – C$668.00M C$668.00M
Employee Benefits – – – C$535.00M C$535.00M
Non-Current Deferred Liabilities – – – C$1.41B C$1.41B

Cash flow

Line item 2026 Q3
(CAD)
2026 Q2
(CAD)
2026 Q1
(CAD)
2025 ANNUAL
(CAD)
2025 Q4
(CAD)
Operating Cash Flow -C$16.81B C$17.08B C$12.88B C$5.41B -C$6.19B
Net cash flow from continuing operations -C$16.81B C$17.08B C$12.88B C$5.41B -C$6.19B
Net Income from Continuing Operations C$2.95B C$2.63B C$2.30B C$7.76B C$2.21B
Gain/Loss from Continuing Operations -C$235.00M -C$236.00M C$226.00M C$707.00M -C$178.00M
Depreciation & Depletion & Amortization C$398.00M C$410.00M C$385.00M C$1.60B C$403.00M
Deferred Tax C$947.00M C$799.00M C$872.00M C$2.75B C$656.00M
Other Non-Cash Items -C$5.87B -C$5.52B -C$5.58B -C$21.52B -C$5.59B
Change in Working Capital -C$21.45B C$13.21B C$9.24B -C$7.93B -C$9.40B
-Change in Loans -C$40.61B -C$9.81B -C$639.00M -C$10.64B -C$14.42B
-Change in Other Working Capital C$19.15B C$23.02B C$9.88B C$2.71B C$5.02B
Net cash flow from investing C$19.05B -C$14.05B -C$10.47B C$1.57B C$4.66B
Net Cash Flow from Continuing Investing Activities C$19.05B -C$14.05B -C$10.47B C$1.57B C$4.66B
Proceeds Payment in Interest Bearing Deposits in Bank C$19.75B -C$5.51B -C$11.39B -C$344.00M C$3.00B
Net PPE Purchase and Sale -C$127.00M -C$125.00M -C$231.00M -C$347.00M -C$150.00M
Net Business Purchase and Sale -C$17.00M C$0.00 -C$1.24B -C$2.64B C$0.00
Net Investment Purchase and Sale -C$478.00M -C$8.42B C$2.33B C$5.36B C$1.97B
Net Other Investing Changes -C$83.00M C$2.00M C$57.00M -C$463.00M -C$155.00M
Financing Cash Flow -C$1.20B -C$2.60B -C$3.87B -C$6.31B -C$117.00M
Net Cash Flow from Continuing Financing Activities -C$1.20B -C$2.60B -C$3.87B -C$6.31B -C$117.00M
Net Issuance Payments of Debt C$1.17B -C$78.00M -C$1.86B -C$548.00M -C$73.00M
Net Common Stock Issuance -C$955.00M -C$613.00M -C$374.00M -C$685.00M -C$539.00M
Net Preferred Stock Issuance C$0.00 C$0.00 C$0.00 C$1.16B C$1.40B
Cash Dividends Paid -C$1.52B -C$1.48B -C$1.49B -C$5.88B -C$1.48B
Net Other Financing Activities C$112.00M -C$426.00M -C$146.00M -C$360.00M C$576.00M
Ending Cash Balance C$10.33B C$9.10B C$8.73B C$10.26B C$10.26B
Net Change in Cash C$1.04B C$428.00M -C$1.46B C$667.00M -C$1.65B
Beginning Cash Balance C$9.10B C$8.73B C$10.26B C$9.41B C$11.72B
Effect of Exchange Rate Changes C$184.00M -C$57.00M -C$67.00M C$183.00M C$182.00M
Free Cash Flow -C$16.93B C$16.95B C$12.64B C$5.06B -C$6.34B
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