(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 | 77,604m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 1999-09-13 |
BNS Stock Ratings
| Growth Rating | 47.1% |
| Fundamental | 54.2% |
| Dividend Rating | 69.0% |
| Return 12m vs S&P 500 | 11.5% |
| Analyst Rating | 3.47 of 5 |
BNS Dividends
| Dividend Yield 12m | 5.40% |
| Yield on Cost 5y | 9.95% |
| Annual Growth 5y | 3.28% |
| Payout Consistency | 94.6% |
| Payout Ratio | 36.8% |
BNS Growth Ratios
| Growth Correlation 3m | 95% |
| Growth Correlation 12m | 42.3% |
| Growth Correlation 5y | 12% |
| CAGR 5y | 15.45% |
| CAGR/Max DD 5y | 0.38 |
| Sharpe Ratio 12m | 1.08 |
| Alpha | 13.48 |
| Beta | 0.997 |
| Volatility | 13.71% |
| Current Volume | 2039k |
| Average Volume 20d | 1711.9k |
| Stop Loss | 61.5 (-3.1%) |
| Signal | 0.13 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (7.21b TTM) > 0 and > 6% of Revenue (6% = 3.91b TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA 0.43pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -921.1% (prev 122.7%; Δ -1044 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 (232.12b) to EBITDA (7.41b) ratio: 31.32 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.17 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (1.24b) change vs 12m ago 0.60% (target <= -2.0% for YES) |
| Gross Margin 49.69% (prev 13.72%; Δ 35.97pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 4.63% (prev 3.86%; Δ 0.77pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.16 (EBITDA TTM 7.41b / Interest Expense TTM 37.85b) >= 6 (WARN >= 3) |
Altman Z'' -2.58
| (A) -0.42 = (Total Current Assets 121.25b - Total Current Liabilities 722.10b) / Total Assets 1414.69b |
| (B) 0.04 = Retained Earnings (Balance) 58.70b / Total Assets 1414.69b |
| (C) 0.00 = EBIT TTM 6.11b / Avg Total Assets 1408.53b |
| (D) 0.04 = Book Value of Equity 58.70b / Total Liabilities 1329.20b |
| Total Rating: -2.58 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 54.17
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield 5.44% = 2.72 |
| 3. FCF Margin 28.32% = 7.08 |
| 4. Debt/Equity 3.60 = -1.60 |
| 5. Debt/Ebitda 40.73 = -2.50 |
| 6. ROIC - WACC -2.93% = -3.66 |
| 7. RoE 8.59% = 0.72 |
| 8. Rev. Trend 68.56% = 3.43 |
| 9. Rev. CAGR 7.86% = 0.98 |
| 10. EPS Trend -23.53% = -0.59 |
| 11. EPS CAGR -3.27% = -0.41 |
What is the price of BNS shares?
Over the past week, the price has changed by +1.57%, over one month by +14.04%, over three months by +20.02% and over the past year by +32.90%.
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 64.66 USD . This means that BNS is currently overvalued and has a potential downside of 1.92%.
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 | 60.1 | -5.2% |
| Analysts Target Price | 60.1 | -5.2% |
| ValueRay Target Price | 69.3 | 9.3% |
Last update: 2025-08-31 02:08
BNS Fundamental Data Overview
CCE Cash And Equivalents = 69.70b CAD (Cash only, last quarter)
P/E Trailing = 16.4368
P/E Forward = 10.9529
P/S = 2.4483
P/B = 1.4212
P/EG = 1.5689
Beta = 1.237
Revenue TTM = 65.23b CAD
EBIT TTM = 6.11b CAD
EBITDA TTM = 7.41b CAD
Long Term Debt = 192.39b CAD (from longTermDebt, last quarter)
Short Term Debt = 109.43b CAD (from shortLongTermDebt, last quarter)
Debt = 301.82b CAD (Calculated: Short Term 109.43b + Long Term 192.39b)
Net Debt = 232.12b CAD (from netDebt column, last quarter)
Enterprise Value = 339.29b CAD (107.16b + Debt 301.82b - CCE 69.70b)
Interest Coverage Ratio = 0.16 (Ebit TTM 6.11b / Interest Expense TTM 37.85b)
FCF Yield = 5.44% (FCF TTM 18.47b / Enterprise Value 339.29b)
FCF Margin = 28.32% (FCF TTM 18.47b / Revenue TTM 65.23b)
Net Margin = 11.06% (Net Income TTM 7.21b / Revenue TTM 65.23b)
Gross Margin = 49.69% ((Revenue TTM 65.23b - Cost of Revenue TTM 32.82b) / Revenue TTM)
Tobins Q-Ratio = 5.78 (Enterprise Value 339.29b / Book Value Of Equity 58.70b)
Interest Expense / Debt = 2.86% (Interest Expense 8.63b / Debt 301.82b)
Taxrate = 20.48% (2.03b / 9.92b)
NOPAT = 4.86b (EBIT 6.11b * (1 - 20.48%))
Current Ratio = 0.17 (Total Current Assets 121.25b / Total Current Liabilities 722.10b)
Debt / Equity = 3.60 (Debt 301.82b / last Quarter total Stockholder Equity 83.80b)
Debt / EBITDA = 40.73 (Net Debt 232.12b / EBITDA 7.41b)
Debt / FCF = 16.34 (Debt 301.82b / 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 = 2.21% (Ebit 6.11b / (Equity 83.97b + L.T.Debt 192.39b))
RoIC = 1.29% (NOPAT 4.86b / Invested Capital 377.22b)
WACC = 4.22% (E(107.16b)/V(408.99b) * Re(9.69%)) + (D(301.82b)/V(408.99b) * Rd(2.86%) * (1-Tc(0.20)))
Shares Correlation 5-Years: 70.0 | Cagr: 0.37%
Discount Rate = 9.69% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 70.23% ; FCFE base≈16.01b ; Y1≈14.19b ; Y5≈11.81b
Fair Price DCF = 131.3 (DCF Value 163.07b / Shares Outstanding 1.24b; 5y FCF grow -14.04% → 3.0% )
Revenue Correlation: 68.56 | Revenue CAGR: 7.86%
Rev Growth-of-Growth: -27.18
EPS Correlation: -23.53 | EPS CAGR: -3.27%
EPS Growth-of-Growth: 24.99
Additional Sources for BNS Stock
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