Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Bank of Nova Scotia is a global financial services provider headquartered in Toronto, Canada, founded in 1832. The bank offers comprehensive financial products and services across personal, commercial, corporate, and investment banking segments. Its service portfolio includes debit and credit cards, chequing and savings accounts, investments, mortgages, loans, insurance, and wealth management solutions for individual clients. For businesses and corporations, the bank provides retail automotive financing, corporate and investment banking, capital markets services, and private banking solutions. Bank of Nova Scotia operates through four major business segments: Canadian Banking, which serves its domestic market; International Banking, with significant presence in Latin America, the Caribbean, Central America, and other regions; Global Wealth Management, offering advisory and wealth services; and Global Banking and Markets, providing corporate and capital markets solutions. The bank maintains substantial assets and serves millions of customers across multiple countries, positioning itself as a key player in the North American and international financial services industry.
C$122.57
+C$1.09 (+0.90%)
EOD Jun 25, 2026 · Twelve Data
20.91% net margin is respectable. The institution appears to be managing its interest spread and credit risk adequately.
Revenue grew 10.4% YoY.
At 17x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles.
16.7x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
C$38.40B
▲ +10.4% YoY
Net Income (TTM)
C$9.66B
▼ -1.7% YoY
Net Margin
25.16%
P/E
16.7x
Balance Sheet
Total Assets
C$1.46T
Equity
C$88.59B
Total Debt
C$314.88B
Cash & Equiv.
C$108.10B
3Y CAGR: +5.6%
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At a P/E of 16.7 and a price-to-free-cash-flow of 5.5, Bank of Nova Scotia (BNS) trades below a two-stage DCF intrinsic value of about C$623.73 per share, so at C$122.57 the stock looks undervalued (408.9% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Bank of Nova Scotia scores 58/100 on Intrinsiqq's quality scorecard (a mixed business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 3.9%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about C$623.73 per share for BNS, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around C$467.80. At today's C$122.57, that puts the stock about 408.9% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Bank of Nova Scotia scores 58 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a mixed business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Bank of Nova Scotia pays a regular dividend of about C$4.83 per share per year (typically in quarterly installments), a yield of roughly 3.9% at the current price. That is a payout ratio of about 61.5% of earnings, so the dividend is well covered. Bank of Nova Scotia has grown the dividend at roughly 6.3% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For BNS's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. BNS currently trades below its estimated intrinsic value and scores 58/100 on quality (mixed). It also yields about 3.9%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.