Market Price

75.21 

0.31 0.4%

as of Dec 06 '19

52 Week Range:

66.36 76.75


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

The Bank of Nova Scotia provides various banking products and services in Canada, the United States, Mexico, Peru, Chile, Colombia, the Caribbean and Central America, and internationally. It operates through Canadian Banking, International Banking, Global Banking and Markets, and Global Wealth Management segments. The company offers financial advice and solutions, and day-to-day banking products, including debit and credit cards, chequing and saving accounts, investments, mortgages, loans, and insurance to individuals; and business banking solutions comprising lending, deposit, cash management, and trade finance solutions to small businesses and commercial customers, including automotive financing solutions to dealers and their customers. It is also involved in the provision of wealth management advice and solutions, including online brokerage, mobile investment, full-service brokerage, trust, private banking, and private investment counsel services; and retail mutual funds, exchange traded funds, liquid alternative funds, and institutional funds. In addition, the company offers international banking services for retail, corporate, and commercial customers; and lending and transaction, investment banking advisory, and capital markets access services to corporate customers. Further, it provides Internet, mobile, and telephone banking services. The company operates a network of 950 branches and approximately 3,650 automated banking machines in Canada; and approximately 1,900 branches and 5,500 ATMs internationally, as well as contact centers. The Bank of Nova Scotia was founded in 1832 and is headquartered in Toronto, Canada.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Oct '12 Oct '13 Oct '14 Mar '15 Oct '15 Mar '16 Oct '16 Jan '17 Oct '17 Oct '18 Oct '19
Equity (BVPS) 29.76
32.36
36.36
40.46
42.02
44.50
49.51
52.24
growth rate 8.7% 12.4% 5.5% 1.9% 2.9% 11.3% 5.5%
Earnings BIT 8,050.00
8,460.00
4,503.00
7,789.00
4,752.00
7,850.00
4,157.00
8,758.00
growth rate 5.1% -27.0% 73.0% -39.0% 65.2% -47.0% 110.7%
Avg.PE 10.45
12.35
11.25
11.18
12.89
12.76
10.39
11.23
growth rate 18.2% -8.9% -0.3% 7.4% -0.5% -18.6% 8.1%
ROA 0.97
0.88
0.89
0.83
0.80
0.87
0.87
0.79
growth rate -9.3% 1.1% -3.4% -1.8% 4.3% 0.0% -9.2%
ROE 18.93
16.37
16.17
14.67
13.73
14.57
14.35
13.17
growth rate -13.5% -1.2% -4.8% -3.3% 3.0% -1.5% -8.2%
ROIC 19.18
24.04
26.17
growth rate 25.3% 8.9%
Leverage 18.95
18.33
17.92
17.45
17.02
16.51
16.36
17.07
growth rate -3.3% -2.2% -1.3% -1.2% -1.5% -0.9% 4.3%
Balance Sheet Oct '12 Oct '13 Oct '14 Mar '15 Oct '15 Mar '16 Oct '16 Jan '17 Oct '17 Oct '18 Oct '19
Acct.Receivable 2,957.00
4,210.00
3,354.00
3,553.00
3,273.00
3,875.00
3,020.00
4,596.00
4,993.00
growth rate 42.4% -20.3% 5.9% -7.9% 18.4% -22.1% 52.2% 8.6%
Acct.Payable 559,747.00
5,160.00
607,630.00
5,084.00
618,763.00
4,433.00
635,897.00
690,920.00
751,549.00
growth rate -99.1% 11,675.8% -99.2% 12,070.8% -99.3% 14,244.6% 8.7% 8.8%
Cur.Assets 319,445.00
8,953.00
331,719.00
9,072.00
319,378.00
16,974.00
316,736.00
334,696.00
374,825.00
growth rate -97.2% 3,605.1% -97.3% 3,420.5% -94.7% 1,766.0% 5.7% 12.0%
Total Assets 668,044.00
743,788.00
805,666.00
81,781.00
856,497.00
84,707.00
896,266.00
82,330.00
915,273.00
998,493.00
1,086,161.00
growth rate 11.3% 8.3% -89.9% 947.3% -90.1% 958.1% -90.8% 1,011.7% 9.1% 8.8%
Cash 59,724.00
62,218.00
1,200.00
703.00
505.00
983.00
38,728.00
1,904.00
543.00
111.00
1,503.00
growth rate 4.2% -98.1% -41.4% -28.2% 94.7% 3,839.8% -95.1% -71.5% -79.6% 1,254.1%
Inventory 353.00
505.00
310.00
628.00
404.00
504.00
412.00
426.00
372.00
growth rate 43.1% -38.6% 102.6% -35.7% 24.8% -18.3% 3.4% -12.7%
Cur.Liabilities 704,949.00
10,947.00
752,452.00
11,098.00
781,653.00
13,144.00
791,810.00
860,708.00
942,396.00
growth rate -98.5% 6,773.6% -98.5% 6,943.2% -98.3% 5,924.1% 8.7% 9.5%
Liabilities 628,408.00
699,135.00
756,455.00
64,023.00
803,018.00
65,224.00
838,445.00
56,861.00
853,648.00
930,813.00
1,015,969.00
growth rate 11.3% 8.2% -91.5% 1,154.3% -91.9% 1,185.5% -93.2% 1,401.3% 9.0% 9.2%
LT Debt 2,012.00
2,013.00
4,871.00
36,588.00
6,182.00
38,038.00
7,634.00
30,400.00
5,935.00
5,698.00
7,252.00
growth rate 0.1% 142.0% 651.1% -83.1% 515.3% -79.9% 298.2% -80.5% -4.0% 27.3%
Equity 39,636.00
44,653.00
44,965.00
17,758.00
49,085.00
19,483.00
52,657.00
25,469.00
57,014.00
62,604.00
65,198.00
growth rate 12.7% 0.7% -60.5% 176.4% -60.3% 170.3% -51.6% 123.9% 9.8% 4.1%
Common Shares 1,160.00
1,209.00
1,222.00
658.00
1,232.00
642.00
1,226.00
561.00
1,223.00
1,229.00
1,251.00
growth rate 4.2% 1.1% -46.2% 87.2% -47.9% 91.0% -54.2% 118.0% 0.5% 1.8%
Cash Flow Statement Oct '12 Oct '13 Oct '14 Mar '15 Oct '15 Mar '16 Oct '16 Jan '17 Oct '17 Oct '18 Oct '19
Capital Expenditures 434.00
146.00
277.00
3,827.00
282.00
4,104.00
348.00
4,121.00
416.00
416.00
186.00
growth rate -66.4% 89.7% 1,281.6% -92.6% 1,355.3% -91.5% 1,084.2% -89.9% 0.0% -55.3%
Cash Dividends 2,872.00
3,220.00
3,265.00
1,887.00
3,406.00
1,922.00
3,598.00
1,829.00
3,797.00
4,172.00
4,442.00
growth rate 12.1% 1.4% -42.2% 80.5% -43.6% 87.2% -49.2% 107.6% 9.9% 6.5%
Cash From OA 7,151.00
9,744.00
-15,280.00
7,433.00
2,511.00
7,716.00
-2,166.00
6,539.00
-10,932.00
-22,527.00
-72,730.00
growth rate 36.3% -100.0% 100.0% -66.2% 207.3% -100.0% 100.0% -100.0% 0.0% 0.0%
FCF per Share 6.58
0.73
0.83
21.92
17.21
-4.90
-6.61
1.58
growth rate -88.9% 13.7% 413.9% -11.4% -100.0% 0.0% 100.0%
Sale Purchase of Stock 753.00
-478.00
101.00
-369.00
391.00
-221.00
313.00
growth rate -100.0% 100.0% -100.0% 100.0% -100.0% 100.0%
FCF 7,635.00
9,598.00
4,667.00
3,606.00
13,565.00
3,612.00
3,751.00
2,418.00
16,584.00
17,395.00
-12,211.00
growth rate 25.7% -51.4% -22.7% 276.2% -73.4% 3.9% -35.5% 585.9% 4.9% -100.0%
Income Statement Oct '12 Oct '13 Oct '14 Mar '15 Oct '15 Mar '16 Oct '16 Jan '17 Oct '17 Oct '18 Oct '19
Sales 19,963.00
21,641.00
21,901.00
19,829.00
22,107.00
18,990.00
23,938.00
18,801.00
24,906.00
26,164.00
28,007.00
growth rate 8.4% 1.2% -9.5% 11.5% -14.1% 26.1% -21.5% 32.5% 5.1% 7.0%
Op.Income 7,784.00
8,162.00
9,300.00
4,381.00
9,066.00
4,635.00
9,398.00
4,011.00
10,276.00
11,106.00
11,270.00
growth rate 4.9% 13.9% -52.9% 106.9% -48.9% 102.8% -57.3% 156.2% 8.1% 1.5%
IBT 8,046.00
9,300.00
2,910.00
9,066.00
3,348.00
9,398.00
2,731.00
10,276.00
11,106.00
11,270.00
growth rate 7.5% -68.7% 211.6% -63.1% 180.7% -70.9% 276.3% 8.1% 1.5%
Net Income 6,243.00
6,422.00
7,071.00
2,985.00
7,014.00
3,728.00
7,117.00
9,746.00
8,005.00
8,548.00
8,390.00
growth rate 2.9% 10.1% -57.8% 135.0% -46.9% 90.9% 36.9% -17.9% 6.8% -1.9%
EPS 5.18
5.11
5.66
5.67
5.77
6.49
6.82
6.68
growth rate -1.4% 10.8% 0.1% 0.9% 6.1% 5.1% -2.1%
Gross Profit 21,901.00
4,381.00
22,107.00
4,635.00
23,938.00
4,011.00
24,906.00
26,164.00
28,007.00
growth rate -80.0% 404.6% -79.0% 416.5% -83.2% 520.9% 5.1% 7.0%

Quarterly Statements

Item Name Oct '18 Jan '19 Apr '19 Jul '19 Oct '19
Balance Sheet
Acct.Receivable 4,673.00
4,993.00
growth rate 1.7%
Acct.Payable 690,920.00
700,786.00
723,201.00
733,882.00
751,549.00
growth rate 1.4% 3.2% 1.5% 2.4%
Cur.Assets 334,773.00
342,377.00
341,075.00
349,460.00
374,825.00
growth rate 2.3% -0.4% 2.5% 7.3%
Total Assets 998,493.00
1,034,283.00
1,058,169.00
1,066,740.00
1,086,161.00
growth rate 3.6% 2.3% 0.8% 1.8%
Cash 111.00
513.00
9,660.00
152.00
1,503.00
growth rate 362.2% 1,783.0% -98.4% 888.8%
Inventory 426.00
372.00
growth rate -3.3%
Cur.Liabilities 860,708.00
884,501.00
904,469.00
916,992.00
942,396.00
growth rate 2.8% 2.3% 1.4% 2.8%
Liabilities 930,813.00
965,117.00
987,922.00
996,609.00
1,015,969.00
growth rate 3.7% 2.4% 0.9% 1.9%
LT Debt 5,698.00
7,492.00
7,554.00
9,021.00
7,252.00
growth rate 31.5% 0.8% 19.4% -19.6%
Equity 62,604.00
62,525.00
63,571.00
65,094.00
65,198.00
growth rate -0.1% 1.7% 2.4% 0.2%
Common Shares 18,234.00
18,296.00
18,284.00
18,295.00
18,264.00
growth rate 0.3% -0.1% 0.1% -0.2%
Cash Flow Statement Oct '18 Jan '19 Apr '19 Jul '19 Oct '19
Capital Expenditures 195.00
17.00
87.00
148.00
148.00
growth rate -91.3% 411.8% 70.1% 0.0%
Cash Dividends 1,108.00
1,070.00
1,127.00
1,087.00
1,158.00
growth rate -3.4% 5.3% -3.6% 6.5%
Cash From OA 100.00
-23,929.00
-12,530.00
-25,308.00
-10,963.00
growth rate -100.0% 0.0% 0.0% 0.0%
Sale Purchase of Stock
growth rate
FCF -95.00
-23,946.00
-12,617.00
-25,456.00
-11,111.00
growth rate 0.0% 0.0% 0.0% 0.0%
Income Statement Oct '18 Jan '19 Apr '19 Jul '19 Oct '19
Sales 6,858.00
6,916.00
6,930.00
6,946.00
7,215.00
growth rate 0.9% 0.2% 0.2% 3.9%
Op.Income 2,794.00
2,745.00
2,884.00
2,737.00
2,904.00
growth rate -1.8% 5.1% -5.1% 6.1%
IBT 2,794.00
2,745.00
2,884.00
2,737.00
2,904.00
growth rate -1.8% 5.1% -5.1% 6.1%
Net Income 2,179.00
2,136.00
2,189.00
1,864.00
2,201.00
growth rate -2.0% 2.5% -14.9% 18.1%
EPS
growth rate
Gross Profit 6,858.00
6,916.00
6,930.00
6,946.00
7,215.00
growth rate 0.9% 0.2% 0.2% 3.9%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

E (18.49)

YOY Growth Grade:

E (29.71)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 11.23 11.27 9.67
EPS / Growth 5.8% 6.68 8.2%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 12.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 5.8% 8.7% 8.7%
Future PE 9.67 12.75 12.75
Future EPS 11.77 15.33 15.33
Value Price
MOS %
28.14
-62.6%
48.30
-35.8%
48.30
-35.8%
MOS Price 14.07 24.15 24.15
IRT 8.51 7.70 7.70

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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