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Upturn AI Summary - About
Bank of Nova Scotia(BNS)
Top performer 
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for BNS
09/28/2026: BNS (5-star) is a STRONG-BUY. BUY for 114 days. Simulated Profits (24.85%). Updated daily EoD!
Bank of Nova Scotia is a major multinational financial institution known for its significant international footprint in the Americas alongside a stable core Canadian banking business. Its primary strength lies in its diversified revenue streams and historical reliability in paying dividends, making it an attractive pick for income-focused investors. The bank is currently executing a strategic shift to focus on North American stability while leveraging its unique presence in emerging markets. Risks include currency volatility and exposure to macroeconomic shifts in Latin America, alongside ongoing competition in the digital banking space. The stock may best suit value and dividend-oriented investors who monitor geographic risk and margin trends.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers moderate growth potential driven by international markets, but is not a high-growth tech-style play. |
| Momentum investor | Weak fit | The stock tends to trade based on macro interest rate trends rather than short-term price momentum. |
| Value investor | Strong fit | The stock often trades at attractive valuation multiples relative to historical averages and book value. |
| Dividend investor | Strong fit | The bank has a strong track record of reliable and increasing dividend payments. |
| Low-risk investor | Mixed fit | While established, the international exposure adds a layer of geopolitical and currency risk not present in purely domestic peers. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock price is sensitive to macroeconomic cycles and interest rate expectations. |
| Valuation risk | Low | Currently priced reasonably, though sector-wide multiples are subject to market sentiment. |
| Competition risk (banking) | Medium / high | Intense competition from domestic peers and digital disruptors pressures margins. |
| Business quality | Strong | The company maintains a strong capital base and established market presence. |
| Dividend income | Strong | Consistent dividend history provides reliable income for long-term holders. |
| Execution risk | Medium | Successfully integrating international operations and digital shifts requires careful management. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 117.18% | Avg. Invested days 102 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  5.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 09/28/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 113.94B USD | Price to earnings Ratio 17.31 | 1Y Target Price 90.35 |
Price to earnings Ratio 17.31 | 1Y Target Price 90.35 | ||
Volume (30-day avg) 1.8M shares | Beta 1.21 | 52 Weeks Range 61.01 - 95.74 | Updated Date 09/27/2026 |
52 Weeks Range 61.01 - 95.74 | Updated Date 09/27/2026 | ||
Dividends yield (FY) 4.81% | Basic EPS (TTM) 5.4 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Canadian Banking | Mortgages, credit cards, and retail banking services for Canadian clients. | The reliable core engine that provides steady cash flow. |
| International Banking | Operations in Mexico, Peru, Chile, and Colombia. | The growth engine focused on emerging markets in the Americas. |
| Global Wealth & Markets | Investment management, trading, and corporate banking. | Fee-based income that diversifies the bank away from just lending. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE 17.31 | Forward PE 13.83 | Enterprise Value -83.33B | Price to Sales(TTM) 3.23 |
Enterprise Value -83.33B | Price to Sales(TTM) 3.23 | ||
Enterprise Value to Revenue 13.14 | Enterprise Value to EBITDA - | Shares Outstanding 1.22B | Shares Floating 1.20B |
Shares Outstanding 1.22B | Shares Floating 1.20B | ||
Percent Insiders 0.02 | Percent Institutions 51.18 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
News (Last Updated: 09/28/2026)
About Bank of Nova Scotia
Exchange NYSE | Headquarters Toronto, ON, Canada | ||
IPO Launch date 1999-09-13 | President, CEO & Director Mr. L. Scott Thomson | ||
Sector Financial Services | Industry Banks - Diversified | Full time employees 81734 | Website https://www.scotiabank.com |
Full time employees 81734 | Website https://www.scotiabank.com | ||
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 Wealth Management, and Global Banking and Markets segments. The company offers financial advice and solutions, and banking products, including debit and credit cards, chequing and saving accounts, investments, mortgages, loans, and insurance to individuals; and retail automotive financing solutions. It also provides business banking solutions comprising lending, deposit, cash management, and trade finance solutions to small, medium, and large businesses. In addition, it provides 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 alternatives, and institutional funds. The company was founded in 1832 and is headquartered in Toronto, Canada.
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