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Upturn AI SWOT - About
BNS 
Bank of Nova Scotia (BNS)
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Upturn Advisory Summary
09/16/2025: BNS (3-star) is a STRONG-BUY. BUY since 96 days. Simulated Profits (31.55%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
15 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $62.26
1 Year Target Price $62.26
| 4 | Strong Buy |
| 0 | Buy |
| 10 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 42.82% | Avg. Invested days 59 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/16/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 79.52B USD | Price to earnings Ratio 16.8 | 1Y Target Price 62.26 |
Price to earnings Ratio 16.8 | 1Y Target Price 62.26 | ||
Volume (30-day avg) 15 | Beta 1.26 | 52 Weeks Range 43.45 - 64.86 | Updated Date 09/16/2025 |
52 Weeks Range 43.45 - 64.86 | Updated Date 09/16/2025 | ||
Dividends yield (FY) 6.75% | Basic EPS (TTM) 3.81 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2025-08-26 | When Before Market | Estimate 1.72 | Actual 1.84 |
Profitability
Profit Margin 22.75% | Operating Margin (TTM) 39.74% |
Management Effectiveness
Return on Assets (TTM) 0.51% | Return on Equity (TTM) 8.58% |
Valuation
Trailing PE 16.8 | Forward PE 11.12 | Enterprise Value -60471881728 | Price to Sales(TTM) 2.51 |
Enterprise Value -60471881728 | Price to Sales(TTM) 2.51 | ||
Enterprise Value to Revenue 11.65 | Enterprise Value to EBITDA - | Shares Outstanding 1242460032 | Shares Floating 1225774687 |
Shares Outstanding 1242460032 | Shares Floating 1225774687 | ||
Percent Insiders 0.04 | Percent Institutions 53.19 |
Upturn AI SWOT
Bank of Nova Scotia
Company Overview
History and Background
The Bank of Nova Scotia (Scotiabank) was founded in 1832 in Halifax, Nova Scotia. It has grown through organic expansion and acquisitions to become one of Canada's largest banks, with a significant international presence, particularly in Latin America and the Caribbean.
Core Business Areas
- Canadian Banking: Provides a full range of financial products and services to individuals and businesses in Canada, including personal and commercial banking, wealth management, and insurance.
- International Banking: Offers banking services in Latin America, the Caribbean, and Asia-Pacific, focusing on retail and commercial banking, wealth management, and investment banking.
- Global Wealth Management: Provides wealth management, investment advisory, and brokerage services to individuals and institutions globally.
- Global Banking and Markets: Offers corporate and investment banking services to large corporations, institutions, and governments worldwide, including financing, advisory, trading, and risk management solutions.
Leadership and Structure
The Bank of Nova Scotia is led by a Chief Executive Officer (CEO) and a Board of Directors. The organizational structure is divided into business lines, each headed by a senior executive. Key divisions include Canadian Banking, International Banking, Global Wealth Management, and Global Banking and Markets.
Top Products and Market Share
Key Offerings
- Commercial Lending: Offers loans and credit facilities to businesses. Competitors include TD Bank, RBC, BMO, and CIBC.
- Investment Banking: Provides advisory and underwriting services. Investment banking market share fluctuates, with key competitors including Goldman Sachs, Morgan Stanley, and JPMorgan Chase.
- Mortgages: Provides mortgage financing for residential properties. Competitors include TD Bank, RBC, BMO, and CIBC.
- Personal Banking Accounts: Offers a variety of chequing, savings, and credit card products. The Canadian market is highly competitive with the Big 5 banks.
- Wealth Management: Wealth management services includes investment advice and planning. Market share data is difficult to isolate, but competition from Fidelity, Vanguard, and local financial institutions are key.
Market Dynamics
Industry Overview
The financial services industry is currently characterized by increasing competition, technological disruption, regulatory changes, and fluctuating interest rates. Banks are focusing on digital transformation, cybersecurity, and customer experience.
Positioning
Bank of Nova Scotia is positioned as a leading financial institution with a strong presence in Canada and Latin America. Its competitive advantages include a diversified business model, a strong brand reputation, and a large customer base.
Total Addressable Market (TAM)
The global banking market is estimated to be several trillion dollars. Scotiabank, with its international presence, aims to capture a significant portion, particularly in emerging markets, but its TAM is still much smaller due to geographic limitations and existing competition.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Diversified business model
- Extensive international network, especially in Latin America
- Solid capital base
- Established risk management practices
Weaknesses
- Dependence on the Canadian and Latin American markets
- Exposure to macroeconomic risks in emerging markets
- Potential for regulatory challenges
- Lagging digital transformation compared to peers
- Operational inefficiencies in some areas
Opportunities
- Expanding digital banking services
- Increasing wealth management penetration
- Growing presence in emerging markets
- Acquiring smaller financial institutions
- Leveraging data analytics to improve customer service
Threats
- Intensifying competition from fintech companies
- Rising interest rates
- Economic slowdowns in key markets
- Cybersecurity risks
- Geopolitical instability
Competitors and Market Share
Key Competitors
- RY
- TD
- BMO
- CM
Competitive Landscape
Scotiabank faces intense competition from other major Canadian banks and global financial institutions. Scotiabank differentiates itself with its international presence, particularly in Latin America.
Major Acquisitions
MD Financial Management
- Year: 2018
- Acquisition Price (USD millions): 2580
- Strategic Rationale: Expanded wealth management capabilities and access to the physician market.
Growth Trajectory and Initiatives
Historical Growth: Scotiabank has grown steadily, primarily through organic expansion and strategic acquisitions, focusing on both Canadian and international markets.
Future Projections: Future growth is projected to be driven by digital banking initiatives, wealth management expansion, and international growth, but is contingent on global economic conditions.
Recent Initiatives: Recent initiatives include investments in digital banking platforms, expansion of wealth management services, and strategic acquisitions in key markets.
Summary
Bank of Nova Scotia is a robust financial institution that is showing strength in it's international banking segment in Latin America, but digital transformation will be key to success. The bank pays good dividends and has managed risk, and faces challenges from Fintech companies, cybersecurity risks, and future economic slowdowns. The bank continues to execute new digital initiatives to grow and expand to its full potential. Investors should look out for the continued focus on digital transformation.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Financial News Outlets
- Industry Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Financial data is indicative and may not be real-time. Actual performance may vary.
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.
About Bank of Nova Scotia
Exchange NYSE | Headquaters 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 87317 | Website https://www.scotiabank.com |
Full time employees 87317 | 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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