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Bank of Montreal (BMO)
The export includes the complete available history of financial statements and ratios. Numbers are provided in full, without million or billion abbreviations, in their original reporting units.
CSV downloads as a ZIP archive with one file for each report and frequency.
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Bank of Montreal Financial Ratios 2025-2011 | BMO
Brief overview of Bank of Montreal's valuation and returns
Ratios are assessed across five available annual reports in the 2021–2025 interval.
Market valuation is represented by P/E 10.68x (median 9.82x), P/B 1.06x (median 0.85x), P/CF 9.1x (median 6.19x). Multiples are on average 23.8% above their own medians. A substantial share of positive expectations may already be priced in.
At the current P/E, inverse earnings yield is 9.4%, a useful bridge between price and business earnings.
The latest available business-quality ratios are ROE 9.9%, ROA 0.6%. Business quality is below comfortable levels on current returns. Better margins or turnover are needed.
Current PEG of 1.8x points to a premium over forecast earnings momentum.
High leverage is part of the financial-sector model, so valuation should be linked to capital, asset quality and ROE.
Overall picture
Bank of Montreal's valuation is above historical references while efficiency remains restrained, increasing sensitivity to weak reports.
Annual Financial Ratios Bank of Montreal
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 10.7 | 9.8 | 13.4 | 4.1 | 8.8 | 8.8 | 7.4 | 6.3 | 12.2 | 12.0 | 11.1 | 14.0 | 13.6 | 12.2 | 13.4 | |
P/S |
2.6 | 2.2 | 2.0 | 1.6 | 2.5 | 1.8 | 1.7 | 1.5 | 3.0 | 2.6 | 2.5 | 3.6 | 3.5 | 3.1 | 3.2 |
EPS |
11.5 | 9.5 | 5.8 | 20.0 | 11.6 | 7.6 | 8.7 | 8.2 | 7.9 | 6.9 | - | - | - | - | - |
EV (Enterprise Value) |
1.41 T | 1.33 T | 1.25 T | 1.04 T | 906 B | -12.4 B | -6.33 B | -7.74 B | 684 B | 658 B | 640 B | 601 B | 551 B | 535 B | 484 B |
PEG |
- | - | - | - | - | -0.89 | 1.8 | 3.67 | 0.84 | 2.12 | 5.48 | 5.17 | 9.36 | 0.72 | 1.28 |
P/B |
1.1 | 0.9 | 0.8 | 0.8 | 1.2 | 0.0 | 0.0 | 0.0 | 1.5 | 1.3 | 1.2 | 1.7 | 1.8 | 1.7 | 1.6 |
P/CF |
9.1 | 2.7 | 6.2 | 11.2 | 1.5 | 0.9 | 1.4 | 1.9 | 24.5 | -13.4 | 21.2 | -13.0 | 4.2 | 4.2 | -510.0 |
ROE % |
9.90 | 8.69 | 5.83 | 19.06 | 13.48 | 9.01 | 11.27 | 11.92 | 12.06 | 10.92 | 10.95 | 12.08 | 13.29 | 13.68 | 11.61 |
ROA % |
0.59 | 0.52 | 0.33 | 1.19 | 0.78 | 0.54 | 0.68 | 0.70 | 0.75 | 0.67 | 0.68 | 0.73 | 0.78 | 0.78 | 0.68 |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.1 | - | - | - | 1.1 | 1.1 | 1.1 | 1.1 | - | - | - |
DSO |
45.0 | 47.6 | 42.6 | 14.8 | 10.6 | 24.2 | 23.0 | 11.6 | 177.3 | 173.2 | 155.4 | 178.8 | 200.8 | 29.3 | 74.6 |
Operating Cycle |
45.0 | 47.6 | 42.6 | 14.8 | 10.7 | 24.2 | 23.0 | 11.6 | - | - | - | - | - | - | - |
Cash Conversion Cycle |
45.0 | 47.6 | 42.6 | 14.8 | 10.7 | 24.2 | 23.0 | 11.6 | - | - | - | - | - | - | - |
Annual performance
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All numbers in CAD currency
Quarterly Financial Ratios Bank of Montreal
| 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
EPS |
3.4 | 11.46 | 3.14 | 2.51 | 2.84 | 9.52 | 2.49 | 2.36 | 1.73 | 5.77 | 1.97 | 1.31 | 0.3 | 4.44 | - | - | 7.15 | 3.03 | 3.24 | 3.42 | 1.91 | 2.38 | 2.37 | 1.81 | 1 | 2.28 | 1.79 | 2.34 | 2.27 | 1.43 | 2.58 | 2.32 | 1.87 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
ROE % |
17.78 | 17.32 | 16.10 | 15.67 | 15.73 | 14.96 | 12.09 | 11.81 | 10.85 | 9.51 | 8.59 | 13.88 | 16.08 | 19.50 | 14.60 | 14.60 | 18.54 | 13.64 | 13.09 | 12.14 | 10.45 | 9.35 | 9.49 | 9.03 | 9.85 | 11.63 | 10.72 | 12.09 | 12.45 | 12.27 | 3.71 | 3.43 | 2.85 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
ROA % |
1.06 | 1.04 | 0.96 | 0.93 | 0.93 | 0.89 | 0.70 | 0.68 | 0.63 | 0.55 | 0.51 | 0.85 | 0.97 | 1.17 | 0.88 | 0.88 | 1.12 | 0.80 | 0.77 | 0.72 | 0.61 | 0.54 | 0.55 | 0.52 | 0.58 | 0.69 | 0.64 | 0.72 | 0.18 | 0.13 | 0.22 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | - | - | 1.1 | 1.1 | 1.1 | - | - | - | 1.1 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
DSO |
20.8 | 5.6 | - | - | 22.0 | 6.2 | - | - | 24.4 | 6.4 | - | - | - | - | - | - | - | 9.5 | 10.1 | - | - | 10.7 | 12.1 | - | - | 12.3 | 13.2 | - | - | 11.8 | 11.3 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Operating Cycle |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 9.5 | 10.1 | - | - | 10.7 | 12.1 | - | - | 12.3 | 13.2 | - | - | 11.8 | 11.3 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Cash Conversion Cycle |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 9.5 | 10.1 | - | - | 10.7 | 12.1 | - | - | 12.3 | 13.2 | - | - | 11.8 | 11.3 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Quarterly performance
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All numbers in CAD currency
Multiples are an important financial analysis tool for the company Bank of Montreal, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.
Advantages of Using Financial Ratios- Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition. - Comparability Between Companies
Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations. - Identification of Trends and Issues
Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks. - Decision Support
Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions. - Accelerated Assessment of Investment Attractiveness
Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.
Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.
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