Bank of Nova Scotia
Bank of Nova Scotia is classed by the SEC under State Commercial Banks (industry code 6022), based in Toronto, ON. In its latest annual figures on file, for the fiscal year ended 2025-10-31, it reported revenue of CAD 38 billion and a profit of CAD 7.8 billion (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6022, State Commercial Banks); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 4.5 out of ten, 8 of 9 metrics filed and 1 estimated: past 6.0 out of ten, present 3.1 out of ten, future 4.1 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 7.8 out of ten. No warning events in its filings since 2017. 78th percentile among 165 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 4.8 out of ten. +4.1% a year over 10 filed years; profitable in 10 of 10. 47th percentile among 152 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 4.3 out of ten. Share count grew 1.1% a year. 32% of cash flow returned. Insiders: 0 sales, 0 purchases. 43rd percentile among 157 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Financial health (present): 2.4 out of ten. ROE 9%: 9¢ of profit per shareholder dollar. Leverage 94%: owes 94¢ per asset dollar. 24th percentile among 161 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 2.8 out of ten. bottom 28% of 155 in its family; net margin 20.6%. 28th percentile among 155 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 5.0 out of ten. CrossAssetData estimate 5.0/10, confidence 20 of 100 (family median). 50th percentile among 158 sector filers. A CrossAssetData estimate, not a filed reading: family median, confidence 20 of 100; its next annual report on file with the inputs replaces this estimate with the filed reading.
- Room to expand (future): 1.7 out of ten. bottom 17% of 142 in its family for room to expand. 17th percentile among 142 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 5.9 out of ten. top 41% of 152 in its family for growth drivers. 59th percentile among 152 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 4.7 out of ten. bottom 47% of 150 in its family for expectations against reality. 47th percentile among 150 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 40-F filed 2025-12-02 for the period ended 2025-10-31 (on EDGAR). Newest filing: Form 424B2, 2026-10-09. Filings on record since 2000. Read from EDGAR 2026-10-12.
Who runs it
Bank, Of Nova Scotia (director). 1 officer or director has filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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