LON:0UNI Income Statement

Financials in millions CAD. Fiscal year is November - October.

Millions CAD. Fiscal year is Nov - Oct.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jan '26 Jan 31, 2026	Oct '25 Oct 31, 2025	Oct '24 Oct 31, 2024	Oct '23 Oct 31, 2023	Oct '22 Oct 31, 2022	Oct '21 Oct 31, 2021
Net Interest Income	16,276	15,769	13,695	12,825	12,641	11,459
Net Interest Income Growth	14.24%	15.14%	6.78%	1.46%	10.32%	3.76%
Non-Interest Income	13,974	13,364	11,911	10,507	9,192	8,556
Non-Interest Income Growth	12.52%	12.20%	13.36%	14.31%	7.43%	11.16%
Revenues Before Loan Losses	30,250	29,133	25,606	23,332	21,833	20,015
Provision for Credit Losses	2,337	2,342	2,001	2,010	1,057	158
Revenue	27,913	26,791	23,605	21,322	20,776	19,857
Revenue Growth (YoY)	13.11%	13.50%	10.71%	2.63%	4.63%	22.18%
Compensation Expenses	9,626	9,266	8,261	7,550	7,157	6,450
Selling, General & Admin	4,950	4,870	4,512	4,203	4,149	3,778
Other Non-Interest Expenses	1,727	1,716	1,666	2,596	1,497	1,307
Total Non-Interest Expense	16,303	15,852	14,439	14,349	12,803	11,535
Pretax Income	11,610	10,939	9,166	6,973	7,973	8,322
Provision for Income Taxes	2,227	2,485	2,012	1,934	1,730	1,876
Net Income	9,359	8,429	7,115	5,001	6,220	6,429
Minority Interest in Earnings	24	25	39	38	23	17
Net Income to Common	9,359	8,429	7,115	5,001	6,220	6,429
Net Income Growth	23.76%	18.47%	42.27%	-19.60%	-3.25%	69.63%
Shares Outstanding (Basic)	931	935	939	916	903	898
Shares Outstanding (Diluted)	937	941	942	916	906	900
Shares Change (YoY)	-0.92%	-0.11%	2.78%	1.16%	0.59%	0.93%
EPS (Basic)	9.65	8.62	7.29	5.17	6.70	6.98
EPS (Diluted)	9.60	8.57	7.28	5.17	6.68	6.96
EPS Growth	24.68%	17.72%	40.81%	-22.61%	-4.02%	69.34%
Free Cash Flow	333	13,838	11,088	12,154	22,715	-3,332
Free Cash Flow Growth	-97.59%	24.80%	-8.77%	-46.49%	-	-
Free Cash Flow Per Share	0.36	14.71	11.77	13.27	25.08	-3.70
Dividends Per Share	3.980	3.880	3.600	3.440	3.270	2.920
Dividend Growth	2.58%	7.78%	4.65%	5.20%	11.99%	0.34%
Profit Margin	33.62%	31.56%	30.31%	23.63%	30.05%	32.46%
FCF Margin	1.19%	51.65%	46.97%	57.00%	109.33%	-16.78%
EBITDA	1,193	1,178	1,170	1,143	1,047	1,017
EBITDA Margin	4.27%	4.40%	4.96%	5.36%	5.04%	5.12%
Effective Tax Rate	19.18%	22.72%	21.95%	27.74%	21.70%	22.54%

Updated Jan 31, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.