The Bank of Nova Scotia (BNS)
NYSE: BNS · Real-Time Price · USD
91.66
-0.73 (-0.79%)
Aug 31, 2026, 4:00 PM EDT - Market closed
The Bank of Nova Scotia Cash Flow Statement
Financials in millions CAD. Fiscal year is November - October.
Millions CAD. Fiscal year is Nov - Oct.
Operating Activities
Fiscal Quarter | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Jul '26 Jul 31, 2026 | Apr '26 Apr 30, 2026 | Jan '26 Jan 31, 2026 | Oct '25 Oct 31, 2025 | Jul '25 Jul 31, 2025 | Apr '25 Apr 30, 2025 | Jan '25 Jan 31, 2025 | Oct '24 Oct 31, 2024 | Jul '24 Jul 31, 2024 | Apr '24 Apr 30, 2024 | Jan '24 Jan 31, 2024 | Oct '23 Oct 31, 2023 | Jul '23 Jul 31, 2023 | Apr '23 Apr 30, 2023 | Jan '23 Jan 31, 2023 | Oct '22 Oct 31, 2022 | Jul '22 Jul 31, 2022 | Apr '22 Apr 30, 2022 | Jan '22 Jan 31, 2022 | Oct '21 Oct 31, 2021 |
Net Income | 2,908 | 2,595 | 2,287 | 2,219 | 2,447 | 1,976 | 1,147 | 1,642 | 1,876 | 2,066 | 2,174 | 1,323 | 2,172 | 2,122 | 1,721 | 2,055 | 2,540 | 2,669 | 2,652 | 2,489 |
Depreciation & Amortization | 398 | 410 | 385 | -425 | 405 | 393 | 403 | -457 | 428 | 410 | 421 | -272 | 412 | 412 | 406 | -291 | 381 | 381 | 375 | -256 |
Other Amortization | - | - | - | 828 | - | - | - | 958 | - | - | - | 862 | - | - | - | 685 | - | - | - | 639 |
Gain (Loss) on Sale of Assets | - | - | 434 | 12 | -23 | 35 | 1,362 | - | 136 | - | - | -367 | - | - | - | 233 | - | - | - | -6 |
Gain (Loss) on Sale of Investments | -13 | -14 | -19 | -11 | -22 | -7 | -31 | 319 | -2 | -19 | -3 | 186 | -30 | -56 | -44 | -71 | - | -1 | -2 | -83 |
Provision for Credit Losses | 1,079 | 1,217 | 1,176 | 1,113 | 1,041 | 1,398 | 1,162 | 1,030 | 1,052 | 1,007 | 962 | 1,256 | 819 | 709 | 638 | 529 | 412 | 219 | 222 | 168 |
Change in Trading Asset Securities | -2,066 | 2,954 | -11,177 | -14,396 | -7,000 | 5,211 | -4,277 | 4,448 | -1,593 | -4,543 | -9,682 | 3,158 | -5,568 | 2,938 | -3,217 | 8,494 | 14,409 | 19,095 | -4,497 | -6,608 |
Change in Other Net Operating Assets | -33,077 | -4,135 | -12,438 | -7,933 | 6,468 | -3,459 | -2,076 | 7,475 | -5,810 | 6,924 | 5,486 | 22,389 | 2,623 | -5,885 | -20,439 | -28,278 | -37,780 | -39,268 | -25,016 | -1,245 |
Other Operating Activities | 498 | -121 | -444 | -347 | -196 | -49 | -901 | -614 | 41 | 191 | 330 | 346 | 906 | 1,151 | 1,714 | 500 | 715 | 124 | -190 | 524 |
Operating Cash Flow | -30,496 | 2,686 | -19,977 | -19,117 | 2,965 | 5,342 | -3,316 | 14,762 | -3,925 | 5,979 | -348 | 28,865 | 1,280 | 1,329 | -19,228 | -16,192 | -19,366 | -16,863 | -26,541 | -4,473 |
Operating Cash Flow Growth (YoY) | - | -49.72% | - | - | - | -10.65% | - | -48.86% | - | 349.89% | - | - | - | - | - | - | - | - | - | - |
Investing Activities
Fiscal Quarter | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Jul '26 Jul 31, 2026 | Apr '26 Apr 30, 2026 | Jan '26 Jan 31, 2026 | Oct '25 Oct 31, 2025 | Jul '25 Jul 31, 2025 | Apr '25 Apr 30, 2025 | Jan '25 Jan 31, 2025 | Oct '24 Oct 31, 2024 | Jul '24 Jul 31, 2024 | Apr '24 Apr 30, 2024 | Jan '24 Jan 31, 2024 | Oct '23 Oct 31, 2023 | Jul '23 Jul 31, 2023 | Apr '23 Apr 30, 2023 | Jan '23 Jan 31, 2023 | Oct '22 Oct 31, 2022 | Jul '22 Jul 31, 2022 | Apr '22 Apr 30, 2022 | Jan '22 Jan 31, 2022 | Oct '21 Oct 31, 2021 |
Capital Expenditures | -127 | -125 | -231 | -150 | -69 | -120 | -8 | -121 | -134 | -88 | -146 | -153 | -217 | -16 | -56 | -177 | -196 | -153 | -45 | -191 |
Cash Acquisitions | -17 | - | -1,239 | - | - | - | -2,848 | - | - | - | - | - | - | - | - | 165 | -62 | -652 | - | -50 |
Investment in Securities | 19,272 | -13,929 | -9,053 | 4,965 | 346 | 817 | -1,113 | -5,785 | -5,080 | 5,815 | -880 | -6,688 | -20,228 | 16,087 | -18,753 | 5,857 | 8,217 | -6,999 | -15,898 | -4,940 |
Income (Loss) Equity Investments | -222 | -222 | -189 | -179 | -157 | -159 | -113 | -41 | -54 | -57 | -46 | -18 | -55 | -64 | -16 | -49 | -44 | -84 | -91 | -96 |
Divestitures | - | - | - | - | - | 211 | - | - | - | - | - | 895 | - | - | - | - | - | - | - | - |
Other Investing Activities | -83 | 2 | 57 | -155 | -109 | -56 | -143 | -312 | -242 | -310 | -167 | -373 | 26 | -302 | -262 | -801 | -169 | -153 | -227 | -285 |
Investing Cash Flow | 19,045 | -14,052 | -10,466 | 4,660 | 168 | 852 | -4,112 | -6,218 | -5,456 | 5,417 | -1,193 | -6,319 | -20,419 | 15,769 | -19,071 | 5,044 | 7,790 | -7,957 | -16,170 | -5,466 |
Financing Activities
Fiscal Quarter | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Jul '26 Jul 31, 2026 | Apr '26 Apr 30, 2026 | Jan '26 Jan 31, 2026 | Oct '25 Oct 31, 2025 | Jul '25 Jul 31, 2025 | Apr '25 Apr 30, 2025 | Jan '25 Jan 31, 2025 | Oct '24 Oct 31, 2024 | Jul '24 Jul 31, 2024 | Apr '24 Apr 30, 2024 | Jan '24 Jan 31, 2024 | Oct '23 Oct 31, 2023 | Jul '23 Jul 31, 2023 | Apr '23 Apr 30, 2023 | Jan '23 Jan 31, 2023 | Oct '22 Oct 31, 2022 | Jul '22 Jul 31, 2022 | Apr '22 Apr 30, 2022 | Jan '22 Jan 31, 2022 | Oct '21 Oct 31, 2021 |
Long-Term Debt Issued | 1,250 | - | - | - | - | - | - | - | 1,000 | - | - | - | 1,000 | - | 337 | - | - | 3,356 | - | - |
Total Debt Issued | 1,250 | - | - | - | - | - | - | - | 1,000 | - | - | 110 | 1,000 | - | 337 | - | - | 3,356 | - | - |
Long-Term Debt Repaid | -82 | -78 | -1,856 | - | -326 | -73 | -76 | - | -1,574 | -78 | -1,830 | - | -78 | -87 | -85 | - | -85 | -1,331 | -89 | - |
Total Debt Repaid | -82 | -78 | -1,856 | -73 | -326 | -73 | -76 | -71 | -1,574 | -78 | -1,830 | -153 | -78 | -87 | -85 | -93 | -85 | -1,331 | -89 | -102 |
Net Debt Issued (Repaid) | 1,168 | -78 | -1,856 | -73 | -326 | -73 | -76 | -71 | -574 | -78 | -1,830 | -43 | 922 | -87 | 252 | -93 | -85 | 2,025 | -89 | -102 |
Issuance of Common Stock | 56 | 29 | 111 | 116 | 10 | 2 | 82 | 505 | 483 | 467 | 490 | 482 | 467 | 428 | 25 | 5 | 7 | 21 | 104 | 14 |
Repurchase of Common Stock | -1,011 | -642 | -485 | -655 | -240 | - | - | - | - | - | - | - | - | - | - | -128 | -409 | -1,250 | -1,086 | - |
Preferred Stock Issued | - | - | - | 1,395 | - | - | 1,453 | - | - | - | 1,004 | - | - | - | - | 1,023 | 1,500 | - | - | 753 |
Preferred Share Repurchases | - | - | - | - | -1,688 | - | - | - | - | - | -300 | - | - | - | - | - | - | - | -500 | - |
Common Dividends Paid | -1,521 | -1,479 | -1,358 | -1,361 | -1,501 | -1,456 | -1,320 | -1,312 | -1,424 | - | -1,287 | - | - | -1,331 | -1,228 | -1,227 | - | - | -1,207 | -1,095 |
Preferred Dividends Paid | - | - | -132 | -115 | - | - | -122 | -121 | - | -1,418 | -108 | - | - | - | -101 | -106 | - | - | -44 | -78 |
Total Dividends Paid | -1,521 | -1,479 | -1,490 | -1,476 | -1,501 | -1,456 | -1,442 | -1,433 | -1,424 | -1,418 | -1,395 | - | -1,375 | -1,331 | -1,329 | -1,333 | -1,265 | -1,269 | -1,251 | -1,173 |
Net Increase (Decrease) in Deposit Accounts | 13,689 | 14,390 | 32,852 | 12,928 | 1,418 | -2,863 | 8,050 | -7,570 | 11,038 | -6,929 | 2,645 | -24,119 | 22,047 | -14,032 | 35,582 | 13,825 | 9,445 | 26,137 | 46,498 | 10,470 |
Other Financing Activities | 112 | -426 | -146 | 576 | 68 | -581 | -423 | 215 | -647 | -3,001 | 169 | -1,428 | 568 | -1,185 | 868 | -804 | 1,304 | -765 | -241 | 1,213 |
Financing Cash Flow | 12,493 | 11,794 | 28,986 | 12,811 | -2,259 | -4,971 | 7,644 | -8,354 | 8,876 | -10,959 | 783 | -25,108 | 22,629 | -16,207 | 35,398 | 12,495 | 10,497 | 24,899 | 43,435 | 11,175 |
Net Cash Flow
Fiscal Quarter | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Jul '26 Jul 31, 2026 | Apr '26 Apr 30, 2026 | Jan '26 Jan 31, 2026 | Oct '25 Oct 31, 2025 | Jul '25 Jul 31, 2025 | Apr '25 Apr 30, 2025 | Jan '25 Jan 31, 2025 | Oct '24 Oct 31, 2024 | Jul '24 Jul 31, 2024 | Apr '24 Apr 30, 2024 | Jan '24 Jan 31, 2024 | Oct '23 Oct 31, 2023 | Jul '23 Jul 31, 2023 | Apr '23 Apr 30, 2023 | Jan '23 Jan 31, 2023 | Oct '22 Oct 31, 2022 | Jul '22 Jul 31, 2022 | Apr '22 Apr 30, 2022 | Jan '22 Jan 31, 2022 | Oct '21 Oct 31, 2021 |
Foreign Exchange Rate Adjustments | 184 | -57 | -67 | 182 | 38 | -312 | 275 | -37 | -11 | 121 | -204 | 100 | -147 | 100 | 137 | 305 | -151 | 1 | 146 | -96 |
Net Cash Flow | 1,226 | 371 | -1,524 | -1,464 | 912 | 911 | 491 | 153 | -516 | 558 | -962 | -2,462 | 3,343 | 991 | -2,764 | 1,652 | -1,230 | 80 | 870 | 1,140 |
Free Cash Flow
Fiscal Quarter | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Jul '26 Jul 31, 2026 | Apr '26 Apr 30, 2026 | Jan '26 Jan 31, 2026 | Oct '25 Oct 31, 2025 | Jul '25 Jul 31, 2025 | Apr '25 Apr 30, 2025 | Jan '25 Jan 31, 2025 | Oct '24 Oct 31, 2024 | Jul '24 Jul 31, 2024 | Apr '24 Apr 30, 2024 | Jan '24 Jan 31, 2024 | Oct '23 Oct 31, 2023 | Jul '23 Jul 31, 2023 | Apr '23 Apr 30, 2023 | Jan '23 Jan 31, 2023 | Oct '22 Oct 31, 2022 | Jul '22 Jul 31, 2022 | Apr '22 Apr 30, 2022 | Jan '22 Jan 31, 2022 | Oct '21 Oct 31, 2021 |
Free Cash Flow | -30,623 | 2,561 | -20,208 | -19,267 | 2,896 | 5,222 | -3,324 | 14,641 | -4,059 | 5,891 | -494 | 28,712 | 1,063 | 1,313 | -19,284 | -16,369 | -19,562 | -17,016 | -26,586 | -4,664 |
Free Cash Flow Growth (YoY) | - | -50.96% | - | - | - | -11.36% | - | -49.01% | - | 348.67% | - | - | - | - | - | - | - | - | - | - |
Free Cash Flow Margin | -323.85% | 29.71% | -238.89% | -263.79% | 34.20% | 68.21% | -48.54% | 198.93% | -55.51% | 80.26% | -6.61% | 388.89% | 14.67% | 18.23% | -263.30% | -238.48% | -264.82% | -220.33% | -339.67% | -62.10% |
Free Cash Flow Per Share | -24.98 | 2.08 | -16.32 | -15.48 | 2.33 | 4.19 | -2.66 | 11.78 | -3.29 | 4.80 | -0.41 | 23.71 | 0.88 | 1.10 | -16.08 | -13.65 | -16.26 | -14.17 | -21.61 | -3.81 |
Additional Metrics
Fiscal Quarter | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Jul '26 Jul 31, 2026 | Apr '26 Apr 30, 2026 | Jan '26 Jan 31, 2026 | Oct '25 Oct 31, 2025 | Jul '25 Jul 31, 2025 | Apr '25 Apr 30, 2025 | Jan '25 Jan 31, 2025 | Oct '24 Oct 31, 2024 | Jul '24 Jul 31, 2024 | Apr '24 Apr 30, 2024 | Jan '24 Jan 31, 2024 | Oct '23 Oct 31, 2023 | Jul '23 Jul 31, 2023 | Apr '23 Apr 30, 2023 | Jan '23 Jan 31, 2023 | Oct '22 Oct 31, 2022 | Jul '22 Jul 31, 2022 | Apr '22 Apr 30, 2022 | Jan '22 Jan 31, 2022 | Oct '21 Oct 31, 2021 |
Cash Interest Paid | 7,788 | 7,422 | 8,416 | 8,757 | 8,855 | 9,074 | 10,511 | 10,935 | 10,966 | 10,045 | 10,327 | 9,801 | 9,419 | 8,257 | 7,254 | 5,385 | 3,444 | 2,330 | 2,177 | 1,929 |
Cash Income Tax Paid | 785 | 974 | 907 | 801 | 860 | 675 | 1,244 | 600 | 532 | 822 | 31 | 514 | 501 | 571 | 553 | 742 | 389 | 914 | 1,458 | 501 |