Bank of Montreal

BMO

$176.86

+2.34%

N/A+$4.04

Financial Services

Banks - Diversified

NYSE

Active Trading

Bank of Montreal engages in the provision of diversified financial services primarily in North America. The company operates through Canadian P&C, U.S ...

Financial Highlights of BMO

Profitability trend

Latest / TTM · 6 periods

Gross Margin

45.5%

Net Margin

11.7%

P/E Ratio

19.80x

n/a

Debt / Equity

1.93

n/a

Current Ratio

0.56

Dividend Yield

2.7%

Understanding

TTM —

Current ratio below 1.0

Financial highlights

Latest / TTM · 6 periods

Snapshot

Latest / TTM: 2026-09-04

Gross Margin

45.5%

Net Margin

11.7%

P/E Ratio

19.80x

Debt / Equity

1.93

Profitability

Profitability table

Metric	2021	2022	2023	2024	2025	2026
Gross MarginGross profit as a percentage of revenue.	82.8%	69.6%	43.6%	36.0%	41.6%	—
Operating MarginOperating income as a percentage of revenue.	31.6%	48.0%	8.7%	12.1%	14.8%	—
Net MarginNet income as a percentage of revenue.	23.9%	36.3%	6.5%	9.3%	11.1%	—
EBITDA MarginEBITDA divided by revenue.	36.4%	52.0%	11.8%	14.8%	17.6%	—
Pre-tax MarginPre-tax profit as a percentage of revenue.	31.6%	48.0%	8.7%	12.1%	14.8%	—

Liquidity & leverage

Liquidity & leverage table

Metric	2021	2022	2023	2024	2025	2026
Current RatioCurrent assets divided by current liabilities.	0.23	0.17	0.20	0.14	0.14	—
Quick RatioLiquid assets divided by current liabilities.	0.23	0.17	0.20	0.14	0.14	—
Cash RatioCash and equivalents divided by current liabilities.	0.13	0.11	0.08	0.06	0.06	—
Debt / AssetsDebt as a share of total assets.	29.1%	28.7%	26.3%	26.5%	28.1%	—
Debt / EquityDebt compared with shareholder equity.	5.00	4.60	4.66	4.43	4.72	—

Operating efficiency

Operating efficiency table

Metric	2021	2022	2023	2024	2025	2026
Receivables TurnoverHow often receivables are collected in a year.	4.85x	4.60x	1.05x	1.85x	1.44x	—
Inventory TurnoverHow often inventory is sold in a year.	0.00x	0.00x	0.00x	0.00x	0.00x	—
Payables TurnoverHow often payables are paid in a year.	0.41x	0.69x	0.54x	0.96x	0.73x	—
Asset TurnoverRevenue generated per dollar of assets.	0.03x	0.03x	0.05x	0.06x	0.05x	—
Working Capital TurnoverRevenue generated per dollar of working capital.	-0.06x	-0.06x	-0.09x	-0.09x	-0.08x	—

Valuation ratios

Valuation ratios table

Metric	2021	2022	2023	2024	2025	2026
P/E RatioPrice paid for each dollar of earnings.	11.68x	6.26x	18.17x	13.32x	15.17x	—
P/B RatioPrice paid for each dollar of book value.	1.52x	1.17x	0.98x	1.10x	1.43x	—
P/S RatioPrice paid for each dollar of sales.	2.70x	2.23x	1.09x	1.18x	1.61x	—
P/FCF RatioPrice paid for each dollar of free cash flow.	2.04x	23.74x	9.39x	3.36x	14.75x	—
Dividend YieldAnnual dividend divided by current share price.	3.4%	3.1%	3.6%	4.2%	4.0%	—

Supply Chain of BMO

RELATIONS

Upstream

Fidelity National Information Services (FIS)NYSE:FIS International Business Machines (IBM)NYSE:IBM MicrosoftNASDAQ:MSFT Akamai TechnologiesNASDAQ:AKAM Elavon Inc. (subsidiary of U.S. Bancorp)NYSE:USB SalesforceNYSE:CRM LPL FinancialNASDAQ:LPLACoupa Software (Thoma Bravo portfolio)HCL TechnologiesNSE:HCLTECHBNY Mellon (Pershing)NYSE:BK Intel CorporationNASDAQ:INTC NVIDIA CorporationNASDAQ:NVDA Equinix Inc.NASDAQ:EQIX

Downstream

Retail Banking Customers (~13 million)Commercial & Corporate Banking ClientsInstitutional Clients (BMO Global Asset Management)Wealth Management Clients (High-Net-Worth)LPL FinancialNASDAQ:LPLA Mastercard Inc.NYSE:MA Visa Inc.NYSE:VInterac Corp.Western UnionNYSE:WU Allpoint Network (Fiserv)NYSE:FI

Proxies

Royal Bank of CanadaTSX:RYToronto-Dominion BankTSX:TDBank of Nova Scotia (Scotiabank)TSX:BNSCitizens Financial GroupNYSE:CFG Charles Schwab CorporationNYSE:SCHW

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