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Fair value143.75Plus-36%108Price 92.41180
Q4 FY2026 · Earnings report
EPS estimate 1.58Revenue estimate 7.40B
Q4 FY2026 · Earnings report
EPS estimate 1.58Revenue estimate 7.40B
Bank of Nova Scotia total debt 1995–2026What is the debt to equity ratio? Debt to equity is a company's total debt divided by its shareholders' equity: how much it has borrowed for each dollar its owners have in the business.
Bank of Nova Scotia's total debt was 272.60B CAD on 31 July 2026, down 43.7% on a year before. At the end of fiscal year 2025 it was 504.02B CAD.
Last updated 12 Nov 2026 · Next report 2 Dec 2026
Total debt
Growth
| Fiscal year | Period ending | Total debt | Growth | Cash and short-term investments | Net cash | Debt to equity |
|---|---|---|---|---|---|---|
| Latest quarter | 31 Jul 2026 | 272.60B | -43.68% | 10.33B | -262.27B | 3.06 |
| FY2025 | 31 Oct 2025 | 504.02B | +67.63% | 108.10B | -395.93B | 5.80 |
| FY2024 | 31 Oct 2024 | 300.67B | -4.19% | 108.17B | -192.51B | 3.65 |
| FY2023 | 31 Oct 2023 | 313.81B | +0.95% | 140.83B | -172.99B | 4.08 |
| FY2022 | 31 Oct 2022 | 310.86B | +26.54% | 119.31B | -191.55B | 4.25 |
| FY2021 | 31 Oct 2021 | 245.66B | +3,217.46% | 120.05B | -125.61B | 3.47 |
| FY2020 | 31 Oct 2020 | 7.41B | -62.00% | 116.50B | 109.09B | 0.11 |
| FY2019 | 31 Oct 2019 | 19.49B | +40.34% | 81.46B | 61.98B | 0.29 |
| FY2018 | 31 Oct 2018 | 13.89B | +31.02% | 110.68B | 96.80B | 0.21 |
| FY2017 | 31 Oct 2017 | 10.60B | +16.56% | 105.59B | 94.99B | 0.18 |
| FY2016 | 31 Oct 2016 | 9.09B | +18.57% | 76.04B | 66.94B | 0.16 |
| FY2015 | 31 Oct 2015 | 7.67B | +57.42% | 97.14B | 89.47B | 0.15 |
| FY2014 | 31 Oct 2014 | 4.87B | -16.61% | 73.03B | 68.16B | 0.10 |
| FY2013 | 31 Oct 2013 | 5.84B | -79.69% | 75.80B | 69.96B | 0.13 |
| FY2012 | 31 Oct 2012 | 28.77B | +34.59% | 95.16B | 66.40B | 0.73 |
| FY2011 | 31 Oct 2011 | 21.37B | -23.55% | 58.96B | 37.59B | 0.65 |
| FY2010 | 31 Oct 2010 | 27.96B | +370.36% | 50.68B | 22.72B | 1.01 |
| FY2009 | 31 Oct 2009 | 5.94B | +36.59% | 52.63B | 46.68B | 0.24 |
| FY2008 | 31 Oct 2008 | 4.35B | +154.44% | 34.89B | 30.54B | 0.20 |
| FY2007 | 31 Oct 2007 | 1.71B | -24.68% | 25.15B | 23.44B | 0.09 |
| FY2006 | 31 Oct 2006 | 2.27B | -32.16% | 20.01B | 17.74B | 0.13 |
| FY2005 | 31 Oct 2005 | 3.35B | +28.00% | 17.68B | 14.34B | 0.21 |
| FY2004 | 31 Oct 2004 | 2.62B | -1.73% | 14.85B | 12.24B | 0.17 |
| FY2003 | 31 Oct 2003 | 2.66B | -31.39% | 18.48B | 15.82B | 0.18 |
| FY2002 | 31 Oct 2002 | 3.88B | -27.42% | 18.25B | 14.37B | 0.26 |
| FY2001 | 31 Oct 2001 | 5.34B | -0.49% | 18.43B | 13.09B | 0.37 |
| FY2000 | 31 Oct 2000 | 5.37B | -1.18% | 17.44B | 12.07B | 0.41 |
| FY1999 | 31 Oct 1999 | 5.43B | -6.08% | 17.12B | 11.68B | 0.48 |
| FY1998 | 31 Oct 1998 | 5.79B | +5.07% | 22.90B | 17.11B | 0.54 |
| FY1997 | 31 Oct 1997 | 5.51B | +48.44% | 18.17B | 12.67B | 0.59 |
| FY1996 | 31 Oct 1996 | 3.71B | +5.22% | 14.74B | 11.03B | 0.48 |
| FY1995 | 31 Oct 1995 | 3.53B | — | 16.73B | 13.20B | 0.48 |
| Quarter | Period ending | Total debt | Growth on a year before | Cash and short-term investments | Net cash | Debt to equity |
|---|---|---|---|---|---|---|
| Q3 FY2026 | 31 Jul 2026 | 272.60B | -43.68% | 10.33B | -262.27B | 3.06 |
| Q2 FY2026 | 30 Apr 2026 | 578.79B | +20.55% | 356.26B | -222.53B | 6.64 |
| Q1 FY2026 | 31 Jan 2026 | 524.60B | +6.76% | 344.77B | -179.83B | 5.99 |
| Q4 FY2025 | 31 Oct 2025 | 504.02B | +67.63% | 108.10B | -395.93B | 5.80 |
| Q3 FY2025 | 31 Jul 2025 | 484.05B | +61.19% | 191.81B | -292.24B | 5.78 |
| Q2 FY2025 | 30 Apr 2025 | 480.12B | +112.27% | 189.43B | -290.69B | 5.65 |
| Q1 FY2025 | 31 Jan 2025 | 491.38B | +60.67% | 321.28B | -170.10B | 5.79 |
| Q4 FY2024 | 31 Oct 2024 | 300.67B | -4.19% | 108.17B | -192.51B | 3.65 |
| Q3 FY2024 | 31 Jul 2024 | 300.30B | -7.91% | 176.90B | -123.40B | 3.68 |
| Q2 FY2024 | 30 Apr 2024 | 226.19B | -25.67% | 169.33B | -56.86B | 2.85 |
| Q1 FY2024 | 31 Jan 2024 | 305.83B | -0.18% | 171.44B | -134.39B | 3.88 |
| Q4 FY2023 | 31 Oct 2023 | 313.81B | +0.95% | 140.83B | -172.99B | 4.08 |
| Q3 FY2023 | 31 Jul 2023 | 326.08B | +21.35% | 170.55B | -155.53B | 4.29 |
| Q2 FY2023 | 30 Apr 2023 | 304.31B | +10.05% | 150.45B | -153.86B | 3.94 |
| Q1 FY2023 | 31 Jan 2023 | 306.39B | +17.92% | 166.50B | -139.90B | 4.13 |
| Q4 FY2022 | 31 Oct 2022 | 310.86B | +26.54% | 119.31B | -191.55B | 4.25 |
| Q3 FY2022 | 31 Jul 2022 | 268.71B | +33.06% | 152.67B | -116.05B | 3.73 |
| Q2 FY2022 | 30 Apr 2022 | 276.53B | +32.46% | 168.05B | -108.48B | 3.93 |
| Q1 FY2022 | 31 Jan 2022 | 259.83B | +22.52% | 161.84B | -97.99B | 3.62 |
| Q4 FY2021 | 31 Oct 2021 | 245.66B | +3,217.46% | 120.05B | -125.61B | 3.47 |
| Q3 FY2021 | 31 Jul 2021 | 201.95B | -14.11% | 135.89B | -66.06B | 2.88 |
| Q2 FY2021 | 30 Apr 2021 | 208.77B | -23.11% | 114.16B | -94.62B | 3.07 |
| Q1 FY2021 | 31 Jan 2021 | 212.08B | -24.05% | 160.03B | -52.05B | 3.09 |
| Q4 FY2020 | 31 Oct 2020 | 7.41B | -62.00% | 116.50B | 109.09B | 0.11 |
| Q3 FY2020 | 31 Jul 2020 | 235.13B | -6.25% | 144.35B | -90.78B | 3.45 |
| Q2 FY2020 | 30 Apr 2020 | 271.53B | +10.04% | 188.84B | -82.70B | 4.00 |
| Q1 FY2020 | 31 Jan 2020 | 279.24B | +11.49% | 125.06B | -154.18B | 4.14 |
| Q4 FY2019 | 31 Oct 2019 | 19.49B | +40.34% | 81.46B | 61.98B | 0.29 |
| Q3 FY2019 | 31 Jul 2019 | 250.80B | +1,780.16% | 103.02B | -147.78B | 3.72 |
| Q2 FY2019 | 30 Apr 2019 | 246.75B | +1,915.63% | 110.78B | -135.97B | 3.66 |
| Q1 FY2019 | 31 Jan 2019 | 250.47B | +2,230.85% | 109.73B | -140.75B | 3.77 |
| Q4 FY2018 | 31 Oct 2018 | 13.89B | +31.02% | 110.68B | 96.80B | 0.21 |
| Q3 FY2018 | 31 Jul 2018 | 13.34B | +24.10% | 105.18B | 91.84B | 0.21 |
| Q2 FY2018 | 30 Apr 2018 | 12.24B | +20.42% | 114.33B | 102.08B | 0.20 |
| Q1 FY2018 | 31 Jan 2018 | 10.75B | +16.96% | 110.89B | 100.14B | 0.18 |
| Q4 FY2017 | 31 Oct 2017 | 10.60B | +16.56% | 105.59B | 94.99B | 0.18 |
| Q3 FY2017 | 31 Jul 2017 | 10.75B | +16.32% | 107.42B | 96.67B | 0.19 |
| Q2 FY2017 | 30 Apr 2017 | 10.17B | +11.37% | 99.37B | 89.21B | 0.17 |
| Q1 FY2017 | 31 Jan 2017 | 9.19B | -1.64% | 99.64B | 90.45B | 0.16 |
| Q4 FY2016 | 31 Oct 2016 | 9.09B | +18.57% | 76.04B | 66.94B | 0.16 |
| Q3 FY2016 | 31 Jul 2016 | 9.24B | +22.24% | 117.88B | 108.63B | 0.17 |
| Q2 FY2016 | 30 Apr 2016 | 9.13B | +26.15% | 108.47B | 99.34B | 0.17 |
| Q1 FY2016 | 31 Jan 2016 | 9.34B | +63.62% | 120.93B | 111.59B | 0.17 |
| Q4 FY2015 | 31 Oct 2015 | 7.67B | +57.42% | 97.14B | 89.47B | 0.15 |
| Q3 FY2015 | 31 Jul 2015 | 7.56B | +55.14% | 123.79B | 116.23B | 0.15 |
| Q2 FY2015 | 30 Apr 2015 | 7.24B | +48.77% | 100.32B | 93.08B | 0.15 |
| Q1 FY2015 | 31 Jan 2015 | 5.71B | -2.81% | 106.62B | 100.91B | 0.11 |
| Q4 FY2014 | 31 Oct 2014 | 4.87B | -16.61% | 73.03B | 68.16B | 0.10 |
| Q3 FY2014 | 31 Jul 2014 | 4.87B | -30.58% | 49.96B | 45.09B | 0.10 |
| Q2 FY2014 | 30 Apr 2014 | 4.86B | -31.37% | 59.76B | 54.89B | 0.11 |
| Q1 FY2014 | 31 Jan 2014 | 5.87B | -33.10% | 55.32B | 49.45B | 0.13 |
| Q4 FY2013 | 31 Oct 2013 | 5.84B | -42.41% | 75.80B | 69.96B | 0.13 |
| Q3 FY2013 | 31 Jul 2013 | 7.02B | -75.81% | 52.16B | 45.14B | 0.16 |
| Q2 FY2013 | 30 Apr 2013 | 7.09B | -75.80% | 55.16B | 48.07B | 0.17 |
| Q1 FY2013 | 31 Jan 2013 | 8.78B | -66.35% | 53.12B | 44.34B | 0.21 |
| Q4 FY2012 | 31 Oct 2012 | 10.14B | +71.25% | 82.77B | 72.63B | 0.26 |
| Q3 FY2012 | 31 Jul 2012 | 29.02B | +3.83% | 71.62B | 42.59B | 0.79 |
| Q2 FY2012 | 30 Apr 2012 | 29.29B | -6.59% | 77.74B | 48.45B | 0.84 |
| Q1 FY2012 | 31 Jan 2012 | 26.09B | -17.51% | 63.70B | 37.61B | 0.80 |
| Q4 FY2011 | 31 Oct 2011 | 5.92B | -0.27% | 64.25B | 58.33B | 0.18 |
| Q3 FY2011 | 31 Jul 2011 | 27.95B | +0.33% | 62.32B | 34.37B | 0.88 |
| Q2 FY2011 | 30 Apr 2011 | 31.36B | +6.29% | 75.70B | 44.34B | 1.02 |
| Q1 FY2011 | 31 Jan 2011 | 31.63B | +59.88% | 56.59B | 24.96B | 1.13 |
| Q4 FY2010 | 31 Oct 2010 | 5.94B | -0.08% | 59.44B | 53.50B | 0.21 |
| Q3 FY2010 | 31 Jul 2010 | 27.86B | +37.24% | 54.40B | 26.54B | 1.05 |
| Q2 FY2010 | 30 Apr 2010 | 29.50B | +37.42% | 61.68B | 32.18B | 1.15 |
| Q1 FY2010 | 31 Jan 2010 | 19.78B | +265.91% | 61.03B | 41.25B | 0.78 |
| Q4 FY2009 | 31 Oct 2009 | 5.94B | +36.59% | 52.63B | 46.68B | 0.24 |
| Q3 FY2009 | 31 Jul 2009 | 20.30B | +402.67% | 33.14B | 12.84B | 0.87 |
| Q2 FY2009 | 30 Apr 2009 | 21.47B | +444.00% | 37.40B | 15.93B | 0.94 |
| Q1 FY2009 | 31 Jan 2009 | 5.41B | +151.53% | 30.27B | 24.86B | 0.24 |
| Q4 FY2008 | 31 Oct 2008 | 4.35B | +154.44% | 34.89B | 30.54B | 0.20 |
| Q3 FY2008 | 31 Jul 2008 | 4.04B | +127.62% | 28.62B | 24.58B | 0.19 |
| Q2 FY2008 | 30 Apr 2008 | 3.95B | +71.53% | 28.82B | 24.87B | 0.19 |
| Q1 FY2008 | 31 Jan 2008 | 2.15B | -8.13% | 32.25B | 30.10B | 0.11 |
| Q4 FY2007 | 31 Oct 2007 | 1.71B | -24.68% | 25.15B | 23.44B | 0.09 |
| Q3 FY2007 | 31 Jul 2007 | 1.77B | -41.36% | 25.42B | 23.64B | 0.09 |
| Q2 FY2007 | 30 Apr 2007 | 2.30B | +1.46% | 26.50B | 24.20B | 0.12 |
| Q1 FY2007 | 31 Jan 2007 | 2.34B | -29.70% | 22.79B | 20.45B | 0.12 |
| Q4 FY2006 | 31 Oct 2006 | 2.27B | -32.16% | 20.01B | 17.74B | 0.13 |
| Q3 FY2006 | 31 Jul 2006 | 3.03B | -10.16% | 20.42B | 17.40B | 0.18 |
| Q2 FY2006 | 30 Apr 2006 | 2.27B | -13.90% | 21.65B | 19.38B | 0.14 |
| Q1 FY2006 | 31 Jan 2006 | 3.33B | -1.38% | 20.37B | 17.04B | 0.21 |
| Q4 FY2005 | 31 Oct 2005 | 3.35B | +28.00% | 17.68B | 14.34B | 0.21 |
| Q3 FY2005 | 31 Jul 2005 | 3.37B | +26.33% | 19.81B | 16.44B | 0.21 |
| Q2 FY2005 | 30 Apr 2005 | 2.63B | -1.96% | 18.09B | 15.46B | 0.17 |
| Q1 FY2005 | 31 Jan 2005 | 3.38B | +26.69% | 17.78B | 14.40B | 0.22 |
| Q4 FY2004 | 31 Oct 2004 | 2.62B | -1.73% | 14.85B | 12.24B | 0.17 |
| Q3 FY2004 | 31 Jul 2004 | 2.67B | -1.30% | 18.25B | 15.58B | 0.17 |
| Q2 FY2004 | 30 Apr 2004 | 2.69B | -12.59% | 18.08B | 15.40B | 0.17 |
| Q1 FY2004 | 31 Jan 2004 | 2.66B | -30.84% | 16.72B | 14.06B | 0.18 |
| Q4 FY2003 | 31 Oct 2003 | 2.66B | -31.39% | 18.48B | 15.82B | 0.18 |
| Q3 FY2003 | 31 Jul 2003 | 2.70B | -30.68% | 17.08B | 14.38B | 0.18 |
| Q2 FY2003 | 30 Apr 2003 | 3.07B | -38.16% | 16.87B | 13.79B | 0.21 |
| Q1 FY2003 | 31 Jan 2003 | 3.85B | -22.83% | 15.48B | 11.63B | 0.26 |
| Q4 FY2002 | 31 Oct 2002 | 3.88B | -27.42% | 18.25B | 14.37B | 0.26 |
| Q3 FY2002 | 31 Jul 2002 | 3.90B | -26.17% | 19.43B | 15.54B | 0.26 |
| Q2 FY2002 | 30 Apr 2002 | 4.97B | -6.66% | 18.74B | 13.77B | 0.34 |
| Q1 FY2002 | 31 Jan 2002 | 4.99B | -6.13% | 19.80B | 14.81B | 0.35 |
| Q4 FY2001 | 31 Oct 2001 | 5.34B | -0.49% | 18.43B | 13.09B | 0.37 |
| Q3 FY2001 | 31 Jul 2001 | 5.28B | -0.96% | 14.74B | 9.46B | 0.38 |
| Q2 FY2001 | 30 Apr 2001 | 5.32B | -0.71% | 19.28B | 13.96B | 0.39 |
| Q1 FY2001 | 31 Jan 2001 | 5.32B | -0.45% | 21.78B | 16.46B | 0.40 |
| Q4 FY2000 | 31 Oct 2000 | 5.37B | -1.18% | 17.44B | 12.07B | 0.41 |
| Q3 FY2000 | 31 Jul 2000 | 5.33B | -2.27% | 19.04B | 13.72B | 0.43 |
| Q2 FY2000 | 30 Apr 2000 | 5.36B | +6.45% | 21.08B | 15.72B | 0.45 |
| Q1 FY2000 | 31 Jan 2000 | 5.34B | +2.01% | 17.91B | 12.57B | 0.46 |
| Q4 FY1999 | 31 Oct 1999 | 5.43B | -6.08% | 17.12B | 11.68B | 0.48 |
| Q3 FY1999 | 31 Jul 1999 | 5.45B | -11.57% | 19.63B | 14.18B | 0.47 |
| Q2 FY1999 | 30 Apr 1999 | 5.04B | -12.75% | 17.45B | 12.41B | 0.45 |
| Q1 FY1999 | 31 Jan 1999 | 5.24B | +0.13% | 20.75B | 15.51B | 0.48 |
| Q4 FY1998 | 31 Oct 1998 | 5.79B | +5.07% | 22.90B | 17.11B | 0.54 |
| Q3 FY1998 | 31 Jul 1998 | 6.16B | +20.72% | 19.11B | 12.95B | 0.59 |
| Q2 FY1998 | 30 Apr 1998 | 5.77B | +59.08% | 18.82B | 13.04B | 0.59 |
| Q1 FY1998 | 31 Jan 1998 | 5.23B | +46.02% | 20.66B | 15.43B | 0.54 |
| Q4 FY1997 | 31 Oct 1997 | 5.51B | +48.44% | 18.17B | 12.67B | 0.59 |
| Q3 FY1997 | 31 Jul 1997 | 5.11B | +53.15% | 16.06B | 10.95B | 0.60 |
| Q2 FY1997 | 30 Apr 1997 | 3.63B | +8.82% | 17.25B | 13.62B | 0.44 |
| Q1 FY1997 | 31 Jan 1997 | 3.58B | +17.41% | 14.05B | 10.47B | 0.45 |
| Q4 FY1996 | 31 Oct 1996 | 3.71B | — | 14.74B | 11.03B | 0.48 |
| Q3 FY1996 | 31 Jul 1996 | 3.33B | — | 16.81B | 13.48B | 0.42 |
| Q2 FY1996 | 30 Apr 1996 | 3.34B | — | 15.29B | 11.95B | 0.43 |
| Q1 FY1996 | 31 Jan 1996 | 3.05B | — | 14.82B | 11.77B | 0.41 |
Figures in CAD at the end of each period. Net cash is cash and short-term investments less total debt; book value per share is on the diluted share count. The latest column is the most recent quarter.
Total debt counts commercial paper, term debt and lease liabilities.
See also:Revenue,Net income,EPS,Shares outstanding,Operating income,Cash on hand,Free cash flow,Stock buybacks,Balance sheet
Common questions about Bank of Nova Scotia's debt
Source: Financial Modeling Prep