Bank of Montreal

NYSE:BMOFinancial Services

$167.47+0.87%At closeAt close · Wed 21 Oct · ≈ AED 615.03 · Market cap $116.36B · Next earnings Wed 2 Dec

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	64.2%	82.8%	69.6%	43.6%	36.0%	41.6%	—	—
Operating margin	18.5%	31.6%	48.0%	8.7%	12.1%	14.8%	14.8%	+0.0 pts
Net margin	14.8%	23.9%	36.3%	6.5%	9.3%	11.1%	11.2%	+0.0 pts
EBITDA margin	23.2%	36.4%	52.0%	11.8%	14.8%	17.6%	—	—
Return on equity	9.0%	13.5%	19.1%	5.8%	8.7%	9.9%	9.9%	+0.0 pts
Return on assets	0.5%	0.8%	1.2%	0.3%	0.5%	0.6%	0.6%	+0.0 pts
Return on capital employed	2.6%	4.5%	6.0%	1.9%	2.9%	3.3%	—	—
Debt / equity	4.9×	5.0×	4.6×	4.7×	4.4×	4.7×	4.7×	−0.1%
Debt / assets	29.0%	29.1%	28.7%	26.3%	26.5%	28.1%	—	—
Interest coverage	0.7×	1.8×	1.6×	0.2×	0.2×	0.3×	—	—
Current ratio	0.2×	0.2×	0.2×	0.2×	0.1×	0.1×	0.1×	+0.0%
Quick ratio	0.2×	0.2×	0.2×	0.2×	0.1×	0.1×	—	—
Cash ratio	0.1×	0.1×	0.1×	0.1×	0.1×	0.1×	0.1×	+0.0%
Asset turnover	0.0×	0.0×	0.0×	0.1×	0.1×	0.1×	—	—
Receivables turnover	5.8×	4.9×	4.6×	1.0×	1.9×	1.4×	—	—
Dividend payout	48.6%	38.4%	19.2%	61.1%	52.5%	57.8%	—	—

Margins, returns, leverage and liquidityUpdated 31 Oct 2025 ·

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Current snapshot ratios have no reporting date and are shown separately from fiscal periods.