BMO · CIK 0000927971
BANK OF MONTREAL /CAN/
Annual figures as reported, FY2015–FY2025. Ratios and growth rates derived on-page.
Commercial Banks, NEC
Company profile
Revenue
C$36.3B
▲ +10.6% vs FY2024
Net income
C$8.7B
▲ +19.1% vs FY2024
Free cash flow
C$8.5B
▼ −66.1% vs FY2024
Diluted EPS
C$11.44
▲ +20.3% vs FY2024
Revenue
Annual, as reported
Net income
Annual, as reported
Profitability & returns
quality of earningsMargins
Share of revenue kept at each line
Returns on capital
Net income vs year-end equity and assets
Return on equityReturn on assets
Cash flow
cash generationFree cash flow
Operating cash flow less capital expenditure
Operating cash flow
Net cash from operations
Shareholder returns
capital allocationCapital returned
Cash paid out as dividends and share repurchases
Dividends paidBuybacks
Diluted shares outstanding
Falling count means buybacks outpace dilution
Balance sheet
financial positionStockholders’ equity
At fiscal year end
Growth rates
compounding, annualizedRevenue CAGR
+2.5%
3y
+7.6%
5y
Net income CAGR
−13.6%
3y
+11.3%
5y
Diluted EPS CAGR
−17.0%
3y
+8.7%
5y
Free cash flow CAGR
+26.7%
3y
−29.9%
5y
Share count change (split-adjusted)
+12.6%
5y
Key ratios
derived per fiscal year| Fiscal year | Net margin | FCF margin | ROE | ROA |
|---|---|---|---|---|
| FY2025 | 24.1% | 23.5% | 9.9% | 0.6% |
| FY2024 | 22.3% | 76.7% | 8.7% | 0.5% |
| FY2023 | 15.2% | 29.8% | 5.8% | 0.3% |
| FY2022 | 40.2% | 12.4% | 19.1% | 1.2% |
| FY2021 | 28.5% | 160.2% | 13.5% | 0.8% |
| FY2020 | 20.2% | 200.3% | 9.0% | 0.5% |
| FY2019 | 22.6% | 113.1% | 11.3% | 0.7% |
| FY2018 | 23.8% | 76.8% | 11.9% | 0.7% |
| FY2017 | 24.2% | 11.8% | 12.0% | 0.8% |
| FY2016 | 22.0% | −14.0% | 10.9% | — |
| FY2015 | — | — | — | — |
Annual figures
as reported| Fiscal year | Revenue | Gross profit | Op. income | Net income | Diluted EPS | Op. cash flow | Capex | Total assets | Liabilities | Equity | Cash | LT debt |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| FY2025 | C$36.3B | — | — | C$8.7B | C$11.44 | C$10.2B | C$1.7B | C$1.48T | C$1.39T | C$88.1B | C$67.5B | — |
| FY2024 | C$32.8B | — | — | C$7.3B | C$9.51 | C$26.7B | C$1.6B | C$1.41T | C$1.33T | C$84.3B | C$65.1B | — |
| FY2023 | C$29.3B | — | — | C$4.4B | C$5.76 | C$9.6B | C$885.0M | C$1.35T | C$1.27T | C$76.1B | C$77.9B | — |
| FY2022 | C$33.7B | — | — | C$13.5B | C$19.99 | C$5.0B | C$777.0M | C$1.14T | C$1.07T | C$71.0B | C$87.5B | — |
| FY2021 | C$27.2B | — | — | C$7.8B | C$11.58 | C$44.0B | C$484.0M | C$988.2B | C$930.7B | C$57.5B | C$93.3B | — |
| FY2020 | C$25.2B | — | — | C$5.1B | C$7.55 | C$50.8B | C$399.0M | C$949.3B | C$892.7B | C$56.6B | C$57.4B | — |
| FY2019 | C$25.5B | — | — | C$5.8B | C$8.66 | C$29.3B | C$478.0M | C$852.2B | C$801.1B | C$51.1B | C$48.8B | — |
| FY2018 | C$22.9B | — | — | C$5.5B | C$8.17 | C$17.9B | C$330.0M | C$773.3B | C$727.6B | C$45.7B | C$42.1B | — |
| FY2017 | C$22.1B | — | — | C$5.3B | C$7.90 | C$2.9B | C$301.0M | C$709.6B | C$665.2B | C$44.3B | C$32.6B | — |
| FY2016 | C$21.1B | — | — | C$4.6B | C$6.92 | −C$2.7B | C$224.0M | — | — | C$42.3B | C$31.7B | — |
| FY2015 | — | — | — | — | — | — | — | — | — | — | C$40.3B | — |
Latest filings
the most recent regulatory filingsFWPPSELN 262026-07-02 ↗FWPARC 68712026-07-02 ↗FWPARC 68702026-07-02 ↗FWPARC 68692026-07-02 ↗FWPARC 68682026-07-02 ↗FWPARC 68672026-07-02 ↗FWPARC 68662026-07-02 ↗FWPARC 68652026-07-02 ↗FWPARC 68642026-07-02 ↗FWPARC 68622026-07-02 ↗
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