10 Year Financial Data of Bank of Nova Scotia (BNS)

57.48 (1y: +13%)

Market Cap	68.89 B	P/E(ttm)	11.30
Enterprise Value	34.56 B	P/B	2.01

BNS- NYSE (USA)
Bank of Nova Scotia

Currently 4/5

Business Predictability Rank: 4-Star
Back Testing Results:
Average gain of all 4-Star stocks: 9.8% per year.
% of Stocks that are in still loss if held for 10yrs: 8%.
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$57.48

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Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	6.8	8.9	6.9
EBITDA Growth (%)	7.2	14.4	8.3
Free Cash Flow Growth (%)	0	0	-53.4
Book Value Growth (%)	10.6	11.9	18.3

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

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See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals											Quarterly
Fiscal Period	Oct03	Oct04	Oct05	Oct06	Oct07	Oct08	Oct09	Oct10	Oct11	Oct12	TTM	Jan12	Apr12	Jul12	Oct12	Jan13

Revenue per Share ($)	9.72	9.73	10.08	10.98	12.28	11.73	13.95	14.70	15.78	16.87	17.12	4.11	3.95	4.66	4.23	4.28
EBITDA per Share	3.61	3.96	4.19	4.68	5.40	4.19	4.94	6.09	6.47	7.18	7.26	1.70	1.66	2.21	1.61	1.78
Free Cashflow per Share	-6.80	0.93	-3.22	-5.84	1.98	19.86	-10.85	-3.08	0.97	6.82	8.29	6.77	11.32	-3.47	-7.50	7.94
Earnings per Share ($)	2.30	2.76	3.09	3.48	3.93	2.99	3.25	3.83	4.53	5.12	5.16	1.18	1.13	1.66	1.15	1.23
Dividends Per Share	0.83	1.08	1.29	1.47	1.70	1.89	1.92	1.92	2.01	2.15	2.20	0.51	0.54	0.54	0.56	0.56
Book Value per Share	13.20	14.03	15.00	16.60	16.88	18.54	20.32	22.43	25.90	29.79	29.94	24.50	25.66	27.40	29.12	29.94
Month End Stock Price	24.85	32.51	36.38	43.91	56.22	33.54	41.78	53.51	52.61	54.38	58.87	51.32	55.46	52.19	54.38	58.87
Ratios	Annuals											Quarterly
Fiscal Period	Oct03	Oct04	Oct05	Oct06	Oct07	Oct08	Oct09	Oct10	Oct11	Oct12	Latest Q.	Jan12	Apr12	Jul12	Oct12	Jan13

Return on Equity %	16.90	19.20	20.00	20.40	21.50	14.50	14.30	15.30	15.80	15.80	15.20	17.20	16.00	21.60	14.80	15.20
Return on Assets %	0.90	1.00	1.00	0.90	1.00	0.60	0.70	0.80	0.90	0.90	0.80	0.80	0.80	1.20	0.80	0.80
Debt to Equity	0.18	0.17	0.21	0.13	0.09	0.20	0.85	1.01	0.65	0.73	0.81	0.80	0.90	0.79	0.73	0.81

Operating Margin %	34.80	38.60	39.70	40.60	41.80	33.30	33.20	39.20	38.60	40.30	39.20	39.20	39.90	45.20	35.70	39.20
Net Margin %	24.40	28.80	30.90	31.90	32.40	26.40	24.50	27.30	29.90	31.30	29.70	29.60	29.60	36.30	28.30	29.70

Debt to Revenue	0.26	0.26	0.32	0.20	0.14	0.37	1.46	1.80	1.24	1.44	6.37	5.53	6.66	5.27	5.61	6.37
Interest Exp. to Revenue %	60.49	57.60	56.45	57.17	56.83	63.77	57.61	55.60	53.62	50.11	52.77	50.36	52.74	46.57	50.33	52.77

Asset Turnover	0.04	0.04	0.03	0.03	0.03	0.02	0.03	0.03	0.03	0.03	0.01	0.01	0.01	0.01	0.01	0.01
Buyback Ratio	--	--	--	--	--	--	-16.80	-18.10	-14.30	-66.30	-18.00	-12.20	-128	-9.40	-129	-18.00
Dividend Payout Ratio	0.36	0.39	0.42	0.43	0.44	0.62	0.57	0.49	0.43	0.42	0.45	0.43	0.47	0.33	0.48	0.45
Income Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Oct03	Oct04	Oct05	Oct06	Oct07	Oct08	Oct09	Oct10	Oct11	Oct12	TTM	Jan12	Apr12	Jul12	Oct12	Jan13

Net Interest Income	6,030	5,749	5,756	6,282	6,959	7,426	8,165	8,452	9,088	9,807	10,195	2,328	2,432	2,517	2,529	2,717
Non Interest Income	3,937	4,235	4,441	4,706	5,286	4,218	6,009	6,749	7,861	9,765	9,994	2,295	2,179	2,887	2,496	2,431
Revenue	9,967	9,984	10,196	10,987	12,245	11,644	14,174	15,201	16,949	19,572	20,189	4,624	4,612	5,404	5,025	5,148

Selling, General, &Admin. Expense	3,296	3,590	3,647	3,921	4,210	4,342	640	690	6,051	1,050	2,568	309	250	255	304	1,759
Credit Losses Provision	875	382	226	212	264	618	1,710	1,215	1,025	1,227	1,272	260	259	394	315	304
Other Expenses	2,091	1,946	2,080	2,170	2,385	2,525	6,800	7,004	2,923	8,965	7,793	2,138	2,159	2,197	2,496	941
Earnings Before DDA	3,705	4,066	4,244	4,684	5,386	4,159	5,024	6,292	6,950	8,329	8,557	1,917	1,944	2,558	1,911	2,144

Depreciation, Depletion and Amortization	233	212	198	225	262	285	324	327	403	441	463	104	106	115	117	125

Operating Income	3,473	3,855	4,046	4,458	5,124	3,874	4,700	5,965	6,547	7,888	8,094	1,813	1,838	2,443	1,794	2,019
Net Income	2,428	2,874	3,146	3,509	3,966	3,078	3,477	4,156	5,074	6,121	6,278	1,371	1,364	1,962	1,425	1,528

Preferred dividends	69.82	38.25	24.31	29.70	50.08	105	182	197	212	216	216	53.92	53.92	53.92	53.92	53.92
Earnings per Share ($)	2.30	2.76	3.09	3.48	3.93	2.99	3.25	3.83	4.53	5.12	5.16	1.18	1.13	1.66	1.15	1.23
Total Shares Outstanding	1,026	1,026	1,012	1,001	997	993	1,016	1,034	1,074	1,160	1,204	1,125	1,168	1,160	1,187	1,204
Balance Sheet	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Oct03	Oct04	Oct05	Oct06	Oct07	Oct08	Oct09	Oct10	Oct11	Oct12	Latest Q.	Jan12	Apr12	Jul12	Oct12	Jan13

Cash and cash equivalents	18,121	14,562	17,337	19,621	24,656	34,209	42,429	45,125	53,403	65,874	62,838	62,452	76,214	70,211	65,874	62,838
Money Market Investments	--	--	--	--	22,100	19,069	17,425	27,373	33,904	46,425	72,020	39,377	43,601	45,718	46,425	72,020
Net Loan	171,667	171,768	191,005	228,479	227,147	288,680	266,302	284,224	298,702	364,766	380,990	334,535	338,300	349,567	357,614	380,990
Securities & Investments	61,952	57,621	83,413	93,629	87,093	86,309	114,994	114,277	117,523	118,487	140,290	115,993	120,540	121,743	118,487	140,290
Accounts Receivable	2,940	2,577	2,526	--	2,606	--	--	--	--	5,400	--	4,841	--	5,229	--	--
Property, Plant and Equipment	1,906	1,835	1,896	2,212	2,227	2,635	2,325	2,402	2,502	2,216	2,251	2,572	2,580	2,103	2,216	2,251
Intangible Assets	543	491	719	1,144	1,379	2,505	3,401	3,568	7,514	8,522	10,142	7,522	8,464	8,537	8,522	10,142
Other Assets	23,157	24,883	10,973	26,489	36,234	64,265	39,904	39,362	50,429	43,256	53,391	57,272	57,056	53,725	55,808	53,391
Total Assets	280,286	273,738	307,868	371,574	403,441	497,672	486,780	516,330	563,976	654,945	721,923	624,564	646,755	656,833	654,945	721,923

Total Deposits	188,894	191,369	213,181	258,740	282,802	339,784	343,548	354,559	388,604	454,519	502,511	442,754	451,870	451,982	454,519	502,511
Accounts Payable	4,727	5,281	5,127	6,642	6,538	7,308	--	--	--	9,547	--	8,222	--	8,654	--	--
Current Portion of Long-Term Debt	--	--	--	--	--	--	14,400	21,097	15,147	18,257	24,189	16,803	21,956	20,373	18,257	24,189
Long-Term Debt	2,609	2,564	3,282	2,226	1,677	4,267	6,318	6,313	5,807	9,944	8,608	8,778	8,767	8,079	9,944	8,608
Other liabilities	69,729	59,587	70,511	86,764	93,989	125,095	98,228	107,273	122,301	123,820	146,270	116,148	129,898	131,669	133,367	146,270
Total Liabilities	265,959	258,801	292,101	354,371	385,006	476,455	462,494	489,241	531,859	616,086	681,577	592,705	612,490	620,757	616,086	681,577

Preferred Stock	785	539	588	588	1,603	2,803	3,637	3,897	4,298	4,298	4,298	4,298	4,298	4,298	4,298	4,298
Retained Earnings	11,517	12,980	13,849	15,533	17,118	18,185	19,525	21,502	24,178	21,547	22,360	18,848	19,546	20,836	21,547	22,360
Additional Paid-In Capital	3,080	3,165	3,252	3,358	3,496	3,754	4,849	5,662	8,267	12,881	13,286	8,891	10,749	10,944	12,881	13,286
Total Equity	14,328	14,937	15,767	17,203	18,435	21,217	24,286	27,089	32,118	38,859	40,345	31,859	34,265	36,076	38,859	40,345
Cashflow Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Oct03	Oct04	Oct05	Oct06	Oct07	Oct08	Oct09	Oct10	Oct11	Oct12	TTM	Jan12	Apr12	Jul12	Oct12	Jan13

Net Income	2,428	2,874	3,146	3,509	3,966	3,078	3,477	4,156	5,165	6,339	6,525	1,408	1,431	2,011	1,489	1,593
Depreciation, Depletion and Amortization	233	212	198	225	262	285	324	327	403	441	463	104	106	115	117	125
Cash Flow from Others	-9,632	-2,126	-6,601	-9,582	-2,256	16,354	-14,631	-7,371	-4,525	1,130	2,870	6,104	11,687	-6,148	-10,513	7,843
Cash Flow from Operations	-6,971	959	-3,256	-5,847	1,972	19,717	-10,830	-2,887	1,042	7,911	9,857	7,616	13,225	-4,023	-8,907	9,562

Investment for Property, Plant & Equipement	--	--	--	--	--	--	-195	-298	--	--	--	--	--	--	--	--
Cash Flow from Acquisitions	--	--	--	--	--	--	--	--	--	-449	-3,108	-492	-79.41	119	3.92	-3,151
Cash Flow from Investing	-1,783	3,301	-26,996	-46,358	-44,138	-50,726	-7,970	-25,228	-33,116	-11,112	-13,276	-7,692	-11,110	3,176	4,514	-9,857

Net Issuance of Stock	-546	-455	-629	-228	-507	191	574	738	722	4,118	4,232	172	1,829	189	1,927	286
Net Issuance of Preferred Stock	--	--	--	--	1,015	1,201	588	260	--	--	--	--	--	--	--	--
Net Issuance of Debt	310	-9,352	10,166	9,937	-501	4,261	4,712	6,726	-6,313	3,167	1,892	--	-9.80	-9.80	3,186	-1,275
Cash Flow for Dividends	-883	-1,116	-1,316	-1,484	-1,736	-1,964	-2,133	-2,180	-2,369	-2,816	-2,900	-689	-678	-725	-724	-774
Other Financing	10,318	7,720	22,635	43,821	44,008	27,455	16,030	23,073	40,644	-454	347	159	-114	-553	53.92	960
Cash Flow from Financing	9,200	-3,203	30,856	52,047	42,278	31,144	19,771	28,617	32,684	4,015	3,572	-359	1,027	-1,098	4,444	-802

Net Change in Cash	447	1,057	603	-158	113	137	766	368	553	727	60.78	-436	3,104	-1,994	53.92	-1,103

Free Cash Flow	-6,971	959	-3,256	-5,847	1,972	19,717	-11,025	-3,185	1,042	7,911	9,857	7,616	13,225	-4,023	-8,907	9,562
Valuation Ratios (Daily)	Annuals											Quarterly
Fiscal Period	Oct03	Oct04	Oct05	Oct06	Oct07	Oct08	Oct09	Oct10	Oct11	Oct12	Latest Q.	Jan12	Apr12	Jul12	Oct12	Jan13

PE Ratio(ttm)
Price to Tangible Book
Price-to-Free-Cash-Flow ratio
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Forward Rate of Return
Shiller PE Ratio
Valuation and Quality	Annuals											Quarterly
Fiscal Period	Oct03	Oct04	Oct05	Oct06	Oct07	Oct08	Oct09	Oct10	Oct11	Oct12	Latest Q.	Jan12	Apr12	Jul12	Oct12	Jan13

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
DCF (per share)
Median PS (per share)
Peter Lynch Fair Value (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score

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