Bank Of Montreal /Can/ - Understand $bmo stock

$BMO Market Cap: $81.47 Billion

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

Gross Margin

Net Earnings

$6.268B

TTM

Current Assets

Current Liabilities

$203.1B

Q3 2024

Current Ratio

Total Assets

$1400B

Q3 2024

Total Liabilities

$1318B

Q3 2024

Book Value

$82.93B

Q3 2024

Cash

P/E

13.00

Nov 29, 2024 EST

Free Cash Flow

$26.21B

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Revenue
YoY Change

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Revenue
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$2.099B	$1.480B	$1.425B	$1.421B	$989.0M	$903.0M	$876.0M	$828.0M	$789.0M	$747.0M	$694.0M	$682.0M	$538.0M	$470.0M	$472.0M	$435.0M	$436.0M	$404.0M	$471.0M	$469.0M	$491.0M	$496.0M	$524.0M	$489.0M	$493.0M	$401.0M	$433.0M	$300.0M
YoY Change	41.82%	3.86%	0.28%	43.68%	9.52%	3.08%	5.8%	4.94%	5.62%	7.64%	1.76%	26.77%	14.47%	-0.42%	8.51%	-0.23%	7.92%	-14.23%	0.43%	-4.48%	-1.01%	-5.34%	7.16%	-0.81%	22.94%	-7.39%	44.33%	8.7%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Interest Expense
YoY Change
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Pretax Income	$5.863B	$17.89B	$10.26B	$6.348B	$7.272B	$7.414B	$6.631B	$5.732B	$5.341B	$5.236B	$5.250B	$5.030B	$3.990B	$3.571B	$2.080B	$1.981B	$2.395B	$3.456B	$3.328B	$3.283B	$2.455B	$1.903B	$2.014B	$2.865B	$2.139B	$2.185B	$2.175B	$1.945B
YoY Change	-67.22%	74.36%	61.59%	-12.71%	-1.92%	11.81%	15.68%	7.32%	2.01%	-0.27%	4.37%	26.07%	11.73%	71.68%	5.0%	-17.29%	-30.7%	3.85%	1.37%	33.73%	29.01%	-5.51%	-29.7%	33.94%	-2.11%	0.46%	11.83%	17.1%
Income Tax	$1.486B	$4.349B	$2.504B	$1.251B	$1.514B	$1.536B	$1.292B	$1.101B	$936.0M	$903.0M	$1.055B	$874.0M	$876.0M	$687.0M	$217.0M	-$71.00M	$189.0M	$717.0M	$874.0M	$971.0M	$652.0M	$424.0M	$501.0M	$989.0M	$736.0M	$810.0M	$845.0M	$757.0M
% Of Pretax Income	25.35%	24.32%	24.41%	19.71%	20.82%	20.72%	19.48%	19.21%	17.52%	17.25%	20.1%	17.38%	21.95%	19.24%	10.43%	-3.58%	7.89%	20.75%	26.26%	29.58%	26.56%	22.28%	24.88%	34.52%	34.41%	37.07%	38.85%	38.92%
Net Earnings	$4.034B	$13.54B	$7.754B	$5.097B	$5.758B	$5.453B	$5.337B	$4.622B	$4.370B	$4.277B	$4.130B	$4.082B	$3.041B	$2.810B	$1.787B	$1.978B	$2.131B	$2.663B	$2.396B	$2.295B	$1.781B	$1.417B	$1.471B	$1.857B	$1.382B	$1.350B	$1.305B	$1.168B
YoY Change	-70.2%	74.58%	52.13%	-11.48%	5.59%	2.17%	15.47%	5.77%	2.17%	3.56%	1.18%	34.23%	8.22%	57.25%	-9.66%	-7.18%	-19.98%	11.14%	4.4%	28.86%	25.69%	-3.67%	-20.79%	34.37%	2.37%	3.45%	11.73%	18.46%
Net Earnings / Revenue
Basic Earnings Per Share
Diluted Earnings Per Share	$5.68	$20.33M	$11.95M	$7.939M	$8.997M	$8.454M	$8.186M	$7.155M	$6.754M	$6.600M	$6.354M	$6.290M	$5.010M	$4.991M	$3.297M	$3.901M	$4.187M	$5.211M	$4.689M	$4.456M	$3.513M	$2.840M	$2.807M	$3.433M	$2.545M	$2.491M	$2.426M	$2.175M

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$6.241B	$4.841B	$4.454B	$4.183B	$2.055B	$1.986B	$2.033B	$2.147B	$2.285B	$2.276B	$2.168B	$2.120B	$2.061B	$1.560B	$1.634B	$2.227B	$1.980B	$2.047B	$1.847B	$2.020B	$2.045B	$2.159B	$2.170B	$2.171B	$2.228B	$2.311B	$2.058B	$1.867B
YoY Change	28.92%	8.69%	6.48%	103.55%	3.47%	-2.31%	-5.31%	-6.04%	0.4%	4.98%	2.26%	2.86%	32.12%	-4.53%	-26.63%	12.47%	-3.27%	10.83%	-8.56%	-1.22%	-5.28%	-0.51%	-0.05%	-2.56%	-3.59%	12.29%	10.23%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$4.387B	$2.493B	$2.274B	$1.635B	$1.800B	$2.703B	$3.373B	$3.101B	$3.664B	$3.280B	$3.219B	$3.414B	$3.766B	$2.459B	$1.330B	$1.121B	$1.094B	$1.195B	$1.177B	$1.155B	$1.317B	$109.0M
YoY Change	75.97%	9.63%	39.08%	-9.17%	-33.41%	-19.86%	8.77%	-15.37%	11.71%	1.89%	-5.71%	-9.35%	53.15%	84.89%	18.64%	2.47%	-8.45%	1.53%	1.9%	-12.3%	1108.26%
Total Long-Term Assets
YoY Change
Total Assets	$1293B	$1139B	$988.2B	$949.3B	$852.2B	$773.3B	$709.6B	$687.9B	$641.9B	$588.7B	$537.0B	$525.4B	$500.6B	$411.6B	$388.5B	$416.1B	$366.5B	$320.0B	$293.9B	$265.2B	$256.5B	$252.9B	$239.4B	$233.4B	$230.6B	$222.6B	$207.8B	$169.8B
YoY Change
Accounts Payable	$14.42B	$11.65B	$3.413B	$2.969B	$2.204B	$1.898B	$2.177B		$8.747B	$7.713B	$7.587B	$8.950B	$7.082B	$6.741B	$5.791B	$6.606B	$7.760B
YoY Change	23.83%	241.25%	14.95%	34.71%	16.12%	-12.82%			13.41%	1.66%	-15.23%	26.38%	5.06%	16.4%	-12.34%	-14.87%
Accrued Expenses	$5.299B	$2.319B	$960.0M	$1.359B	$1.693B	$1.385B	$1.037B		$969.0M	$1.050B	$877.0M	$977.0M	$1.073B	$1.024B	$1.152B	$1.656B	$1.893B
YoY Change	128.5%	141.56%	-29.36%	-19.73%	22.24%	33.56%			-7.71%	19.73%	-10.24%	-8.95%	4.79%	-11.11%	-30.43%	-12.52%
Deferred Revenue
YoY Change
Short-Term Debt	$149.9B	$144.9B	$129.6B	$117.6B	$112.6B	$95.49B	$80.28B	$65.82B	$61.12B	$67.04B	$51.33B	$63.18B	$52.29B	$63.55B	$58.38B	$51.28B	$56.30B	$47.32B	$38.80B	$31.79B	$32.02B	$32.45B	$24.09B	$29.10B	$34.63B	$37.60B	$31.69B	$29.24B
YoY Change	3.41%	11.81%	10.25%	4.42%	17.92%	18.94%	21.96%	7.7%	-8.84%	30.61%	-18.75%	20.83%	-17.72%	8.86%	13.83%	-8.91%	18.99%	21.95%	22.06%	-0.73%	-1.33%	34.71%	-17.23%	-15.96%	-7.91%	18.64%	8.39%
Long-Term Debt Due	$4.800B	$9.274B	$7.278B	$5.999B	$5.067B	$3.703B	$3.643B	$4.001B
YoY Change	-48.24%	27.43%	21.32%	18.39%	36.83%	1.65%	-8.95%
Total Short-Term Liabilities	$174.5B	$14.98B	$17.90B	$10.45B	$15.43B	$13.29B	$12.70B	$4.082B	$9.818B	$8.998B	$8.902B	$10.33B	$8.746B	$8.667B	$7.679B	$8.863B	$9.653B	$47.32B	$38.80B	$31.79B	$32.02B	$32.45B	$24.09B	$29.10B	$34.63B	$37.60B	$31.69B	$29.24B
YoY Change	1064.28%	-16.3%	71.27%	-32.25%	16.09%	4.65%	211.1%	-58.42%	9.11%	1.08%	-13.83%	18.12%	0.91%	12.87%	-13.36%	-8.18%	-79.6%	21.95%	22.06%	-0.73%	-1.33%	34.71%	-17.23%	-15.96%	-7.91%	18.64%	8.39%
Long-Term Debt	$34.03B	$28.78B	$27.84B	$32.17B	$29.39B	$28.13B	$24.44B	$22.82B	$26.09B	$27.38B	$26.36B	$4.093B	$5.348B	$3.776B	$4.236B	$4.315B	$3.446B	$2.726B	$2.469B	$2.395B	$2.856B	$3.794B	$4.674B	$4.911B	$4.712B	$4.791B	$3.831B	$3.314B
YoY Change	18.24%	3.36%	-13.44%	9.44%	4.49%	15.1%	7.12%	-12.55%	-4.71%	3.87%	543.95%	-23.47%	41.63%	-10.86%	-1.83%	25.22%	26.41%	10.41%	3.09%	-16.14%	-24.72%	-18.83%	-4.83%	4.22%	-1.65%	25.06%	15.6%
Other Long-Term Liabilities	$89.95B	$84.99B	$52.02B	$51.11B	$49.70B	$49.18B	$49.06B	$66.25B	$55.20B	$45.69B	$42.33B	$85.87B	$96.45B	$56.18B	$52.82B	$65.01B	$35.81B	$43.35B	$38.58B	$37.28B	$31.97B	$35.99B	$37.74B	$22.12B	$16.67B	$18.66B	$13.61B	$6.034B
YoY Change	5.83%	63.39%	1.77%	2.85%	1.05%	0.25%	-25.95%	20.01%	20.82%	7.95%	-50.71%	-10.97%	71.68%	6.36%	-18.75%	81.55%	-17.41%	12.39%	3.48%	16.59%	-11.15%	-4.64%	70.64%	32.68%	-10.69%	37.18%	125.47%
Total Long-Term Liabilities	$124.0B	$113.8B	$79.86B	$83.28B	$79.09B	$77.31B	$73.50B	$89.07B	$81.29B	$73.07B	$68.69B	$89.96B	$101.8B	$59.96B	$57.06B	$69.32B	$39.25B	$46.08B	$41.04B	$39.67B	$34.83B	$39.78B	$42.41B	$27.03B	$21.38B	$23.45B	$17.44B	$9.348B
YoY Change	8.97%	42.46%	-4.1%	5.3%	2.3%	5.19%	-17.48%	9.56%	11.25%	6.38%	-23.65%	-11.63%	69.78%	5.08%	-17.69%	76.6%	-14.82%	12.27%	3.45%	13.91%	-12.45%	-6.2%	56.93%	26.41%	-8.84%	34.51%	86.52%
Total Liabilities	$1216B	$1068B	$930.7B	$892.7B	$801.1B	$727.6B	$665.2B	$645.6B	$602.5B	$554.3B	$506.9B	$496.8B	$474.2B	$389.8B	$368.3B	$397.9B	$351.0B	$304.5B	$279.6B	$252.0B	$244.0B	$241.0B	$228.7B	$221.5B	$219.6B	$212.0B	$198.9B	$162.2B
YoY Change	13.87%	14.78%	4.26%	11.43%	10.11%	9.37%	3.04%	7.17%	8.68%	9.35%	2.04%	4.76%	21.67%	5.84%	-7.45%	13.37%	15.28%	8.91%	10.94%	3.28%	1.26%	5.35%	3.28%	0.83%	3.61%	6.56%	22.61%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Basic Shares Outstanding
Diluted Shares Outstanding
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $81.468 Billion

About BANK OF MONTREAL /CAN/

Bank of Montreal engages in the provision of banking and financial services to individuals and institutions. The company is headquartered in Toronto, Ontario and currently employs 55,767 full-time employees. The firm is engaged in providing a broad range of personal and commercial banking, wealth management, global markets and investment banking products and services to customers across Canada, the United States, and in select markets globally. The firm offers services, such as bank accounts, credit cards, mortgages, loans, investments, creditor insurance, and travel insurance. The Company’s segments include P&C, U.S. P&C, Total P&C, BMO Wealth Management, BMO Capital Markets, and Corporate Services. Its bank accounts include checking accounts, and savings accounts. Its credit card services include no fee, low interest, cash back, BMO Rewards, AIR MILES, travel, and lifestyle. Its credit cards include BMO eclipse Visa Infinite Card, BMO Ascend World Elite Mastercard, BMO eclipse Visa Infinite Privilege Card, BMO Preferred Rate Mastercard and BMO CashBack Mastercard.

Industry: Commercial Banks, NEC Peers: