Bank of Montreal cash flow to debt ratio of 2.47% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Bank of Montreal's free cash flow has decreased -69.01% from $27.47G last year to $8.51G, signaling decreasing performance

Bank of Montreal's debt to equity ratio is 1.95, which means that the company's assets are unhealthy financed, signaling financial risk. READ MORE: A ratio over 0.60 means the company finances its assets with debt, signaling financial risk. If ratio is negative, the company spent its own equity and risks bankruptcy

Bank of Montreal's debt has decreased relative to shareholder equity from 4.43 last year to 1.95 today, signaling strengthened financials

Bank of Montreal has a net debt to EBITDA ratio of 25.12x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

Bank of Montreal earns at least as much interest as it pays. Interest obligations are fully covered.

Bank of Montreal's profit margin has increased (35.60%) in the last year from 9.32% to 12.63%, signaling increasing performance

Bank of Montreal's short-term liabilities of $1.13T exceed its short-term assets of $158.34G, signaling financial risk

Bank of Montreal's return on assets of 0.65% is lower than the 5.00% threshold, indicating inefficient asset utilization

Bank of Montreal's return on equity of 11.25%, is lower than 15.00%, indicating bad performance

Bank of Montreal's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Bank of Montreal had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings

Bank of Montreal has positive free cash flow, indicating the company generates cash after capital expenditures

Bank of Montreal has a free cash flow yield of 6.94%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Bank of Montreal's yearly earnings has increased 19.01% since last year from $7.32G to $8.71G, signaling increasing performance

Bank of Montreal's yearly revenue has decreased -0.52% since last year from $78.56G to $78.15G, signaling decreasing performance

ROIC 0.65% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Bank of Montreal's 3-year revenue CAGR of 27.99% is positive, indicating growing revenue over the past 3 years

Bank of Montreal had revenue growth in 3.00 out of 5 years, indicating consistent revenue performance

Bank of Montreal had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity

Bank of Montreal has insufficient data to evaluate this check.

Bank of Montreal has an earnings yield of 7.91%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Bank of Montreal is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

Bank of Montreal has an EV/EBITDA ratio of 18.51x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Bank of Montreal is undervalued relative to its fair value price of 295.74 based on Earnings Fair Value model

Bank of Montreal has a PEG-ratio under 1 which is considered undervalued

Bank of Montreal has a price-to-book ratio of 2.04x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Bank of Montreal has a price-to-sales ratio of 2.26x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue