CAD
Estados financieros de Bank of Montreal
Bank of Montreal · BMO.TO
Cuenta de resultados anual
Millones de CAD
| Partida | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Ingresos | 78,149 | 78,558 | 29,021 | 26,259 | 26,909 |
| Costo de ventas | 45,667 | 50,278 | 0 | 569 | 0 |
| Beneficio bruto | 32,482 | 28,280 | 29,642 | 25,690 | 26,909 |
| Margen bruto | 41.6% | 36.0% | 102.1% | 97.8% | 100.0% |
| Investigación y desarrollo | 0 | 0 | 0 | 0 | 0 |
| Gastos generales y de venta | 12,824 | 11,709 | 12,272 | 8,629 | 10,118 |
| Beneficio operativo | 11,550 | 9,065 | 10,298 | 19,368 | 14,073 |
| Margen operativo | 14.8% | 11.5% | 35.5% | 73.8% | 52.3% |
| EBITDA | 13,555 | 11,175 | 7,715 | 19,092 | 11,575 |
| Gastos por intereses | 42,050 | 46,517 | 36,893 | 11,012 | 5,577 |
| Beneficio antes de impuestos | 11,375 | 9,535 | 5,947 | 17,886 | 10,258 |
| Impuestos | 2,825 | 2,208 | 1,510 | 4,349 | 2,504 |
| Beneficio neto | 8,709 | 7,318 | 4,425 | 13,537 | 7,754 |
| Margen neto | 11.1% | 9.3% | 15.2% | 51.6% | 28.8% |
| BPA diluido | 11.44 | 9.51 | 5.76 | 19.99 | 11.58 |
| Acciones (diluidas) | 723 | 729 | 711 | 666 | 649 |
Cuenta de resultados trimestral
Millones de CAD
| Partida | T3 2026 | T2 2026 | T1 2026 | T4 2025 | T3 2025 | T2 2025 | T1 2025 | T4 2024 |
|---|---|---|---|---|---|---|---|---|
| Ingresos | 20,069 | 19,270 | 19,300 | 19,280 | 19,189 | 19,238 | 20,442 | 19,744 |
| Costo de ventas | 10,942 | 10,485 | 10,266 | 10,777 | 11,043 | 11,611 | 12,236 | 12,949 |
| Beneficio bruto | 9,186 | 8,785 | 9,034 | 8,503 | 8,146 | 7,627 | 8,206 | 6,795 |
| Margen bruto | 45.8% | 45.6% | 46.8% | 44.1% | 42.5% | 39.6% | 40.1% | 34.4% |
| Investigación y desarrollo | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Gastos generales y de venta | 3,436 | 3,277 | 3,732 | 3,202 | 3,153 | 3,060 | 3,409 | 2,921 |
| Beneficio operativo | 2,496 | 3,498 | 3,325 | 3,030 | 3,086 | 2,547 | 2,703 | 3,082 |
| Margen operativo | 12.4% | 18.2% | 17.2% | 15.7% | 16.1% | 13.2% | 13.2% | 15.6% |
| EBITDA | 3,054 | 4,043 | 3,831 | 3,588 | 3,619 | 3,150 | 3,248 | 3,531 |
| Gastos por intereses | 10,220 | 9,746 | 9,520 | 10,022 | 10,246 | 10,557 | 11,225 | 11,426 |
| Beneficio antes de impuestos | 2,496 | 3,498 | 3,284 | 3,030 | 3,086 | 2,606 | 2,828 | 3,007 |
| Impuestos | 746 | 868 | 836 | 735 | 756 | 644 | 690 | 703 |
| Beneficio neto | 1,748 | 2,626 | 2,490 | 2,288 | 2,327 | 1,960 | 2,134 | 2,301 |
| Margen neto | 8.7% | 13.6% | 12.9% | 11.9% | 12.1% | 10.2% | 10.4% | 11.7% |
| BPA diluido | 2.38 | 3.53 | 3.39 | 2.97 | 3.14 | 2.50 | 2.83 | 2.95 |
| Acciones (diluidas) | 702 | 705 | 710 | 715 | 721 | 726 | 731 | 729 |
Balance
Millones de CAD
| Partida | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Efectivo e inversiones a corto plazo | 104,158 | 113,529 | 114,310 | 118,207 | 121,972 |
| Cuentas por cobrar | 54,178 | 42,430 | 11,808 | 8,094 | 6,695 |
| Inventarios | 0 | 0 | 0 | 0 | 0 |
| Activo corriente | 158,336 | 155,959 | 114,310 | 126,301 | 128,667 |
| Propiedad, planta y equipo | 6,277 | 6,316 | 6,365 | 5,104 | 4,869 |
| Fondo de comercio e intangibles | 21,555 | 21,699 | 21,944 | 7,478 | 7,644 |
| Activo total | 1,476,802 | 1,409,647 | 1,293,276 | 1,139,199 | 988,175 |
| Pasivo corriente | 1,125,437 | 1,076,711 | 644,188 | 113,004 | 100,106 |
| Deuda total | 415,195 | 262,440 | 248,735 | 222,641 | 189,808 |
| Pasivo total | 1,388,702 | 1,325,361 | 1,216,239 | 1,068,161 | 930,652 |
| Patrimonio neto | 88,051 | 84,250 | 77,009 | 71,038 | 57,523 |
| Deuda neta | 311,037 | 148,911 | 134,425 | 104,434 | 67,836 |
Flujo de caja
Millones de CAD
| Partida | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Flujo de caja operativo | 10,240 | 29,030 | 21,269 | 4,957 | 44,049 |
| Inversión en activos fijos | (1,729) | (1,564) | (1,677) | (1,448) | (983) |
| Flujo de caja libre | 8,511 | 27,466 | 19,592 | 3,509 | 43,066 |
| Dividendos pagados | (5,031) | (3,840) | (2,703) | (2,595) | (2,980) |
| Recompra de acciones | (3,396) | (1,250) | 0 | (1,517) | (1,046) |
| Flujo de inversión | 605 | (24,529) | (21,157) | (29,471) | (299) |
| Flujo de financiación | (8,673) | (17,412) | 268 | 15,980 | 47,122 |
| Variación de caja | 2,386 | (12,836) | (9,532) | (5,795) | 35,853 |
Ejercicios fiscales de la empresa, que no siempre coinciden con el año natural. Las cifras negativas van entre paréntesis. BPA en unidades de la moneda de reporte.
Fuentes: Financial Modeling Prep, a partir de los informes de la empresa. Esta página tiene fines informativos y no constituye asesoría financiera.