Bank of Montreal (BMO) Income Statement
BMO FY2025 at a glance
Fiscal year ended October 31, 2025 · U.S. dollarsBMO revenue and net income
Where BMO's revenue goes
FY2025Each bar shows an amount and its share of revenue. BMO kept 11.1% of revenue as net income.
BMO profit margins
BMO growth rates
to FY2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | — | — | — | — |
| Gross profit | — | — | — | — |
| Operating income | — | — | — | — |
| Net income | — | — | — | — |
| EPS (diluted) | — | — | — | — |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
BMO quarterly EPS vs estimates
Bank of Montreal beat the analyst EPS estimate in 1 of the last 1 quarters. Next report: December 3, 2026 (estimate $2.76).
BMO income statement
| FY2025 | |
|---|---|
| Revenue | $78.15B |
| Cost of revenue | $45.67B |
| Gross profit | $32.48B |
| Sales, general & admin | $12.82B |
| Total operating expenses | $20.93B |
| Operating income | $11.55B |
| Interest income | $63.54B |
| Interest expense | $42.05B |
| Income before taxes | $11.55B |
| Income taxes | $2.83B |
| Net income | $8.71B |
| EBITDA | $13.73B |
| EPS (diluted) | $11.74 |
| Gross margin | 41.6% |
| Operating margin | 14.8% |
| Net margin | 11.1% |
| Oct '25 | |
|---|---|
| Revenue | $19.28B |
| Cost of revenue | $10.78B |
| Gross profit | $8.50B |
| Sales, general & admin | $3.20B |
| Total operating expenses | $5.47B |
| Operating income | $3.03B |
| Interest income | $15.52B |
| Interest expense | $10.02B |
| Income before taxes | $3.03B |
| Income taxes | $735.0M |
| Net income | $2.29B |
| EBITDA | $3.59B |
| EPS (diluted) | $2.97 |
| Gross margin | 44.1% |
| Operating margin | 15.7% |
| Net margin | 11.9% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in BMO's financial statements (latest annual report filed December 4, 2025); data from EODHD. Sales, general & administrative expenses include sales and marketing.
BMO financial results
In fiscal year 2025 (ended October 31, 2025), Bank of Montreal reported revenue of $78.1 billion. It had net income of $8.7 billion, a net profit margin of 11.1%. Diluted earnings per share came to $11.74.
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BMO income statement FAQ
What is Bank of Montreal's annual revenue?
Bank of Montreal reported total revenue of $78.1 billion for fiscal year 2025, which ended on October 31, 2025.
Is Bank of Montreal profitable?
Yes. Bank of Montreal reported net income of $8.7 billion in fiscal 2025, a net profit margin of 11.1%; its operating margin was 14.8%.
What is Bank of Montreal's gross margin?
Bank of Montreal's gross margin was 41.6% in fiscal 2025: for every $100 of revenue, Bank of Montreal kept $42 after the direct cost of its products and services.
What are Bank of Montreal's earnings per share?
Bank of Montreal earned $11.74 per diluted share in fiscal 2025.
When will Bank of Montreal report its next earnings?
Bank of Montreal is expected to report results for the quarter ending October 31, 2026 on December 3, 2026.
When does Bank of Montreal's fiscal year end?
Bank of Montreal's fiscal year ends in October. The latest annual report covers the year ended October 31, 2025 and was filed on December 4, 2025.