Bank of Montreal BMO.TO TSX

Bank of Montreal (BMO.TO) generated $10.24B in operating cash flow for fiscal year 2025. After capital expenditures of $1.73B, free cash flow was $8.51B.

Free cash flow margin was 10.9% of revenue. Cash conversion ratio was 1.17x, indicating earnings are backed by cash.

The company returned $5.03B in dividends and $3.4B in share buybacks to shareholders during the period.

Criteria supported by this page:

• HEALTH (0/100, Fail) — weak cash flow raises concerns about debt servicing
• MOAT (72/100, Pass) — $8.51B (10.9% FCF margin) supports a durable competitive advantage
• INCOME (55/100) — Cash conversion ratio was 1.17x confirms earnings are backed by real cash flow

Overall SharesGrow Score: 59/100 with 4/7 criteria passed.