Bank of Montreal (BMO) — Working Capital to Net Assets Ratio
Bank of Montreal (BMO) has a Working Capital to Net Assets ratio of -764.3% as of January 2026. Working capital of CA$-655.42 Billion (current assets of CA$418.25 Billion minus current liabilities of CA$1.07 Trillion) is measured against net assets of CA$85.75 Billion. A higher ratio indicates strong short-term liquidity financed by the equity base. See debt-free asset ratio of Bank of Montreal to measure how much of total assets are equity-financed.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
Bank of Montreal Working Capital to Net Assets (1998–2025)
This chart shows how Bank of Montreal's Working Capital to Net Assets ratio has evolved across 24 annual periods from 1998 to 2025. As of January 2026, the ratio stands at -764.3%, reflecting working capital of CA$-655.42 Billion against net assets of CA$85.75 Billion CAD. Check Bank of Montreal tangible net worth ratio to evaluate the tangible quality of the company's equity base.
Annual Working Capital to Net Assets for Bank of Montreal (1998–2025)
The table below presents the year-by-year Working Capital to Net Assets ratio for Bank of Montreal from 1998 to 2025, covering 24 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. For live market cap and the full company profile, see BMO stock market capitalisation.
| Year | WC/NA Ratio | Working Capital (CAD) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2025 | -1097.7% | CA$-967.10 Billion | CA$88.10 Billion | CA$158.34 Billion | CA$1.13 Trillion | ▼ -5.3 pp |
| 2024 | -1092.4% | CA$-920.75 Billion | CA$84.29 Billion | CA$155.96 Billion | CA$1.08 Trillion | ▼ -404.6 pp |
| 2023 | -687.8% | CA$-529.88 Billion | CA$77.04 Billion | CA$114.31 Billion | CA$644.19 Billion | ▼ -706.5 pp |
| 2022 | 18.7% | CA$13.30 Billion | CA$71.04 Billion | CA$126.30 Billion | CA$113.00 Billion | ▼ -30.9 pp |
| 2021 | 49.7% | CA$28.56 Billion | CA$57.52 Billion | CA$128.67 Billion | CA$100.11 Billion | ▲ +37.3 pp |
| 2020 | 12.3% | CA$6.97 Billion | CA$56.59 Billion | CA$101.19 Billion | CA$94.22 Billion | ▼ -53.7 pp |
| 2019 | 66.1% | CA$33.74 Billion | CA$51.08 Billion | CA$127.31 Billion | CA$93.56 Billion | ▼ -3.0 pp |
| 2018 | 69.1% | CA$31.59 Billion | CA$45.73 Billion | CA$123.01 Billion | CA$91.42 Billion | ▲ +81.1 pp |
| 2017 | -12.0% | CA$-5.33 Billion | CA$44.35 Billion | CA$84.75 Billion | CA$90.07 Billion | ▲ +25.7 pp |
| 2016 | -37.7% | CA$-15.95 Billion | CA$42.33 Billion | CA$70.28 Billion | CA$86.22 Billion | ▲ +4.9 pp |
| 2015 | -42.5% | CA$-16.98 Billion | CA$39.91 Billion | CA$72.72 Billion | CA$89.70 Billion | ▼ -150.4 pp |
| 2014 | 107.9% | CA$38.19 Billion | CA$35.40 Billion | CA$46.95 Billion | CA$8.76 Billion | ▼ -32.3 pp |
| 2013 | 140.2% | CA$44.12 Billion | CA$31.48 Billion | CA$52.90 Billion | CA$8.77 Billion | ▼ -24.7 pp |
| 2012 | 164.8% | CA$49.60 Billion | CA$30.09 Billion | CA$59.52 Billion | CA$9.93 Billion | ▲ +15.5 pp |
| 2011 | 149.3% | CA$41.99 Billion | CA$28.12 Billion | CA$51.92 Billion | CA$9.93 Billion | ▼ -33.2 pp |
| 2010 | 182.5% | CA$39.93 Billion | CA$21.88 Billion | CA$47.70 Billion | CA$7.76 Billion | ▼ -133.8 pp |
| 2009 | 316.4% | CA$63.89 Billion | CA$20.20 Billion | CA$70.84 Billion | CA$6.94 Billion | ▲ +174.8 pp |
| 2008 | 141.5% | CA$27.68 Billion | CA$19.55 Billion | CA$29.33 Billion | CA$1.66 Billion | ▼ -135.3 pp |
| 2007 | 276.9% | CA$46.04 Billion | CA$16.63 Billion | CA$55.69 Billion | CA$9.65 Billion | ▲ +167.0 pp |
| 2006 | 109.8% | CA$18.03 Billion | CA$16.42 Billion | CA$26.67 Billion | CA$8.64 Billion | ▼ -52.3 pp |
| 2005 | 162.2% | CA$25.44 Billion | CA$15.69 Billion | CA$26.59 Billion | CA$1.15 Billion | ▼ -1640.5 pp |
| 2000 | 1802.6% | CA$228.80 Billion | CA$12.69 Billion | CA$230.37 Billion | CA$1.56 Billion | ▼ -187.0 pp |
| 1999 | 1989.6% | CA$226.32 Billion | CA$11.37 Billion | CA$227.70 Billion | CA$1.38 Billion | ▲ +28.5 pp |
| 1998 | 1961.1% | CA$218.18 Billion | CA$11.13 Billion | CA$219.49 Billion | CA$1.31 Billion | — |