BMO vs. WTW: A Head-to-Head Stock Comparison

Updated on August 22, 2025

Here’s a clear look at BMO and WTW, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

Symbol	BMO	WTW
Company Name	Bank of Montreal	Willis Towers Watson Public Limited Company
Country	Canada	United Kingdom
GICS Sector	Financials	Financials
GICS Industry	Banks	Insurance
Market Capitalization	82.81 billion USD	32.65 billion USD
Exchange	NYSE	NasdaqGS
Listing Date	October 27, 1994	June 12, 2001
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of BMO and WTW by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

BMO vs. WTW: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	BMO	WTW
5-Day Price Return	0.87%	2.92%
13-Week Price Return	12.51%	8.86%
26-Week Price Return	10.65%	2.38%
52-Week Price Return	39.54%	21.33%
Month-to-Date Return	2.05%	5.98%
Year-to-Date Return	11.84%	6.85%
10-Day Avg. Volume	3.32M	0.78M
3-Month Avg. Volume	3.04M	0.71M
3-Month Volatility	10.93%	18.86%
Beta	1.07	0.74

Profitability

Return on Equity (TTM)

BMO

9.70%

Banks Industry

Max: 26.37%
Q3: 15.92%
Median: 12.25%
Q1: 8.69%
Min: 0.15%

BMO’s Return on Equity of 9.70% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.

WTW

1.73%

Insurance Industry

Max: 29.03%
Q3: 18.11%
Median: 13.90%
Q1: 10.42%
Min: -0.64%

WTW’s Return on Equity of 1.73% is in the lower quartile for the Insurance industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

BMO vs. WTW: A comparison of their Return on Equity (TTM) against their respective Banks and Insurance industry benchmarks.

Net Profit Margin (TTM)

BMO

21.68%

Banks Industry

Max: 54.20%
Q3: 35.70%
Median: 28.97%
Q1: 22.53%
Min: 6.98%

Falling into the lower quartile for the Banks industry, BMO’s Net Profit Margin of 21.68% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

WTW

1.40%

Insurance Industry

Max: 26.78%
Q3: 14.06%
Median: 9.15%
Q1: 5.48%
Min: -7.05%

Falling into the lower quartile for the Insurance industry, WTW’s Net Profit Margin of 1.40% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

BMO vs. WTW: A comparison of their Net Profit Margin (TTM) against their respective Banks and Insurance industry benchmarks.

Operating Profit Margin (TTM)

BMO

28.81%

Banks Industry

Max: 63.35%
Q3: 44.59%
Median: 37.24%
Q1: 28.25%
Min: 13.37%

BMO’s Operating Profit Margin of 28.81% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.

WTW

6.24%

Insurance Industry

Max: 35.49%
Q3: 19.49%
Median: 14.35%
Q1: 8.53%
Min: -5.25%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

BMO vs. WTW: A comparison of their Operating Profit Margin (TTM) against their respective Banks and Insurance industry benchmarks.

Profitability at a Glance

Symbol	BMO	WTW
Return on Equity (TTM)	9.70%	1.73%
Return on Assets (TTM)	0.58%	0.49%
Net Profit Margin (TTM)	21.68%	1.40%
Operating Profit Margin (TTM)	28.81%	6.24%
Gross Profit Margin (TTM)	--	--

Financial Strength

Current Ratio (MRQ)

BMO

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

WTW

1.13

Insurance Industry

Max: 2.97
Q3: 1.33
Median: 0.55
Q1: 0.15
Min: 0.00

For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

BMO vs. WTW: A comparison of their Current Ratio (MRQ) against their respective Banks and Insurance industry benchmarks.

Debt-to-Equity Ratio (MRQ)

BMO

2.73

Banks Industry

Max: 4.75
Q3: 2.62
Median: 1.02
Q1: 0.39
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

WTW

0.66

Insurance Industry

Max: 1.25
Q3: 0.65
Median: 0.34
Q1: 0.22
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.

BMO vs. WTW: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Banks and Insurance industry benchmarks.

Interest Coverage Ratio (TTM)

BMO

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

WTW

1.41

Insurance Industry

Max: 43.68
Q3: 20.84
Median: 9.56
Q1: 3.34
Min: -5.73

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.

BMO vs. WTW: A comparison of their Interest Coverage Ratio (TTM) against their respective Banks and Insurance industry benchmarks.

Financial Strength at a Glance

Symbol	BMO	WTW
Current Ratio (MRQ)	--	1.13
Quick Ratio (MRQ)	--	1.11
Debt-to-Equity Ratio (MRQ)	2.73	0.66
Interest Coverage Ratio (TTM)	--	1.41

Growth

Revenue Growth

BMO vs. WTW: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

BMO vs. WTW: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

BMO

4.38%

Banks Industry

Max: 10.27%
Q3: 5.83%
Median: 3.81%
Q1: 2.50%
Min: 0.00%

BMO’s Dividend Yield of 4.38% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

WTW

1.14%

Insurance Industry

Max: 8.23%
Q3: 4.54%
Median: 3.42%
Q1: 1.97%
Min: 0.00%

WTW’s Dividend Yield of 1.14% is in the lower quartile for the Insurance industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

BMO vs. WTW: A comparison of their Dividend Yield (TTM) against their respective Banks and Insurance industry benchmarks.

Dividend Payout Ratio (TTM)

BMO

59.72%

Banks Industry

Max: 147.07%
Q3: 80.55%
Median: 54.40%
Q1: 35.71%
Min: 0.00%

BMO’s Dividend Payout Ratio of 59.72% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

WTW

14.79%

Insurance Industry

Max: 168.02%
Q3: 85.57%
Median: 50.71%
Q1: 22.04%
Min: 0.00%

WTW’s Dividend Payout Ratio of 14.79% is in the lower quartile for the Insurance industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

BMO vs. WTW: A comparison of their Dividend Payout Ratio (TTM) against their respective Banks and Insurance industry benchmarks.

Dividend at a Glance

Symbol	BMO	WTW
Dividend Yield (TTM)	4.38%	1.14%
Dividend Payout Ratio (TTM)	59.72%	14.79%

Valuation

Price-to-Earnings Ratio (TTM)

BMO

13.64

Banks Industry

Max: 20.05
Q3: 12.65
Median: 10.21
Q1: 7.54
Min: 2.74

A P/E Ratio of 13.64 places BMO in the upper quartile for the Banks industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

WTW

227.81

Insurance Industry

Max: 28.91
Q3: 17.76
Median: 13.63
Q1: 10.02
Min: 2.89

At 227.81, WTW’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Insurance industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.

BMO vs. WTW: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Banks and Insurance industry benchmarks.

Price-to-Sales Ratio (TTM)

BMO

2.38

Banks Industry

Max: 5.06
Q3: 2.98
Median: 2.24
Q1: 1.59
Min: 0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

WTW

3.18

Insurance Industry

Max: 3.72
Q3: 1.98
Median: 1.23
Q1: 0.81
Min: 0.23

WTW’s P/S Ratio of 3.18 is in the upper echelon for the Insurance industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.

BMO vs. WTW: A comparison of their Price-to-Sales Ratio (TTM) against their respective Banks and Insurance industry benchmarks.

Price-to-Book Ratio (MRQ)

BMO

1.11

Banks Industry

Max: 2.18
Q3: 1.36
Median: 1.09
Q1: 0.81
Min: 0.20

BMO’s P/B Ratio of 1.11 is within the conventional range for the Banks industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

WTW

3.75

Insurance Industry

Max: 4.37
Q3: 2.48
Median: 1.68
Q1: 1.19
Min: 0.19

WTW’s P/B Ratio of 3.75 is in the upper tier for the Insurance industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

BMO vs. WTW: A comparison of their Price-to-Book Ratio (MRQ) against their respective Banks and Insurance industry benchmarks.

Valuation at a Glance

Symbol	BMO	WTW
Price-to-Earnings Ratio (TTM)	13.64	227.81
Price-to-Sales Ratio (TTM)	2.38	3.18
Price-to-Book Ratio (MRQ)	1.11	3.75
Price-to-Free Cash Flow Ratio (TTM)	6.89	24.67