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EQB (EQB) investor relations material
EQB Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary4 Dec, 2025
Executive summary
Achieved 10% year-over-year growth in loans under management and 36% growth in off-balance sheet CMHC-insured multi-unit residential mortgages.
EQ Bank customer base grew 18% year-over-year to 607,000, with deposits nearing CAD 10 billion.
Launched small business banking, reaching CAD 140 million in business deposits by October.
Named top bank brand in Canada by The Banker magazine and Financial Times.
Announced acquisition of PC Financial and partnership with Loblaw to diversify growth.
Financial highlights
Adjusted diluted EPS for FY25 was CAD 8.90, down 19% year-over-year; reported EPS was CAD 6.65, down 34%.
Adjusted net income for FY25 was CAD 354 million, down 19% year-over-year; reported net income was CAD 266.6 million, down 34%.
Net interest income for Q4 was CAD 265 million, down 2% year-over-year but up 1% sequentially; NIM expanded 4 bps sequentially to 2.01%.
Adjusted efficiency ratio for FY25 was 50.9%, up 570 bps year-over-year.
Dividend increased to CAD 0.57 per share in Q4/25 (+16% year-over-year).
Outlook and guidance
Medium-term objectives: ROE of 15–17%, diluted EPS growth of 12–15%, and CET1 ratio of ~15%.
Expect ROE to approach 12% in 2026, with further improvement later in the year.
Project high single-digit to low double-digit growth in loans under management for 2026.
Anticipate low single-digit expense growth and efficiency ratio in the low 50s for FY26.
Organic growth to be bolstered by PC Financial acquisition and Loblaw partnership.
Outlook for 2022 GTA mortgage impairments?
Economics of PC Optimum loyalty integration?
Key drivers for 12% ROE by late 2026?
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Frequently asked questions
EQB Inc is a Canadian financial services company operating through Equitable Bank. The company offers residential and commercial lending, savings products, and digital banking services, including a fully digital banking platform. It serves individuals, businesses, and mortgage brokers across Canada. EQB Inc is headquartered in Toronto, Canada, and its shares are listed on the TSX.
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