- HBA · 4 years
- Work experience details
- ~High 80s to low 90s



AI-generated ink illustration
Conceptual study artwork, not a photograph of teaching facilities.
Unidex · generated with ImageGen
Checked 2026-11-05
Symbolic subject artwork; no university facility depicted
Duration (months)
4 years and 4 months, including four co-op terms
Waterloo SAF co-op requirements and six sequencesWork experience
4 scheduled work terms · 4 months each
Waterloo SAF co-op requirements and six sequencesEntering average
Published approximate guidance: Mid-80s. 2027/28. Ontario high-school entry in 2027/28, exact listed route WXY. Later major/option selection and other applicant categories remain separate.
Waterloo university-supplied OUInfo: Accounting and Financial Management (Co-op Only), Ontario entry 2027/28| Mon | Tue | Wed | Thu | Fri | Sat | Sun |
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2027 entry
School deadline, not a student task. Universities receive these grades by November 26. Verbatim: "Deadline for the OUAC to receive all midterm or final grades available for 4U/M courses from Ontario high schools. Schools may report in-progress grades for full-year courses as soon as they are available." Universities receive these by the target date of November 26, 2026. This is a deadline on the high school, not on the student, but it governs which grades a university sees in the first round.
Verbatim: "There is no specific Undergraduate application deadline if you are a Group B applicant. Deadlines vary at each university and sometimes depend on the program. Visit the university websites or contact the universities directly for their deadlines. If you are interested in a program but the deadline has passed, you may contact the university's admission office for help. Be aware of university-specific deadlines for submitting transcripts and portfolios, if required, and for arranging interviews and auditions. You must ensure the OUAC has enough time to process your choices before the universities' program deadlines." OUAC defines Group B as anyone who does not meet the Group A criteria, e.g. not currently taking an Ontario high school course, a Canadian outside Ontario, an international applicant, a postsecondary transfer student, or a mature applicant.
Entry terms · September 2027
First-year entry.
Waterloo September 2027 application and document deadlinesOntario high-school applicants; average text uses the university's own published guideline
Applicants choosing Accounting and Financial Management
Ontario high-school students taking IB courses, including students completing an OSSD
BC high-school applicants
Alberta high-school applicants
Full International Baccalaureate diploma applicants outside the Ontario-equivalency route
Applicants in an accredited American high-school system
Helpful background only
Ontario high-school entry in 2027/28, exact listed route WXY. Later major/option selection and other applicant categories remain separate.
Waterloo university-supplied OUInfo: Accounting and Financial Management (Co-op Only), Ontario entry 2027/28Waterloo university-supplied OUInfo: Accounting and Financial Management (Co-op Only), Ontario entry 2027/28Waterloo lists four co-op terms in the default sequence, beginning in the winter of second year.
University work-study informationComplete one specialization. A second is optional. This is the 2026–27 academic calendar list.
BAFM
Study assurance, business controls and ways to assess the reliability of financial information.
Waterloo’s Fall 2026 and Winter 2027 first-year schedule, followed by the 2026–27 calendar requirements. Later course timing depends on your specialization and co-op sequence.
Waterloo’s published first-year schedule totals 2.5 units. Business Value Creation counts as one integrated course.
Prepare financial statements and use accounting information for private-company decisions.
Waterloo AFM 191 academic calendarDevelop professional judgment, problem-solving, communication and career-planning skills.
Waterloo AFM 111 academic calendarUse data mining and emerging technologies to analyse accounting and finance problems.
Waterloo AFM 112 academic calendarStudies a selected issue in accounting and financial management. The topic changes by offering.
Business Value Creation: Foundation. Quest lists the two half-unit codes for this integrated course.
Waterloo AFM 415 academic calendarStudies a selected finance topic. The topic changes by offering.
Business Value Creation: Foundation. Quest lists the two half-unit codes for this integrated course.
Waterloo AFM 416 academic calendarWaterloo’s published first-year schedule totals 2.5 units. Business Value Creation counts as one integrated course.
Explore global capital markets, financial assets and financial decision-making.
Waterloo AFM 121 academic calendarAnalyse and forecast financial information for public-company stakeholders.
Waterloo AFM 182 academic calendarExtend the analytical and statistical methods used in accounting and finance.
Waterloo AFM 113 academic calendarStudies a selected issue in accounting and financial management. The topic changes by offering.
Business Value Creation: Consumers. Quest uses the same codes as 1A for different material.
Waterloo AFM 415 academic calendarStudies a selected finance topic. The topic changes by offering.
Business Value Creation: Consumers. Quest uses the same codes as 1A for different material.
Waterloo AFM 416 academic calendarThe calendar lists these required courses without assigning them to a term here. AFM 205, 206, 207 and 208 are quarter-unit courses.
Compare business models and decision-making across stages of a company’s life.
Waterloo AFM 132 academic calendarExplore financial services, professional ethics and how financial problems are approached in the workplace.
Waterloo AFM 205 academic calendarApply Canadian personal income tax rules to employment income, deductions and credits, and prepare returns with software.
Waterloo AFM 206 academic calendarUse performance measures and technology to analyze results, with attention to professional ethics.
Waterloo AFM 207 academic calendarLearn what assurance providers do and practise introductory tasks from a financial statement audit.
Waterloo AFM 208 academic calendarExplore technology investment and emerging trends in accounting and finance.
Waterloo AFM 241 academic calendarUse regression, classification and clustering as foundations for business analytics.
Waterloo AFM 244 academic calendarStudy corporate decisions about investments, financing, capital structure and dividends.
Waterloo AFM 274 academic calendarIdentify sustainability risks and opportunities in business decisions and review reporting frameworks.
Waterloo AFM 285 academic calendarStudy financial statement preparation, asset valuation and its effects on measured income.
Waterloo AFM 291 academic calendarBuild and assess personal budgets and financial plans across life stages, considering Canadian taxes.
Waterloo AFM 321 academic calendarStudy contracts, business organization, property and torts, and prepare a legal risk plan.
Waterloo AFM 335 academic calendarUse cases to apply financial-management theory to corporate decisions.
Waterloo AFM 373 academic calendarStudy how liabilities, income and corporate equity are measured and reported.
Waterloo AFM 391 academic calendarDevelop business strategies that fit an organization's environment and goals.
Waterloo AFM 433 academic calendarExamine how individuals and groups act within organizations, including motivation, teamwork and decisions.
Waterloo AFM 480 academic calendarDevelop an entrepreneurial approach to spotting opportunities and turning ideas into action.
Waterloo BET 100 academic calendarPractise communication, leadership and teamwork in an accounting and finance context.
Waterloo COMMST 111 academic calendarStudy Canadian markets through consumer behaviour, producer decisions, prices and government policy.
Waterloo ECON 101 academic calendarStudy inflation, employment, growth, interest rates and other economy-wide measures.
Waterloo ECON 102 academic calendarTake one course from this group.
Use computational and analytical tools to value assets and study investment risk.
Waterloo ACTSC 291 academic calendarUse computational and analytical tools to value assets and study investment risk.
Waterloo AFM 272 academic calendarValue financial instruments and examine financial risk and diversification.
Waterloo AFM 273 academic calendarTake one course from this group.
Work through ethical questions faced by accounting and finance professionals.
Waterloo AFM 311 academic calendarExamine how financial and business decisions intersect with sustainability, governance and social responsibility.
Waterloo SFM 309 academic calendarTake one course from this group.
Apply analytical and statistical tools to investment management and corporate finance.
Waterloo AFM 323 academic calendarStudy how organizations select and evaluate accounting information systems and assure their reliability.
Waterloo AFM 341 academic calendarUse text and sentiment analysis on social media data to investigate business problems.
Waterloo AFM 345 academic calendarApply predictive analytics to accounting and finance problems such as fraud, defaults and bankruptcy.
Waterloo AFM 346 academic calendarApply analytical and statistical tools to investment management and corporate finance.
Waterloo STAT 374 academic calendarExplore global finance and foundational financial decisions using computation and data analysis.
Waterloo ACTSC 127 academic calendarExplore global finance and foundational financial decisions using computation and data analysis.
Waterloo AFM 127 academic calendarCalculate corporate income and apply Canadian corporate taxation concepts.
Waterloo AFM 362 academic calendarComplete one specialization. A second is optional. This is the 2026–27 academic calendar list.
Waterloo profiled an AFM student who worked as a staff accountant in KPMG’s audit practice.
Waterloo career and co-op examples, plus one student profile.
Waterloo lists a CFA Institute affiliation. Starting in 2027, the CPA pathway uses coursework and professional program assessments. Waterloo’s Master of Accounting remains a pathway for eligible graduates.
Waterloo career and co-op examples, plus one student profile.
| Program or faculty | Ontario | Other Canadian | International | Books and supplies |
|---|---|---|---|---|
| Accounting and Financial Management, Sustainability and Financial Management | $9,000 | $10,000 | $58,000 | $1,500 |
| Architecture | $14,000 | $15,000 | $75,000 | $8,100 |
| Business Administration (Laurier) and Computer Science (Waterloo) Double Degree | $17,000 | $20,000 | $75,000 | $1,500 |
| Business Administration (Laurier) and Mathematics (Waterloo) Double Degree | $15,000 | $15,000 | $64,000 | $1,500 |
| Computer Science | $16,000 | $18,000 | $73,000 | $1,500 |
| Computing and Financial Management | $11,000 | $12,000 | $64,000 | $1,500 |
| Faculty of Arts | $9,000 | $10,000 | $58,000 | $1,500 |
| Faculty of Engineering, Software Engineering | $19,000 | $21,000 | $75,000 | $1,500 |
| Faculty of Environment | $9,000 | $10,000 | $51,000 | $1,500 |
| Faculty of Health | $9,000 | $10,000 | $54,000 | $1,500 |
| Faculty of Science | $9,000 | $10,000 | $54,000 | $1,500 |
| Geography and Aviation | $9,000 | $10,000 | $51,000 | $1,500 |
| Science and Aviation | $9,000 | $10,000 | $54,000 | $1,500 |
| Global Business and Digital Arts | $14,000 | $16,000 | $56,000 | $1,500 |
| Mathematics (includes 16 majors), Mathematics/ Business Administration, Mathematics/Chartered Professional Accountancy | $9,000 | $10,000 | $62,000 | $1,500 |
| Mathematics/Financial Analysis and Risk Management | $12,000 | $14,000 | $63,000 | $1,500 |
2026–27 · Two terms · CAD
Ontario example · Choose your fee category
Accounting and finance tuition increases significantly in upper years.
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