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Science and Financial Management

University of Waterloo

Finance and Actuarial Studies: blue ink subject illustration
Image source

AI-generated ink illustration

Conceptual study artwork, not a photograph of teaching facilities.

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Checked 2026-11-05

Symbolic subject artwork; no university facility depicted

Deadlines

November 2026

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Next deadline

  • OUAC. Ontario high schools report midterm/final 4U/M grades

    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.

    Official deadline
Other deadline details
No single OUAC deadline, deadlines are set by each university and sometimes by programOUAC Undergraduate application, applicants who are not Ontario high school students (Group B)2026 entry
  • No single OUAC deadline, deadlines are set by each university and sometimes by program
  • No single OUAC deadline
  • University, program, transcript, portfolio, interview, and audition dates still apply
Full source wording

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.

SourceChecked

Requirements

Admission requirements

High-school prerequisites
  • ENG4UEnglish70% min.
  • MHF4UAdvanced Functions70% min.
  • MCV4UCalculus and Vectors70% min.
  • Two approved science or mathematics subjects
  • Complete a high-school diploma and six Grade 12 U or M courses including the prerequisites.
  • Choose two of SBI4U Biology, SCH4U Chemistry, SES4U Earth and Space Science, MDM4U Mathematics of Data Management and SPH4U Physics.
Waterloo Ontario high-school prerequisites for Science and Financial Management
Application steps

Entry terms · September

First-year Science and Financial Management.

Waterloo September 2027 application and document deadlines
  1. Step 1Check the admission requirements
    • Check the published entry route for your applicant category.
    Waterloo Ontario high-school prerequisites for Science and Financial ManagementWaterloo Ontario high-school prerequisites for Science and Financial Management
  2. Step 2Apply through OUAC
    • Create your application and select this program.
    OUACOUAC
  3. Step 3Declaration of Academic Experience (DAE)
    • Complete the DAE in the Waterloo applicant portal. It updates your checklist with any required documents.
    Waterloo required documentsWaterloo required documents
  4. Step 4Apply directly through OUAC.
    • Complete this item using the university’s applicant instructions.
    Waterloo Ontario high-school prerequisites for Science and Financial ManagementWaterloo Ontario high-school prerequisites for Science and Financial Management
  5. Step 5Complete the Declaration of Academic Experience in your Waterloo applicant portal.
    • Complete this item using the university’s applicant instructions.
    Waterloo Ontario high-school prerequisites for Science and Financial ManagementWaterloo Ontario high-school prerequisites for Science and Financial Management
  6. Step 6Provide the documents requested in the portal by the document deadline.
    • Complete this item using the university’s applicant instructions.
    Waterloo Ontario high-school prerequisites for Science and Financial ManagementWaterloo Ontario high-school prerequisites for Science and Financial Management
Applicant pathways
British Columbia high school with AP

British Columbia secondary students taking AP courses

  • English Studies 12 or English First Peoples 12 · minimum 70
  • Pre-Calculus 12 · minimum 70
  • Calculus 12 or AP Calculus · minimum 70
  • Two of:
  • Anatomy and Physiology 12
  • Chemistry 12
  • Geology 12
  • Physics 12
  • Environmental Science 12
  • Statistics 12 or Foundations of Math 12
Waterloo Science and Financial Management · British Columbia high school with AP
Alberta high school

Alberta secondary students

  • English Language Arts 30-1 · minimum 70
  • Mathematics 30-1 · minimum 70
  • Mathematics 31 · minimum 70
  • Two of Biology 30, Chemistry 30, or Physics 30
Waterloo Science and Financial Management · Alberta high school
IB Diploma

International Baccalaureate Diploma applicants

  • Mathematics: Analysis and Approaches HL or SL - minimum 4. HL or SL English A - minimum 4 or HL English B, minimum 5. Two of Biology, Chemistry, or Physics, total 27
Waterloo Science and Financial Management · IB Diploma

Degree requirements

Required courses and electives
  • Complete 20.0 units: 10.5 required, 6.0 science specialization and supporting science, 3.0 financial management specialization and associated choices, and 0.5 free elective.
ReferencesWaterloo 2026–27 Science and Financial Management Honours requirementsWaterloo School of Accounting and Finance academic and work-term schedules by graduating classWaterloo ScFM recommended Earth and Water Science sequence and cohort notesScience Undergraduate Office first-year course registrationWaterloo ScFM recommended Biotechnology sequence and cohort notesWaterloo ScFM recommended Physics of Systems and Energy sequence and cohort notesWaterloo academic calendar · Science and Financial Management Biotechnology specializationWaterloo academic calendar · Science and Financial Management Earth and Water Science specializationWaterloo academic calendar · Science and Financial Management Physics of Systems and Energy specializationWaterloo academic calendar · Science and Financial Management Business Analytics specializationWaterloo academic calendar · Science and Financial Management Financial Markets specializationWaterloo academic calendar · Science and Financial Management Professional Accountant specializationWaterloo course calendar · BIOL239Waterloo course calendar · BIOL240Waterloo course calendar · BIOL240LWaterloo course calendar · CHEM266
Credits and degree requirements
  • Graduation requires at least 60% cumulative overall and in science courses, and at least 70% in the required AFM scope.
ReferencesWaterloo 2026–27 Science and Financial Management Honours requirementsWaterloo School of Accounting and Finance academic and work-term schedules by graduating classWaterloo ScFM recommended Earth and Water Science sequence and cohort notesScience Undergraduate Office first-year course registrationWaterloo ScFM recommended Biotechnology sequence and cohort notesWaterloo ScFM recommended Physics of Systems and Energy sequence and cohort notesWaterloo academic calendar · Science and Financial Management Biotechnology specializationWaterloo academic calendar · Science and Financial Management Earth and Water Science specializationWaterloo academic calendar · Science and Financial Management Physics of Systems and Energy specializationWaterloo academic calendar · Science and Financial Management Business Analytics specializationWaterloo academic calendar · Science and Financial Management Financial Markets specializationWaterloo academic calendar · Science and Financial Management Professional Accountant specializationWaterloo course calendar · BIOL239Waterloo course calendar · BIOL240Waterloo course calendar · BIOL240LWaterloo course calendar · CHEM266
Work and practical requirements
  • Earn four credited work terms, at least three standard, and complete PD 1, PD 11 and two additional PD courses. The calendar describes limited exceptions.
ReferencesWaterloo 2026–27 Science and Financial Management Honours requirementsWaterloo School of Accounting and Finance academic and work-term schedules by graduating classWaterloo ScFM recommended Earth and Water Science sequence and cohort notesScience Undergraduate Office first-year course registrationWaterloo ScFM recommended Biotechnology sequence and cohort notesWaterloo ScFM recommended Physics of Systems and Energy sequence and cohort notesWaterloo academic calendar · Science and Financial Management Biotechnology specializationWaterloo academic calendar · Science and Financial Management Earth and Water Science specializationWaterloo academic calendar · Science and Financial Management Physics of Systems and Energy specializationWaterloo academic calendar · Science and Financial Management Business Analytics specializationWaterloo academic calendar · Science and Financial Management Financial Markets specializationWaterloo academic calendar · Science and Financial Management Professional Accountant specializationWaterloo course calendar · BIOL239Waterloo course calendar · BIOL240Waterloo course calendar · BIOL240LWaterloo course calendar · CHEM266

Program facts

Entering average~Low to mid-80s

Ontario high-school admission guidance.

Waterloo Ontario high-school prerequisites for Science and Financial ManagementWaterloo Ontario high-school prerequisites for Science and Financial Management
Co-opRequired co-op
Waterloo Science and Financial Management · programme, admissions and careersCheck work experience options

Majors & specializations

Direct first-year entry.

Assurance and Advisory

Bachelor of Science and Financial Management (Honours)

Study assurance, business controls and ways to assess the reliability of financial information.

Published requirementsPublished courses

Courses

The effective 2026–27 degree calendar and published first-year examples. Confirm the course calendar for your admission year.

1A · Fall4 listed

Choose COMMST 193 or ENGL 193. The first-year registration guide lists AFM 415 and AFM 416 as substitutions for VAL 101 when it could not be scheduled.

Science Undergraduate Office first-year course registration
1B · Winter2 listed

Take the introductory science courses for your specialization. The first-year registration guide lists AFM 415 and AFM 416 as substitutions for VAL 102 when it could not be scheduled.

Science Undergraduate Office first-year course registration
1B · Biotechnology2 listed

First-year Biotechnology science courses.

Science Undergraduate Office first-year course registration
1B · Earth and Water Science2 listed

First-year Earth and Water Science courses.

Science Undergraduate Office first-year course registration
1B · Physics of Systems and Energy2 listed

First-year Physics of Systems and Energy courses.

Science Undergraduate Office first-year course registration
Documented first-year substitutions2 listed

The Science Undergraduate Office lists these substitutions for unscheduled VAL 101 and VAL 102 in its 2026–27 first-year registration guidance.

Science Undergraduate Office first-year course registration
Other required courses14 listed

Named requirements in the effective 2026–27 calendar.

Waterloo 2026–27 Science and Financial Management Honours requirements
Applied financial management choices4 listed

Choose two. Follow the rules for your financial management specialization.

Waterloo 2026–27 Science and Financial Management Honours requirements
Financial methods5 listed

Choose one. The Professional Accountant specialization requires AFM 341.

Waterloo 2026–27 Science and Financial Management Honours requirements
Biotechnology specialization17 listed

Complete 6.0 units in the published Biotechnology specialization.

Waterloo academic calendar · Science and Financial Management Biotechnology specialization
Earth and Water Science specialization14 listed

Complete the 3.0-unit specialization and 3.0 additional eligible science units.

Waterloo academic calendar · Science and Financial Management Earth and Water Science specialization
Physics of Systems and Energy specialization13 listed

Complete the 3.0-unit specialization and 3.0 additional eligible science units.

Waterloo academic calendar · Science and Financial Management Physics of Systems and Energy specialization
Business Analytics specialization13 listed

Complete the 2.5-unit specialization and 0.5 elective unit.

Waterloo academic calendar · Science and Financial Management Business Analytics specialization
Financial Markets specialization21 listed

Complete the 3.0-unit specialization.

Waterloo academic calendar · Science and Financial Management Financial Markets specialization
Professional Accountant specialization6 listed

Complete the 3.0-unit specialization.

Waterloo academic calendar · Science and Financial Management Professional Accountant specialization
Elective choices
  • Choose Biotechnology, Earth and Water Science, or Physics of Systems and Energy under the effective 2026–27 calendar.
  • Choose Business Analytics, Financial Markets or Professional Accountant under the effective calendar. Business Analytics includes an extra 0.5-unit elective within its three-unit block.
  • Complete 0.5 free elective unit outside the specialization requirement.
Study routes

Direct first-year entry.

  • Co-op
ReferencesWaterloo 2026–27 Science and Financial Management Honours requirementsWaterloo Science and Financial Management · programme, admissions and careersWaterloo School of Accounting and Finance academic and work-term schedules by graduating classWaterloo ScFM recommended Earth and Water Science sequence and cohort notesScience Undergraduate Office first-year course registrationWaterloo ScFM recommended Biotechnology sequence and cohort notesWaterloo ScFM recommended Physics of Systems and Energy sequence and cohort notesWaterloo academic calendar · Science and Financial Management Biotechnology specializationWaterloo academic calendar · Science and Financial Management Earth and Water Science specializationWaterloo academic calendar · Science and Financial Management Physics of Systems and Energy specializationWaterloo academic calendar · Science and Financial Management Business Analytics specializationWaterloo academic calendar · Science and Financial Management Financial Markets specializationWaterloo academic calendar · Science and Financial Management Professional Accountant specializationWaterloo course calendar · BIOL239Waterloo course calendar · BIOL240Waterloo course calendar · BIOL240LWaterloo course calendar · CHEM266

Careers

  • Biotechnology Business Analyst
  • Management accountant
  • Clinical Research Finance Coordinator
Scope and qualifications

CPA and CFA are separate professional qualifications. Check the requirements for your chosen pathway.

Waterloo’s published Science and Financial Management career examples.

Costs

Science and Financial Management · First year

First-year estimate

2026–27 · Two academic terms · full-time first year · CAD

Ontario example · Choose your category

Tuition and incidental fees$8,417.72
Books and suppliesProgram estimate unavailable
Residence
Not estimated
Meal plan
Not estimated
Estimated subtotalNot available

Housing and meals are outside this estimate.

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