3 programs, side by side

Rows marked with a dot are where these differ. Everything is each university’s own published wording; the “your average” row is yours, calculated the way each program does it.

	U of T (Scarborough) Mathematics (regular and co-op) OUAC TXS Remove	Guelph Bachelor of Mathematics (BMath) Honours OUAC GMH Remove	Waterloo Mathematics/Financial Analysis and Risk Management (Regular/Co-op) OUAC WMF Remove
Your average, their wayrequired courses forced in
Published rangetheir exact wording	87–90%“High 80s (regular), high 80s (co-op)”	78–84%“78 to 84%”	83–87%“Mid 80s”
Required coursesforced into your top 6 — options are the row below	ENG4U MCV4U MHF4U	ENG4U MCV4U MHF4U	ENG4U MCV4U MHF4U
Choose one ofany of these satisfies it	—	—	—
Prerequisitesas published	ENG4U MCV4U MHF4U Alternative Offers Alternative offer to another UTSC program; automatic consideration.	English (ENG4U) Advanced Functions (MHF4U) Calculus and Vectors (MCV4U) 3 additional 4U or 4M courses	Any Grade 12 U English Advanced Functions Calculus and Vectors One other Grade 12 U course
More than marks?supplementary application	Marks only	Marks only	Yes An Admission Information Form is required. We will send you instructions when we acknowledge your application. You are strongly encouraged to write the Euclid Mathematics Contest and the Canadian Senior Mathematics Competition. Individual selection may vary. Usually closes before January 15
Co-op	Available	No	Available
Degree	—	—	—
First-year intakewhere published	100	—	153
What you study	Mathematics	Mathematics Statistics	Business Studies Finance Mathematics Statistics
What it is	You study pure and applied mathematics — algebra, calculus, geometry, and how to solve real problems with math. The co-op stream lets you alternate between classroom learning and paid work terms at companies or research labs, giving you practical experience alongside theory. This suits people who want to test whether they prefer pure mathematics, data work, or applied roles in industry before committing to a specialization.	A four-year honours degree in pure and applied mathematics, with a focus on both theoretical problem-solving and statistical analysis. Unlike a general math degree, this program runs deeper into advanced theory and proof-based courses. It suits students who enjoy abstract thinking and want to build strong mathematical foundations for graduate study, research, or technical roles in finance, engineering, or data science.	You study mathematics, statistics, and finance together to understand how to measure and manage financial risk in banks, investment firms, and insurance companies. Unlike a straight business degree, this program emphasizes the quantitative and mathematical tools that financial professionals actually use to model markets and predict uncertainty. The co-op option lets you work in the industry while you study. This program suits people who are comfortable with advanced math and want to apply it to real-world financial problems.
The door tomajors you reach through it	mathematics	mathematics	Applied to directly
Entrance awardsat this campus, by average	4 published, 4 with no applicationfrom 85%See them	12 published, 4 with no applicationfrom 75%See them	4 published, 3 with no applicationfrom 80%See them
Source	University of Toronto — Scarborough on OUInfo	University of Guelph on OUInfo	University of Waterloo on OUInfo

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Same subject area and a similar published range, at a campus you have not got in the table yet.

Ranges are what each university publishes, not guaranteed cutoffs, and limited-enrolment programs often admit above them. Confirm anything you are about to act on with the university; each column links to its source.