TORONTO-DOMINION BANK - TD 4.97 PERP (TD-PF-A.CA) Stock Fundamental Analysis
Canada - TSX:TD-PF-A - CA8911456900
25 CAD
0 (0%)
TD-PF-A gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 26 industry peers in the Banks industry. There are concerns on the financial health of TD-PF-A while its profitability can be described as average. TD-PF-A has a decent growth rate and is not valued too expensively. TD-PF-A also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year TD-PF-A was profitable.
In the past year TD-PF-A had a positive cash flow from operations.
TD-PF-A had positive earnings in each of the past 5 years.
TD-PF-A had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With an excellent Return On Assets value of 1.00%, TD-PF-A belongs to the best of the industry, outperforming 96.15% of the companies in the same industry.
TD-PF-A's Return On Equity of 16.21% is amongst the best of the industry. TD-PF-A outperforms 96.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1% | ||
| ROE | 16.21% | ||
| ROIC | N/A |
ROA(3y)0.6%
ROA(5y)0.66%
ROE(3y)10.54%
ROE(5y)11.57%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of TD-PF-A (29.98%) is better than 96.15% of its industry peers.
In the last couple of years the Profit Margin of TD-PF-A has declined.
TD-PF-A does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 29.98% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-23.85%
PM growth 5Y-12.17%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
TD-PF-A does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for TD-PF-A has been reduced compared to 1 year ago.
TD-PF-A has less shares outstanding than it did 5 years ago.
TD-PF-A has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of TD-PF-A is 15.32, which is on the high side as it means it would take TD-PF-A, 15.32 years of fcf income to pay off all of its debts.
TD-PF-A has a Debt to FCF ratio (15.32) which is comparable to the rest of the industry.
A Debt/Equity ratio of 2.11 is on the high side and indicates that TD-PF-A has dependencies on debt financing.
TD-PF-A's Debt to Equity ratio of 2.11 is fine compared to the rest of the industry. TD-PF-A outperforms 65.38% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.11 | ||
| Debt/FCF | 15.32 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.07%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
TD-PF-A shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.13%.
TD-PF-A shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.11% yearly.
Looking at the last year, TD-PF-A shows a very strong growth in Revenue. The Revenue has grown by 23.52%.
The Revenue has been growing slightly by 6.86% on average over the past years.
EPS 1Y (TTM)-0.13%
EPS 3Y-0.47%
EPS 5Y3.11%
EPS Q2Q%7.32%
Revenue 1Y (TTM)23.52%
Revenue growth 3Y10.26%
Revenue growth 5Y6.86%
Sales Q2Q%7.91%
3.2 Future
The Earnings Per Share is expected to grow by 8.06% on average over the next years. This is quite good.
The Revenue is expected to grow by 4.95% on average over the next years.
EPS Next Y8.14%
EPS Next 2Y7.38%
EPS Next 3Y7.63%
EPS Next 5Y8.06%
Revenue Next Year7.28%
Revenue Next 2Y5.68%
Revenue Next 3Y4.08%
Revenue Next 5Y4.95%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 3.16, which indicates a rather cheap valuation of TD-PF-A.
TD-PF-A's Price/Earnings ratio is in line with the industry average.
TD-PF-A's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.55.
The Price/Forward Earnings ratio is 2.78, which indicates a rather cheap valuation of TD-PF-A.
TD-PF-A's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 23.04. TD-PF-A is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.16 | ||
| Fwd PE | 2.78 |
4.2 Price Multiples
TD-PF-A's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. TD-PF-A is cheaper than 69.23% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.47 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.39
PEG (5Y)1.02
EPS Next 2Y7.38%
EPS Next 3Y7.63%
5. Dividend
5.1 Amount
TD-PF-A has a Yearly Dividend Yield of 3.75%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.45, TD-PF-A pays a better dividend. On top of this TD-PF-A pays more dividend than 84.62% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.43, TD-PF-A pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.75% |
5.2 History
The dividend of TD-PF-A is nicely growing with an annual growth rate of 7.39%!
TD-PF-A has been paying a dividend for at least 10 years, so it has a reliable track record.
TD-PF-A has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)7.39%
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
37.08% of the earnings are spent on dividend by TD-PF-A. This is a low number and sustainable payout ratio.
The dividend of TD-PF-A is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP37.08%
EPS Next 2Y7.38%
EPS Next 3Y7.63%
TORONTO-DOMINION BANK - TD 4.97 PERP
TSX:TD-PF-A (10/15/2025, 7:00:00 PM)
25
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners56.42%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap42.52B
Analysts77.27
Price Target24.84 (-0.64%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.75% |
Yearly Dividend4.04
Dividend Growth(5Y)7.39%
DP37.08%
Div Incr Years0
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.22%
Min EPS beat(2)3.97%
Max EPS beat(2)8.48%
EPS beat(4)3
Avg EPS beat(4)1.09%
Min EPS beat(4)-8.09%
Max EPS beat(4)8.48%
EPS beat(8)5
Avg EPS beat(8)0.47%
EPS beat(12)6
Avg EPS beat(12)-0.76%
EPS beat(16)8
Avg EPS beat(16)-0.34%
Revenue beat(2)1
Avg Revenue beat(2)1.04%
Min Revenue beat(2)-2.05%
Max Revenue beat(2)4.13%
Revenue beat(4)2
Avg Revenue beat(4)4.15%
Min Revenue beat(4)-2.05%
Max Revenue beat(4)15.62%
Revenue beat(8)6
Avg Revenue beat(8)4.62%
Revenue beat(12)8
Avg Revenue beat(12)5.4%
Revenue beat(16)11
Avg Revenue beat(16)3.95%
PT rev (1m)-3.23%
PT rev (3m)2.14%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.67%
EPS NY rev (1m)2.25%
EPS NY rev (3m)5.44%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.77%
Revenue NY rev (1m)0.11%
Revenue NY rev (3m)-0.34%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.16 | ||
| Fwd PE | 2.78 | ||
| P/S | 0.63 | ||
| P/FCF | 2.47 | ||
| P/OCF | 2.18 | ||
| P/B | 0.34 | ||
| P/tB | 0.41 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.91
EY31.64%
EPS(NY)9.01
Fwd EY36.02%
FCF(TTM)10.14
FCFY40.55%
OCF(TTM)11.44
OCFY45.77%
SpS39.86
BVpS73.73
TBVpS60.75
PEG (NY)0.39
PEG (5Y)1.02
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1% | ||
| ROE | 16.21% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 29.98% | ||
| GM | N/A | ||
| FCFM | 25.43% |
ROA(3y)0.6%
ROA(5y)0.66%
ROE(3y)10.54%
ROE(5y)11.57%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-23.85%
PM growth 5Y-12.17%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.11 | ||
| Debt/FCF | 15.32 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 103.88% | ||
| Cap/Sales | 3.28% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 84.82% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC18.07%
ROIC/WACCN/A
Cap/Depr(3y)95.41%
Cap/Depr(5y)84.59%
Cap/Sales(3y)3.47%
Cap/Sales(5y)3.42%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-0.13%
EPS 3Y-0.47%
EPS 5Y3.11%
EPS Q2Q%7.32%
EPS Next Y8.14%
EPS Next 2Y7.38%
EPS Next 3Y7.63%
EPS Next 5Y8.06%
Revenue 1Y (TTM)23.52%
Revenue growth 3Y10.26%
Revenue growth 5Y6.86%
Sales Q2Q%7.91%
Revenue Next Year7.28%
Revenue Next 2Y5.68%
Revenue Next 3Y4.08%
Revenue Next 5Y4.95%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y121.83%
FCF growth 3Y2.5%
FCF growth 5YN/A
OCF growth 1Y125.2%
OCF growth 3Y3.1%
OCF growth 5Y189.32%