TORONTO-DOMINION BANK - TD 4.97 PERP (TD-PF-A.CA) Stock Fundamental Analysis
TSX:TD-PF-A - Toronto Stock Exchange - CA8911456900 - Currency: CAD
TD-PF-A gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 29 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 is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
TD-PF-A had positive earnings in the past year.
TD-PF-A had a positive operating cash flow in the past year.
In the past 5 years TD-PF-A has always been profitable.
Of the past 5 years TD-PF-A 4 years had a positive operating cash flow.
1.2 Ratios
TD-PF-A has a better Return On Assets (0.82%) than 100.00% of its industry peers.
TD-PF-A has a better Return On Equity (13.35%) than 82.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.82% | ||
| ROE | 13.35% | ||
| 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
Looking at the Profit Margin, with a value of 25.24%, TD-PF-A is in line with its industry, outperforming 48.28% of the companies in the same industry.
TD-PF-A's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for TD-PF-A so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.24% | ||
| 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.
Compared to 5 years ago, TD-PF-A has less shares outstanding
Compared to 1 year ago, TD-PF-A has a worse debt to assets ratio.
2.2 Solvency
TD-PF-A has a debt to FCF ratio of 8.50. This is a slightly negative value and a sign of low solvency as TD-PF-A would need 8.50 years to pay back of all of its debts.
With a Debt to FCF ratio value of 8.50, TD-PF-A perfoms like the industry average, outperforming 44.83% of the companies in the same industry.
TD-PF-A has a Debt/Equity ratio of 1.95. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of TD-PF-A (1.95) is better than 72.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.95 | ||
| Debt/FCF | 8.5 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.04%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for TD-PF-A have decreased by -1.27% in the last year.
Measured over the past 5 years, TD-PF-A shows a small growth in Earnings Per Share. The EPS has been growing by 3.11% on average per year.
The Revenue has grown by 24.34% in the past year. This is a very strong growth!
Measured over the past years, TD-PF-A shows a small growth in Revenue. The Revenue has been growing by 6.86% on average per year.
EPS 1Y (TTM)-1.27%
EPS 3Y-0.47%
EPS 5Y3.11%
EPS Q2Q%-3.43%
Revenue 1Y (TTM)24.34%
Revenue growth 3Y10.26%
Revenue growth 5Y6.86%
Sales Q2Q%1.03%
3.2 Future
Based on estimates for the next years, TD-PF-A will show a small growth in Earnings Per Share. The EPS will grow by 6.17% on average per year.
Based on estimates for the next years, TD-PF-A will show a small growth in Revenue. The Revenue will grow by 4.34% on average per year.
EPS Next Y2.56%
EPS Next 2Y6.22%
EPS Next 3Y6.17%
EPS Next 5YN/A
Revenue Next Year7.64%
Revenue Next 2Y5.76%
Revenue Next 3Y4.88%
Revenue Next 5Y4.34%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 3.19 indicates a rather cheap valuation of TD-PF-A.
The rest of the industry has a similar Price/Earnings ratio as TD-PF-A.
TD-PF-A is valuated cheaply when we compare the Price/Earnings ratio to 27.41, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 2.81, the valuation of TD-PF-A can be described as very cheap.
TD-PF-A's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. TD-PF-A is cheaper than 65.52% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.19, TD-PF-A is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.19 | ||
| Fwd PE | 2.81 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, TD-PF-A is valued a bit cheaper than 65.52% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.47 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
TD-PF-A's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.25
PEG (5Y)1.02
EPS Next 2Y6.22%
EPS Next 3Y6.17%
5. Dividend
5.1 Amount
TD-PF-A has a Yearly Dividend Yield of 4.13%, which is a nice return.
Compared to an average industry Dividend Yield of 4.64, TD-PF-A has a dividend in line with its industry peers.
TD-PF-A's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.13% |
5.2 History
On average, the dividend of TD-PF-A grows each year by 7.39%, which is quite nice.
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
TD-PF-A pays out 43.80% of its income as dividend. This is a bit on the high side, but may be sustainable.
TD-PF-A's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP43.8%
EPS Next 2Y6.22%
EPS Next 3Y6.17%
TORONTO-DOMINION BANK - TD 4.97 PERP
TSX:TD-PF-A (7/11/2025, 7:00:00 PM)
24.76
+0.16 (+0.65%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners56.8%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap42.60B
Analysts76.52
Price Target24.32 (-1.78%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.13% |
Yearly Dividend4.04
Dividend Growth(5Y)7.39%
DP43.8%
Div Incr Years0
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.24%
Min EPS beat(2)0%
Max EPS beat(2)8.48%
EPS beat(4)2
Avg EPS beat(4)-0.81%
Min EPS beat(4)-8.09%
Max EPS beat(4)8.48%
EPS beat(8)4
Avg EPS beat(8)-0.69%
EPS beat(12)5
Avg EPS beat(12)-1.14%
EPS beat(16)7
Avg EPS beat(16)-0.64%
Revenue beat(2)0
Avg Revenue beat(2)-1.58%
Min Revenue beat(2)-2.05%
Max Revenue beat(2)-1.12%
Revenue beat(4)2
Avg Revenue beat(4)4.47%
Min Revenue beat(4)-2.05%
Max Revenue beat(4)15.62%
Revenue beat(8)6
Avg Revenue beat(8)4.84%
Revenue beat(12)7
Avg Revenue beat(12)4.49%
Revenue beat(16)11
Avg Revenue beat(16)3.81%
PT rev (1m)-1.1%
PT rev (3m)-6.99%
EPS NQ rev (1m)2.62%
EPS NQ rev (3m)0.99%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.09%
Revenue NQ rev (1m)-0.51%
Revenue NQ rev (3m)-0.23%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.35%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.19 | ||
| Fwd PE | 2.81 | ||
| P/S | 0.64 | ||
| P/FCF | 1.47 | ||
| P/OCF | 1.36 | ||
| P/B | 0.34 | ||
| P/tB | 0.41 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.76
EY31.34%
EPS(NY)8.81
Fwd EY35.59%
FCF(TTM)16.86
FCFY68.11%
OCF(TTM)18.15
OCFY73.3%
SpS38.75
BVpS73.29
TBVpS60.58
PEG (NY)1.25
PEG (5Y)1.02
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.82% | ||
| ROE | 13.35% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.24% | ||
| GM | N/A | ||
| FCFM | 43.51% |
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-Score9
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.95 | ||
| Debt/FCF | 8.5 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 105.33% | ||
| Cap/Sales | 3.32% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 172.41% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC18.04%
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)-1.27%
EPS 3Y-0.47%
EPS 5Y3.11%
EPS Q2Q%-3.43%
EPS Next Y2.56%
EPS Next 2Y6.22%
EPS Next 3Y6.17%
EPS Next 5YN/A
Revenue 1Y (TTM)24.34%
Revenue growth 3Y10.26%
Revenue growth 5Y6.86%
Sales Q2Q%1.03%
Revenue Next Year7.64%
Revenue Next 2Y5.76%
Revenue Next 3Y4.88%
Revenue Next 5Y4.34%
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 1Y200.01%
FCF growth 3Y2.5%
FCF growth 5YN/A
OCF growth 1Y213.47%
OCF growth 3Y3.1%
OCF growth 5Y189.32%