TORONTO-DOMINION BANK - TD 4.97 PERP (TD-PF-A.CA) Stock Fundamental Analysis
TSX:TD-PF-A - Toronto Stock Exchange - CA8911456900 - Currency: CAD
Taking everything into account, TD-PF-A scores 4 out of 10 in our fundamental rating. TD-PF-A was compared to 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
In the past year TD-PF-A was profitable.
In the past year TD-PF-A had a positive cash flow from operations.
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's Return On Assets of 0.82% is amongst the best of the industry. TD-PF-A outperforms 100.00% of its industry peers.
TD-PF-A's Return On Equity of 13.35% is amongst the best of the industry. TD-PF-A outperforms 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
TD-PF-A has a Profit Margin (25.24%) which is in line with its industry peers.
In the last couple of years the Profit Margin of TD-PF-A has declined.
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.
Compared to 1 year ago, TD-PF-A has less shares outstanding
The number of shares outstanding for TD-PF-A has been reduced compared to 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 8.50, which is on the high side as it means it would take TD-PF-A, 8.50 years of fcf income to pay off all of its debts.
TD-PF-A has a Debt to FCF ratio (8.50) which is comparable to the rest of the industry.
A Debt/Equity ratio of 1.95 is on the high side and indicates that TD-PF-A has dependencies on debt financing.
TD-PF-A has a better Debt to Equity ratio (1.95) 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
WACC18.06%
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 -1.27%.
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.
TD-PF-A shows a strong growth in Revenue. In the last year, the Revenue has grown by 24.34%.
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
TD-PF-A is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.17% yearly.
TD-PF-A is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.34% yearly.
EPS Next Y2.56%
EPS Next 2Y6.22%
EPS Next 3Y6.17%
EPS Next 5YN/A
Revenue Next Year9.16%
Revenue Next 2Y6.45%
Revenue Next 3Y4.89%
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.
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
TD-PF-A is valuated cheaply with a Price/Earnings ratio of 3.20.
Compared to the rest of the industry, the Price/Earnings ratio of TD-PF-A is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 26.54, TD-PF-A is valued rather cheaply.
TD-PF-A is valuated cheaply with a Price/Forward Earnings ratio of 2.82.
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.
TD-PF-A's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 35.28.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.2 | ||
| Fwd PE | 2.82 |
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 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
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.25
PEG (5Y)1.03
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 4.60, TD-PF-A has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.40, TD-PF-A pays a better dividend.
| 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 (8/7/2025, 7:00:00 PM)
24.85
+0.01 (+0.04%)
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 Cap42.75B
Analysts76.52
Price Target24.17 (-2.74%)
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)-0.64%
PT rev (3m)-4.27%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.99%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.23%
Revenue NY rev (1m)1.41%
Revenue NY rev (3m)1.31%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.2 | ||
| Fwd PE | 2.82 | ||
| P/S | 0.64 | ||
| P/FCF | 1.47 | ||
| P/OCF | 1.37 | ||
| P/B | 0.34 | ||
| P/tB | 0.41 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.76
EY31.23%
EPS(NY)8.81
Fwd EY35.46%
FCF(TTM)16.86
FCFY67.86%
OCF(TTM)18.15
OCFY73.04%
SpS38.75
BVpS73.29
TBVpS60.58
PEG (NY)1.25
PEG (5Y)1.03
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
WACC18.06%
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 Year9.16%
Revenue Next 2Y6.45%
Revenue Next 3Y4.89%
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%