TORONTO-DOMINION BANK - TD 3.876 PERP (TD-PF-C.CA) Stock Fundamental Analysis
TSX:TD-PF-C - Toronto Stock Exchange - CA8911456587 - Currency: CAD
Taking everything into account, TD-PF-C scores 3 out of 10 in our fundamental rating. TD-PF-C was compared to 29 industry peers in the Banks industry. Both the profitability and financial health of TD-PF-C have multiple concerns. TD-PF-C is valued correctly, but it does not seem to be growing. TD-PF-C also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year TD-PF-C was profitable.
In the past year TD-PF-C had a positive cash flow from operations.
In the past 5 years TD-PF-C has always been profitable.
Of the past 5 years TD-PF-C 4 years had a positive operating cash flow.
1.2 Ratios
TD-PF-C has a worse Return On Assets (0.40%) than 82.86% of its industry peers.
Looking at the Return On Equity, with a value of 7.22%, TD-PF-C is doing worse than 74.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.4% | ||
| ROE | 7.22% | ||
| 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
With a Profit Margin value of 14.53%, TD-PF-C is not doing good in the industry: 82.86% of the companies in the same industry are doing better.
TD-PF-C's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for TD-PF-C so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 14.53% | ||
| 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-C does not have a ROIC to compare to the WACC, probably because it is not profitable.
TD-PF-C has less shares outstanding than it did 1 year ago.
The number of shares outstanding for TD-PF-C has been reduced compared to 5 years ago.
Compared to 1 year ago, TD-PF-C has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of TD-PF-C is 4.89, which is a neutral value as it means it would take TD-PF-C, 4.89 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.89, TD-PF-C belongs to the top of the industry, outperforming 88.57% of the companies in the same industry.
A Debt/Equity ratio of 2.24 is on the high side and indicates that TD-PF-C has dependencies on debt financing.
With a Debt to Equity ratio value of 2.24, TD-PF-C perfoms like the industry average, outperforming 60.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.24 | ||
| Debt/FCF | 4.89 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.02%
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-C have decreased by -2.25% in the last year.
Measured over the past 5 years, TD-PF-C 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 13.33% in the past year. This is quite good.
TD-PF-C shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.86% yearly.
EPS 1Y (TTM)-2.25%
EPS 3Y-0.47%
EPS 5Y3.11%
EPS Q2Q%-6.01%
Revenue 1Y (TTM)13.33%
Revenue growth 3Y10.26%
Revenue growth 5Y6.86%
Sales Q2Q%17.66%
3.2 Future
Based on estimates for the next years, TD-PF-C will show a small growth in Earnings Per Share. The EPS will grow by 2.64% on average per year.
The Revenue is expected to grow by 2.93% on average over the next years.
EPS Next Y3.34%
EPS Next 2Y5.33%
EPS Next 3Y2.64%
EPS Next 5YN/A
Revenue Next Year3.06%
Revenue Next 2Y3.87%
Revenue Next 3Y1.41%
Revenue Next 5Y2.93%
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
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
Based on the Price/Earnings ratio of 3.20, the valuation of TD-PF-C can be described as very cheap.
TD-PF-C's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 27.18. TD-PF-C is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 3.10, which indicates a rather cheap valuation of TD-PF-C.
TD-PF-C's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 35.34. TD-PF-C is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.2 | ||
| Fwd PE | 3.1 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, TD-PF-C is valued cheaply inside the industry as 85.71% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.83 | ||
| 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)0.96
PEG (5Y)1.03
EPS Next 2Y5.33%
EPS Next 3Y2.64%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.96%, TD-PF-C is a good candidate for dividend investing.
TD-PF-C's Dividend Yield is rather good when compared to the industry average which is at 4.64. TD-PF-C pays more dividend than 82.86% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.34, TD-PF-C pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.96% |
5.2 History
The dividend of TD-PF-C is nicely growing with an annual growth rate of 7.39%!
TD-PF-C has been paying a dividend for at least 10 years, so it has a reliable track record.
TD-PF-C has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)7.39%
Div Incr Years0
Div Non Decr Years5
5.3 Sustainability
86.10% of the earnings are spent on dividend by TD-PF-C. This is not a sustainable payout ratio.
TD-PF-C's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP86.1%
EPS Next 2Y5.33%
EPS Next 3Y2.64%
TORONTO-DOMINION BANK - TD 3.876 PERP
TSX:TD-PF-C (1/31/2025, 7:00:00 PM)
24.99
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners58.1%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap43.69B
Analysts74.78
Price Target26.15 (4.64%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.96% |
Yearly Dividend4.04
Dividend Growth(5Y)7.39%
DP86.1%
Div Incr Years0
Div Non Decr Years5
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-5.86%
Min EPS beat(2)-8.09%
Max EPS beat(2)-3.63%
EPS beat(4)2
Avg EPS beat(4)-0.56%
Min EPS beat(4)-8.09%
Max EPS beat(4)6.92%
EPS beat(8)2
Avg EPS beat(8)-3.06%
EPS beat(12)4
Avg EPS beat(12)-1.79%
EPS beat(16)7
Avg EPS beat(16)0.83%
Revenue beat(2)2
Avg Revenue beat(2)10.53%
Min Revenue beat(2)5.43%
Max Revenue beat(2)15.62%
Revenue beat(4)4
Avg Revenue beat(4)8.36%
Min Revenue beat(4)5.43%
Max Revenue beat(4)15.62%
Revenue beat(8)6
Avg Revenue beat(8)4.42%
Revenue beat(12)9
Avg Revenue beat(12)5.06%
Revenue beat(16)12
Avg Revenue beat(16)4.07%
PT rev (1m)-6.52%
PT rev (3m)3.27%
EPS NQ rev (1m)-1.43%
EPS NQ rev (3m)-5.8%
EPS NY rev (1m)-1.92%
EPS NY rev (3m)-3%
Revenue NQ rev (1m)1.96%
Revenue NQ rev (3m)-3.17%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.02%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.2 | ||
| Fwd PE | 3.1 | ||
| P/S | 0.76 | ||
| P/FCF | 0.83 | ||
| P/OCF | 0.8 | ||
| P/B | 0.38 | ||
| P/tB | 0.47 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.81
EY31.25%
EPS(NY)8.07
Fwd EY32.3%
FCF(TTM)30.18
FCFY120.76%
OCF(TTM)31.42
OCFY125.74%
SpS32.73
BVpS65.87
TBVpS53.35
PEG (NY)0.96
PEG (5Y)1.03
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.4% | ||
| ROE | 7.22% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 14.53% | ||
| GM | N/A | ||
| FCFM | 92.2% |
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-Score6
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.24 | ||
| Debt/FCF | 4.89 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 107.4% | ||
| Cap/Sales | 3.8% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 634.44% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC18.02%
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)-2.25%
EPS 3Y-0.47%
EPS 5Y3.11%
EPS Q2Q%-6.01%
EPS Next Y3.34%
EPS Next 2Y5.33%
EPS Next 3Y2.64%
EPS Next 5YN/A
Revenue 1Y (TTM)13.33%
Revenue growth 3Y10.26%
Revenue growth 5Y6.86%
Sales Q2Q%17.66%
Revenue Next Year3.06%
Revenue Next 2Y3.87%
Revenue Next 3Y1.41%
Revenue Next 5Y2.93%
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 1Y178.58%
FCF growth 3Y2.5%
FCF growth 5YN/A
OCF growth 1Y184.13%
OCF growth 3Y3.1%
OCF growth 5Y189.32%