TORONTO-DOMINION BANK - TD 3.201 PERP (TD-PF-D.CA) Stock Fundamental Analysis
Canada - TSX:TD-PF-D - CA8911456330
25 CAD
+0.01 (+0.04%)
We assign a fundamental rating of 3 out of 10 to TD-PF-D. TD-PF-D was compared to 26 industry peers in the Banks industry. TD-PF-D may be in some trouble as it scores bad on both profitability and health. TD-PF-D has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year TD-PF-D was profitable.
TD-PF-D had a positive operating cash flow in the past year.
In the past 5 years TD-PF-D has always been profitable.
TD-PF-D had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
TD-PF-D's Return On Assets of 0.82% is amongst the best of the industry. TD-PF-D outperforms 96.55% of its industry peers.
TD-PF-D has a better Return On Equity (13.35%) than 79.31% 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-D is in line with its industry, outperforming 44.83% of the companies in the same industry.
TD-PF-D's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for TD-PF-D 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-D does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, TD-PF-D has less shares outstanding
The number of shares outstanding for TD-PF-D has been reduced compared to 5 years ago.
The debt/assets ratio for TD-PF-D is higher compared to a year ago.
2.2 Solvency
TD-PF-D has a debt to FCF ratio of 8.50. This is a slightly negative value and a sign of low solvency as TD-PF-D would need 8.50 years to pay back of all of its debts.
TD-PF-D has a Debt to FCF ratio of 8.50. This is comparable to the rest of the industry: TD-PF-D outperforms 41.38% of its industry peers.
TD-PF-D has a Debt/Equity ratio of 1.95. This is a high value indicating a heavy dependency on external financing.
TD-PF-D has a Debt to Equity ratio of 1.95. This is in the better half of the industry: TD-PF-D outperforms 68.97% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.95 | ||
| Debt/FCF | 8.5 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.05%
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-D have decreased by -1.27% in the last year.
TD-PF-D 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-D shows a very strong growth in Revenue. The Revenue has grown by 24.34%.
TD-PF-D shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.86% yearly.
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
The Earnings Per Share is expected to grow by 6.17% on average over the next years.
TD-PF-D 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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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-D is valuated cheaply with a Price/Earnings ratio of 3.22.
The rest of the industry has a similar Price/Earnings ratio as TD-PF-D.
TD-PF-D is valuated cheaply when we compare the Price/Earnings ratio to 27.31, which is the current average of the S&P500 Index.
TD-PF-D is valuated cheaply with a Price/Forward Earnings ratio of 2.84.
TD-PF-D's Price/Forward Earnings is on the same level as the industry average.
TD-PF-D's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.22 | ||
| Fwd PE | 2.84 |
4.2 Price Multiples
62.07% of the companies in the same industry are more expensive than TD-PF-D, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.48 | ||
| 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)1.26
PEG (5Y)1.03
EPS Next 2Y6.22%
EPS Next 3Y6.17%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.16%, TD-PF-D is a good candidate for dividend investing.
TD-PF-D's Dividend Yield is comparable with the industry average which is at 3.45.
Compared to an average S&P500 Dividend Yield of 2.40, TD-PF-D pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.16% |
5.2 History
The dividend of TD-PF-D is nicely growing with an annual growth rate of 7.39%!
TD-PF-D has been paying a dividend for at least 10 years, so it has a reliable track record.
TD-PF-D has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)7.39%
Div Incr Years0
Div Non Decr Years3
5.3 Sustainability
43.80% of the earnings are spent on dividend by TD-PF-D. This is a bit on the high side, but may be sustainable.
TD-PF-D'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 3.201 PERP
TSX:TD-PF-D (7/31/2025, 7:00:00 PM)
25
+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 Cap43.01B
Analysts76.52
Price Target24.39 (-2.44%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.16% |
Yearly Dividend4.04
Dividend Growth(5Y)7.39%
DP43.8%
Div Incr Years0
Div Non Decr Years3
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)-3.38%
PT rev (3m)-7.37%
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 | 3.22 | ||
| Fwd PE | 2.84 | ||
| P/S | 0.65 | ||
| P/FCF | 1.48 | ||
| P/OCF | 1.38 | ||
| P/B | 0.34 | ||
| P/tB | 0.41 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.76
EY31.04%
EPS(NY)8.81
Fwd EY35.24%
FCF(TTM)16.86
FCFY67.45%
OCF(TTM)18.15
OCFY72.6%
SpS38.75
BVpS73.29
TBVpS60.58
PEG (NY)1.26
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
WACC18.05%
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%