TORONTO-DOMINION BANK - TD 3.201 PERP (TD-PF-D.CA) Stock Fundamental Analysis
TSX:TD-PF-D - Toronto Stock Exchange - CA8911456330 - Currency: CAD
Taking everything into account, TD-PF-D scores 3 out of 10 in our fundamental rating. TD-PF-D was compared to 30 industry peers in the Banks industry. TD-PF-D has a bad profitability rating. Also its financial health evaluation is rather negative. TD-PF-D has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
TD-PF-D had positive earnings in the past year.
In the past year TD-PF-D had a positive cash flow from operations.
In the past 5 years TD-PF-D has always been profitable.
Of the past 5 years TD-PF-D 4 years had a positive operating cash flow.
1.2 Ratios
TD-PF-D has a Return On Assets of 0.40%. This is amonst the worse of the industry: TD-PF-D underperforms 80.00% of its industry peers.
TD-PF-D's Return On Equity of 6.95% is on the low side compared to the rest of the industry. TD-PF-D is outperformed by 70.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.4% | ||
| ROE | 6.95% | ||
| 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-D has a worse Profit Margin (14.37%) than 80.00% of its industry peers.
In the last couple of years the Profit Margin of TD-PF-D has declined.
TD-PF-D 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) | 14.37% | ||
| 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.
The number of shares outstanding for TD-PF-D has been reduced compared to 1 year ago.
TD-PF-D has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, TD-PF-D has a worse debt to assets ratio.
2.2 Solvency
TD-PF-D has a debt to FCF ratio of 11.47. This is a negative value and a sign of low solvency as TD-PF-D would need 11.47 years to pay back of all of its debts.
The Debt to FCF ratio of TD-PF-D (11.47) is comparable to the rest of the industry.
TD-PF-D has a Debt/Equity ratio of 2.17. This is a high value indicating a heavy dependency on external financing.
With a decent Debt to Equity ratio value of 2.17, TD-PF-D is doing good in the industry, outperforming 66.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.17 | ||
| Debt/FCF | 11.47 | ||
| 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
TD-PF-D shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.27%.
The Earnings Per Share has been growing slightly by 3.11% on average over the past years.
The Revenue has grown by 12.89% in the past year. This is quite good.
The Revenue has been growing slightly by 6.86% on average over the past years.
EPS 1Y (TTM)-1.27%
EPS 3Y-0.47%
EPS 5Y3.11%
EPS Q2Q%-3.43%
Revenue 1Y (TTM)12.89%
Revenue growth 3Y10.26%
Revenue growth 5Y6.86%
Sales Q2Q%1.03%
3.2 Future
Based on estimates for the next years, TD-PF-D will show a small growth in Earnings Per Share. The EPS will grow by 6.17% on average per year.
TD-PF-D is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.13% yearly.
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 5Y4.13%
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
With a Price/Earnings ratio of 3.22, the valuation of TD-PF-D can be described as very cheap.
TD-PF-D's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 25.91. TD-PF-D is valued rather cheaply when compared to this.
TD-PF-D is valuated cheaply with a Price/Forward Earnings ratio of 2.83.
The rest of the industry has a similar Price/Forward Earnings ratio as TD-PF-D.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.77, TD-PF-D is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.22 | ||
| Fwd PE | 2.83 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as TD-PF-D.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.92 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
TD-PF-D's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.25
PEG (5Y)1.03
EPS Next 2Y6.22%
EPS Next 3Y6.17%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.61%, TD-PF-D is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.19, TD-PF-D pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.40, TD-PF-D pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.61% |
5.2 History
The dividend of TD-PF-D is nicely growing with an annual growth rate of 7.39%!
TD-PF-D has paid a dividend for at least 10 years, which is 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
87.13% of the earnings are spent on dividend by TD-PF-D. This is not a sustainable payout ratio.
TD-PF-D's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP87.13%
EPS Next 2Y6.22%
EPS Next 3Y6.17%
TORONTO-DOMINION BANK - TD 3.201 PERP
TSX:TD-PF-D (5/26/2025, 7:00:00 PM)
24.95
+0.11 (+0.44%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners55.01%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap43.31B
Analysts76.52
Price Target25.46 (2.04%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.61% |
Yearly Dividend4.04
Dividend Growth(5Y)7.39%
DP87.13%
Div Incr Years0
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-4.04%
Min EPS beat(2)-8.09%
Max EPS beat(2)0%
EPS beat(4)2
Avg EPS beat(4)-1.2%
Min EPS beat(4)-8.09%
Max EPS beat(4)6.92%
EPS beat(8)3
Avg EPS beat(8)-2.87%
EPS beat(12)5
Avg EPS beat(12)-1.7%
EPS beat(16)7
Avg EPS beat(16)-0.38%
Revenue beat(2)1
Avg Revenue beat(2)7.25%
Min Revenue beat(2)-1.12%
Max Revenue beat(2)15.62%
Revenue beat(4)3
Avg Revenue beat(4)6.6%
Min Revenue beat(4)-1.12%
Max Revenue beat(4)15.62%
Revenue beat(8)6
Avg Revenue beat(8)4.8%
Revenue beat(12)8
Avg Revenue beat(12)4.87%
Revenue beat(16)11
Avg Revenue beat(16)3.73%
PT rev (1m)-3.29%
PT rev (3m)-2.07%
EPS NQ rev (1m)-1.93%
EPS NQ rev (3m)-6.62%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.53%
Revenue NQ rev (1m)-1.1%
Revenue NQ rev (3m)-0.91%
Revenue NY rev (1m)-0.09%
Revenue NY rev (3m)1.86%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.22 | ||
| Fwd PE | 2.83 | ||
| P/S | 0.75 | ||
| P/FCF | 1.92 | ||
| P/OCF | 1.75 | ||
| P/B | 0.36 | ||
| P/tB | 0.45 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.76
EY31.1%
EPS(NY)8.81
Fwd EY35.31%
FCF(TTM)13
FCFY52.11%
OCF(TTM)14.27
OCFY57.19%
SpS33.16
BVpS68.56
TBVpS55.45
PEG (NY)1.25
PEG (5Y)1.03
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.4% | ||
| ROE | 6.95% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 14.37% | ||
| GM | N/A | ||
| FCFM | 39.21% |
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-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.17 | ||
| Debt/FCF | 11.47 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 106.94% | ||
| Cap/Sales | 3.83% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 272.78% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
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)-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)12.89%
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 5Y4.13%
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 1Y64.29%
FCF growth 3Y2.5%
FCF growth 5YN/A
OCF growth 1Y62.32%
OCF growth 3Y3.1%
OCF growth 5Y189.32%