TORONTO-DOMINION BANK - TD 3.242 PERP (TD-PF-E.CA) Stock Fundamental Analysis
TSX:TD-PF-E - CA8911456173
25.07 CAD
+0.06 (+0.24%)
We assign a fundamental rating of 4 out of 10 to TD-PF-E. TD-PF-E was compared to 27 industry peers in the Banks industry. While TD-PF-E is still in line with the averages on profitability rating, there are concerns on its financial health. TD-PF-E is not valued too expensively and it also shows a decent growth rate. Finally TD-PF-E also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year TD-PF-E was profitable.
TD-PF-E had a positive operating cash flow in the past year.
TD-PF-E had positive earnings in each of the past 5 years.
TD-PF-E had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
TD-PF-E's Return On Assets of 1.00% is amongst the best of the industry. TD-PF-E outperforms 96.30% of its industry peers.
The Return On Equity of TD-PF-E (16.21%) is better than 96.30% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1% | ||
| ROE | 16.21% | ||
| 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-E has a better Profit Margin (29.98%) than 96.30% of its industry peers.
In the last couple of years the Profit Margin of TD-PF-E has declined.
TD-PF-E 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) | 29.98% | ||
| 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-E does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for TD-PF-E has been reduced compared to 1 year ago.
TD-PF-E has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, TD-PF-E has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of TD-PF-E is 15.32, which is on the high side as it means it would take TD-PF-E, 15.32 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 15.32, TD-PF-E perfoms like the industry average, outperforming 40.74% of the companies in the same industry.
TD-PF-E has a Debt/Equity ratio of 2.11. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 2.11, TD-PF-E is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.11 | ||
| Debt/FCF | 15.32 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.08%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 5.29% over the past year.
Measured over the past 5 years, TD-PF-E shows a small growth in Earnings Per Share. The EPS has been growing by 3.11% on average per year.
Looking at the last year, TD-PF-E shows a very strong growth in Revenue. The Revenue has grown by 23.52%.
TD-PF-E shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.86% yearly.
EPS 1Y (TTM)5.29%
EPS 3Y-0.47%
EPS 5Y3.11%
EPS Q2Q%28.25%
Revenue 1Y (TTM)23.52%
Revenue growth 3Y10.26%
Revenue growth 5Y6.86%
Sales Q2Q%29.24%
3.2 Future
TD-PF-E is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.06% yearly.
Based on estimates for the next years, TD-PF-E will show a small growth in Revenue. The Revenue will grow by 4.87% on average per year.
EPS Next Y5.77%
EPS Next 2Y6.77%
EPS Next 3Y6.79%
EPS Next 5Y8.06%
Revenue Next Year9.06%
Revenue Next 2Y6.43%
Revenue Next 3Y4.75%
Revenue Next 5Y4.87%
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
With a Price/Earnings ratio of 3.01, the valuation of TD-PF-E can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of TD-PF-E is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 27.13. TD-PF-E is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 2.82, the valuation of TD-PF-E can be described as very cheap.
TD-PF-E's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 22.76. TD-PF-E is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.01 | ||
| Fwd PE | 2.82 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of TD-PF-E indicates a somewhat cheap valuation: TD-PF-E is cheaper than 66.67% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.49 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
TD-PF-E's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.52
PEG (5Y)0.97
EPS Next 2Y6.77%
EPS Next 3Y6.79%
5. Dividend
5.1 Amount
TD-PF-E has a Yearly Dividend Yield of 4.19%, which is a nice return.
Compared to an average industry Dividend Yield of 3.64, TD-PF-E pays a better dividend. On top of this TD-PF-E pays more dividend than 85.19% of the companies listed in the same industry.
TD-PF-E's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.19% |
5.2 History
The dividend of TD-PF-E is nicely growing with an annual growth rate of 7.39%!
TD-PF-E has paid a dividend for at least 10 years, which is a reliable track record.
TD-PF-E 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
37.08% of the earnings are spent on dividend by TD-PF-E. This is a low number and sustainable payout ratio.
TD-PF-E's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP37.08%
EPS Next 2Y6.77%
EPS Next 3Y6.79%
TORONTO-DOMINION BANK - TD 3.242 PERP
TSX:TD-PF-E (8/29/2025, 7:00:00 PM)
25.07
+0.06 (+0.24%)
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 Cap43.00B
Analysts76.52
Price Target24.59 (-1.91%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.19% |
Yearly Dividend4.04
Dividend Growth(5Y)7.39%
DP37.08%
Div Incr Years0
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)16.36%
Min EPS beat(2)8.48%
Max EPS beat(2)24.24%
EPS beat(4)3
Avg EPS beat(4)6.16%
Min EPS beat(4)-8.09%
Max EPS beat(4)24.24%
EPS beat(8)5
Avg EPS beat(8)3%
EPS beat(12)6
Avg EPS beat(12)0.93%
EPS beat(16)8
Avg EPS beat(16)0.92%
Revenue beat(2)1
Avg Revenue beat(2)11.34%
Min Revenue beat(2)-2.05%
Max Revenue beat(2)24.72%
Revenue beat(4)2
Avg Revenue beat(4)9.29%
Min Revenue beat(4)-2.05%
Max Revenue beat(4)24.72%
Revenue beat(8)6
Avg Revenue beat(8)7.19%
Revenue beat(12)8
Avg Revenue beat(12)7.11%
Revenue beat(16)11
Avg Revenue beat(16)5.23%
PT rev (1m)-1.53%
PT rev (3m)-6.15%
EPS NQ rev (1m)1.13%
EPS NQ rev (3m)2%
EPS NY rev (1m)3.12%
EPS NY rev (3m)3.12%
Revenue NQ rev (1m)-0.01%
Revenue NQ rev (3m)2.23%
Revenue NY rev (1m)-0.09%
Revenue NY rev (3m)1.32%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.01 | ||
| Fwd PE | 2.82 | ||
| P/S | 0.63 | ||
| P/FCF | 2.49 | ||
| P/OCF | 2.21 | ||
| P/B | 0.34 | ||
| P/tB | 0.42 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.34
EY33.27%
EPS(NY)8.9
Fwd EY35.51%
FCF(TTM)10.05
FCFY40.09%
OCF(TTM)11.35
OCFY45.26%
SpS39.53
BVpS73.11
TBVpS60.24
PEG (NY)0.52
PEG (5Y)0.97
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1% | ||
| ROE | 16.21% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 29.98% | ||
| GM | N/A | ||
| FCFM | 25.43% |
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-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.11 | ||
| Debt/FCF | 15.32 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 103.88% | ||
| Cap/Sales | 3.28% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 84.82% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC18.08%
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)5.29%
EPS 3Y-0.47%
EPS 5Y3.11%
EPS Q2Q%28.25%
EPS Next Y5.77%
EPS Next 2Y6.77%
EPS Next 3Y6.79%
EPS Next 5Y8.06%
Revenue 1Y (TTM)23.52%
Revenue growth 3Y10.26%
Revenue growth 5Y6.86%
Sales Q2Q%29.24%
Revenue Next Year9.06%
Revenue Next 2Y6.43%
Revenue Next 3Y4.75%
Revenue Next 5Y4.87%
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 1Y121.83%
FCF growth 3Y2.5%
FCF growth 5YN/A
OCF growth 1Y125.2%
OCF growth 3Y3.1%
OCF growth 5Y189.32%