TORONTO-DOMINION BANK - TD 3.242 PERP (TD-PF-E.CA) Stock Fundamental Analysis
TSX:TD-PF-E - Toronto Stock Exchange - CA8911456173 - Currency: CAD
Overall TD-PF-E gets a fundamental rating of 3 out of 10. We evaluated TD-PF-E against 30 industry peers in the Banks industry. TD-PF-E has a bad profitability rating. Also its financial health evaluation is rather negative. TD-PF-E has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year TD-PF-E was profitable.
In the past year TD-PF-E had a positive cash flow from operations.
TD-PF-E had positive earnings in each of the past 5 years.
Of the past 5 years TD-PF-E 4 years had a positive operating cash flow.
1.2 Ratios
TD-PF-E has a Return On Assets of 0.40%. This is in the lower half of the industry: TD-PF-E underperforms 76.67% of its industry peers.
TD-PF-E has a worse Return On Equity (6.95%) than 66.67% 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-E has a worse Profit Margin (14.37%) than 76.67% of its industry peers.
TD-PF-E's Profit Margin has declined in the last couple of years.
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) | 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-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 11.47, which is on the high side as it means it would take TD-PF-E, 11.47 years of fcf income to pay off all of its debts.
TD-PF-E has a Debt to FCF ratio (11.47) which is comparable to the rest of the industry.
TD-PF-E has a Debt/Equity ratio of 2.17. This is a high value indicating a heavy dependency on external financing.
TD-PF-E's Debt to Equity ratio of 2.17 is fine compared to the rest of the industry. TD-PF-E outperforms 70.00% of its industry peers.
| 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
The earnings per share for TD-PF-E have decreased by -1.27% in the last year.
TD-PF-E shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.11% yearly.
The Revenue has grown by 12.89% in the past year. This is quite good.
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)-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
TD-PF-E 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-E 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
The EPS growth rate is accelerating: in the next years the growth will be better 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
The Price/Earnings ratio is 3.20, which indicates a rather cheap valuation of TD-PF-E.
Compared to the rest of the industry, the Price/Earnings ratio of TD-PF-E is on the same level as its industry peers.
TD-PF-E's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.20.
The Price/Forward Earnings ratio is 2.82, which indicates a rather cheap valuation of TD-PF-E.
TD-PF-E's Price/Forward Earnings ratio is in line with the industry average.
TD-PF-E is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.13, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.2 | ||
| Fwd PE | 2.82 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as TD-PF-E.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.91 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
TD-PF-E'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
TD-PF-E has a Yearly Dividend Yield of 4.61%, which is a nice return.
Compared to an average industry Dividend Yield of 4.19, TD-PF-E pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.40, TD-PF-E pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.61% |
5.2 History
The dividend of TD-PF-E is nicely growing with an annual growth rate of 7.39%!
TD-PF-E has been paying a dividend for at least 10 years, so it has 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
87.13% of the earnings are spent on dividend by TD-PF-E. This is not a sustainable payout ratio.
TD-PF-E'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 3.242 PERP
TSX:TD-PF-E (5/28/2025, 7:00:00 PM)
24.84
0 (0%)
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 Cap43.12B
Analysts76.52
Price Target26.2 (5.48%)
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)0%
PT rev (3m)1.26%
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 | 3.2 | ||
| Fwd PE | 2.82 | ||
| P/S | 0.75 | ||
| P/FCF | 1.91 | ||
| P/OCF | 1.74 | ||
| P/B | 0.36 | ||
| P/tB | 0.45 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.76
EY31.24%
EPS(NY)8.81
Fwd EY35.47%
FCF(TTM)13
FCFY52.34%
OCF(TTM)14.27
OCFY57.45%
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%