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 29 industry peers in the Banks industry. Both the profitability and financial health of TD-PF-E have multiple concerns. TD-PF-E is not valued too expensively and it also shows a decent growth rate.
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.
Each year in the past 5 years TD-PF-E has been profitable.
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 0.82%. This is amongst the best in the industry. TD-PF-E outperforms 96.55% of its industry peers.
TD-PF-E 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
The Profit Margin of TD-PF-E (25.24%) is comparable to the rest of the industry.
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) | 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-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.
Compared to 5 years ago, TD-PF-E has less shares outstanding
Compared to 1 year ago, TD-PF-E has a worse debt to assets ratio.
2.2 Solvency
TD-PF-E has a debt to FCF ratio of 8.50. This is a slightly negative value and a sign of low solvency as TD-PF-E would need 8.50 years to pay back of all of its debts.
The Debt to FCF ratio of TD-PF-E (8.50) is comparable to the rest of the industry.
TD-PF-E has a Debt/Equity ratio of 1.95. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of TD-PF-E (1.95) is better than 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
TD-PF-E shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.27%.
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.
The Revenue has grown by 24.34% in the past year. This is a very strong growth!
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)24.34%
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.
The Revenue is expected to grow by 4.34% on average over the next years.
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
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.
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
Based on the Price/Earnings ratio of 3.22, the valuation of TD-PF-E can be described as very cheap.
TD-PF-E's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of TD-PF-E to the average of the S&P500 Index (26.54), we can say TD-PF-E is valued rather cheaply.
The Price/Forward Earnings ratio is 2.84, 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.
The average S&P500 Price/Forward Earnings ratio is at 35.28. TD-PF-E is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.22 | ||
| Fwd PE | 2.84 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, TD-PF-E is valued a bit cheaper than 62.07% of the companies in the same industry.
| 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 4.13%, TD-PF-E is a good candidate for dividend investing.
TD-PF-E's Dividend Yield is comparable with the industry average which is at 4.60.
TD-PF-E's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.13% |
5.2 History
On average, the dividend of TD-PF-E grows each year by 7.39%, which is quite nice.
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
43.80% of the earnings are spent on dividend by TD-PF-E. This is a bit on the high side, but may be sustainable.
TD-PF-E'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 3.242 PERP
TSX:TD-PF-E (8/7/2025, 7:00:00 PM)
25
0 (0%)
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 Target24.97 (-0.12%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.13% |
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)0%
PT rev (3m)-4.69%
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%