TORONTO-DOMINION BANK - TD 6.301 PERP (TD-PF-I.CA) Stock Fundamental Analysis
TSX:TD-PF-I - Toronto Stock Exchange - CA8911606405 - Currency: CAD
We assign a fundamental rating of 3 out of 10 to TD-PF-I. TD-PF-I was compared to 29 industry peers in the Banks industry. TD-PF-I has a bad profitability rating. Also its financial health evaluation is rather negative. TD-PF-I has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
TD-PF-I had positive earnings in the past year.
TD-PF-I had a positive operating cash flow in the past year.
In the past 5 years TD-PF-I has always been profitable.
Of the past 5 years TD-PF-I 4 years had a positive operating cash flow.
1.2 Ratios
TD-PF-I has a better Return On Assets (0.82%) than 86.21% of its industry peers.
Looking at the Return On Equity, with a value of 13.35%, TD-PF-I is in the better half of the industry, outperforming 68.97% of the companies in the same industry.
| 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
TD-PF-I has a Profit Margin of 25.24%. This is in the lower half of the industry: TD-PF-I underperforms 65.52% of its industry peers.
TD-PF-I's Profit Margin has declined in the last couple of years.
TD-PF-I 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-I does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, TD-PF-I has less shares outstanding
TD-PF-I has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, TD-PF-I has a worse debt to assets ratio.
2.2 Solvency
TD-PF-I has a debt to FCF ratio of 8.50. This is a slightly negative value and a sign of low solvency as TD-PF-I would need 8.50 years to pay back of all of its debts.
TD-PF-I's Debt to FCF ratio of 8.50 is on the low side compared to the rest of the industry. TD-PF-I is outperformed by 68.97% of its industry peers.
TD-PF-I has a Debt/Equity ratio of 1.95. This is a high value indicating a heavy dependency on external financing.
TD-PF-I has a Debt to Equity ratio (1.95) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.95 | ||
| Debt/FCF | 8.5 | ||
| 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-I have decreased by -1.27% in the last year.
The Earnings Per Share has been growing slightly by 3.11% on average over the past years.
Looking at the last year, TD-PF-I shows a very strong growth in Revenue. The Revenue has grown by 24.34%.
TD-PF-I 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
Based on estimates for the next years, TD-PF-I will show a small growth in Earnings Per Share. The EPS will grow by 6.17% on average per year.
Based on estimates for the next years, TD-PF-I will show a small growth in Revenue. The Revenue will grow by 4.34% on average per year.
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 5Y4.34%
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
Based on the Price/Earnings ratio of 3.43, the valuation of TD-PF-I can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of TD-PF-I indicates a slightly more expensive valuation: TD-PF-I is more expensive than 62.07% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.61. TD-PF-I is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 3.02, the valuation of TD-PF-I can be described as very cheap.
TD-PF-I's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of TD-PF-I to the average of the S&P500 Index (37.13), we can say TD-PF-I is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.43 | ||
| Fwd PE | 3.02 |
4.2 Price Multiples
TD-PF-I's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.58 | ||
| 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)1.34
PEG (5Y)1.1
EPS Next 2Y6.22%
EPS Next 3Y6.17%
5. Dividend
5.1 Amount
TD-PF-I has a Yearly Dividend Yield of 3.23%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.42, TD-PF-I's dividend is way lower than its industry peers. On top of this 86.21% of the companies listed in the same industry pay a better dividend than TD-PF-I!
Compared to an average S&P500 Dividend Yield of 2.32, TD-PF-I pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.23% |
5.2 History
The dividend of TD-PF-I is nicely growing with an annual growth rate of 7.39%!
TD-PF-I has been paying a dividend for over 5 years, so it has already some track record.
TD-PF-I has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)7.39%
Div Incr Years0
Div Non Decr Years7
5.3 Sustainability
43.80% of the earnings are spent on dividend by TD-PF-I. This is a bit on the high side, but may be sustainable.
TD-PF-I'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 6.301 PERP
TSX:TD-PF-I (7/30/2025, 7:00:00 PM)
26.6
+0.06 (+0.23%)
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 Cap45.76B
Analysts76.52
Price Target25.62 (-3.68%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.23% |
Yearly Dividend4.04
Dividend Growth(5Y)7.39%
DP43.8%
Div Incr Years0
Div Non Decr Years7
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)-3.27%
PT rev (3m)-4.94%
EPS NQ rev (1m)2.62%
EPS NQ rev (3m)0.99%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-0.51%
Revenue NQ rev (3m)-0.23%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.09%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.43 | ||
| Fwd PE | 3.02 | ||
| P/S | 0.69 | ||
| P/FCF | 1.58 | ||
| P/OCF | 1.47 | ||
| P/B | 0.36 | ||
| P/tB | 0.44 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.76
EY29.17%
EPS(NY)8.81
Fwd EY33.12%
FCF(TTM)16.86
FCFY63.4%
OCF(TTM)18.15
OCFY68.23%
SpS38.75
BVpS73.29
TBVpS60.58
PEG (NY)1.34
PEG (5Y)1.1
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
WACC18.02%
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)24.34%
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 5Y4.34%
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%