TORONTO-DOMINION BANK - TD 5.747 PERP (TD-PF-J.CA) Stock Fundamental Analysis
TSX:TD-PF-J - Toronto Stock Exchange - CA8911606249 - Currency: CAD
We assign a fundamental rating of 3 out of 10 to TD-PF-J. TD-PF-J was compared to 29 industry peers in the Banks industry. Both the profitability and financial health of TD-PF-J have multiple concerns. TD-PF-J has a correct valuation and a medium growth rate. Finally TD-PF-J also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year TD-PF-J was profitable.
TD-PF-J had a positive operating cash flow in the past year.
Each year in the past 5 years TD-PF-J has been profitable.
TD-PF-J had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.82%, TD-PF-J belongs to the top of the industry, outperforming 89.66% of the companies in the same industry.
Looking at the Return On Equity, with a value of 13.35%, TD-PF-J is in the better half of the industry, outperforming 72.41% 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
With a Profit Margin value of 25.24%, TD-PF-J is not doing good in the industry: 62.07% of the companies in the same industry are doing better.
TD-PF-J's Profit Margin has declined in the last couple of years.
TD-PF-J 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-J does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, TD-PF-J has less shares outstanding
TD-PF-J has less shares outstanding than it did 5 years ago.
TD-PF-J has a worse debt/assets ratio than last year.
2.2 Solvency
TD-PF-J has a debt to FCF ratio of 8.50. This is a slightly negative value and a sign of low solvency as TD-PF-J would need 8.50 years to pay back of all of its debts.
TD-PF-J's Debt to FCF ratio of 8.50 is on the low side compared to the rest of the industry. TD-PF-J is outperformed by 65.52% of its industry peers.
TD-PF-J has a Debt/Equity ratio of 1.95. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.95, TD-PF-J is in the better half of the industry, outperforming 62.07% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.95 | ||
| Debt/FCF | 8.5 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.01%
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-J have decreased by -1.27% in the last year.
Measured over the past 5 years, TD-PF-J 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-J shows a very strong growth in Revenue. The Revenue has grown by 24.34%.
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-J 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-J is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.35% 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 5Y4.35%
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
A Price/Earnings ratio of 3.29 indicates a rather cheap valuation of TD-PF-J.
Compared to the rest of the industry, the Price/Earnings ratio of TD-PF-J is on the same level as its industry peers.
TD-PF-J's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.32.
TD-PF-J is valuated cheaply with a Price/Forward Earnings ratio of 2.90.
Compared to the rest of the industry, the Price/Forward Earnings ratio of TD-PF-J is on the same level as its industry peers.
TD-PF-J's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.19.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.29 | ||
| Fwd PE | 2.9 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as TD-PF-J.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.53 | ||
| 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)1.28
PEG (5Y)1.06
EPS Next 2Y6.22%
EPS Next 3Y6.17%
5. Dividend
5.1 Amount
TD-PF-J has a Yearly Dividend Yield of 4.33%, which is a nice return.
Compared to an average industry Dividend Yield of 4.02, TD-PF-J pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.40, TD-PF-J pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.33% |
5.2 History
On average, the dividend of TD-PF-J grows each year by 7.39%, which is quite nice.
TD-PF-J has been paying a dividend for over 5 years, so it has already some track record.
As TD-PF-J did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)7.39%
Div Incr Years2
Div Non Decr Years6
5.3 Sustainability
TD-PF-J pays out 43.80% of its income as dividend. This is a bit on the high side, but may be sustainable.
TD-PF-J'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 5.747 PERP
TSX:TD-PF-J (6/16/2025, 7:00:00 PM)
25.51
-0.14 (-0.55%)
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 Cap44.28B
Analysts76.52
Price Target26.11 (2.35%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.33% |
Yearly Dividend4.04
Dividend Growth(5Y)7.39%
DP43.8%
Div Incr Years2
Div Non Decr Years6
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)0.15%
PT rev (3m)-3.05%
EPS NQ rev (1m)-1.59%
EPS NQ rev (3m)-1.66%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.53%
Revenue NQ rev (1m)0.28%
Revenue NQ rev (3m)0.28%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.35%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.29 | ||
| Fwd PE | 2.9 | ||
| P/S | 0.66 | ||
| P/FCF | 1.53 | ||
| P/OCF | 1.42 | ||
| P/B | 0.35 | ||
| P/tB | 0.42 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.76
EY30.42%
EPS(NY)8.81
Fwd EY34.54%
FCF(TTM)16.71
FCFY65.52%
OCF(TTM)17.99
OCFY70.52%
SpS38.41
BVpS72.64
TBVpS60.04
PEG (NY)1.28
PEG (5Y)1.06
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
WACC18.01%
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 5Y4.35%
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%