TORONTO-DOMINION BANK - TD 5.747 PERP (TD-PF-J.CA) Stock Fundamental Analysis
TSX:TD-PF-J - Toronto Stock Exchange - CA8911606249 - Currency: CAD
Taking everything into account, TD-PF-J scores 3 out of 10 in our fundamental rating. TD-PF-J was compared to 30 industry peers in the Banks industry. TD-PF-J may be in some trouble as it scores bad on both profitability and health. TD-PF-J 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-J was profitable.
In the past year TD-PF-J had a positive cash flow from operations.
In the past 5 years TD-PF-J has always been profitable.
TD-PF-J had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
TD-PF-J's Return On Assets of 0.40% is on the low side compared to the rest of the industry. TD-PF-J is outperformed by 83.33% of its industry peers.
Looking at the Return On Equity, with a value of 6.95%, TD-PF-J is doing worse than 73.33% of the companies in the same industry.
| 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
Looking at the Profit Margin, with a value of 14.37%, TD-PF-J is doing worse than 83.33% of the companies in the same industry.
TD-PF-J's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for TD-PF-J so they could not be analyzed.
| 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-J does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for TD-PF-J has been reduced compared to 1 year ago.
The number of shares outstanding for TD-PF-J has been reduced compared to 5 years ago.
TD-PF-J has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of TD-PF-J is 11.47, which is on the high side as it means it would take TD-PF-J, 11.47 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 11.47, TD-PF-J is in line with its industry, outperforming 50.00% of the companies in the same industry.
A Debt/Equity ratio of 2.17 is on the high side and indicates that TD-PF-J has dependencies on debt financing.
The Debt to Equity ratio of TD-PF-J (2.17) is better than 63.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.17 | ||
| Debt/FCF | 11.47 | ||
| 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 has been growing slightly by 0.90% over the past year.
TD-PF-J 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 10.73% in the past year. This is quite good.
Measured over the past years, TD-PF-J shows a small growth in Revenue. The Revenue has been growing by 6.86% on average per year.
EPS 1Y (TTM)0.9%
EPS 3Y-0.47%
EPS 5Y3.11%
EPS Q2Q%1%
Revenue 1Y (TTM)10.73%
Revenue growth 3Y10.26%
Revenue growth 5Y6.86%
Sales Q2Q%2.44%
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 4.13% 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
With a Price/Earnings ratio of 3.26, the valuation of TD-PF-J can be described as very cheap.
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 25.82.
Based on the Price/Forward Earnings ratio of 2.90, the valuation of TD-PF-J can be described as very cheap.
TD-PF-J's Price/Forward Earnings ratio is in line with the industry average.
TD-PF-J is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.76, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.26 | ||
| Fwd PE | 2.9 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of TD-PF-J is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.98 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
TD-PF-J's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.27
PEG (5Y)1.05
EPS Next 2Y6.22%
EPS Next 3Y6.17%
5. Dividend
5.1 Amount
TD-PF-J has a Yearly Dividend Yield of 4.61%, which is a nice return.
TD-PF-J's Dividend Yield is a higher than the industry average which is at 4.20.
Compared to an average S&P500 Dividend Yield of 2.36, TD-PF-J pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.61% |
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 87.13% of its income as dividend. This is not a sustainable payout ratio.
TD-PF-J'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 5.747 PERP
TSX:TD-PF-J (5/23/2025, 7:00:00 PM)
25.52
+0.29 (+1.15%)
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 Cap44.30B
Analysts76.52
Price Target26.07 (2.16%)
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 Years2
Div Non Decr Years6
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)4.89%
Revenue beat(16)11
Avg Revenue beat(16)3.74%
PT rev (1m)-3.67%
PT rev (3m)-1.04%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4.78%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.76%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.19%
Revenue NY rev (1m)0.35%
Revenue NY rev (3m)4.45%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.26 | ||
| Fwd PE | 2.9 | ||
| P/S | 0.78 | ||
| P/FCF | 1.98 | ||
| P/OCF | 1.81 | ||
| P/B | 0.38 | ||
| P/tB | 0.46 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.83
EY30.68%
EPS(NY)8.81
Fwd EY34.53%
FCF(TTM)12.88
FCFY50.46%
OCF(TTM)14.14
OCFY55.39%
SpS32.85
BVpS67.91
TBVpS54.93
PEG (NY)1.27
PEG (5Y)1.05
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-Score6
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-Score6
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)0.9%
EPS 3Y-0.47%
EPS 5Y3.11%
EPS Q2Q%1%
EPS Next Y2.56%
EPS Next 2Y6.22%
EPS Next 3Y6.17%
EPS Next 5YN/A
Revenue 1Y (TTM)10.73%
Revenue growth 3Y10.26%
Revenue growth 5Y6.86%
Sales Q2Q%2.44%
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%