TORONTO-DOMINION BANK - TD 3.201 PERP (TD-PF-D.CA) Stock Fundamental Analysis
TSX:TD-PF-D - Toronto Stock Exchange - CA8911456330 - Currency: CAD
Taking everything into account, TD-PF-D scores 4 out of 10 in our fundamental rating. TD-PF-D was compared to 31 industry peers in the Banks industry. Both the profitability and financial health of TD-PF-D have multiple concerns. TD-PF-D has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
TD-PF-D had positive earnings in the past year.
TD-PF-D had a positive operating cash flow in the past year.
Each year in the past 5 years TD-PF-D has been profitable.
TD-PF-D had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
TD-PF-D has a worse Return On Assets (0.40%) than 77.42% of its industry peers.
TD-PF-D has a Return On Equity of 7.22%. This is in the lower half of the industry: TD-PF-D underperforms 70.97% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.4% | ||
| ROE | 7.22% | ||
| 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 14.53%, TD-PF-D is not doing good in the industry: 77.42% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of TD-PF-D has declined.
TD-PF-D 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) | 14.53% | ||
| 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-D does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for TD-PF-D has been reduced compared to 1 year ago.
TD-PF-D has less shares outstanding than it did 5 years ago.
TD-PF-D has a worse debt/assets ratio than last year.
2.2 Solvency
TD-PF-D has a debt to FCF ratio of 4.89. This is a neutral value as TD-PF-D would need 4.89 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.89, TD-PF-D belongs to the top of the industry, outperforming 93.55% of the companies in the same industry.
A Debt/Equity ratio of 2.24 is on the high side and indicates that TD-PF-D has dependencies on debt financing.
With a decent Debt to Equity ratio value of 2.24, TD-PF-D is doing good in the industry, outperforming 67.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.24 | ||
| Debt/FCF | 4.89 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.03%
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-D have decreased by -2.25% in the last year.
TD-PF-D 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 13.33% in the past year. This is quite good.
The Revenue has been growing slightly by 6.86% on average over the past years.
EPS 1Y (TTM)-2.25%
EPS 3Y-0.47%
EPS 5Y3.11%
EPS Q2Q%-6.01%
Revenue 1Y (TTM)13.33%
Revenue growth 3Y10.26%
Revenue growth 5Y6.86%
Sales Q2Q%17.66%
3.2 Future
The Earnings Per Share is expected to grow by 6.85% on average over the next years.
The Revenue is expected to grow by 2.93% on average over the next years.
EPS Next Y3.11%
EPS Next 2Y5.82%
EPS Next 3Y6.85%
EPS Next 5YN/A
Revenue Next Year5.68%
Revenue Next 2Y5.19%
Revenue Next 3Y4.6%
Revenue Next 5Y2.93%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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 3.16 indicates a rather cheap valuation of TD-PF-D.
TD-PF-D's Price/Earnings is on the same level as the industry average.
TD-PF-D is valuated cheaply when we compare the Price/Earnings ratio to 29.63, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 3.07, which indicates a rather cheap valuation of TD-PF-D.
Compared to the rest of the industry, the Price/Forward Earnings ratio of TD-PF-D is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.68, TD-PF-D is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.16 | ||
| Fwd PE | 3.07 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, TD-PF-D is valued cheaper than 90.32% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.82 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
TD-PF-D's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.02
PEG (5Y)1.02
EPS Next 2Y5.82%
EPS Next 3Y6.85%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.80%, TD-PF-D is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.02, TD-PF-D pays a better dividend. On top of this TD-PF-D pays more dividend than 87.10% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.27, TD-PF-D pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.8% |
5.2 History
The dividend of TD-PF-D is nicely growing with an annual growth rate of 7.39%!
TD-PF-D has paid a dividend for at least 10 years, which is a reliable track record.
TD-PF-D 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
86.10% of the earnings are spent on dividend by TD-PF-D. This is not a sustainable payout ratio.
TD-PF-D's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP86.1%
EPS Next 2Y5.82%
EPS Next 3Y6.85%
TORONTO-DOMINION BANK - TD 3.201 PERP
TSX:TD-PF-D (2/20/2025, 7:00:00 PM)
24.71
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 Cap43.25B
Analysts74.78
Price Target26 (5.22%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.8% |
Yearly Dividend4.04
Dividend Growth(5Y)7.39%
DP86.1%
Div Incr Years0
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-5.86%
Min EPS beat(2)-8.09%
Max EPS beat(2)-3.63%
EPS beat(4)2
Avg EPS beat(4)-0.56%
Min EPS beat(4)-8.09%
Max EPS beat(4)6.92%
EPS beat(8)2
Avg EPS beat(8)-3.06%
EPS beat(12)4
Avg EPS beat(12)-1.79%
EPS beat(16)7
Avg EPS beat(16)0.83%
Revenue beat(2)2
Avg Revenue beat(2)10.53%
Min Revenue beat(2)5.43%
Max Revenue beat(2)15.62%
Revenue beat(4)4
Avg Revenue beat(4)8.36%
Min Revenue beat(4)5.43%
Max Revenue beat(4)15.62%
Revenue beat(8)6
Avg Revenue beat(8)4.42%
Revenue beat(12)9
Avg Revenue beat(12)5.06%
Revenue beat(16)12
Avg Revenue beat(16)4.07%
PT rev (1m)-5.54%
PT rev (3m)-2.56%
EPS NQ rev (1m)-1.43%
EPS NQ rev (3m)-5.8%
EPS NY rev (1m)-2.14%
EPS NY rev (3m)-3.22%
Revenue NQ rev (1m)1.96%
Revenue NQ rev (3m)-3.17%
Revenue NY rev (1m)2.55%
Revenue NY rev (3m)2.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.16 | ||
| Fwd PE | 3.07 | ||
| P/S | 0.76 | ||
| P/FCF | 0.82 | ||
| P/OCF | 0.79 | ||
| P/B | 0.38 | ||
| P/tB | 0.46 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.81
EY31.61%
EPS(NY)8.05
Fwd EY32.59%
FCF(TTM)30.14
FCFY121.98%
OCF(TTM)31.38
OCFY127.01%
SpS32.69
BVpS65.79
TBVpS53.28
PEG (NY)1.02
PEG (5Y)1.02
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.4% | ||
| ROE | 7.22% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 14.53% | ||
| GM | N/A | ||
| FCFM | 92.2% |
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 | 2.24 | ||
| Debt/FCF | 4.89 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 107.4% | ||
| Cap/Sales | 3.8% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 634.44% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC18.03%
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)-2.25%
EPS 3Y-0.47%
EPS 5Y3.11%
EPS Q2Q%-6.01%
EPS Next Y3.11%
EPS Next 2Y5.82%
EPS Next 3Y6.85%
EPS Next 5YN/A
Revenue 1Y (TTM)13.33%
Revenue growth 3Y10.26%
Revenue growth 5Y6.86%
Sales Q2Q%17.66%
Revenue Next Year5.68%
Revenue Next 2Y5.19%
Revenue Next 3Y4.6%
Revenue Next 5Y2.93%
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 1Y178.58%
FCF growth 3Y2.5%
FCF growth 5YN/A
OCF growth 1Y184.13%
OCF growth 3Y3.1%
OCF growth 5Y189.32%