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 3 out of 10 in our fundamental rating. TD-PF-D was compared to 30 industry peers in the Banks industry. TD-PF-D may be in some trouble as it scores bad on both profitability and health. 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.
TD-PF-D had positive earnings in each of the past 5 years.
Of the past 5 years TD-PF-D 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of TD-PF-D (0.40%) is worse than 80.00% of its industry peers.
TD-PF-D has a worse Return On Equity (6.95%) than 70.00% of its industry peers.
| 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
TD-PF-D's Profit Margin of 14.37% is on the low side compared to the rest of the industry. TD-PF-D is outperformed by 80.00% of its industry peers.
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) | 14.37% | ||
| 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-D does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, TD-PF-D has less shares outstanding
The number of shares outstanding for TD-PF-D has been reduced compared to 5 years ago.
The debt/assets ratio for TD-PF-D is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of TD-PF-D is 11.47, which is on the high side as it means it would take TD-PF-D, 11.47 years of fcf income to pay off all of its debts.
TD-PF-D has a Debt to FCF ratio (11.47) which is comparable to the rest of the industry.
A Debt/Equity ratio of 2.17 is on the high side and indicates that TD-PF-D has dependencies on debt financing.
TD-PF-D's Debt to Equity ratio of 2.17 is fine compared to the rest of the industry. TD-PF-D outperforms 66.67% 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-D shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.11% yearly.
TD-PF-D shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.73%.
The Revenue has been growing slightly by 6.86% on average over the past years.
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-D 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 4.13% on average over the next years.
EPS Next Y2.56%
EPS Next 2Y6.22%
EPS Next 3Y6.17%
EPS Next 5YN/A
Revenue Next Year7.26%
Revenue Next 2Y5.87%
Revenue Next 3Y5.15%
Revenue Next 5Y4.13%
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.
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 3.15, the valuation of TD-PF-D can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of TD-PF-D is on the same level as its industry peers.
When comparing the Price/Earnings ratio of TD-PF-D to the average of the S&P500 Index (28.79), we can say TD-PF-D is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 2.80, the valuation of TD-PF-D can be described as very cheap.
TD-PF-D's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of TD-PF-D to the average of the S&P500 Index (21.38), we can say TD-PF-D is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.15 | ||
| Fwd PE | 2.8 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of TD-PF-D is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.91 | ||
| 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)1.23
PEG (5Y)1.01
EPS Next 2Y6.22%
EPS Next 3Y6.17%
5. Dividend
5.1 Amount
TD-PF-D has a Yearly Dividend Yield of 4.93%, which is a nice return.
TD-PF-D's Dividend Yield is a higher than the industry average which is at 4.53.
Compared to an average S&P500 Dividend Yield of 2.51, TD-PF-D pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.93% |
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
TD-PF-D pays out 87.13% of its income as dividend. This is not a sustainable payout ratio.
The dividend of TD-PF-D is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP87.13%
EPS Next 2Y6.22%
EPS Next 3Y6.17%
TORONTO-DOMINION BANK - TD 3.201 PERP
TSX:TD-PF-D (4/25/2025, 7:00:00 PM)
24.65
-0.01 (-0.04%)
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 Cap43.19B
Analysts75.83
Price Target26.33 (6.82%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.93% |
Yearly Dividend4.04
Dividend Growth(5Y)7.39%
DP87.13%
Div Incr Years0
Div Non Decr Years3
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)1.05%
PT rev (3m)-4.34%
EPS NQ rev (1m)-0.06%
EPS NQ rev (3m)-5.4%
EPS NY rev (1m)-0.53%
EPS NY rev (3m)-2.66%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.09%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.15 | ||
| Fwd PE | 2.8 | ||
| P/S | 0.75 | ||
| P/FCF | 1.91 | ||
| P/OCF | 1.74 | ||
| P/B | 0.36 | ||
| P/tB | 0.45 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.83
EY31.76%
EPS(NY)8.81
Fwd EY35.74%
FCF(TTM)12.88
FCFY52.25%
OCF(TTM)14.14
OCFY57.35%
SpS32.85
BVpS67.91
TBVpS54.93
PEG (NY)1.23
PEG (5Y)1.01
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 Year7.26%
Revenue Next 2Y5.87%
Revenue Next 3Y5.15%
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%