TORONTO-DOMINION BANK - TD 3.242 PERP(TSX:TD-PF-E) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to TD-PF-E. TD-PF-E was compared to 30 industry peers in the Banks industry. Both the profitability and financial health of TD-PF-E have multiple concerns. TD-PF-E has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

TD-PF-E had positive earnings in the past year.

In the past year TD-PF-E had a positive cash flow from operations.

Each year in the past 5 years TD-PF-E has been profitable.

Of the past 5 years TD-PF-E 4 years had a positive operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.40%, TD-PF-E is doing worse than 76.67% of the companies in the same industry.

TD-PF-E has a Return On Equity of 6.95%. This is in the lower half of the industry: TD-PF-E underperforms 66.67% 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-E's Profit Margin of 14.37% is on the low side compared to the rest of the industry. TD-PF-E is outperformed by 76.67% of its industry peers.

In the last couple of years the Profit Margin of TD-PF-E has declined.

TD-PF-E 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

TD-PF-E does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, TD-PF-E has less shares outstanding

TD-PF-E has less shares outstanding than it did 5 years ago.

TD-PF-E has a worse debt/assets ratio than last year.

2.2 Solvency

TD-PF-E has a debt to FCF ratio of 11.47. This is a negative value and a sign of low solvency as TD-PF-E would need 11.47 years to pay back of all of its debts.

The Debt to FCF ratio of TD-PF-E (11.47) 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-E has dependencies on debt financing.

TD-PF-E has a Debt to Equity ratio of 2.17. This is in the better half of the industry: TD-PF-E outperforms 70.00% 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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

TD-PF-E shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.90%.

Measured over the past 5 years, TD-PF-E 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-E shows a quite strong growth in Revenue. The Revenue has grown by 10.73% in the last year.

TD-PF-E shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.86% yearly.

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

The Earnings Per Share is expected to grow by 6.17% on average over the next years.

TD-PF-E 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 Year7.26%

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.

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4. Valuation

4.1 Price/Earnings Ratio

TD-PF-E is valuated cheaply with a Price/Earnings ratio of 3.13.

TD-PF-E's Price/Earnings is on the same level as the industry average.

Compared to an average S&P500 Price/Earnings ratio of 28.92, TD-PF-E is valued rather cheaply.

The Price/Forward Earnings ratio is 2.78, which indicates a rather cheap valuation of TD-PF-E.

TD-PF-E's Price/Forward Earnings is on the same level as the industry average.

TD-PF-E is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.65, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	3.13
Fwd PE	2.78

4.2 Price Multiples

TD-PF-E's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	1.9
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)1.22

PEG (5Y)1.01

EPS Next 2Y6.22%

EPS Next 3Y6.17%

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5. Dividend

5.1 Amount

TD-PF-E has a Yearly Dividend Yield of 4.93%, which is a nice return.

TD-PF-E's Dividend Yield is a higher than the industry average which is at 4.53.

TD-PF-E's Dividend Yield is rather good when compared to the S&P500 average which is at 2.51.

		Industry Rank	Sector Rank
Dividend Yield	4.93%

5.2 History

On average, the dividend of TD-PF-E grows each year by 7.39%, which is quite nice.

TD-PF-E has been paying a dividend for at least 10 years, so it has a reliable track record.

TD-PF-E 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-E pays out 87.13% of its income as dividend. This is not a sustainable payout ratio.

The dividend of TD-PF-E 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%

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TORONTO-DOMINION BANK - TD 3.242 PERP

TSX:TD-PF-E (4/24/2025, 7:00:00 PM)

24.51

+0.01 (+0.04%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-27 2025-02-27/bmo

Earnings (Next)05-22 2025-05-22/bmo

Inst Owners55.01%

Inst Owner ChangeN/A

Ins Owners0.02%

Ins Owner ChangeN/A

Market Cap42.95B

Analysts75.83

Price Target26.2 (6.9%)

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-Date04-10 2025-04-10 (0.202625)

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)1.13%

PT rev (3m)-4.69%

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	3.13
Fwd PE	2.78
P/S	0.75
P/FCF	1.9
P/OCF	1.73
P/B	0.36
P/tB	0.45
EV/EBITDA	N/A

EPS(TTM)7.83

EY31.95%

EPS(NY)8.81

Fwd EY35.95%

FCF(TTM)12.88

FCFY52.54%

OCF(TTM)14.14

OCFY57.67%

SpS32.85

BVpS67.91

TBVpS54.93

PEG (NY)1.22

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%

TORONTO-DOMINION BANK - TD 3.242 PERP (TD-PF-E.CA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens