TORONTO-DOMINION BANK - TD 3.242 PERP (TD-PF-E.CA) Stock Fundamental Analysis
TSX:TD-PF-E - Toronto Stock Exchange - CA8911456173 - Currency: CAD
We assign a fundamental rating of 4 out of 10 to TD-PF-E. TD-PF-E was compared to 31 industry peers in the Banks industry. TD-PF-E has a bad profitability rating. Also its financial health evaluation is rather negative. TD-PF-E has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
TD-PF-E had positive earnings in the past year.
TD-PF-E had a positive operating cash flow in the past year.
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
TD-PF-E has a worse Return On Assets (0.40%) than 74.19% of its industry peers.
The Return On Equity of TD-PF-E (7.22%) is worse than 67.74% 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
TD-PF-E has a Profit Margin of 14.53%. This is in the lower half of the industry: TD-PF-E underperforms 74.19% of its industry peers.
TD-PF-E's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for TD-PF-E so they could not be analyzed.
| 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-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 4.89. This is a neutral value as TD-PF-E would need 4.89 years to pay back of all of its debts.
TD-PF-E's Debt to FCF ratio of 4.89 is amongst the best of the industry. TD-PF-E outperforms 96.77% of its industry peers.
TD-PF-E has a Debt/Equity ratio of 2.24. This is a high value indicating a heavy dependency on external financing.
With a decent Debt to Equity ratio value of 2.24, TD-PF-E is doing good in the industry, outperforming 70.97% 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-E have decreased by -2.25% in the last year.
The Earnings Per Share has been growing slightly by 3.11% on average over the past years.
TD-PF-E shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 13.33%.
Measured over the past years, TD-PF-E shows a small growth in Revenue. The Revenue has been growing by 6.86% on average per year.
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
TD-PF-E is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.85% yearly.
Based on estimates for the next years, TD-PF-E will show a small growth in Revenue. The Revenue will grow by 2.93% on average per year.
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.
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
A Price/Earnings ratio of 3.15 indicates a rather cheap valuation of TD-PF-E.
61.29% of the companies in the same industry are more expensive than TD-PF-E, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 29.63. TD-PF-E is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 3.05, the valuation of TD-PF-E can be described as very cheap.
Based on the Price/Forward Earnings ratio, TD-PF-E is valued a bit cheaper than 61.29% of the companies in the same industry.
TD-PF-E is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.68, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.15 | ||
| Fwd PE | 3.05 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, TD-PF-E is valued cheaper than 93.55% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.82 | ||
| 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)1.01
PEG (5Y)1.01
EPS Next 2Y5.82%
EPS Next 3Y6.85%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.80%, TD-PF-E is a good candidate for dividend investing.
TD-PF-E's Dividend Yield is rather good when compared to the industry average which is at 4.02. TD-PF-E pays more dividend than 90.32% of the companies in the same industry.
TD-PF-E's Dividend Yield is rather good when compared to the S&P500 average which is at 2.27.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.8% |
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 86.10% 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.
DP86.1%
EPS Next 2Y5.82%
EPS Next 3Y6.85%
TORONTO-DOMINION BANK - TD 3.242 PERP
TSX:TD-PF-E (2/21/2025, 7:00:00 PM)
24.58
+0.02 (+0.08%)
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 Cap43.03B
Analysts74.78
Price Target25.88 (5.29%)
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)-5.88%
PT rev (3m)-2.63%
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 | 3.15 | ||
| Fwd PE | 3.05 | ||
| P/S | 0.75 | ||
| P/FCF | 0.82 | ||
| P/OCF | 0.78 | ||
| P/B | 0.37 | ||
| P/tB | 0.46 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.81
EY31.77%
EPS(NY)8.05
Fwd EY32.76%
FCF(TTM)30.14
FCFY122.62%
OCF(TTM)31.38
OCFY127.68%
SpS32.69
BVpS65.79
TBVpS53.28
PEG (NY)1.01
PEG (5Y)1.01
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%