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 has a bad profitability rating. Also its financial health evaluation is rather negative. TD-PF-J has a correct valuation and a medium 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.
Each year in the past 5 years TD-PF-J has been profitable.
Of the past 5 years TD-PF-J 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-J is doing worse than 83.33% of the companies in the same industry.
TD-PF-J's Return On Equity of 6.95% is on the low side compared to the rest of the industry. TD-PF-J is outperformed by 73.33% 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-J has a Profit Margin of 14.37%. This is amonst the worse of the industry: TD-PF-J underperforms 83.33% of its industry peers.
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.
TD-PF-J has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, TD-PF-J has less shares outstanding
TD-PF-J has a worse debt/assets ratio than last year.
2.2 Solvency
TD-PF-J has a debt to FCF ratio of 11.47. This is a negative value and a sign of low solvency as TD-PF-J would need 11.47 years to pay back of 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.
Looking at the Debt to Equity ratio, with a value of 2.17, TD-PF-J is in the better half of the industry, outperforming 63.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.17 | ||
| Debt/FCF | 11.47 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
TD-PF-J shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.90%.
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.
TD-PF-J shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.73%.
TD-PF-J 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
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.
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
Based on the Price/Earnings ratio of 3.19, 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.
When comparing the Price/Earnings ratio of TD-PF-J to the average of the S&P500 Index (28.64), we can say TD-PF-J is valued rather cheaply.
A Price/Forward Earnings ratio of 2.83 indicates a rather cheap valuation of TD-PF-J.
Compared to the rest of the industry, the Price/Forward Earnings ratio of TD-PF-J is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 21.44. TD-PF-J is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.19 | ||
| Fwd PE | 2.83 |
4.2 Price Multiples
TD-PF-J's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.94 | ||
| 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)1.24
PEG (5Y)1.02
EPS Next 2Y6.22%
EPS Next 3Y6.17%
5. Dividend
5.1 Amount
TD-PF-J has a Yearly Dividend Yield of 4.93%, which is a nice return.
Compared to an average industry Dividend Yield of 4.53, TD-PF-J pays a bit more dividend than its industry peers.
TD-PF-J's Dividend Yield is rather good when compared to the S&P500 average which is at 2.52.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.93% |
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.
TD-PF-J has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
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 (4/23/2025, 7:00:00 PM)
24.95
+0.05 (+0.2%)
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 Cap43.72B
Analysts75.83
Price Target27.07 (8.5%)
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 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)0.49%
PT rev (3m)-5.3%
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 | 3.19 | ||
| Fwd PE | 2.83 | ||
| P/S | 0.76 | ||
| P/FCF | 1.94 | ||
| P/OCF | 1.77 | ||
| P/B | 0.37 | ||
| P/tB | 0.45 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.83
EY31.38%
EPS(NY)8.81
Fwd EY35.31%
FCF(TTM)12.88
FCFY51.62%
OCF(TTM)14.14
OCFY56.66%
SpS32.85
BVpS67.91
TBVpS54.93
PEG (NY)1.24
PEG (5Y)1.02
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%
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%