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 4 out of 10 in our fundamental rating. TD-PF-J was compared to 31 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
TD-PF-J had positive earnings in the past year.
In the past year TD-PF-J had a positive cash flow from operations.
TD-PF-J had positive earnings in each of the past 5 years.
TD-PF-J had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
TD-PF-J has a Return On Assets of 0.40%. This is amonst the worse of the industry: TD-PF-J underperforms 83.87% of its industry peers.
The Return On Equity of TD-PF-J (7.22%) is worse than 77.42% 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
Looking at the Profit Margin, with a value of 14.53%, TD-PF-J is doing worse than 83.87% of the companies in the same industry.
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) | 14.53% | ||
| 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-J does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, TD-PF-J has less shares outstanding
TD-PF-J has less shares outstanding than it did 5 years ago.
TD-PF-J has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of TD-PF-J is 4.89, which is a neutral value as it means it would take TD-PF-J, 4.89 years of fcf income to pay off all of its debts.
TD-PF-J has a Debt to FCF ratio of 4.89. This is amongst the best in the industry. TD-PF-J outperforms 87.10% of its industry peers.
TD-PF-J has a Debt/Equity ratio of 2.24. This is a high value indicating a heavy dependency on external financing.
TD-PF-J's Debt to Equity ratio of 2.24 is fine compared to the rest of the industry. TD-PF-J outperforms 61.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.24 | ||
| Debt/FCF | 4.89 | ||
| 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
TD-PF-J shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.25%.
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.
The Revenue has grown by 13.33% in the past year. This is quite good.
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)-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
Based on estimates for the next years, TD-PF-J will show a small growth in Earnings Per Share. The EPS will grow by 6.85% on average per year.
TD-PF-J is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.93% yearly.
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
TD-PF-J is valuated cheaply with a Price/Earnings ratio of 3.26.
The rest of the industry has a similar Price/Earnings ratio as TD-PF-J.
Compared to an average S&P500 Price/Earnings ratio of 29.63, TD-PF-J is valued rather cheaply.
The Price/Forward Earnings ratio is 3.16, which indicates a rather cheap valuation of TD-PF-J.
TD-PF-J's Price/Forward Earnings is on the same level as the industry average.
TD-PF-J's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.68.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.26 | ||
| Fwd PE | 3.16 |
4.2 Price Multiples
83.87% of the companies in the same industry are more expensive than TD-PF-J, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.85 | ||
| 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)1.05
PEG (5Y)1.05
EPS Next 2Y5.82%
EPS Next 3Y6.85%
5. Dividend
5.1 Amount
TD-PF-J has a Yearly Dividend Yield of 4.80%, which is a nice return.
Compared to an average industry Dividend Yield of 4.02, TD-PF-J pays a better dividend. On top of this TD-PF-J pays more dividend than 80.65% of the companies listed in the same industry.
TD-PF-J'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
The dividend of TD-PF-J is nicely growing with an annual growth rate of 7.39%!
TD-PF-J has been paying a dividend for over 5 years, so it has already some track record.
As TD-PF-J did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)7.39%
Div Incr Years2
Div Non Decr Years6
5.3 Sustainability
TD-PF-J pays out 86.10% of its income as dividend. This is not a sustainable payout ratio.
The dividend of TD-PF-J 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 5.747 PERP
TSX:TD-PF-J (2/21/2025, 7:00:00 PM)
25.48
+0.09 (+0.35%)
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 Cap44.60B
Analysts74.78
Price Target26.72 (4.87%)
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 Years2
Div Non Decr Years6
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)-6.52%
PT rev (3m)-2.57%
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 | 3.26 | ||
| Fwd PE | 3.16 | ||
| P/S | 0.78 | ||
| P/FCF | 0.85 | ||
| P/OCF | 0.81 | ||
| P/B | 0.39 | ||
| P/tB | 0.48 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.81
EY30.65%
EPS(NY)8.05
Fwd EY31.6%
FCF(TTM)30.14
FCFY118.29%
OCF(TTM)31.38
OCFY123.17%
SpS32.69
BVpS65.79
TBVpS53.28
PEG (NY)1.05
PEG (5Y)1.05
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
WACC18.01%
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)-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%