(TD) Toronto Dominion Bank - Ratings and Ratios
Exchange: NYSE •
Country: Canada •
Currency: USD •
Type: Common Stock •
ISIN: CA8911605092
Banking, Credit, Loans, Insurance, Investments
Dividends
| Dividend Yield | 3.30% |
| Yield on Cost 5y | 6.68% |
| Yield CAGR 5y | 6.77% |
| Payout Consistency | 95.2% |
| Payout Ratio | 38.1% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 18.3% |
| Value at Risk 5%th | 29.6% |
| Relative Tail Risk | -1.95% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 3.48 |
| Alpha | 75.82 |
| CAGR/Max DD | 0.90 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.524 |
| Beta | 0.389 |
| Beta Downside | 0.321 |
| Drawdowns 3y | |
|---|---|
| Max DD | 19.90% |
| Mean DD | 8.22% |
| Median DD | 9.53% |
Description: TD Toronto Dominion Bank December 02, 2025
The Toronto-Dominion Bank (TD) operates through four core segments-Canadian Personal & Commercial Banking, U.S. Retail, Wealth Management & Insurance, and Wholesale Banking-offering a full suite of deposit, loan, credit-card, payment, wealth-management, and insurance products to retail, business, and institutional clients across North America and beyond.
Key recent metrics: TD reported a Q4 2024 net income of $5.2 billion, with a Common Equity Tier 1 (CET1) capital ratio of 13.5 %-well above the regulatory minimum. Loan growth is being driven primarily by its U.S. retail franchise, where mortgage and consumer loan balances rose 6 % YoY, reflecting a resilient housing market and higher consumer spending. Meanwhile, the bank’s digital-banking adoption rate now exceeds 70 % of active customers, supporting lower cost-to-serve ratios and higher fee income.
For a deeper, data-rich look at how these trends translate into valuation upside, you might explore the TD profile on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (20.54b TTM) > 0 and > 6% of Revenue (6% = 5.22b TTM) |
| FCFTA -0.03 (>2.0%) and ΔFCFTA -5.51pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1517 % (prev -1138 %; Δ -379.1pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.06 (>3.0%) and CFO -129.88b <= Net Income 20.54b (YES >=105%, WARN >=100%) |
| Net Debt (629.12b) to EBITDA (21.14b) ratio: 29.77 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.18 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (1.69b) change vs 12m ago -3.67% (target <= -2.0% for YES) |
| Gross Margin 48.08% (prev 43.64%; Δ 4.44pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 4.19% (prev 5.78%; Δ -1.59pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.47 (EBITDA TTM 21.14b / Interest Expense TTM 41.68b) >= 6 (WARN >= 3) |
Altman Z'' -3.90
| (A) -0.63 = (Total Current Assets 289.64b - Total Current Liabilities 1610.88b) / Total Assets 2094.56b |
| (B) 0.04 = Retained Earnings (Balance) 78.32b / Total Assets 2094.56b |
| (C) 0.01 = EBIT TTM 19.54b / Avg Total Assets 2078.15b |
| (D) 0.05 = Book Value of Equity 103.05b / Total Liabilities 1966.73b |
| Total Rating: -3.90 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 40.57
| 1. Piotroski 4.0pt |
| 2. FCF Yield -7.91% |
| 3. FCF Margin -70.91% |
| 4. Debt/Equity 4.92 |
| 5. Debt/Ebitda 29.77 |
| 6. ROIC - WACC (= 0.99)% |
| 7. RoE 16.49% |
| 8. Rev. Trend 85.86% |
| 9. EPS Trend -20.63% |
What is the price of TD shares?
As of December 11, 2025, the stock is trading at USD 91.26 with a total of 2,428,851 shares traded.
Over the past week, the price has changed by +8.17%, over one month by +12.47%, over three months by +21.46% and over the past year by +80.05%.
Over the past week, the price has changed by +8.17%, over one month by +12.47%, over three months by +21.46% and over the past year by +80.05%.
Is TD a buy, sell or hold?
Toronto Dominion Bank has received a consensus analysts rating of 3.94.
Therefore, it is recommended to buy TD.
- Strong Buy: 7
- Buy: 2
- Hold: 6
- Sell: 1
- Strong Sell: 0
What are the forecasts/targets for the TD price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 86.2 | -5.5% |
| Analysts Target Price | 86.2 | -5.5% |
| ValueRay Target Price | 111.7 | 22.4% |
TD Fundamental Data Overview December 06, 2025
Market Cap USD = 151.20b (151.20b USD * 1.0 USD.USD)
P/E Trailing = 10.552
P/E Forward = 13.245
P/S = 2.3898
P/B = 1.7559
P/EG = 1.0362
Beta = 0.896
Revenue TTM = 87.07b USD
EBIT TTM = 19.54b USD
EBITDA TTM = 21.14b USD
Long Term Debt = 47.27b USD (from longTermDebt, last quarter)
Short Term Debt = 416.13b USD (from shortTermDebt, two quarters ago)
Debt = 629.12b USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = 629.12b USD (using Total Debt 629.12b, CCE unavailable)
Enterprise Value = 780.32b USD (151.20b + Debt 629.12b - (null CCE))
Interest Coverage Ratio = 0.47 (Ebit TTM 19.54b / Interest Expense TTM 41.68b)
FCF Yield = -7.91% (FCF TTM -61.74b / Enterprise Value 780.32b)
FCF Margin = -70.91% (FCF TTM -61.74b / Revenue TTM 87.07b)
Net Margin = 23.59% (Net Income TTM 20.54b / Revenue TTM 87.07b)
Gross Margin = 48.08% ((Revenue TTM 87.07b - Cost of Revenue TTM 45.20b) / Revenue TTM)
Gross Margin QoQ = none% (prev 50.56%)
Tobins Q-Ratio = 0.37 (Enterprise Value 780.32b / Total Assets 2094.56b)
Interest Expense / Debt = 2.10% (Interest Expense 13.22b / Debt 629.12b)
Taxrate = 20.04% (822.0m / 4.10b)
NOPAT = 15.63b (EBIT 19.54b * (1 - 20.04%))
Current Ratio = 0.18 (Total Current Assets 289.64b / Total Current Liabilities 1610.88b)
Debt / Equity = 4.92 (Debt 629.12b / totalStockholderEquity, last quarter 127.83b)
Debt / EBITDA = 29.77 (Net Debt 629.12b / EBITDA 21.14b)
Debt / FCF = -10.19 (negative FCF - burning cash) (Net Debt 629.12b / FCF TTM -61.74b)
Total Stockholder Equity = 124.58b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.98% (Net Income 20.54b / Total Assets 2094.56b)
RoE = 16.49% (Net Income TTM 20.54b / Total Stockholder Equity 124.58b)
RoCE = 11.37% (EBIT 19.54b / Capital Employed (Equity 124.58b + L.T.Debt 47.27b))
RoIC = 3.79% (NOPAT 15.63b / Invested Capital 412.13b)
WACC = 2.80% (E(151.20b)/V(780.32b) * Re(7.45%) + D(629.12b)/V(780.32b) * Rd(2.10%) * (1-Tc(0.20)))
Discount Rate = 7.45% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -2.49%
Fair Price DCF = unknown (Cash Flow -61.74b)
EPS Correlation: -20.63 | EPS CAGR: 1.26% | SUE: 0.69 | # QB: 0
Revenue Correlation: 85.86 | Revenue CAGR: 27.13% | SUE: 0.65 | # QB: 0
EPS next Quarter (2026-01-31): EPS=2.23 | Chg30d=+0.017 | Revisions Net=+0 | Analysts=11
EPS current Year (2026-10-31): EPS=9.05 | Chg30d=+0.196 | Revisions Net=+8 | Growth EPS=+8.2% | Growth Revenue=+3.5%
EPS next Year (2027-10-31): EPS=10.08 | Chg30d=+0.246 | Revisions Net=+6 | Growth EPS=+11.3% | Growth Revenue=+3.8%
P/E Trailing = 10.552
P/E Forward = 13.245
P/S = 2.3898
P/B = 1.7559
P/EG = 1.0362
Beta = 0.896
Revenue TTM = 87.07b USD
EBIT TTM = 19.54b USD
EBITDA TTM = 21.14b USD
Long Term Debt = 47.27b USD (from longTermDebt, last quarter)
Short Term Debt = 416.13b USD (from shortTermDebt, two quarters ago)
Debt = 629.12b USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = 629.12b USD (using Total Debt 629.12b, CCE unavailable)
Enterprise Value = 780.32b USD (151.20b + Debt 629.12b - (null CCE))
Interest Coverage Ratio = 0.47 (Ebit TTM 19.54b / Interest Expense TTM 41.68b)
FCF Yield = -7.91% (FCF TTM -61.74b / Enterprise Value 780.32b)
FCF Margin = -70.91% (FCF TTM -61.74b / Revenue TTM 87.07b)
Net Margin = 23.59% (Net Income TTM 20.54b / Revenue TTM 87.07b)
Gross Margin = 48.08% ((Revenue TTM 87.07b - Cost of Revenue TTM 45.20b) / Revenue TTM)
Gross Margin QoQ = none% (prev 50.56%)
Tobins Q-Ratio = 0.37 (Enterprise Value 780.32b / Total Assets 2094.56b)
Interest Expense / Debt = 2.10% (Interest Expense 13.22b / Debt 629.12b)
Taxrate = 20.04% (822.0m / 4.10b)
NOPAT = 15.63b (EBIT 19.54b * (1 - 20.04%))
Current Ratio = 0.18 (Total Current Assets 289.64b / Total Current Liabilities 1610.88b)
Debt / Equity = 4.92 (Debt 629.12b / totalStockholderEquity, last quarter 127.83b)
Debt / EBITDA = 29.77 (Net Debt 629.12b / EBITDA 21.14b)
Debt / FCF = -10.19 (negative FCF - burning cash) (Net Debt 629.12b / FCF TTM -61.74b)
Total Stockholder Equity = 124.58b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.98% (Net Income 20.54b / Total Assets 2094.56b)
RoE = 16.49% (Net Income TTM 20.54b / Total Stockholder Equity 124.58b)
RoCE = 11.37% (EBIT 19.54b / Capital Employed (Equity 124.58b + L.T.Debt 47.27b))
RoIC = 3.79% (NOPAT 15.63b / Invested Capital 412.13b)
WACC = 2.80% (E(151.20b)/V(780.32b) * Re(7.45%) + D(629.12b)/V(780.32b) * Rd(2.10%) * (1-Tc(0.20)))
Discount Rate = 7.45% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -2.49%
Fair Price DCF = unknown (Cash Flow -61.74b)
EPS Correlation: -20.63 | EPS CAGR: 1.26% | SUE: 0.69 | # QB: 0
Revenue Correlation: 85.86 | Revenue CAGR: 27.13% | SUE: 0.65 | # QB: 0
EPS next Quarter (2026-01-31): EPS=2.23 | Chg30d=+0.017 | Revisions Net=+0 | Analysts=11
EPS current Year (2026-10-31): EPS=9.05 | Chg30d=+0.196 | Revisions Net=+8 | Growth EPS=+8.2% | Growth Revenue=+3.5%
EPS next Year (2027-10-31): EPS=10.08 | Chg30d=+0.246 | Revisions Net=+6 | Growth EPS=+11.3% | Growth Revenue=+3.8%
Additional Sources for TD Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle