(TD) Toronto Dominion Bank - Ratings and Ratios
Banking, Investments, Credit Cards, Insurance, Loans, Wealth Management
TD EPS (Earnings per Share)
TD Revenue
Description: TD Toronto Dominion Bank
The Toronto-Dominion Bank is a diversified financial institution with a presence in Canada, the United States, and internationally, operating through four business segments: Canadian Personal and Commercial Banking, U.S. Retail, Wealth Management and Insurance, and Wholesale Banking. Its diverse product and service offerings cater to both individual and institutional clients, including personal deposits, financing options, credit cards, wealth management products, and insurance services.
From a business perspective, TD Banks strength lies in its diversified revenue streams across different geographies and business lines. Its Canadian Personal and Commercial Banking segment provides a stable source of revenue, while its U.S. Retail business offers growth opportunities. The Wealth Management and Insurance segment contributes to the banks revenue diversification, while Wholesale Banking provides a range of capital markets and corporate banking services to large clients.
Key Performance Indicators (KPIs) that can be used to evaluate TD Banks performance include its efficiency ratio, which measures the banks operating expenses as a percentage of its revenue. A lower efficiency ratio indicates better cost management. Additionally, the banks loan-to-deposit ratio, which measures its lending activity relative to its deposit base, is another important metric. TD Banks return on equity (RoE) of 14.73% is a respectable metric, indicating the banks ability to generate profits from its shareholders equity. Furthermore, its dividend yield and payout ratio are also relevant metrics, as they indicate the banks ability to return capital to its shareholders.
TD Banks competitive position in the diversified banks sub-industry can be evaluated by analyzing its market share, revenue growth, and profitability relative to its peers. Its market capitalization of $129.22 billion USD is a significant indicator of its size and scale. Overall, TD Banks diversified business model, strong brand presence, and robust financial performance make it a notable player in the global banking industry.
TD Stock Overview
| Market Cap in USD | 131,150m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 1996-08-30 |
TD Stock Ratings
| Growth Rating | 55.4% |
| Fundamental | 58.2% |
| Dividend Rating | 73.0% |
| Return 12m vs S&P 500 | 9.39% |
| Analyst Rating | 3.94 of 5 |
TD Dividends
| Dividend Yield 12m | 4.44% |
| Yield on Cost 5y | 7.51% |
| Annual Growth 5y | 5.38% |
| Payout Consistency | 97.7% |
| Payout Ratio | 38.6% |
TD Growth Ratios
| Growth Correlation 3m | 71.2% |
| Growth Correlation 12m | 74.7% |
| Growth Correlation 5y | 22.4% |
| CAGR 5y | 12.88% |
| CAGR/Max DD 5y | 0.41 |
| Sharpe Ratio 12m | 1.62 |
| Alpha | 17.87 |
| Beta | 0.477 |
| Volatility | 17.28% |
| Current Volume | 6170.3k |
| Average Volume 20d | 1523.6k |
| Stop Loss | 70.6 (-3.1%) |
| Signal | -5.94 |
Piotroski VR‑10 (Strict, 0-10) 2.5
| Net Income (17.38b TTM) > 0 and > 6% of Revenue (6% = 7.16b TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA 4.82pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1075 % (prev -1175 %; Δ 99.45pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 31.23b > Net Income 17.38b (YES >=105%, WARN >=100%) |
| Net Debt (481.96b) to EBITDA (21.82b) ratio: 22.09 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.20 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (1.74b) change vs 12m ago -1.27% (target <= -2.0% for YES) |
| Gross Margin 45.29% (prev 44.06%; Δ 1.23pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 5.92% (prev 5.74%; Δ 0.18pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.33 (EBITDA TTM 21.82b / Interest Expense TTM 60.52b) >= 6 (WARN >= 3) |
Altman Z'' -3.82
| (A) -0.62 = (Total Current Assets 319.64b - Total Current Liabilities 1602.51b) / Total Assets 2064.27b |
| (B) 0.04 = Retained Earnings (Balance) 78.64b / Total Assets 2064.27b |
| (C) 0.01 = EBIT TTM 19.71b / Avg Total Assets 2015.47b |
| (D) 0.06 = Book Value of Equity 114.81b / Total Liabilities 1938.18b |
| Total Rating: -3.82 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 58.23
| 1. Piotroski 2.50pt = -2.50 |
| 2. FCF Yield 5.36% = 2.68 |
| 3. FCF Margin 24.32% = 6.08 |
| 4. Debt/Equity 4.94 = -2.50 |
| 5. Debt/Ebitda 28.54 = -2.50 |
| 6. ROIC - WACC 0.31% = 0.38 |
| 7. RoE 14.73% = 1.23 |
| 8. Rev. Trend 83.81% = 4.19 |
| 9. Rev. CAGR 25.50% = 2.50 |
| 10. EPS Trend -53.41% = -1.34 |
| 11. EPS CAGR 0.0% = 0.0 |
What is the price of TD shares?
Over the past week, the price has changed by -1.07%, over one month by -1.70%, over three months by +8.08% and over the past year by +28.73%.
Is Toronto Dominion Bank a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of TD is around 79.65 USD . This means that TD is currently overvalued and has a potential downside of 9.33%.
Is TD a buy, sell or hold?
- 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 | 75.4 | 3.5% |
| Analysts Target Price | 75.4 | 3.5% |
| ValueRay Target Price | 84.4 | 15.9% |
Last update: 2025-08-29 02:51
TD Fundamental Data Overview
CCE Cash And Equivalents = 262.50b CAD (Cash And Short Term Investments, last quarter)
P/E Trailing = 10.924
P/E Forward = 12.0048
P/S = 2.108
P/B = 1.5592
P/EG = 1.0245
Beta = 1.024
Revenue TTM = 119.28b CAD
EBIT TTM = 19.71b CAD
EBITDA TTM = 21.82b CAD
Long Term Debt = 214.72b CAD (from longTermDebt, last quarter)
Short Term Debt = 407.99b CAD (from shortTermDebt, last quarter)
Debt = 622.70b CAD (Calculated: Short Term 407.99b + Long Term 214.72b)
Net Debt = 481.96b CAD (from netDebt column, last quarter)
Enterprise Value = 540.94b CAD (180.74b + Debt 622.70b - CCE 262.50b)
Interest Coverage Ratio = 0.33 (Ebit TTM 19.71b / Interest Expense TTM 60.52b)
FCF Yield = 5.36% (FCF TTM 29.01b / Enterprise Value 540.94b)
FCF Margin = 24.32% (FCF TTM 29.01b / Revenue TTM 119.28b)
Net Margin = 14.57% (Net Income TTM 17.38b / Revenue TTM 119.28b)
Gross Margin = 45.29% ((Revenue TTM 119.28b - Cost of Revenue TTM 65.26b) / Revenue TTM)
Tobins Q-Ratio = 4.71 (Enterprise Value 540.94b / Book Value Of Equity 114.81b)
Interest Expense / Debt = 2.16% (Interest Expense 13.46b / Debt 622.70b)
Taxrate = 24.85% (from yearly Income Tax Expense: 2.69b / 10.83b)
NOPAT = 14.82b (EBIT 19.71b * (1 - 24.85%))
Current Ratio = 0.20 (Total Current Assets 319.64b / Total Current Liabilities 1602.51b)
Debt / Equity = 4.94 (Debt 622.70b / last Quarter total Stockholder Equity 126.09b)
Debt / EBITDA = 28.54 (Net Debt 481.96b / EBITDA 21.82b)
Debt / FCF = 21.46 (Debt 622.70b / FCF TTM 29.01b)
Total Stockholder Equity = 117.96b (last 4 quarters mean)
RoA = 0.84% (Net Income 17.38b, Total Assets 2064.27b )
RoE = 14.73% (Net Income TTM 17.38b / Total Stockholder Equity 117.96b)
RoCE = 5.93% (Ebit 19.71b / (Equity 117.96b + L.T.Debt 214.72b))
RoIC = 3.31% (NOPAT 14.82b / Invested Capital 447.37b)
WACC = 3.01% (E(180.74b)/V(803.44b) * Re(7.77%)) + (D(622.70b)/V(803.44b) * Rd(2.16%) * (1-Tc(0.25)))
Shares Correlation 5-Years: -100.0 | Cagr: -1.14%
Discount Rate = 7.77% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 70.46% ; FCFE base≈29.01b ; Y1≈19.05b ; Y5≈8.71b
Fair Price DCF = 99.40 (DCF Value 171.22b / Shares Outstanding 1.72b; 5y FCF grow -40.0% → 3.0% )
Revenue Correlation: 83.81 | Revenue CAGR: 25.50%
Rev Growth-of-Growth: -29.44
EPS Correlation: -53.41 | EPS CAGR: 0.0%
EPS Growth-of-Growth: -60.10
Additional Sources for TD Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle