(TD) Toronto Dominion Bank - Ratings and Ratios
Exchange: NYSE •
Country: Canada •
Currency: USD •
Type: Common Stock •
ISIN: CA8911605092
Banking, Credit, Loans, Insurance, Investments
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 5.51% |
| Yield on Cost 5y | 6.59% |
| Yield CAGR 5y | 4.66% |
| Payout Consistency | 97.8% |
| Payout Ratio | 38.7% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 17.7% |
| Value at Risk 5%th | 28.3% |
| Relative Tail Risk | -2.69% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 3.29 |
| Alpha | 65.95 |
| CAGR/Max DD | 0.85 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.559 |
| Beta | 0.389 |
| Beta Downside | 0.323 |
| 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) 3.5
| Net Income: 20.54b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.03 > 0.02 and ΔFCF/TA -5.99 > 1.0 |
| NWC/Revenue: -1241 % < 20% (prev -1138 %; Δ -102.4% < -1%) |
| CFO/TA -0.03 > 3% & CFO -69.65b > Net Income 20.54b |
| Net Debt (546.65b) to EBITDA (25.81b): 21.18 < 3 |
| Current Ratio: 0.12 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.72b) vs 12m ago -2.00% < -2% |
| Gross Margin: 49.01% > 18% (prev 0.44%; Δ 4858 % > 0.5%) |
| Asset Turnover: 5.57% > 50% (prev 5.78%; Δ -0.21% > 0%) |
| Interest Coverage Ratio: 0.43 > 6 (EBITDA TTM 25.81b / Interest Expense TTM 54.56b) |
Altman Z'' -4.24
| A: -0.69 (Total Current Assets 204.11b - Total Current Liabilities 1641.44b) / Total Assets 2094.56b |
| B: 0.04 (Retained Earnings 78.32b / Total Assets 2094.56b) |
| C: 0.01 (EBIT TTM 23.64b / Avg Total Assets 2078.15b) |
| D: 0.06 (Book Value of Equity 115.92b / Total Liabilities 1966.73b) |
| Altman-Z'' Score: -4.24= D |
Beneish M -3.02
| DSRI: 1.07 (Receivables 46.23b/44.62b, Revenue 115.84b/119.17b) |
| GMI: 0.89 (GM 49.01% / 43.64%) |
| AQI: 1.04 (AQ_t 0.90 / AQ_t-1 0.86) |
| SGI: 0.97 (Revenue 115.84b / 119.17b) |
| TATA: 0.04 (NI 20.54b - CFO -69.65b) / TA 2094.56b) |
| Beneish M-Score: -3.02 = AA |
ValueRay F-Score (Strict, 0-100) 39.22
| 1. Piotroski: 3.50pt |
| 2. FCF Yield: -9.86% |
| 3. FCF Margin: -61.97% |
| 4. Debt/Equity: 5.19 |
| 5. Debt/Ebitda: 21.18 |
| 6. ROIC - WACC: 1.23% |
| 7. RoE: 16.49% |
| 8. Revenue Trend: 83.64% |
| 9. EPS Trend: -20.63% |
What is the price of TD shares?
As of January 26, 2026, the stock is trading at USD 95.11 with a total of 1,157,456 shares traded.
Over the past week, the price has changed by +2.32%, over one month by +1.31%, over three months by +17.47% and over the past year by +72.35%.
Over the past week, the price has changed by +2.32%, over one month by +1.31%, over three months by +17.47% and over the past year by +72.35%.
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 | 90.4 | -4.9% |
| Analysts Target Price | 90.4 | -4.9% |
| ValueRay Target Price | 115 | 20.9% |
TD Fundamental Data Overview January 24, 2026
Market Cap CAD = 220.35b (159.35b USD * 1.3828 USD.CAD)
P/E Trailing = 11.2929
P/E Forward = 14.43
P/S = 2.5185
P/B = 1.8811
P/EG = 1.0362
Revenue TTM = 115.84b CAD
EBIT TTM = 23.64b CAD
EBITDA TTM = 25.81b CAD
Long Term Debt = 47.27b CAD (from longTermDebt, last quarter)
Short Term Debt = 432.89b CAD (from shortTermDebt, last quarter)
Debt = 663.58b CAD (from shortLongTermDebtTotal, last quarter)
Net Debt = 546.65b CAD (from netDebt column, last quarter)
Enterprise Value = 727.86b CAD (220.35b + Debt 663.58b - CCE 156.06b)
Interest Coverage Ratio = 0.43 (Ebit TTM 23.64b / Interest Expense TTM 54.56b)
EV/FCF = -10.14x (Enterprise Value 727.86b / FCF TTM -71.79b)
FCF Yield = -9.86% (FCF TTM -71.79b / Enterprise Value 727.86b)
FCF Margin = -61.97% (FCF TTM -71.79b / Revenue TTM 115.84b)
Net Margin = 17.73% (Net Income TTM 20.54b / Revenue TTM 115.84b)
Gross Margin = 49.01% ((Revenue TTM 115.84b - Cost of Revenue TTM 59.06b) / Revenue TTM)
Gross Margin QoQ = 51.83% (prev 50.56%)
Tobins Q-Ratio = 0.35 (Enterprise Value 727.86b / Total Assets 2094.56b)
Interest Expense / Debt = 1.94% (Interest Expense 12.88b / Debt 663.58b)
Taxrate = 20.04% (822.0m / 4.10b)
NOPAT = 18.91b (EBIT 23.64b * (1 - 20.04%))
Current Ratio = 0.12 (Total Current Assets 204.11b / Total Current Liabilities 1641.44b)
Debt / Equity = 5.19 (Debt 663.58b / totalStockholderEquity, last quarter 127.83b)
Debt / EBITDA = 21.18 (Net Debt 546.65b / EBITDA 25.81b)
Debt / FCF = -7.61 (negative FCF - burning cash) (Net Debt 546.65b / FCF TTM -71.79b)
Total Stockholder Equity = 124.58b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.99% (Net Income 20.54b / Total Assets 2094.56b)
RoE = 16.49% (Net Income TTM 20.54b / Total Stockholder Equity 124.58b)
RoCE = 13.76% (EBIT 23.64b / Capital Employed (Equity 124.58b + L.T.Debt 47.27b))
RoIC = 4.23% (NOPAT 18.91b / Invested Capital 447.42b)
WACC = 3.00% (E(220.35b)/V(883.93b) * Re(7.35%) + D(663.58b)/V(883.93b) * Rd(1.94%) * (1-Tc(0.20)))
Discount Rate = 7.35% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -2.49%
Fair Price DCF = unknown (Cash Flow -71.79b)
EPS Correlation: -20.63 | EPS CAGR: 1.26% | SUE: 0.69 | # QB: 0
Revenue Correlation: 83.64 | Revenue CAGR: 25.20% | SUE: 2.62 | # QB: 1
EPS next Quarter (2026-04-30): EPS=2.16 | Chg30d=+0.005 | Revisions Net=+7 | Analysts=12
EPS current Year (2026-10-31): EPS=9.07 | Chg30d=+0.014 | Revisions Net=+13 | Growth EPS=+8.4% | Growth Revenue=+4.0%
EPS next Year (2027-10-31): EPS=10.11 | Chg30d=+0.013 | Revisions Net=+9 | Growth EPS=+11.4% | Growth Revenue=+4.2%
P/E Trailing = 11.2929
P/E Forward = 14.43
P/S = 2.5185
P/B = 1.8811
P/EG = 1.0362
Revenue TTM = 115.84b CAD
EBIT TTM = 23.64b CAD
EBITDA TTM = 25.81b CAD
Long Term Debt = 47.27b CAD (from longTermDebt, last quarter)
Short Term Debt = 432.89b CAD (from shortTermDebt, last quarter)
Debt = 663.58b CAD (from shortLongTermDebtTotal, last quarter)
Net Debt = 546.65b CAD (from netDebt column, last quarter)
Enterprise Value = 727.86b CAD (220.35b + Debt 663.58b - CCE 156.06b)
Interest Coverage Ratio = 0.43 (Ebit TTM 23.64b / Interest Expense TTM 54.56b)
EV/FCF = -10.14x (Enterprise Value 727.86b / FCF TTM -71.79b)
FCF Yield = -9.86% (FCF TTM -71.79b / Enterprise Value 727.86b)
FCF Margin = -61.97% (FCF TTM -71.79b / Revenue TTM 115.84b)
Net Margin = 17.73% (Net Income TTM 20.54b / Revenue TTM 115.84b)
Gross Margin = 49.01% ((Revenue TTM 115.84b - Cost of Revenue TTM 59.06b) / Revenue TTM)
Gross Margin QoQ = 51.83% (prev 50.56%)
Tobins Q-Ratio = 0.35 (Enterprise Value 727.86b / Total Assets 2094.56b)
Interest Expense / Debt = 1.94% (Interest Expense 12.88b / Debt 663.58b)
Taxrate = 20.04% (822.0m / 4.10b)
NOPAT = 18.91b (EBIT 23.64b * (1 - 20.04%))
Current Ratio = 0.12 (Total Current Assets 204.11b / Total Current Liabilities 1641.44b)
Debt / Equity = 5.19 (Debt 663.58b / totalStockholderEquity, last quarter 127.83b)
Debt / EBITDA = 21.18 (Net Debt 546.65b / EBITDA 25.81b)
Debt / FCF = -7.61 (negative FCF - burning cash) (Net Debt 546.65b / FCF TTM -71.79b)
Total Stockholder Equity = 124.58b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.99% (Net Income 20.54b / Total Assets 2094.56b)
RoE = 16.49% (Net Income TTM 20.54b / Total Stockholder Equity 124.58b)
RoCE = 13.76% (EBIT 23.64b / Capital Employed (Equity 124.58b + L.T.Debt 47.27b))
RoIC = 4.23% (NOPAT 18.91b / Invested Capital 447.42b)
WACC = 3.00% (E(220.35b)/V(883.93b) * Re(7.35%) + D(663.58b)/V(883.93b) * Rd(1.94%) * (1-Tc(0.20)))
Discount Rate = 7.35% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -2.49%
Fair Price DCF = unknown (Cash Flow -71.79b)
EPS Correlation: -20.63 | EPS CAGR: 1.26% | SUE: 0.69 | # QB: 0
Revenue Correlation: 83.64 | Revenue CAGR: 25.20% | SUE: 2.62 | # QB: 1
EPS next Quarter (2026-04-30): EPS=2.16 | Chg30d=+0.005 | Revisions Net=+7 | Analysts=12
EPS current Year (2026-10-31): EPS=9.07 | Chg30d=+0.014 | Revisions Net=+13 | Growth EPS=+8.4% | Growth Revenue=+4.0%
EPS next Year (2027-10-31): EPS=10.11 | Chg30d=+0.013 | Revisions Net=+9 | Growth EPS=+11.4% | Growth Revenue=+4.2%
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