-0.20%
8.30%
7.68%
1.66%
1.49%
-18.59%
13.32%
AI Spotlight on TD
Company Description
The Toronto-Dominion Bank, together with its subsidiaries, provides various financial products and services in Canada, the United States, and internationally.It operates through three segments: Canadian Retail, U.S. Retail, and Wholesale Banking.The company offers personal deposits, such as chequing, savings, and investment products; financing, investment, cash management, international trade, and day-to-day banking services to businesses; and financing options to customers at point of sale for automotive and recreational vehicle purchases.
It also provides credit cards and payments; real estate secured lending, auto finance, and consumer lending services; point-of-sale payment solutions for large and small businesses; wealth and asset management products, and advice to retail and institutional clients through direct investing, advice-based, and asset management businesses; and property and casualty insurance, as well as life and health insurance products.The company also provides capital markets, and corporate and investment banking products and services, including underwriting and distribution of new debt and equity issues; advice on strategic acquisitions and divestitures; and trading, funding, and investment services to corporations, governments, and institutions.It offers its products and services under the TD Bank and America's Most Convenient Bank brand names.
The company operates through a network of 1,061 branches and 3,381 automated teller machines (ATMs) in Canada, and 1,148 stores and 2,701 ATMs in the United States, as well as offers telephone, digital, and mobile banking services.It has a strategic alliance with Canada Post Corporation.The Toronto-Dominion Bank was founded in 1855 and is headquartered in Toronto, Canada.
Market Data
| Last Price | 82.89 |
| Change Percentage | -0.20% |
| Open | 82.86 |
| Previous Close | 83.05 |
| Market Cap ( Millions) | 145071 |
| Volume | 1742745 |
| Year High | 87.99 |
| Year Low | 73.22 |
| M A 50 | 78.14 |
| M A 200 | 78.92 |
Financial Ratios
| FCF Yield | 55.73% |
| Dividend Yield | 4.96% |
| ROE | 7.84% |
| Debt / Equity | 400.02% |
| Net Debt / EBIDTA | 1245.49% |
| Price To Book | 1.26 |
| Price Earnings Ratio | 16.38 |
| Price To FCF | 1.79 |
| Price To sales | 2.59 |
| EV / EBITDA | 18.85 |
News
- 19:02 - Top Dividend Stocks Yielding As High As 5%: Fidelity
- 13:37 - TD Bank Group Appoints Vladimir Shpilsky to Lead Platforms and Technology Division
- 13:15 - TD Bank Group Appoints New Leadership of Platforms and Technology
- Jan -29 - TD Canada Trust announces change to TD Prime Rate
- Jan -28 - TD Bank Group to Issue NVCC Subordinated Debentures
- Jan -23 - TD Bank Appoints Jacqueline Sanjuas As Global Head of Financial Crime Risk Management
- Jan -23 - TD Bank Group Announces New Global Head of Financial Crime Risk Management
- Jan -23 - TD Bank global anti-money laundering officer stepping down
- Jan -22 - TD Asset Management Inc. Announces TD ETF Distributions
- Jan -22 - TD Bank Group Comments on Expected Impact of the Charles Schwab Corporation's Fourth Quarter Earnings
- Jan -21 - TD Bank looking to sell $9 billion of mortgages to meet asset cap, Bloomberg News reports
- Jan -20 - Shareholders 3.6% loss in Toronto-Dominion Bank (TSE:TD) partly attributable to the company's decline in earnings over past three years
- Jan -17 - TSX up 231 Points at Midday, With Miners, Utilities, The Biggest Gainers
- Jan -17 - TD Bank Accelerates CEO Transition and Makes Board Changes as Part of Anti-Money Laundering Remediation Effort
- Jan -17 - TD Bank Group Accelerates CEO Transition; Announces Board and Committee Renewal
- Jan -15 - TD wins 2025 BIG Innovation Awards for fourth consecutive year
- Jan -15 - Half of Canadians foresee inflation and the cost of living as biggest financial challenge in 2025, new TD survey
- Jan -14 - TD Bank Group to Issue EUR NVCC Subordinated Debentures
- Jan -14 - TD Asset Management Inc. Announces Final Annual Reinvested Distributions for TD ETFs
- Jan -14 - TD Asset Management Inc. broadens its ETF lineup with two new U.S. dollar offerings and expanded suite of target maturity bond ETFs
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Canadian Personal and Commercial Banking
Expected Growth : 7 %
What the company do ?
The Canadian Personal and Commercial Banking segment of The Toronto-Dominion Bank provides a range of financial products and services to personal and business customers in Canada.
Why we expect these perspectives ?
The 7% growth in Canadian Personal and Commercial Banking at The Toronto-Dominion Bank is driven by strong loan growth, increased deposit volumes, and higher fee-based revenue. Additionally, strategic investments in digital transformation, expansion of branch networks, and targeted marketing initiatives have contributed to the segment's growth.
Segment n°2 -> United States Retail
Expected Growth : 6 %
What the company do ?
The United States Retail segment of The Toronto-Dominion Bank provides a range of financial products and services to individuals, businesses, and institutions in the US.
Why we expect these perspectives ?
The 6% growth in United States Retail from The Toronto-Dominion Bank is driven by increasing consumer spending, low unemployment rates, and rising wages. Additionally, the ongoing shift towards online shopping, investments in digital transformation, and strategic partnerships are contributing to the segment's growth.
Segment n°3 -> Wealth and Insurance
Expected Growth : 5 %
What the company do ?
Wealth and Insurance from The Toronto-Dominion Bank offers a range of investment and insurance products to help Canadians achieve their financial goals and protect their assets.
Why we expect these perspectives ?
Wealth and Insurance segment of The Toronto-Dominion Bank is driven by a 5% growth rate, fueled by increasing demand for investment products, expansion of wealth management services, and strategic acquisitions. Additionally, growth in insurance premiums, favorable interest rates, and a strong brand reputation contribute to this segment's growth.
Segment n°4 -> Wholesale Banking
Expected Growth : 9 %
What the company do ?
Wholesale Banking from The Toronto-Dominion Bank provides cash management, trade finance, and lending solutions to large corporations and institutions.
Why we expect these perspectives ?
The 9% growth in Wholesale Banking at The Toronto-Dominion Bank is driven by increased corporate lending, rising demand for trade finance and cash management services, and strategic expansion into the US market. Additionally, the bank's investments in digital platforms and risk management capabilities have enhanced its competitiveness, attracting new clients and increasing wallet share.
Segment n°5 -> Corporate
Expected Growth : 8 %
What the company do ?
The Corporate segment from The Toronto-Dominion Bank provides a range of financial products and services to corporate clients, including cash management, trade finance, and treasury management solutions.
Why we expect these perspectives ?
Toronto-Dominion Bank's 8% corporate growth is driven by strategic acquisitions, expansion into the US market, and a strong brand presence. The bank's diversified revenue streams, including retail and commercial banking, wealth management, and wholesale banking, contribute to its growth. Additionally, investments in digital transformation and cost savings initiatives have improved operational efficiency, further supporting growth.
The Toronto-Dominion Bank Products
| Product Range | What is it ? |
|---|---|
| Personal Banking | Personal banking services for individuals, including chequing and savings accounts, credit cards, loans, and investment products. |
| Business Banking | Business banking services for small businesses and commercial clients, including cash management, credit, and investment solutions. |
| Wealth Management | Wealth management services, including investment advice, portfolio management, and estate planning. |
| Wholesale Banking | Wholesale banking services for corporate and institutional clients, including cash management, trade finance, and risk management solutions. |
| Credit Cards | A range of credit cards with rewards, cashback, and travel benefits. |
| Mortgages | Mortgage solutions for homebuyers, including fixed and variable rate mortgages, and home equity loans. |
| Investments | Investment products, including mutual funds, exchange-traded funds, and retirement savings plans. |
| Insurance | Insurance products, including life insurance, disability insurance, and home and auto insurance. |
The Toronto-Dominion Bank's Porter Forces
Threat Of Substitutes
The threat of substitutes for The Toronto-Dominion Bank is medium due to the presence of alternative financial institutions and digital payment systems.
Bargaining Power Of Customers
The bargaining power of customers is low due to the lack of negotiating power and the high switching costs associated with changing banks.
Bargaining Power Of Suppliers
The bargaining power of suppliers is low due to the bank's large size and negotiating power in the market.
Threat Of New Entrants
The threat of new entrants is low due to the high barriers to entry in the banking industry, including regulatory hurdles and capital requirements.
Intensity Of Rivalry
The intensity of rivalry is high due to the competitive nature of the banking industry, with many established players competing for market share.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 78.59% |
| Debt Cost | 8.04% |
| Equity Weight | 21.41% |
| Equity Cost | 8.04% |
| WACC | 8.04% |
| Leverage | 367.00% |
The Toronto-Dominion Bank : Quality Control
The Toronto-Dominion Bank passed 2 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| JPM | JPMorgan Chase & Co. operates as a financial services company worldwide. It operates through four segments: Consumer & Community Banking (CCB), Corporate & Investment Bank (CIB), Commercial Banking (CB), and … |
| NA.TO | National Bank of Canada provides various financial products and services to retail, commercial, corporate, and institutional clients in Canada and internationally. It operates through four segments: Personal and Commercial, Wealth … |
| BMO.TO | Bank of Montreal provides diversified financial services primarily in North America. The company's personal banking products and services include checking and savings accounts, credit cards, mortgages, and financial and investment … |
| C | Citigroup Inc., a diversified financial services holding company, provides various financial products and services to consumers, corporations, governments, and institutions in North America, Latin America, Asia, Europe, the Middle East, … |
| BAC | Bank of America Corporation, through its subsidiaries, provides banking and financial products and services for individual consumers, small and middle-market businesses, institutional investors, large corporations, and governments worldwide. Its Consumer … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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JPMorgan Chase
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1-Year Total Return ->
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TD Bank
A-Score
1-Year Total Return ->
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NatBank
A-Score
1-Year Total Return ->
4
Citigroup
A-Score
1-Year Total Return ->
5
BMO
A-Score
1-Year Total Return ->
6
