Toronto Dominion Bank

Ticker: TD

Business Overview

The Toronto-Dominion Bank provides financial products and services across Canada, the United States, and internationally. Its operations are segmented into Canadian Personal and Commercial Banking, U.S. Retail, Wealth Management and Insurance, and Wholesale Banking. The bank offers services such as personal deposits, financing, credit cards, wealth management, and insurance products. Furthermore, it provides capital markets, corporate, and investment banking services to various clients.

The Toronto-Dominion Bank, together with its subsidiaries, provides various financial products and services in Canada, the United States, and internationally. It operates through four segments: Canadian Personal and Commercial Banking; U.S. Retail; Wealth Management and Insurance; and Wholesale Banking. The company offers personal deposits, such as chequing, savings, and investment products; financing, investment, cash management, international trade, and 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. The Toronto-Dominion Bank was founded in 1855 and is headquartered in Toronto, Canada.

Company Facts

Ticker: TD
Exchange: NYSE
Sector: Financials
Industry group: Banks
Industry: Commercial Banks
SIC classification: Commercial Banks, NEC
State of incorporation: A6

Verdict: Hold · 50/100

Quality — 60/100

ROE: 16.1%, ROA: 1.0%, net margin: 30.3%

Financial Health — 0/100

Current ratio: N/A, D/E: 15.39, interest coverage: N/A

Growth — 96/100

ROA change: 127.9% YoY, asset efficiency change: 16.6% YoY

Value — 33/100

Value score: sector ratios vs median (60%) + intrinsic method signal (40%)

Momentum — 79/100

52-week return: 54.7%, 3-month: 3.2%

Risk Flags

  • High debt-to-equity: 15.39

Confidence: HIGH · Data as of 2025-10-31 · Sourced from SEC EDGAR filings.

Key Questions

Q1: Is Toronto Dominion Bank (TD) a buy?

Verdict: Hold · 50/100. Quality: ROE: 16.1%, ROA: 1.0%, net margin: 30.3%.

Q2: How financially healthy is TD?

Current ratio: N/A, D/E: 15.39, interest coverage: N/A

Q3: What is TD's recent momentum?

52-week return: 54.7%, 3-month: 3.2%

Q4: What is TD's growth like?

ROA change: 127.9% YoY, asset efficiency change: 16.6% YoY

Q5: What is the investment thesis for Toronto Dominion Bank?

Value score: sector ratios vs median (60%) + intrinsic method signal (40%)