Toronto Dominion Bank TD
Toronto Dominion Bank is a diversified Canadian bank offering retail, commercial, and investment banking in Canada and the United States, with a business model focused on deposit-taking and lending. Toronto Dominion Bank shows solid fundamentals with an ROE of 12.83%, operating margins of 38.02%, and earnings growth of 45%, although its valuation (P/E 18.28) is not particularly attractive and the regulatory risk from AML in the U.S. remains a drag.
Detailed metrics
Market and fundamental data as of the analysis date.
Full AI report
Generated automatically from the metrics, the macro context and the company's news.
Toronto Dominion Bank is a diversified Canadian bank offering retail, commercial, and investment banking in Canada and the United States, with a business model focused on deposit-taking and lending. Toronto Dominion Bank shows solid fundamentals with an ROE of 12.83%, operating margins of 38.02%, and earnings growth of 45%, although its valuation (P/E 18.28) is not particularly attractive and the regulatory risk from AML in the U.S. remains a drag.
Score by category
| Category | Score |
|---|---|
| Financial health | 4.7 |
| Quality / Moat | 8.8 |
| Valuation | 3.6 |
| Growth | 8.0 |
| Dividend | 7.2 |
| Momentum | 8.4 |
| Risk & Context | 6.7 |
OVERALL SCORE: 6.4/10
Context and risks
TD remains under a consent agreement with U.S. regulators for AML deficiencies, with a cap on U.S. asset growth that limits its expansion. Ongoing remediation creates regulatory and additional cost risk.
News considered in the analysis
- Morgan Stanley public finance co-head Zach Solomon leaves for TD - Bloomberg — Contratación de un banquero senior para reforzar el negocio de finanzas públicas en EE.UU., señal de inversión en crecimiento, aunque impacto limitado en el corto plazo.
- TD Bank (TSX:TD) Stock May Be 19% Undervalued After Record Earnings — Análisis de valoración de un tercero sin información nueva; el mercado ya conoce los resultados récord.
- Weekly Wrap: The Crypto Rally Continues — Listículo general sobre criptomonedas sin impacto directo en TD.
- Canada's Banks To Accept Tokenized Deposits — Iniciativa sectorial para adoptar depósitos tokenizados; podría modernizar la infraestructura bancaria, pero está en fase temprana y el impacto en beneficios es incierto.
- TD Bank Targets 100 U.S. Branches as AML Remediation Continues — Expansión de sucursales en EE.UU. mientras continúa la remediación de AML; refleja compromiso con el cumplimiento y crecimiento orgánico, aunque los costes de remediación persisten.
Verdict: Hold; business quality is high, but regulatory risk and average valuation limit short-term upside potential.
Main risk: The main risk is the continuation of AML remediation in the U.S., which maintains growth restrictions and could lead to additional fines or costs.
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