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Upturn AI SWOT - About
TD 
Toronto Dominion Bank (TD)
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Upturn Advisory Summary
06/30/2025: TD (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
16 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Year Target Price $71.2
Year Target Price $71.2
| 7 | Strong Buy |
| 2 | Buy |
| 6 | Hold |
| 0 | Under performing |
| 1 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 11.11% | Avg. Invested days 40 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 126.52B USD | Price to earnings Ratio 10.33 | 1Y Target Price 71.2 |
Price to earnings Ratio 10.33 | 1Y Target Price 71.2 | ||
Volume (30-day avg) 16 | Beta 0.99 | 52 Weeks Range 49.89 - 73.52 | Updated Date 06/30/2025 |
52 Weeks Range 49.89 - 73.52 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 4.16% | Basic EPS (TTM) 7.11 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 27.93% | Operating Margin (TTM) 57.4% |
Management Effectiveness
Return on Assets (TTM) 0.86% | Return on Equity (TTM) 14.6% |
Valuation
Trailing PE 10.33 | Forward PE 12.38 | Enterprise Value -16566990848 | Price to Sales(TTM) 2.03 |
Enterprise Value -16566990848 | Price to Sales(TTM) 2.03 | ||
Enterprise Value to Revenue 6.91 | Enterprise Value to EBITDA - | Shares Outstanding 1722480000 | Shares Floating 1683618896 |
Shares Outstanding 1722480000 | Shares Floating 1683618896 | ||
Percent Insiders 0.02 | Percent Institutions 57.25 |
Analyst Ratings
Rating 4 | Target Price 71.2 | Buy 2 | Strong Buy 7 |
Buy 2 | Strong Buy 7 | ||
Hold 6 | Sell 1 | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Toronto Dominion Bank
Company Overview
History and Background
Toronto Dominion Bank (TD) was formed in 1955 through the merger of the Bank of Toronto (founded 1855) and The Dominion Bank (founded 1869). It has grown through acquisitions and expansions, becoming one of the largest banks in North America.
Core Business Areas
- Canadian Retail: Provides a full range of financial products and services to personal and commercial customers across Canada.
- U.S. Retail: Offers retail and commercial banking services through TD Bank, America's Most Convenient Bank, primarily along the East Coast.
- Wealth Management and Insurance: Includes wealth management services, investment products, and insurance solutions globally.
- Wholesale Banking: Provides investment banking, corporate banking, and capital markets services to corporations, governments, and institutions.
Leadership and Structure
TD is led by CEO Bharat Masrani. The organizational structure includes various executive leadership teams overseeing each core business area and support functions.
Top Products and Market Share
Key Offerings
- Personal Banking: Includes checking accounts, savings accounts, mortgages, and personal loans. Competitors: Bank of America, Wells Fargo, Chase. TD has a strong presence in the Northeast US, although specific market share data for each product line is difficult to accurately quantify and depends on region, but a rough estimate would be around 2-3% nationally.
- Credit Cards: Offers a variety of credit cards with rewards programs and benefits. Competitors: American Express, Capital One, Chase. TD has partnerships for private label credit cards, but the overall market share is around 2-3% nationally.
- Small Business Banking: Provides loans, lines of credit, and other financial services for small businesses. Competitors: Bank of America, Wells Fargo, Chase, regional banks. The overall market share is around 3-4% nationally.
- Wealth Management: Offers investment management and financial planning services. Competitors: Morgan Stanley, Goldman Sachs, Charles Schwab. The overall market share is around 1-2% nationally.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing digitalization, rising interest rates, heightened regulatory scrutiny, and intense competition. Economic uncertainty and technological advancements are significant factors.
Positioning
TD is positioned as a leading North American bank with a strong focus on customer service and convenience, particularly in the U.S. retail market. Its competitive advantages include its extensive branch network, brand recognition, and risk management capabilities.
Total Addressable Market (TAM)
The total addressable market for banking services in North America is estimated to be in the trillions of dollars. TD is positioned to capture a share through its retail and commercial banking operations. It is likely in the 5% range currently.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Extensive branch network in Canada and the US
- Diversified business lines
- Solid capital position
- Strong risk management
Weaknesses
- Dependence on North American market
- Exposure to regulatory changes
- Higher expense ratio compared to peers
- Historically lower technology investments
- Potential regulatory costs and settlements
Opportunities
- Expansion into new geographic markets
- Increased digitalization of services
- Growth in wealth management business
- Strategic acquisitions
- Growing digital product offerings
Threats
- Economic downturn
- Increased competition from fintech companies
- Rising interest rates
- Cybersecurity risks
- Regulatory changes
Competitors and Market Share
Key Competitors
- BAC
- WFC
- JPM
- C
Competitive Landscape
TD has a strong retail presence, particularly in the Eastern US, but faces competition from larger national banks with more diversified operations and extensive global reach. TD's focus on customer service and convenience differentiates it, but it faces rising competition from fintech companies.
Major Acquisitions
Cowen Inc.
- Year: 2023
- Acquisition Price (USD millions): 1300
- Strategic Rationale: Expanded TD Securities' capabilities and client base, particularly in capital markets and advisory services.
Growth Trajectory and Initiatives
Historical Growth: TD has experienced growth through organic expansion, strategic acquisitions, and increased market penetration, particularly in the U.S. retail market.
Future Projections: Future growth projections would be based on analyst estimates, which can vary. Factors influencing growth include economic conditions, interest rates, and competition.
Recent Initiatives: Recent strategic initiatives may include digital transformation efforts, expansion into new markets, and investments in technology.
Summary
Toronto Dominion Bank is a large, stable financial institution with a strong presence in North America. Its strengths lie in its retail banking operations and brand recognition. Potential challenges include economic uncertainty and increased competition from fintech firms. The company needs to continue investing in technology and manage regulatory risks effectively.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- Financial news articles
- Analyst reports
- SEC filings
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data are estimates and may vary. Actual results may differ materially.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Toronto Dominion Bank
Exchange NYSE | Headquaters Toronto, ON, Canada | ||
IPO Launch date 1996-08-30 | Group Head, U.S. Retail, TD Bank Group & President and CEO, TD Bank, America's Most Convenient Bank Mr. Leovigildo Salom Jr. | ||
Sector Financial Services | Industry Banks - Diversified | Full time employees 100841 | Website https://www.td.com |
Full time employees 100841 | Website https://www.td.com | ||
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 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. The Toronto-Dominion Bank was founded in 1855 and is headquartered in Toronto, Canada.
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