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Upturn AI SWOT - About
TD 
Toronto Dominion Bank (TD)
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Upturn Advisory Summary
08/07/2025: TD (3-star) is a SELL. SELL since 1 days. Profits (19.18%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
16 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $71.72
1 Year Target Price $71.72
| 7 | Strong Buy |
| 2 | Buy |
| 6 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 11.4% | Avg. Invested days 44 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/07/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 126.36B USD | Price to earnings Ratio 10.41 | 1Y Target Price 71.72 |
Price to earnings Ratio 10.41 | 1Y Target Price 71.72 | ||
Volume (30-day avg) 16 | Beta 1.02 | 52 Weeks Range 49.38 - 75.58 | Updated Date 08/7/2025 |
52 Weeks Range 49.38 - 75.58 | Updated Date 08/7/2025 | ||
Dividends yield (FY) 5.64% | Basic EPS (TTM) 7 |
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 10.41 | Forward PE 11.56 | Enterprise Value -17548804096 | Price to Sales(TTM) 2.03 |
Enterprise Value -17548804096 | Price to Sales(TTM) 2.03 | ||
Enterprise Value to Revenue 6.96 | Enterprise Value to EBITDA - | Shares Outstanding 1722480000 | Shares Floating 1683188277 |
Shares Outstanding 1722480000 | Shares Floating 1683188277 | ||
Percent Insiders 0.15 | Percent Institutions 56.65 |
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 in 1855) and The Dominion Bank (founded in 1869). It has grown through acquisitions and expansions, becoming a major North American financial institution.
Core Business Areas
- Canadian Retail: Provides a range of financial products and services to individual and business customers in Canada, including banking, wealth management, and insurance.
- U.S. Retail: Offers banking, wealth management, and other financial services to customers in the United States. This includes TD Bank, America's Most Convenient Bank.
- Wholesale Banking: Delivers a broad array of capital markets, investment banking, corporate and transaction banking services to corporate, government, and institutional clients.
Leadership and Structure
Bharat Masrani is the Group President and CEO. TD operates with a board of directors and a structured executive team overseeing various business segments and support functions.
Top Products and Market Share
Key Offerings
- Personal Banking Accounts: Checking and savings accounts, credit cards, mortgages, and loans. TD is a major player in the Canadian banking market, competing with RBC, BMO, Scotiabank, and CIBC. Market share data is highly competitive and fluctuates.
- Wealth Management: Investment advice, portfolio management, and brokerage services for individuals and institutions. Competitors include major wealth management firms like Merrill Lynch, Morgan Stanley, and independent advisors.
- Commercial Banking: Lending, cash management, and trade finance solutions for businesses. Competitors include JPM, BAC, C.
Market Dynamics
Industry Overview
The financial services industry is currently facing increased competition, regulatory changes, technological disruption (FinTech), and economic uncertainty.
Positioning
TD is one of the largest banks in North America. Its competitive advantages include a strong retail banking presence, a growing U.S. footprint, and a diversified business model.
Total Addressable Market (TAM)
The TAM for financial services is in the trillions of dollars globally. TD is positioned to capture a portion of this market through its retail and wholesale banking operations, but specific market share varies by product and region.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Extensive retail network in Canada and the US
- Diversified business model
- Solid capital base
- Risk Management Framework
Weaknesses
- Heavily reliant on Canadian market
- Exposure to regulatory changes
- Dependence on consumer spending
- Vulnerability to cyber threats
Opportunities
- Expansion in the US market
- Growth in wealth management
- Adoption of digital technologies
- Strategic acquisitions
- New Product Innovation
Threats
- Economic downturns
- Increased competition from FinTech companies
- Rising interest rates
- Geopolitical risks
- Data breaches
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- C
- USB
Competitive Landscape
TD benefits from a strong Canadian market share and growing US presence, but faces intense competition from larger US banks with greater scale and resources.
Major Acquisitions
Cowen Inc.
- Year: 2023
- Acquisition Price (USD millions): 1300
- Strategic Rationale: To accelerate the growth of TD Securities and strengthen its presence in the US.
Growth Trajectory and Initiatives
Historical Growth: TD has experienced growth through organic expansion and acquisitions, particularly in the US retail banking sector.
Future Projections: Analyst estimates suggest continued growth, driven by expansion in key markets and business segments.
Recent Initiatives: TD has been focused on digital transformation, improving customer experience, and expanding its presence in high-growth markets.
Summary
Toronto Dominion Bank is a strong player in the North American financial services industry, with a diversified business model and a solid capital base. Its reliance on the Canadian market and increased competition from FinTech companies are potential weaknesses. Continued expansion in the US and adoption of digital technologies present opportunities for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Financial News Outlets
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data is subject to change.
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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