The Toronto-Dominion Bank
$120.53+0.0%YTD+27.7%1Y+61.9%
Mentions · last 7 days
262+2%
Price updated 4m ago·X counts updated 2d ago
AI verdict & sentimentAI analysisGenerated by AI from underlying data
Today's AI verdict on what's driving $TD, plus how loud the X conversation is and which way it's leaning.
What it does
Plain-English summary of the business — what they sell and how they make money.
Industry overviewAI analysisGenerated by AI from underlying data
Where Banks - Diversified sits in its cycle right now — and what that implies for $TD.
Banks - Diversified
No material change from last week — elevated NIM has padded bank earnings through 2025, but markets pricing Fed cuts through 2026 compress margins on the way down.
What this means for $TD
Partial — The Toronto-Dominion Bank, along with its affiliated entities, delivers a comprehensive array of financial solutions and services across Canada, the United States, and various international markets; partial earnings exposure to banks - diversified demand dynamics through its product portfolio.
Top industry ETF
$KBESPDR S&P Bank ETF
+14.5%YTD
+19.1%1Y
Fundamentals & catalyst
Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.
Key ratios
P/E
20.4How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.ROIC
1.6%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.Op margin
16.4%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.FCF yield
4.5%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).P/S
2.5Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.ROE
11.9%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.Gross margin
53.0%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.D/E
5.6Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.Past earnings
QuarterReportedActualEstimateSurprise
Q1 2026May 28, 2026$1.74$1.63+6.7%
Q4 2025Feb 26, 2026$1.76$1.63+8.0%
Q3 2025Dec 4, 2025$1.57$1.46+7.5%
Q2 2025Aug 28, 2025$1.91$1.46+30.8%
Next earningsThu, Aug 27·consensus EPS $1.71
Quarterly trend
QuarterRevenueYoYGrossOpEPSFCF
Q2 FY26$27.0B-5.1%55.2%18.6%$2.43$10.2B
Q1 FY26$28.1B-5.9%53.9%18.4%$2.35$35.1B
Q4 FY25$28.8B-5.9%51.8%14.3%$1.80$-10.1B
Q3 FY25$28.7B-5.4%50.6%14.8%$1.89$-22.3B
Forward consensus
FYRevenueRangeEPSRangeAnalysts
FY26$57.6B$57.5B – $57.6B$9.35$9.15 – $9.472
FY27$60.2B$60.1B – $60.2B$10.38$10.27 – $10.492
FY28$74.8B$74.8B – $74.9B$11.63$11.62 – $11.641
FY29$162.4B$162.3B – $162.5B$10.62$10.61 – $10.631
Setup & momentum
Volume, range, and moving-average position — the technical setup driving short-term moves.
Right now
Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.8×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.92%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+4.1%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+23.2%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.
Float & profile
FloatMega float · 1.6B shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.1% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.885-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.
SEC filings
Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.
Recent material filings
+ 22 other (9 6-Ks · 9 13Gs · 2 13Fs · 1 11-K) in window
Recent news
Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.
More in Banks - Diversified
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