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Upturn AI SWOT - About
TD 
Toronto Dominion Bank (TD)
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Upturn Advisory Summary
03/25/2025: TD (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -23.07% | Avg. Invested days 30 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/25/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 104.50B USD | Price to earnings Ratio 18.09 | 1Y Target Price 65.31 |
Price to earnings Ratio 18.09 | 1Y Target Price 65.31 | ||
Volume (30-day avg) 1750879 | Beta 0.82 | 52 Weeks Range 50.56 - 63.29 | Updated Date 04/1/2025 |
52 Weeks Range 50.56 - 63.29 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 4.89% | Basic EPS (TTM) 3.28 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 16.51% | Operating Margin (TTM) 26.85% |
Management Effectiveness
Return on Assets (TTM) 0.44% | Return on Equity (TTM) 7.61% |
Valuation
Trailing PE 18.09 | Forward PE 11.11 | Enterprise Value -39014121472 | Price to Sales(TTM) 1.98 |
Enterprise Value -39014121472 | Price to Sales(TTM) 1.98 | ||
Enterprise Value to Revenue 7.06 | Enterprise Value to EBITDA - | Shares Outstanding 1751810048 | Shares Floating 1713075015 |
Shares Outstanding 1751810048 | Shares Floating 1713075015 | ||
Percent Insiders 0.02 | Percent Institutions 53.35 |
Analyst Ratings
Rating 3.75 | Target Price 59.28 | Buy 3 | Strong Buy 5 |
Buy 3 | Strong Buy 5 | ||
Hold 7 | Sell 1 | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Toronto Dominion Bank
Company Overview
History and Background
Toronto Dominion Bank was formed in 1955 through the merger of the Bank of Toronto (founded 1855) and The Dominion Bank (founded 1869). It has grown to become one of the largest banks in North America through organic growth and strategic acquisitions.
Core Business Areas
- Canadian Retail: Offers a range of financial products and services to individuals and businesses across Canada, including banking, investment, and insurance solutions.
- U.S. Retail: Provides banking and wealth management services to customers in the United States, primarily through TD Bank, America's Most Convenient Bank.
- Wholesale Banking: Delivers financial solutions to corporations, governments, and institutions worldwide, including investment banking, capital markets, and corporate lending.
Leadership and Structure
Bharat Masrani is the Group President and CEO. The bank operates with a board of directors and an executive leadership team overseeing various business segments.
Top Products and Market Share
Key Offerings
- Personal Banking Accounts: Offers chequing, savings, and other deposit accounts. Competitors include Bank of America, Wells Fargo, and JPMorgan Chase. No specific US market share available.
- Mortgages: Provides residential mortgages to customers in both Canada and the US. Competitors include Bank of America, Wells Fargo, and US Bank. No specific US market share available.
- Credit Cards: Offers a variety of credit cards with rewards and benefits. Competitors include American Express, Capital One, and Chase. No specific US market share available.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic conditions. Fintech companies are increasingly challenging traditional banks.
Positioning
TD Bank is a leading North American bank known for its strong retail presence, particularly in the eastern United States. It focuses on customer service and convenience.
Total Addressable Market (TAM)
The total addressable market for banking services in North America is estimated to be in the trillions of dollars. TD Bank holds a significant position, competing with major US banks for market share and customer loyalty.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Extensive branch network
- Diversified business model
- Solid financial performance
- Strong risk management practices
Weaknesses
- Reliance on retail banking
- Geographic concentration in certain markets
- Exposure to regulatory scrutiny
- Operational risks
- Technology Integration challenges
Opportunities
- Expansion into new markets
- Digital transformation initiatives
- Strategic acquisitions
- Growth in wealth management
- Increasing demand for sustainable finance
Threats
- Increased competition from fintech companies
- Economic downturns
- Rising interest rates
- Cybersecurity threats
- Regulatory changes
Competitors and Market Share
Key Competitors
- BAC
- WFC
- JPM
- C
- USB
Competitive Landscape
TD Bank differentiates itself through customer service and convenience, especially in its U.S. retail operations. While it competes with larger banks, its focus on retail banking and strategic acquisitions positions it well for continued growth.
Major Acquisitions
Cowen Inc.
- Year: 2023
- Acquisition Price (USD millions): 1300
- Strategic Rationale: Accelerates the growth of TD Securities in the US and complements TD's existing capabilities. Helps to expand into new markets and sectors.
Growth Trajectory and Initiatives
Historical Growth: Historical growth needs to be pulled from official TD Bank information for accuracy
Future Projections: Future projections requires pulling from official analyst information.
Recent Initiatives: Recent initiatives can be determined from official company press releases.
Summary
Toronto Dominion Bank is a strong financial institution with a solid retail presence, especially in the US. Its focus on customer service and strategic acquisitions has contributed to its growth. However, it faces increasing competition from fintech companies and needs to manage regulatory risks effectively. Continued investment in digital transformation and expansion into new markets will be crucial for future success.
Similar Companies
BAC
Bank of America Corp
BAC
Bank of America Corp
BMO
Bank of Montreal
BMO
Bank of Montreal
C
Citigroup Inc
C
Citigroup Inc
JPM
JPMorgan Chase & Co
JPM
JPMorgan Chase & Co
RY
Royal Bank of Canada
RY
Royal Bank of Canada
USB
U.S. Bancorp
USB
U.S. Bancorp
WFC
Wells Fargo & Company
WFC
Wells Fargo & Company
Sources and Disclaimers
Data Sources:
- TD Bank Investor Relations
- SEC Filings
- MarketWatch
- Yahoo Finance
- Company Press Releases
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may not be precise. Past performance is not indicative of future results.
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 100424 | Website https://www.td.com |
Full time employees 100424 | 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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