The Toronto-Dominion Bank (TD) 10-Year Financial Performance & Capital Metrics

TD • • Banking & Credit

Financial ServicesDiversified BanksNorth American universal banks

AboutThe Toronto-Dominion Bank, together with its subsidiaries, provides various financial products and services in Canada, the United States, and internationally. It operates through three segments: Canadian Retail, U.S. Retail, 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. It offers its products and services under the TD Bank and America's Most Convenient Bank brand names. The company operates through a network of 1,061 branches and 3,381 automated teller machines (ATMs) in Canada, and 1,148 stores and 2,701 ATMs in the United States, as well as offers telephone, digital, and mobile banking services. It has a strategic alliance with Canada Post Corporation. The Toronto-Dominion Bank was founded in 1855 and is headquartered in Toronto, Canada.Show more

Net Interest Income $33.06B +8.5%
Total Revenue $115.84B -2.8%
Net Income $20.54B +132.3%
Return on Equity 16.9% +117.2%
Net Interest Margin 1.58% +6.8%
Efficiency Ratio 28.34% -16.5%
ROA 0.99% +124.5%
Equity / Assets 6.1% +9.3%
Book Value per Share 74.37 +13.7%
Tangible BV/Share 61.34 +15.8%
Debt/Equity 5.19 -9.8%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 28.3% efficiency ratio
✓Healthy dividend yield of 3.3%
✓Share count reduced 2.3% through buybacks
✓Trading near 52-week high

✗Weaknesses

✗High debt to equity ratio of 5.2x
✗Weak NIM of 1.6%

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y12.03%

5Y16.23%

3Y24.91%

TTM-

Profit (Net Income) CAGR

10Y10.01%

5Y11.54%

3Y5.62%

TTM132.28%

EPS CAGR

10Y10.63%

5Y12.45%

3Y6.87%

TTM143.86%

ROCE

10Y Avg4.35%

5Y Avg4.5%

3Y Avg3.84%

Latest5.43%

Peer Comparison

North American universal banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
CCitigroup Inc.	192.61B	110.22	18.52	9.86%	7.43%	6.87%		2.82
BNSThe Bank of Nova Scotia	93.65B	75.75	18.22	148.2%	10.64%	8.79%	3.95%	5.69
BMOBank of Montreal	102.03B	143.93	17.22	-0.52%	11.14%	10.57%	6.1%	4.71
RYRoyal Bank of Canada	234.16B	167.23	16.24	2.13%	14.82%	14.63%	16.53%	6.00
CMCanadian Imperial Bank of Commerce	93.55B	100.96	16.12	-3.14%	13.59%	13.09%		5.52
JPMJPMorgan Chase & Co.	809.67B	300.30	15.21	14.61%	21.59%	16.11%		2.18
WFCWells Fargo & Company	251.85B	81.44	15.16	8.72%	15.73%	11.51%	1.21%	1.56
BACBank of America Corporation	379.25B	49.83	13.04	-1.91%	16.23%	10.1%	3.33%	1.21

Profit & Loss

	Oct 2016	Oct 2017	Oct 2018	Oct 2019	Oct 2020	Oct 2021	Oct 2022	Oct 2023	Oct 2024	Oct 2025
Net Interest Income+	19.92B	20.85B	22.24B	23.82B	24.5B	24.13B	27.35B	29.94B	30.47B	33.06B
NII Growth %	6.4%	4.64%	6.68%	7.11%	2.84%	-1.49%	13.35%	9.47%	1.76%	8.5%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	26.56B	29.83B	36.42B	41.94B	35.83B	29.58B	41.03B	80.67B	93.39B	87.62B
Interest Expense	6.64B	8.98B	14.18B	18.12B	11.34B	5.45B	13.68B	50.73B	62.92B	54.56B
Loan Loss Provision	2.33B	2.22B	2.48B	3.03B	7.24B	-224M	1.07B	2.93B	4.25B	4.5B
Non-Interest Income+	14.08B	14.99B	16.29B	16.91B	18.79B	18.14B	18.41B	21.58B	25.78B	28.22B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	40.64B	44.83B	52.72B	58.85B	54.62B	47.72B	59.44B	102.25B	119.17B	115.84B
Revenue Growth %	9.21%	10.31%	17.6%	11.64%	-7.19%	-12.64%	24.57%	72.03%	16.55%	-2.8%
Non-Interest Expense	21.02B	21.3B	22.28B	24.47B	24.13B	25.36B	23.28B	34.84B	40.47B	32.83B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	10.65B	12.32B	13.77B	13.23B	11.91B	17.13B	21.41B	13.75B	11.53B	23.95B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	16.1%	15.73%	11.78%	-3.95%	-9.94%	43.81%	24.99%	-35.78%	-16.14%	107.65%
Pretax Income+	10.65B	12.32B	13.77B	13.23B	11.91B	17.13B	21.41B	13.75B	11.53B	23.95B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	2.14B	2.25B	3.18B	2.73B	1.15B	3.62B	3.99B	3.12B	2.69B	3.41B
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	8.82B	10.4B	11.26B	11.67B	11.89B	14.3B	17.43B	10.63B	8.84B	20.54B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	11.49%	17.86%	8.33%	3.6%	1.95%	20.2%	21.9%	-38.99%	-16.85%	132.28%
Net Income (Continuing)	8.5B	10.07B	10.59B	10.49B	10.76B	13.51B	17.43B	10.63B	8.84B	20.54B
EPS (Diluted)+	4.67	5.50	6.01	6.25	6.43	7.72	9.47	5.52	4.72	11.56
EPS Growth %	10.93%	17.77%	9.27%	3.99%	2.88%	20.06%	22.67%	-41.71%	-14.49%	144.92%
EPS (Basic)	4.68	5.51	6.02	6.26	6.43	7.73	9.48	5.53	4.73	11.57
Diluted Shares Outstanding	1.86B	1.85B	1.84B	1.83B	1.81B	1.82B	1.81B	1.82B	1.76B	1.72B

Balance Sheet

	Oct 2016	Oct 2017	Oct 2018	Oct 2019	Oct 2020	Oct 2021	Oct 2022	Oct 2023	Oct 2024	Oct 2025
Cash & Short Term Investments+	165.19B	201.57B	53.97B	52.57B	195.5B	194.67B	156.98B	116.51B	230.49B	156.06B
Cash & Due from Banks	57.62B	55.16B	35.45B	30.45B	170.59B	165.89B	145.85B	105.07B	178.02B	116.93B
Short Term Investments	107.57B	146.41B	18.51B	22.12B	24.91B	28.78B	11.13B	11.44B	52.47B	39.13B
Total Investments+	889.64B	898.38B	957.24B	994.96B	1.17T	1.18T	1.4T	1.41T	1.46T	1.47T
Investments Growth %	12.89%	0.98%	6.55%	3.94%	17.54%	1.22%	18.69%	0.19%	3.77%	0.78%
Long-Term Investments	785.95B	755.75B	942.27B	977.29B	1.14T	1.15T	1.4T	1.4T	1.41T	1.43T
Accounts Receivables	9.73B	9.88B	11.28B	11.55B	13.13B	11.34B	14.53B	19.4B	18.44B	15.04B
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	16.66B	16.16B	16.54B	16.98B	17.15B	16.23B	17.66B	18.6B	18.85B	18.98B
Intangible Assets	2.64B	2.62B	2.46B	2.5B	2.13B	2.12B	2.3B	2.77B	3.04B	3.41B
PP&E (Net)	5.48B	5.31B	5.32B	5.51B	10.14B	9.18B	9.4B	9.43B	9.84B	10.13B
Other Assets	174.38B	257.19B	274.29B	327.2B	293.43B	308.77B	293.54B	358.69B	339.95B	419.62B
Total Current Assets	193.65B	243.25B	94.75B	88.46B	246.03B	241.53B	198.63B	172.6B	276.9B	204.11B
Total Non-Current Assets	983.32B	1.04T	1.24T	1.33T	1.47T	1.49T	1.72T	1.78T	1.78T	1.89T
Total Assets+	1.18T	1.28T	1.33T	1.42T	1.72T	1.73T	1.92T	1.96T	2.06T	2.09T
Asset Growth %	6.57%	8.67%	4.37%	6.02%	21.24%	0.75%	10.92%	1.96%	5.45%	1.59%
Return on Assets (ROA)	0.77%	0.85%	0.86%	0.85%	0.76%	0.83%	0.96%	0.55%	0.44%	0.99%
Accounts Payable	23.22B	38.33B	34.63B	30.3B	42.86B	37.21B	32.1B	43.61B	39.86B	41.04B
Total Debt+	267.19B	322.56B	358.24B	406.69B	447.37B	400.86B	502.06B	568.66B	662.56B	663.58B
Net Debt	209.57B	267.41B	322.78B	376.24B	276.78B	234.97B	356.21B	463.59B	484.54B	546.65B
Long-Term Debt	142.26B	143.23B	157.88B	169.9B	162.11B	122.2B	152.74B	178.86B	204.33B	225.33B
Short-Term Debt	124.93B	179.34B	200.36B	236.72B	279.17B	273.19B	344B	384.75B	453.22B	432.89B
Other Liabilities	99.34B	86.74B	81.65B	81.41B	89.22B	93.3B	135.33B	119.65B	103.45B	94.3B
Total Current Liabilities	860.81B	973.66B	1.02T	1.08T	1.36T	1.41T	1.51T	1.54T	1.63T	1.64T
Total Non-Current Liabilities	241.94B	230.15B	239.7B	251.56B	257.71B	221.22B	293.62B	303.76B	313.1B	325.29B
Total Liabilities	1.1T	1.2T	1.25T	1.33T	1.62T	1.63T	1.81T	1.84T	1.95T	1.97T
Total Equity+	74.21B	75.19B	80.04B	87.7B	95.5B	99.82B	111.38B	112.07B	115.16B	127.83B
Equity Growth %	10.72%	1.32%	6.45%	9.57%	8.89%	4.52%	11.59%	0.62%	2.76%	11%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	12.49%	13.92%	14.51%	13.91%	12.99%	14.64%	16.5%	9.52%	7.78%	16.9%
Book Value per Share	39.97	40.54	43.51	47.99	52.80	54.84	61.42	61.43	65.43	74.37
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	20.71B	20.93B	21.22B	21.71B	22.49B	23.07B	24.36B	25.43B	25.37B	24.73B
Additional Paid-in Capital	203M	214M	193M	157M	121M	173M	179M	155M	204M	285M
Retained Earnings	35.45B	40.49B	46.15B	49.5B	53.84B	63.94B	73.7B	73.01B	70.83B	78.32B
Accumulated OCI	11.83B	8.01B	6.64B	10.58B	13.44B	7.1B	1.99B	2.75B	7.9B	12.87B
Treasury Stock	-36M	-183M	-151M	-47M	-41M	-162M	-98M	-129M	-35M	-4M
Preferred Stock	4.4B	4.75B	5B	5.8B	5.65B	5.7B	11.25B	10.85B	10.89B	11.63B

Cash Flow

	Oct 2016	Oct 2017	Oct 2018	Oct 2019	Oct 2020	Oct 2021	Oct 2022	Oct 2023	Oct 2024	Oct 2025
Cash from Operations+	37.4B	26.13B	5.69B	830M	229.61B	50.13B	38.95B	-65.3B	54.94B	-69.65B
Operating CF Growth %	6.03%	-30.14%	-78.21%	-85.42%	27563.49%	-78.17%	-22.3%	-267.66%	184.13%	-226.77%
Net Income	11.08B	12.77B	14.52B	11.69B	11.89B	14.3B	17.43B	10.63B	8.84B	20.54B
Depreciation & Amortization	1.34B	1.31B	1.39B	1.41B	2.14B	2.07B	1.77B	1.91B	2.03B	2.17B
Deferred Taxes	103M	175M	385M	-33M	-1.06B	258M	502M	-1.31B	-1.06B	-764M
Other Non-Cash Items	1.84B	1.44B	1.63B	1.76B	4.58B	-1.02B	-981M	2.12B	2.89B	-3.01B
Working Capital Changes	23.04B	10.44B	-12.22B	-13.99B	212.06B	34.53B	20.23B	-78.66B	42.24B	-88.58B
Cash from Investing+	-36.45B	-18.93B	1.55B	4.95B	-223.32B	-45.27B	-31.89B	76.23B	-45.42B	86.19B
Purchase of Investments	-73.39B	-83.62B	-71.93B	-76.1B	-197.27B	-174.95B	-180.69B	-51.32B	-53.85B	-130.62B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	-2.13B	0	-540M	0	-1.86B	2.48B	-624M	3.42B	20.78B
Other Investing	-11.23B	2.53B	20.46B	5.17B	-138.27B	-729M	30.45B	41.45B	-71.15B	61.59B
Cash from Financing+	-247M	-7.04B	-6.53B	-5.65B	-4.75B	-5.04B	-4.82B	-12.85B	-9.81B	-15.5B
Dividends Paid	-3.81B	-4.21B	-4.63B	-5.16B	-3.66B	-5.55B	-6.67B	-5.83B	-7.16B	-7.66B
Share Repurchases	-6.37B	-11.23B	-10.43B	-12.17B	-9.88B	-11.06B	-14.3B	-13.23B	-17.13B	-20.84B
Stock Issued	6.08B	9.83B	8.58B	10.12B	8.92B	11.09B	11.28B	8.57B	12.05B	14.84B
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	-1000K	-1000K	1000K	-1000K	-1000K	-1000K	-1000K	1000K	-1000K
Other Financing	-115M	-738M	-72M	-1.01B	0	0	1B	400M	1.3B	0
Net Change in Cash+	753M	64M	764M	128M	1.58B	-514M	2.63B	-1.83B	-284M	1.07B
Exchange Rate Effect	1000K	-1000K	1000K	1000K	1000K	-1000K	1000K	1000K	1000K	1000K
Cash at Beginning	3.15B	3.91B	3.97B	4.74B	4.86B	6.45B	5.93B	8.56B	6.72B	6.44B
Cash at End	3.91B	3.97B	4.74B	4.86B	6.45B	5.93B	8.56B	6.72B	6.44B	7.51B
Interest Paid	6.56B	8.96B	13.89B	18.01B	11.59B	5.88B	12.52B	48.18B	61.78B	55.47B
Income Taxes Paid	1.18B	2.87B	3.54B	3.59B	2.29B	4.07B	4.4B	3.04B	3.81B	4.33B
Free Cash Flow+	36.6B	25.69B	5.11B	-555M	228.35B	49B	37.49B	-67.15B	52.76B	-71.79B
FCF Growth %	6.71%	-29.81%	-80.13%	-110.87%	41243.42%	-78.54%	-23.48%	-279.08%	178.57%	-236.07%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	12.49%	13.92%	14.51%	13.91%	12.99%	14.64%	16.5%	9.52%	7.78%	16.9%
Return on Assets (ROA)	0.77%	0.85%	0.86%	0.85%	0.76%	0.83%	0.96%	0.55%	0.44%	0.99%
Net Interest Margin	1.69%	1.63%	1.67%	1.68%	1.43%	1.4%	1.43%	1.53%	1.48%	1.58%
Efficiency Ratio	51.73%	47.53%	42.26%	41.58%	44.17%	53.14%	39.16%	34.07%	33.96%	28.34%
Equity / Assets	6.31%	5.88%	6%	6.2%	5.57%	5.77%	5.81%	5.73%	5.59%	6.1%
Book Value / Share	39.97	40.54	43.51	47.99	52.8	54.84	61.42	61.43	65.43	74.37
NII Growth	6.4%	4.64%	6.68%	7.11%	2.84%	-1.49%	13.35%	9.47%	1.76%	8.5%
Dividend Payout	43.17%	40.51%	41.15%	44.2%	30.77%	38.85%	38.24%	54.78%	80.98%	37.31%

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The Toronto-Dominion Bank (TD) 10-Year Financial Performance & Capital Metrics

TD • • Banking & Credit

Financial ServicesDiversified BanksNorth American universal banks

Net Interest Income $33.06B +8.5%
Total Revenue $115.84B -2.8%
Net Income $20.54B +132.3%
Return on Equity 16.9% +117.2%
Net Interest Margin 1.58% +6.8%
Efficiency Ratio 28.34% -16.5%
ROA 0.99% +124.5%
Equity / Assets 6.1% +9.3%
Book Value per Share 74.37 +13.7%
Tangible BV/Share 61.34 +15.8%
Debt/Equity 5.19 -9.8%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 28.3% efficiency ratio
✓Healthy dividend yield of 3.3%
✓Share count reduced 2.3% through buybacks
✓Trading near 52-week high

✗Weaknesses

✗High debt to equity ratio of 5.2x
✗Weak NIM of 1.6%

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y12.03%

5Y16.23%

3Y24.91%

TTM-

Profit (Net Income) CAGR

10Y10.01%

5Y11.54%

3Y5.62%

TTM132.28%

EPS CAGR

10Y10.63%

5Y12.45%

3Y6.87%

TTM143.86%

ROCE

10Y Avg4.35%

5Y Avg4.5%

3Y Avg3.84%

Latest5.43%

Peer Comparison

North American universal banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
CCitigroup Inc.	192.61B	110.22	18.52	9.86%	7.43%	6.87%		2.82
BNSThe Bank of Nova Scotia	93.65B	75.75	18.22	148.2%	10.64%	8.79%	3.95%	5.69
BMOBank of Montreal	102.03B	143.93	17.22	-0.52%	11.14%	10.57%	6.1%	4.71
RYRoyal Bank of Canada	234.16B	167.23	16.24	2.13%	14.82%	14.63%	16.53%	6.00
CMCanadian Imperial Bank of Commerce	93.55B	100.96	16.12	-3.14%	13.59%	13.09%		5.52
JPMJPMorgan Chase & Co.	809.67B	300.30	15.21	14.61%	21.59%	16.11%		2.18
WFCWells Fargo & Company	251.85B	81.44	15.16	8.72%	15.73%	11.51%	1.21%	1.56
BACBank of America Corporation	379.25B	49.83	13.04	-1.91%	16.23%	10.1%	3.33%	1.21

Profit & Loss

	Oct 2016	Oct 2017	Oct 2018	Oct 2019	Oct 2020	Oct 2021	Oct 2022	Oct 2023	Oct 2024	Oct 2025
Net Interest Income+	19.92B	20.85B	22.24B	23.82B	24.5B	24.13B	27.35B	29.94B	30.47B	33.06B
NII Growth %	6.4%	4.64%	6.68%	7.11%	2.84%	-1.49%	13.35%	9.47%	1.76%	8.5%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	26.56B	29.83B	36.42B	41.94B	35.83B	29.58B	41.03B	80.67B	93.39B	87.62B
Interest Expense	6.64B	8.98B	14.18B	18.12B	11.34B	5.45B	13.68B	50.73B	62.92B	54.56B
Loan Loss Provision	2.33B	2.22B	2.48B	3.03B	7.24B	-224M	1.07B	2.93B	4.25B	4.5B
Non-Interest Income+	14.08B	14.99B	16.29B	16.91B	18.79B	18.14B	18.41B	21.58B	25.78B	28.22B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	40.64B	44.83B	52.72B	58.85B	54.62B	47.72B	59.44B	102.25B	119.17B	115.84B
Revenue Growth %	9.21%	10.31%	17.6%	11.64%	-7.19%	-12.64%	24.57%	72.03%	16.55%	-2.8%
Non-Interest Expense	21.02B	21.3B	22.28B	24.47B	24.13B	25.36B	23.28B	34.84B	40.47B	32.83B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	10.65B	12.32B	13.77B	13.23B	11.91B	17.13B	21.41B	13.75B	11.53B	23.95B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	16.1%	15.73%	11.78%	-3.95%	-9.94%	43.81%	24.99%	-35.78%	-16.14%	107.65%
Pretax Income+	10.65B	12.32B	13.77B	13.23B	11.91B	17.13B	21.41B	13.75B	11.53B	23.95B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	2.14B	2.25B	3.18B	2.73B	1.15B	3.62B	3.99B	3.12B	2.69B	3.41B
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	8.82B	10.4B	11.26B	11.67B	11.89B	14.3B	17.43B	10.63B	8.84B	20.54B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	11.49%	17.86%	8.33%	3.6%	1.95%	20.2%	21.9%	-38.99%	-16.85%	132.28%
Net Income (Continuing)	8.5B	10.07B	10.59B	10.49B	10.76B	13.51B	17.43B	10.63B	8.84B	20.54B
EPS (Diluted)+	4.67	5.50	6.01	6.25	6.43	7.72	9.47	5.52	4.72	11.56
EPS Growth %	10.93%	17.77%	9.27%	3.99%	2.88%	20.06%	22.67%	-41.71%	-14.49%	144.92%
EPS (Basic)	4.68	5.51	6.02	6.26	6.43	7.73	9.48	5.53	4.73	11.57
Diluted Shares Outstanding	1.86B	1.85B	1.84B	1.83B	1.81B	1.82B	1.81B	1.82B	1.76B	1.72B

Balance Sheet

	Oct 2016	Oct 2017	Oct 2018	Oct 2019	Oct 2020	Oct 2021	Oct 2022	Oct 2023	Oct 2024	Oct 2025
Cash & Short Term Investments+	165.19B	201.57B	53.97B	52.57B	195.5B	194.67B	156.98B	116.51B	230.49B	156.06B
Cash & Due from Banks	57.62B	55.16B	35.45B	30.45B	170.59B	165.89B	145.85B	105.07B	178.02B	116.93B
Short Term Investments	107.57B	146.41B	18.51B	22.12B	24.91B	28.78B	11.13B	11.44B	52.47B	39.13B
Total Investments+	889.64B	898.38B	957.24B	994.96B	1.17T	1.18T	1.4T	1.41T	1.46T	1.47T
Investments Growth %	12.89%	0.98%	6.55%	3.94%	17.54%	1.22%	18.69%	0.19%	3.77%	0.78%
Long-Term Investments	785.95B	755.75B	942.27B	977.29B	1.14T	1.15T	1.4T	1.4T	1.41T	1.43T
Accounts Receivables	9.73B	9.88B	11.28B	11.55B	13.13B	11.34B	14.53B	19.4B	18.44B	15.04B
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	16.66B	16.16B	16.54B	16.98B	17.15B	16.23B	17.66B	18.6B	18.85B	18.98B
Intangible Assets	2.64B	2.62B	2.46B	2.5B	2.13B	2.12B	2.3B	2.77B	3.04B	3.41B
PP&E (Net)	5.48B	5.31B	5.32B	5.51B	10.14B	9.18B	9.4B	9.43B	9.84B	10.13B
Other Assets	174.38B	257.19B	274.29B	327.2B	293.43B	308.77B	293.54B	358.69B	339.95B	419.62B
Total Current Assets	193.65B	243.25B	94.75B	88.46B	246.03B	241.53B	198.63B	172.6B	276.9B	204.11B
Total Non-Current Assets	983.32B	1.04T	1.24T	1.33T	1.47T	1.49T	1.72T	1.78T	1.78T	1.89T
Total Assets+	1.18T	1.28T	1.33T	1.42T	1.72T	1.73T	1.92T	1.96T	2.06T	2.09T
Asset Growth %	6.57%	8.67%	4.37%	6.02%	21.24%	0.75%	10.92%	1.96%	5.45%	1.59%
Return on Assets (ROA)	0.77%	0.85%	0.86%	0.85%	0.76%	0.83%	0.96%	0.55%	0.44%	0.99%
Accounts Payable	23.22B	38.33B	34.63B	30.3B	42.86B	37.21B	32.1B	43.61B	39.86B	41.04B
Total Debt+	267.19B	322.56B	358.24B	406.69B	447.37B	400.86B	502.06B	568.66B	662.56B	663.58B
Net Debt	209.57B	267.41B	322.78B	376.24B	276.78B	234.97B	356.21B	463.59B	484.54B	546.65B
Long-Term Debt	142.26B	143.23B	157.88B	169.9B	162.11B	122.2B	152.74B	178.86B	204.33B	225.33B
Short-Term Debt	124.93B	179.34B	200.36B	236.72B	279.17B	273.19B	344B	384.75B	453.22B	432.89B
Other Liabilities	99.34B	86.74B	81.65B	81.41B	89.22B	93.3B	135.33B	119.65B	103.45B	94.3B
Total Current Liabilities	860.81B	973.66B	1.02T	1.08T	1.36T	1.41T	1.51T	1.54T	1.63T	1.64T
Total Non-Current Liabilities	241.94B	230.15B	239.7B	251.56B	257.71B	221.22B	293.62B	303.76B	313.1B	325.29B
Total Liabilities	1.1T	1.2T	1.25T	1.33T	1.62T	1.63T	1.81T	1.84T	1.95T	1.97T
Total Equity+	74.21B	75.19B	80.04B	87.7B	95.5B	99.82B	111.38B	112.07B	115.16B	127.83B
Equity Growth %	10.72%	1.32%	6.45%	9.57%	8.89%	4.52%	11.59%	0.62%	2.76%	11%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	12.49%	13.92%	14.51%	13.91%	12.99%	14.64%	16.5%	9.52%	7.78%	16.9%
Book Value per Share	39.97	40.54	43.51	47.99	52.80	54.84	61.42	61.43	65.43	74.37
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	20.71B	20.93B	21.22B	21.71B	22.49B	23.07B	24.36B	25.43B	25.37B	24.73B
Additional Paid-in Capital	203M	214M	193M	157M	121M	173M	179M	155M	204M	285M
Retained Earnings	35.45B	40.49B	46.15B	49.5B	53.84B	63.94B	73.7B	73.01B	70.83B	78.32B
Accumulated OCI	11.83B	8.01B	6.64B	10.58B	13.44B	7.1B	1.99B	2.75B	7.9B	12.87B
Treasury Stock	-36M	-183M	-151M	-47M	-41M	-162M	-98M	-129M	-35M	-4M
Preferred Stock	4.4B	4.75B	5B	5.8B	5.65B	5.7B	11.25B	10.85B	10.89B	11.63B

Cash Flow

	Oct 2016	Oct 2017	Oct 2018	Oct 2019	Oct 2020	Oct 2021	Oct 2022	Oct 2023	Oct 2024	Oct 2025
Cash from Operations+	37.4B	26.13B	5.69B	830M	229.61B	50.13B	38.95B	-65.3B	54.94B	-69.65B
Operating CF Growth %	6.03%	-30.14%	-78.21%	-85.42%	27563.49%	-78.17%	-22.3%	-267.66%	184.13%	-226.77%
Net Income	11.08B	12.77B	14.52B	11.69B	11.89B	14.3B	17.43B	10.63B	8.84B	20.54B
Depreciation & Amortization	1.34B	1.31B	1.39B	1.41B	2.14B	2.07B	1.77B	1.91B	2.03B	2.17B
Deferred Taxes	103M	175M	385M	-33M	-1.06B	258M	502M	-1.31B	-1.06B	-764M
Other Non-Cash Items	1.84B	1.44B	1.63B	1.76B	4.58B	-1.02B	-981M	2.12B	2.89B	-3.01B
Working Capital Changes	23.04B	10.44B	-12.22B	-13.99B	212.06B	34.53B	20.23B	-78.66B	42.24B	-88.58B
Cash from Investing+	-36.45B	-18.93B	1.55B	4.95B	-223.32B	-45.27B	-31.89B	76.23B	-45.42B	86.19B
Purchase of Investments	-73.39B	-83.62B	-71.93B	-76.1B	-197.27B	-174.95B	-180.69B	-51.32B	-53.85B	-130.62B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	-2.13B	0	-540M	0	-1.86B	2.48B	-624M	3.42B	20.78B
Other Investing	-11.23B	2.53B	20.46B	5.17B	-138.27B	-729M	30.45B	41.45B	-71.15B	61.59B
Cash from Financing+	-247M	-7.04B	-6.53B	-5.65B	-4.75B	-5.04B	-4.82B	-12.85B	-9.81B	-15.5B
Dividends Paid	-3.81B	-4.21B	-4.63B	-5.16B	-3.66B	-5.55B	-6.67B	-5.83B	-7.16B	-7.66B
Share Repurchases	-6.37B	-11.23B	-10.43B	-12.17B	-9.88B	-11.06B	-14.3B	-13.23B	-17.13B	-20.84B
Stock Issued	6.08B	9.83B	8.58B	10.12B	8.92B	11.09B	11.28B	8.57B	12.05B	14.84B
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	-1000K	-1000K	1000K	-1000K	-1000K	-1000K	-1000K	1000K	-1000K
Other Financing	-115M	-738M	-72M	-1.01B	0	0	1B	400M	1.3B	0
Net Change in Cash+	753M	64M	764M	128M	1.58B	-514M	2.63B	-1.83B	-284M	1.07B
Exchange Rate Effect	1000K	-1000K	1000K	1000K	1000K	-1000K	1000K	1000K	1000K	1000K
Cash at Beginning	3.15B	3.91B	3.97B	4.74B	4.86B	6.45B	5.93B	8.56B	6.72B	6.44B
Cash at End	3.91B	3.97B	4.74B	4.86B	6.45B	5.93B	8.56B	6.72B	6.44B	7.51B
Interest Paid	6.56B	8.96B	13.89B	18.01B	11.59B	5.88B	12.52B	48.18B	61.78B	55.47B
Income Taxes Paid	1.18B	2.87B	3.54B	3.59B	2.29B	4.07B	4.4B	3.04B	3.81B	4.33B
Free Cash Flow+	36.6B	25.69B	5.11B	-555M	228.35B	49B	37.49B	-67.15B	52.76B	-71.79B
FCF Growth %	6.71%	-29.81%	-80.13%	-110.87%	41243.42%	-78.54%	-23.48%	-279.08%	178.57%	-236.07%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	12.49%	13.92%	14.51%	13.91%	12.99%	14.64%	16.5%	9.52%	7.78%	16.9%
Return on Assets (ROA)	0.77%	0.85%	0.86%	0.85%	0.76%	0.83%	0.96%	0.55%	0.44%	0.99%
Net Interest Margin	1.69%	1.63%	1.67%	1.68%	1.43%	1.4%	1.43%	1.53%	1.48%	1.58%
Efficiency Ratio	51.73%	47.53%	42.26%	41.58%	44.17%	53.14%	39.16%	34.07%	33.96%	28.34%
Equity / Assets	6.31%	5.88%	6%	6.2%	5.57%	5.77%	5.81%	5.73%	5.59%	6.1%
Book Value / Share	39.97	40.54	43.51	47.99	52.8	54.84	61.42	61.43	65.43	74.37
NII Growth	6.4%	4.64%	6.68%	7.11%	2.84%	-1.49%	13.35%	9.47%	1.76%	8.5%
Dividend Payout	43.17%	40.51%	41.15%	44.2%	30.77%	38.85%	38.24%	54.78%	80.98%	37.31%

The Toronto-Dominion Bank (TD) 10-Year Financial Performance & Capital Metrics

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Price & Volume

Growth Metrics

Revenue CAGR

Profit (Net Income) CAGR

EPS CAGR

ROCE

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Dividend History

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Revenue History

Financial Ratios

The Toronto-Dominion Bank (TD) 10-Year Financial Performance & Capital Metrics

Key Insights

✓Strengths

✗Weaknesses

Price & Volume

Growth Metrics

Revenue CAGR

Profit (Net Income) CAGR

EPS CAGR

ROCE

Peer Comparison

Compare TD vs Peers

vs JPM

vs BAC

Compare Top 5

Profit & Loss

Balance Sheet

Cash Flow

Banking Ratios

Deep Dive Analysis

Valuation Overview

Total Return Calculator

Dividend History

Earnings History

Price History

Revenue History

Financial Ratios