TD Bank (TD) Q3 2025 Earnings Call August 28, 2025 08:30 AM ET Speaker0Good morning, everyone, and welcome to the TD Bank Group Q3 twenty twenty five Earnings Conference Call. I would now like to turn the meeting over to Ms. Brooke Hales, Head of Investor Relations. Please go ahead, Ms. Hales.Speaker1Thank you, operator. Good morning, and welcome to TD Bank Group's third quarter twenty twenty five results presentation. We will begin today's presentation with remarks from Raymond Chen, the Bank's CEO followe ...

Q3 2025 Financial Performance - Reported net income was $3.3 billion, with an EPS of $1.89[11] - Adjusted net income reached $3.9 billion, with an EPS of $2.20, a 7% year-over-year increase[11,27] - Adjusted PTPP (Pre-Tax, Pre-Provision) grew by 12.6% year-over-year[11] - The bank's total assets amounted to $2.0 trillion[11] - The CET 1 ratio stood at 14.8%[11] Strategic Actions and Business Updates - TD sold its 10.1% stake in Schwab, releasing approximately $15 billion in capital[9] - The company has an $8 billion NCIB (Normal Course Issuer Bid) underway, adjusting capital deployment[9] - TD identified $550 million to $650 million pre-tax of expected annual cost savings from the 2025 restructuring program[10] - U S Retail loans are down 7% YoY, or up 2% YoY excluding loan portfolios identified for sale or run-off[13] Digital Adoption and Sustainability - Canadian Personal & Commercial Banking digital adoption reached 66.1%, a 140 bps increase year-over-year[15] - TD Bank N A earned an "Outstanding" rating on the Community Reinvestment Act performance evaluations[18]

Toronto-Dominion Bank beats estimates on strong performance in its Canadian banking business https://t.co/TOSNF2936m ...

Company Overview - Toronto-Dominion Bank (TD) is based in Toronto and operates in the Finance sector, with a year-to-date share price change of 38.82% [3] - The bank currently pays a dividend of $0.77 per share, resulting in a dividend yield of 4.18%, which is significantly higher than the Banks - Foreign industry's yield of 2.84% and the S&P 500's yield of 1.51% [3] Dividend Performance - The current annualized dividend of TD is $3.09, reflecting a 2.2% increase from the previous year [4] - Over the past five years, TD has increased its dividend three times on a year-over-year basis, achieving an average annual increase of 5.24% [4] - The current payout ratio for TD is 53%, indicating that the bank pays out 53% of its trailing 12-month earnings per share as dividends [4] Earnings Outlook - TD is expecting earnings to expand in the current fiscal year, with the Zacks Consensus Estimate for 2025 projected at $5.75 per share, representing a year-over-year earnings growth rate of 0.17% [5] Investment Considerations - Dividends are favored by investors as they enhance stock investing profits, reduce overall portfolio risk, and offer tax advantages [5] - While high-growth firms or tech start-ups typically do not provide dividends, larger, established companies like TD are viewed as strong dividend options [6] - TD is considered a compelling investment opportunity due to its strong dividend profile and current Zacks Rank of 3 (Hold) [6]

美国银行将加拿大道明银行目标价从109加元上调至113加元。 ...

If new and exciting investment ideas like stablecoins give your stomach ulcers, then you'll probably enjoy this trio of boring old banks. If a boring bank like Commerce Bancshares isn't your speed, then how about one that just got in trouble with U.S. regulators? Toronto-Dominion Bank's U.S. operation was used to launder money for criminals. That led to a big fine, the need to revamp internal controls, and an asset cap in the U.S. market. The asset cap effectively means that TD Bank, as it is more commonly ...

TD Wealth is an integral part of the TD Bank Group, which has approximately 24 million customers worldwide, 85,000 employees and CDN $1 trillion in assets on April 30, 2015. In Canada, TD Wealth services customers through: · TD Direct Investing which provides clients access to the information, tools and support that empower them to invest for themselves with confidence. · TD Wealth Private Client Group, which provides discretionary wealth management for high net worth clients and businesses. · TD Wealth Pri ...

Group 1 - Toronto-Dominion Bank (TD) stock closed at $74.11, down 1.09% from the previous day, underperforming the S&P 500 which gained 0.02% [1] - Over the past month, TD shares increased by 3.22%, lagging behind the Finance sector's gain of 4.24% and the S&P 500's gain of 4.93% [1] Group 2 - The upcoming earnings report for Toronto-Dominion Bank is scheduled for August 28, 2025, with projected earnings per share (EPS) of $1.41, reflecting a 6% decrease from the same quarter last year [2] - For the entire year, Zacks Consensus Estimates forecast earnings of $5.71 per share and revenue of $43.92 billion, indicating changes of -0.52% and +4.65% respectively compared to the previous year [3] Group 3 - Changes in analyst estimates for Toronto-Dominion Bank are important as they reflect short-term business dynamics, with positive revisions indicating analysts' confidence in performance and profit potential [4] - The Zacks Rank system, which incorporates estimate changes, currently ranks Toronto-Dominion Bank as 2 (Buy), with a 0.32% rise in the Zacks Consensus EPS estimate over the past month [5][6] Group 4 - Toronto-Dominion Bank is trading at a Forward P/E ratio of 13.11, which is a premium compared to the industry average Forward P/E of 10.15 [7] - The PEG ratio for TD is currently 1.69, while the Banks - Foreign industry has an average PEG ratio of 0.98 [7] Group 5 - The Banks - Foreign industry, part of the Finance sector, has a Zacks Industry Rank of 12, placing it in the top 5% of over 250 industries [8]

TD Bank names John MacIntyre to lead its board of directors as the firm seeks to turn the page on several years of turmoil stemming from its US anti-money-laundering scandal https://t.co/QTJRcWeNdG ...

Group 1 - TD Bank has mandated that employees work in the office four days a week, starting with executive-level staff on October 6 and non-executive employees by November 3 [1][2][5] - The bank is preparing many locations for this transition, while some may require additional time to accommodate the change [2][5] - The emphasis on in-person work is based on findings that it enhances collaboration, decision-making, learning, and overall outcomes, as well as improving career development and company culture [5][8] Group 2 - The shift in work policy follows a trend among various companies, including banks like JPMorgan Chase and the Royal Bank of Canada, to encourage a return to in-person work after the flexible arrangements during the pandemic [8][10] - The rationale behind this movement is the belief that in-person collaboration fosters stronger workplace connections and a robust company culture [8]