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SAN (49) MUFG (58) SMFG (57) RY (62) ⌘ Pro Terminal →

Toronto Dominion Bank (TD) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$125.04 +0.43% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $124.90

Toronto Dominion Bank (TD) carries a Roarable Rating of C+ (Hold) with 66/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $203.32B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is TD stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Toronto Dominion Bank (NYSE: TD) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $125.04 (+0.43% 1D, market cap $203.32B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 17/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, TD ranks #186 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does TD compare to SAN and MUFG in the Financials sector?
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Within the Financials sector (Commercial Banks), TD carries a Roarable C+ (66/100 RQD), trailing P/E of 32.8x, gross margin of —, and ROIC of 9.9%. By comparison, SAN (Banco Santander S.A. Sponsored ADR (Spain)) holds a D grade (49/100 RQD, P/E 32.8x, ROIC 9.9%, cap $161.97B) and MUFG (Mitsubishi UFJ Financial Group Inc.) posts a D+ grade (58/100 RQD, P/E 32.8x, ROIC 9.9%, cap $255.87B). Among the 5-stock peer group, TD leads on earnings multiple (32.8x) while TD leads on capital efficiency (9.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for TD?
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For Toronto Dominion Bank (TD), key quantitative strengths include Big institutional funds and options desks are actively positioning on the bullish side and Clean SEC annual filing review with no major hidden accounting time-bombs., while primary risk factors center on Sensitive to high interest rates and tighter Federal Reserve market liquidity and implied 5-year growth hurdle of 25.3%/yr. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $124.90 (-0.11%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 15.8% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 66/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.4% avg 90D alpha vs SPY • 56.0% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C+
025507510066
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk C
Cash (12)Whales (17)SEC (15)Macro (10)CEO (12)
Each axis scored 0–20
12M PRICE TARGET CONE+3.6% Base Target
$153 Bull$130 Base$101 Bear
📬 FREE TD RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for TD)Realized 20D OHLCV Swing Band: ±3.4%
Deterministic 5-Pillar Attribution (66/100 Composite)
🔍 WHY TD SCORES 66/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Whale & Options Positioning+17/20 pts (26% of score)

20D Institutional Volume Accumulation (±3.4% realized swing band)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (23% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 8/9

▼ #1 Drag / Risk Factor: Macro Regime Fit10/20 pts (-10 pt drag)

Macro rate sensitivity & RSI-14 (55.2) create a -10 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
58
Grade C$117.63+6% Next Q
Q2 (-2Q)
61
Grade C$124.70+1.4% Next Q
Q3 (-1Q)
63
Grade C+$126.46-1.1% Next Q
Current
66
Grade C+$125.04+1.4% Hist 90D α
Trajectory: C (58) → C+ (66)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the TD Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 66/100 (C+) score, TD faces multiple-compression risk if 32.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($120.99) or 200D SMA ($111.07) invalidates the momentum regime and cuts Target Base ($129.54) toward Bear Floor ($101.04).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $TD• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “TD Beats Next Quarter EPS Consensus (Upcoming Quarter) & Holds Above 200D SMA”
YES 66%NO 34%Trade / Inspect Odds →
VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • Trailing 12 Months

How TD Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$4.49B (15.8% FCF Margin)
Revenue$28.47BGross Profit $14.80B (52%)Cost of Sales $13.66BOp Profit $3.96B (13.9%)OpEx (R&D/SG&A) $10.85BNet Profit$3.10B (10.9%)Tax/Other $854.0M
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring TD)

  • ✓Walkthrough of TD's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
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TD // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +17.68%📐 HORIZONTAL RANGE
2026-11-03O $127.2H $127.2L $124.5C $125.0VOL 1.31M
RES: $128.4SUP: $111.3SMA50: $121.0SMA200: $111.1
$130.8$119.0$107.3$95.54$83.78RES $128.4SUP $111.3$125.02026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

TD Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 TD Butterfly Map → + Track TD →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
25.3%/yr Implied 5Y Growth

vs. +20.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on TD today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for TD. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for TD today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (TD)

Financials Rank #186 of 1097 ⚔️ SAN vs TD Full Matrix →

1. Head-to-Head Financials Peer Comparison (TD vs. SAN, MUFG, SMFG, RY)

Industry: Commercial Banks (34 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Toronto Dominion Bank (TD) ranks #186 by composite RQD confidence (66/100, grade C+) and #14 by equity capitalization ($203.32B). Within this direct 5-issuer industry benchmark cohort, TD leads on earnings valuation at 32.8x trailing P/E, while TD leads on capital efficiency and profitability with 9.9% ROIC and — gross margin. TD currently leads its immediate peer cohort in composite quantitative strength at 66/100 (C+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
TD ACTIVE
Toronto Dominion Bank
C+ 66/100 32.8x — 9.9% +0.43% $203.32B Benchmark Subject
SAN
Banco Santander S.A. Sponsored ADR (Spain)
D 49/100 32.8x — 9.9% +2.41% $161.97B /san-vs-td →
MUFG
Mitsubishi UFJ Financial Group Inc.
D+ 58/100 32.8x — 9.9% -0.51% $255.87B /mufg-vs-td →
SMFG
Sumitomo Mitsui Financial Group Inc Unsponsored American
D+ 57/100 32.8x — 9.9% -0.78% $154.44B /smfg-vs-td →
RY
Royal Bank Of Canada
C 62/100 32.8x — 9.9% +0.78% $281.01B /ry-vs-td →

2. TD Fundamental Profitability, Capital Efficiency & Balance-Sheet Forensics

TRAILING 12M & FORWARD QUANTITATIVE SNAPSHOT

Toronto Dominion Bank (TD) operates in Commercial Banks (Financials) with an equity capitalization of $203.32B, trailing P/E of 32.8x, forward P/E of 27.6x, and EV/EBITDA of 21.0x. Operating profitability registers a gross margin of —, operating margin of 13.9%, net profit margin of 10.9%, ROIC of 9.9%, and free cash flow yield of 2.21%, alongside an Altman Z-Score of N/A and Piotroski F-Score of 8/9.

3. TD Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is TD stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Toronto Dominion Bank (NYSE: TD) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $125.04 (+0.43% 1D, market cap $203.32B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 17/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 12/20. Across 1097 tracked Financials issuers, TD ranks #186 in composite RQD confidence.

How does TD compare to SAN and MUFG in the Financials sector?

Within the Financials sector (Commercial Banks), TD carries a Roarable C+ (66/100 RQD), trailing P/E of 32.8x, gross margin of —, and ROIC of 9.9%. By comparison, SAN (Banco Santander S.A. Sponsored ADR (Spain)) holds a D grade (49/100 RQD, P/E 32.8x, ROIC 9.9%, cap $161.97B) and MUFG (Mitsubishi UFJ Financial Group Inc.) posts a D+ grade (58/100 RQD, P/E 32.8x, ROIC 9.9%, cap $255.87B). Among the 5-stock peer group, TD leads on earnings multiple (32.8x) while TD leads on capital efficiency (9.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for TD?

For Toronto Dominion Bank (TD), key quantitative strengths include Big institutional funds and options desks are actively positioning on the bullish side and Clean SEC annual filing review with no major hidden accounting time-bombs., while primary risk factors center on Sensitive to high interest rates and tighter Federal Reserve market liquidity and implied 5-year growth hurdle of 25.3%/yr. Institutional options positioning shows a 50% call / 50% put premium split.

Where is TD trading relative to its 50-day, 200-day, and 52-week technical levels?

TD last traded at $125.04 (+0.43% on volume of 1,056,473 shares), positioning the stock +3.35% above its 50-day simple moving average ($120.99) and +12.58% above its 200-day simple moving average ($111.07). Across its 52-week range of $79.52 to $127.96, TD sits at the 94.0% percentile with a 14-day RSI of 55.2 (BULLISH MOMENTUM) and an implied next-earnings move of ±3.4% ($120.79 to $129.29).

Direct Sub-Reports: TD RQD Cockpit TD 12M Forecast TD Earnings & Move TD Dividends & DRIP TD Insiders & 13F TD Whale Options TD Profit Sankey TD News & Why
ROARABLE RATING BRIEF • RQD 66/100 (C+) ✓ SEC XBRL & RQD VERIFIED

TD — Toronto Dominion Bank: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2026-11-03

1. Roarable Rating Brief: What This Means to a Prospective Investor

Toronto Dominion Bank (TD) earns a live Roarable RQD composite score of 66/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $125.04 (+0.43% 1D, market capitalization $203.32B).

  • Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 9.9%, gross margin of —, operating margin of 13.9%, and free cash flow yield of 2.21%.
  • Whale 13F & Options Flow (17/20) + Insider Conviction (12/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (10/20) + Forensic Balance Sheet (15/20): Incorporates a 1.12x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 8/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

(TD) is a NYSE-listed issuer in the Financials sector, operating in the Commercial Banks industry..8B. — for product mix, customer segments, or revenue sources.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C+ • RQD 66/100): Big institutional funds and options desks are actively positioning on the bullish side. Clean SEC annual filing review with no major hidden accounting time-bombs. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 17/20, sustained execution supports upside toward the upper end of the $79.52 – $127.96 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 32.8x trailing P/E and 21.0x EV/EBITDA against 13.9% operating margins and a 1.12x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

A prospective investor should note that the absence of mapped links means this analysis cannot identify specific ripple effects from the graph itself.

  • Key Question #1: Can TD sustain or expand its 13.9% operating margin and 9.9% ROIC against Commercial Banks peers over the next 4 quarters?
  • Key Question #2: Will free cash flow conversion (2.21% FCF yield) strengthen balance-sheet liquidity (Altman Z-Score N/A) toward the $127.96 52-week high?
  • Key Question #3: How sensitive is TD's 27.6x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.12x)?

TD Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Toronto Dominion Bank (TD) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to TD Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

TD Bull vs. Bear Conversation Board — What's Your Call at $125.04?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON TD 🐻 33% BEARISH CONVICTION
1. Pick Your Side on TD:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
CA CashFlowKing RQD DEBATE OPENER • FCF Compounder Hunter 🐂 BULLISH 🎯 Target: $156.87 (+26.0%)
📌 Pinned Debate

Institutional accumulation and options positioning (17/20 Whale 13F Flow) plus a regulatory-approved share buyback program support the

Long TD at $124.50 targeting $156.87. Institutional accumulation and options positioning (17/20 Whale 13F Flow) plus a regulatory-approved share buyback program support the stock despite a stretched valuation.. Institutional whale score is 17/20 and the risk/reward vs. the $79.52 52-week low is skewed heavily in favor of bulls.

CapAlloc_Nerd 🐂 BULL

@RedlineAuditor Fair point on 32.8x trailing P/E, but you're ignoring the forward operating leverage in Commercial Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

RE RedlineAuditor RQD DEBATE OPENER • Accounting Quality Watch 🐻 BEARISH 🎯 Target: $97.11 (-22.0%)
Spot @ $124.50

A trailing P/E of 32.8 and a 2.21% FCF yield leave little valuation cushion, and a RED-flagged valuation downgrade is already in the ne

Here is the bear case nobody on the bull side wants to address on TD: A trailing P/E of 32.8 and a 2.21% FCF yield leave little valuation cushion, and a RED-flagged valuation downgrade is already in the news flow.. At 32.8x trailing P/E, even a small guidance miss in Commercial Banks triggers a 12-15% air pocket.

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