TD Earnings Prediction
The chart below shows how TD performed 10 days before and after its earnings report, based on data from the past quarters. Typically, TD sees a +2.11% change in stock price 10 days leading up to the earnings, and a -0.99% change 10 days following the report. On the earnings day itself, the stock moves by -1.80%. This data can give you a slight idea of what to expect for the next quarter's release.
TD Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
12.40B
5.49%
18.08%
Gross Margin
--
--
--
Operating Margin
34.61%
-4.79%
-11.51%
Net Margin
22.52%
-6.24%
-34.91%
EPS
1.55
0.00%
-21.32%
No Data Available
TD Earnings Analysis
Toronto-Dominion Bank Corporation (TD.N) Earnings Conference Call
Positive
Strong Financial Performance: The bank delivered earnings of $3.6 billion and EPS of $2.02, indicating strong financial performance.
Earnings Growth Drivers: Volume growth in Canadian Personal and Commercial Banking and strong trading and fee income in markets-driven businesses contributed positively to earnings.
Strong Capitalization Ratio: The bank's CET1 ratio was 13.1%, and pro forma for the sale of the Schwab stake and the proposed share buyback, it would be approximately 14.2%, indicating strong capitalization.
Brand Value Recognition: TD was named Canada's most valuable brand by Brand Finance, reflecting strong brand equity and customer loyalty.
Strong Banking Performance: In Canadian Personal and Commercial Banking, record revenue, PTPP, deposits, and loans were achieved, showcasing robust business performance.
Customer Deposit Growth: The US retail segment saw five consecutive quarters of customer deposit growth, indicating strong customer retention and trust.
Wealth Management Growth: Wealth Management and Insurance delivered record revenue, earnings, and assets, with new accounts up 30% year-over-year, demonstrating growth in this segment.
Record Revenue Achievement: Wholesale Banking achieved record revenue driven by its global markets business, showcasing the strength of the franchise.
Digital Transformation Success: The bank's digital initiatives, including the deployment of a generative AI virtual assistant, have improved customer experience and operational efficiency.
Catastrophe Bond Innovation: TD Insurance became the first Canadian issuer to sponsor a catastrophe bond focused on Canadian perils, showcasing innovation in risk management.
Negative
Trade Risk Impact: Economic uncertainty due to tariff and trade risks, which could impact provisions and overall performance.
Rising Operational Costs: Increased expenses of 12% year-over-year, driven by governance and control investments and higher PCLs, indicating rising operational costs.
Credit Loss Provisions Increase: Higher provisions for credit losses (PCLs) increased by 3 basis points quarter-over-quarter, reflecting concerns in Canadian personal and commercial banking and US commercial sectors.
Rising Credit Risk: Gross impaired loans increased by $504 million quarter-over-quarter, indicating a rise in credit risk across consumer and business lending portfolios.
Corporate Net Loss Challenges: The corporate net loss for the quarter was $266 million, highlighting challenges in the corporate segment.
Credit Losses Increase: The bank's allowance for credit losses increased by $457 million quarter-over-quarter, primarily due to foreign exchange impacts and credit migration, suggesting heightened risk in the lending environment.
TD FAQs
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TD Earning Call Sentiment
The Toronto-Dominion Bank (TD) Q1 2025 Earnings Call Transcript
TD.N
-0.58%Positive
The earnings call shows mixed signals: strong revenue growth and a share buyback program are positive, but increased expenses and credit losses raise concerns. The Q&A reveals management's comfort with guidance, but the lack of specific NIM guidance and economic uncertainties temper enthusiasm. The flat earnings and EPS, combined with economic and operational risks, suggest a neutral stock price movement.
