The Toronto-Dominion BankTD -0.59%73 FCF Margin % is 60.48% as of Apr. 2026, which is 21% below its 10-year median of 76.81. GuruFocus rates TD with a GF Score™ of 73/100 and a GF Value™ of $76.52 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,505 Banks companies, The Toronto-Dominion Bank ranks worse than 79% on this metric.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Diversified subindustry, The Toronto-Dominion Bank's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
The Toronto-Dominion Bank FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, The Toronto-Dominion Bank's FCF Margin % distribution charts can be found below:
* The bar in red indicates where The Toronto-Dominion Bank's FCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
The Toronto-Dominion Bank (TD) has a FCF Margin % of 60.48% as of Apr. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on The Toronto-Dominion Bank and its competitors. This is 21% below median its historical median of 76.81. According to the industry distribution chart, The Toronto-Dominion Bank ranks #1189 out of 1505 companies in the Banks industry, placing it in the top 79%.
Is The Toronto-Dominion Bank's FCF Margin % too high?
The Toronto-Dominion Bank's current FCF Margin % of 60.48% is 21% below median its 10-year median of 76.81. The Banks industry median FCF Margin % is 26.42. The Toronto-Dominion Bank's value of 60.48% is 128.9% above this industry median. Based on the distribution chart, The Toronto-Dominion Bank ranks #1189 out of 1505 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, The Toronto-Dominion Bank has a GF Score™ of 73/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does The Toronto-Dominion Bank's FCF Margin % compare to JPM and BAC?
According to the Banks industry distribution chart, The Toronto-Dominion Bank ranks #1189 out of 1505 companies for FCF Margin %. This places The Toronto-Dominion Bank in the lower half of its industry. The industry median FCF Margin % is 26.42. The Toronto-Dominion Bank's value of 60.48% is 128.9% above this benchmark. While the company's 10-year median is 76.81 vs. the industry median of 26.42, The Toronto-Dominion Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The Toronto-Dominion Bank's current FCF Margin % of 60.48% is 128.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on The Toronto-Dominion Bank and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Toronto-Dominion Bank's current FCF Margin % is 60.48%, which is 21% below median its own 10-year median of 76.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The Toronto-Dominion Bank stock overvalued right now?
Based on GuruFocus' analysis, The Toronto-Dominion Bank (TD) is currently considered Significantly Overvalued. The stock's GF Value™ is $76.52, compared to a current price of $118.79 — trading 55.2% above its estimated fair value. The current FCF Margin % is 60.48%, which is 21% below median its 10-year median of 76.81 and 128.9% above the Banks industry median of 26.42. The Toronto-Dominion Bank's overall GF Score™ is 73/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For The Toronto-Dominion Bank (TD), the current FCF Margin % is 60.48% as of Apr. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is The Toronto-Dominion Bank (TD) Overvalued in 2026?
Based on GuruFocus' analysis, The Toronto-Dominion Bank stock appears to be overvalued.
The current stock price of $118.79 is trading 55.2% above its estimated GF Value™ of $76.52.
GuruFocus considers The Toronto-Dominion Bank to be Significantly Overvalued.
Key valuation signals for TD:
FCF Margin %: 60.48% (21% below median its 10-year median of 76.81)
GF Value™: $76.52 vs. price of $118.79 (55.2% above fair value)
Industry Position: 128.9% above the Banks median (#1189 of 1505)
No single metric tells the full story. See the TD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Toronto-Dominion is one of Canada's two largest banks with over CAD 2 trillion in assets by the end of April 2026. TD Bank operates four business segments: Canadian personal and commercial banking, US retail banking, wealth management and insurance, and wholesale banking. The bank derives more than 50% of its revenue from Canada and has dominant market shares in nearly all banking products and services. TD has around 44% of its revenue from its US operations. Its US footprint spans from Maine to Florida, with a strong presence in the Northeast.
73GF Score
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