TD (The Toronto-Dominion Bank) Moat Score: 8/10 (As of Jun. 29, 2026)


TD The Toronto-Dominion Bank TD
73 GF Score
Price $120.33
GF Value $76.49
Valuation Significantly Overvalued
! 8 Warning Signs
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What is The Toronto-Dominion Bank Moat Score?

The Toronto-Dominion Bank TD +0.59% 73 Moat Score is 8 as of Jun. 29, 2026. GuruFocus rates TD with a GF Score™ of 73/100 and a GF Value™ of $76.49 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,614 Banks companies, The Toronto-Dominion Bank ranks better than 99.94% on this metric.

The Toronto-Dominion Bank has the Moat Score of 8, which implies that the company might have Wide Moat - Clear and robust wide moat.

The Toronto-Dominion Bank has Wide Moat: The Toronto-Dominion Bank has a clear and robust wide moat due to its strong brand, significant market share in Canada, customer loyalty, and durable cost advantages from economies of scale. It also benefits from regulatory barriers.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes The Toronto-Dominion Bank might have Wide Moat - Clear and robust wide moat.

The Toronto-Dominion Bank  (NYSE:TD) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

The Toronto-Dominion Bank Moat Score Related Terms

TD vs JPM, BAC, WFC: Moat Score Comparison

For the Banks - Diversified subindustry, The Toronto-Dominion Bank's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, The Toronto-Dominion Bank's Moat Score distribution charts can be found below:

* The bar in red indicates where The Toronto-Dominion Bank's Moat Score falls into.


TD
73GF Score
The Toronto-Dominion Bank TD
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 8 mean?
The Toronto-Dominion Bank (TD) has a Moat Score of 8 as of Jun. 29, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, The Toronto-Dominion Bank ranks #1 out of 1614 companies in the Banks industry, placing it in the top 0.099999999999994%.
Is The Toronto-Dominion Bank's Moat Score too high?
The Toronto-Dominion Bank's current Moat Score is 8. Based on the distribution chart, The Toronto-Dominion Bank ranks #1 out of 1614 companies in the Banks industry, which is in the top quartile — a strong position 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 Moat Score compare to JPM and BAC?
According to the Banks industry distribution chart, The Toronto-Dominion Bank ranks #1 out of 1614 companies for Moat Score. This places The Toronto-Dominion Bank in the top 0% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. The Toronto-Dominion Bank's current Moat Score is 8. 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 $76.49, compared to a current price of $120.33 — trading 57.3% above its estimated fair value. The current Moat Score is 8. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For The Toronto-Dominion Bank (TD), the current Moat Score is 8 as of Jun. 29, 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 $120.33 is trading 57.3% above its estimated GF Value™ of $76.49. GuruFocus considers The Toronto-Dominion Bank to be Significantly Overvalued.

Key valuation signals for TD:

  • Moat Score: 8
  • GF Value™: $76.49 vs. price of $120.33 (57.3% above fair value)
  • GF Score™: 73/100 with 8 warning signs

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.

The Toronto-Dominion Bank Business Description

Address Toronto-Dominion Centre, P.O. Box 1, Toronto, ON, CAN, M5K 1A2
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$120.33
Price
$76.49
GF Value