TD · NYSE · STOCK
The Toronto-Dominion Bank
$121.38
52W $72.73 – $124.87
61/100
$205.05B
19.9
0.87
Is TD Bullish or Bearish?
Bullish.
Innellis AI committee rates The Toronto-Dominion Bank (TD) Buy with a composite score of 61/100
, based on 6 analysts with 50% agreement.
Last updated August 11, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +14.17 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -5.83 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
Bull & Bear Case
Bull Case
- Dividend yield of 2.6% pays you to wait — Value
- Revenue growing 116.1% YoY -- genuine top-line momentum — Growth
- Price structure making higher highs and higher lows — Technical
- Trend and market structure agree -- coherent bullish picture — Technical
- Weekly trend (uptrend) confirms the daily trend -- multi-timeframe agreement — Technical
- VIX regime is low -- calm backdrop supports risk-taking — Macro
Bear Case
- Debt-to-equity of 2.20 adds balance-sheet risk to the value case — Value
- EPS declining -11.4% YoY despite any revenue growth — Growth
- MACD histogram negative -- bearish momentum — Technical
- High leverage (debt-to-equity 2.20) amplifies downside in a stress scenario — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 11, 2026
Overall Committee Score
61/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 67%
of 209 Financial Services peers
Value Analyst
neutral
50
/ 100 · Moderate confidence
Fair value -- neither a bargain nor obviously overpriced
+ Dividend yield of 2.6% pays you to wait
− Debt-to-equity of 2.20 adds balance-sheet risk to the value case
Growth Analyst
neutral
52
/ 100 · Moderate confidence
Moderate growth -- present but not remarkable
+ Revenue growing 116.1% YoY -- genuine top-line momentum
− EPS declining -11.4% YoY despite any revenue growth
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Risk Analyst
neutral
50
/ 100 · Moderate confidence
Moderate risk -- no single red flag, but nothing that clearly de-risks the position either
− High leverage (debt-to-equity 2.20) amplifies downside in a stress scenario
Macro Analyst
bullish
78
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
bullish
74
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.50 across 2 articles, 14d)
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 2 existing position pair(s) are highly correlated already
Technical Analysis
RSI (14)
55.9
Neutral
MACD Histogram
-0.041
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Bollinger %B
0.58
Inside Bands
Price vs Moving Averages
EMA 9
$120.83
Above
EMA 21
$120.47
Above
EMA 50
$118.03
Above
EMA 200
$102.82
Above
Fundamental Analysis
Valuation
90
Profitability
60
Financial Health
0
Cash Flow
70
Valuation
P/E Ratio
19.9×
P/B Ratio
2.26×
PEG Ratio
-1.66
Dividend Yield
2.56%
52W High
$124.87
52W Low
$72.73
Quality & Growth
ROE
1606.7%
ROA
98.0%
Gross Margin
5295.6%
Operating Margin
1642.1%
Revenue Growth YoY
—
Debt / Equity
5.57
AI Fundamental Assessment
[reduced confidence: limited earnings history] P/E ratio of 19.9 (inexpensive relative to a 15-40x range); Price-to-book of 2.3x; PEG ratio of -1.7 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 16.1%; Return on assets of 1.0%; Net margin of 13.2%; Gross margin of 53.0%; Current ratio of 0.28 (tight short-term liquidity); Debt-to-equity of 5.57; Free cash flow per share is positive (7.82); Earnings-history trend unavailable; growth based on TTM year-over-year only.
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