The Toronto-Dominion Bank TD NYSE

The Toronto-Dominion Bank (TD) reported declining year-over-year revenue growth of -5% through 2026-01 (TTM revenue vs prior-year TTM). Net income showed exceptional earnings expansion of +147.4% YoY, reaching $4.0B in the latest quarter. The net profit margin is 14.4%, which is moderate. The company has maintained profitability in all 4 quarters. The gross margin is 51.1% (high), up 6.9pp vs the prior year. With a $174B market cap, MOAT composite score of 94/100 (strong competitive position).

Criteria proven by this page:

• GROWTH (100/100, Partial) — growth is present but not consistently above 5% across both metrics
• PAST (100/100, Pass) — proving consistent earnings. Looking at the full 31-year annual history, the company was profitable in 30 of 31 years — an excellent long-term track record
• INCOME (70/100, Partial) — the company is profitable but margin is below 15%
• MOAT (94/100, Pass) — strong gross margins and market scale prove a durable competitive advantage

Overall SharesGrow Score: 61/100 with 5/7 criteria passed.