TD · Verdict

A summary of rules, not a profit forecast — don’t buy just because of a green verdict.

• ▼ P/E 18.5 vs peer median 13.0 — more expensive than peers
• ▼ P/S 4.7 vs peer median 3.9 — more expensive than peers
• ▲ Forward P/E 15.6 is below the current one — earnings growth expected

• ▼ Net margin fell: 38.1% → 33.5%
• ▼ Debt / equity 3.46 — heavy debt load
• ▼ Free cash flow often negative

• ▲ Revenue grows 10.2% per year (3 y)
• ▲ Analysts raised the earnings forecast by +4.6% in 90 days

• ▲ Over 6 mo stronger than its sector (XLF) by 7%
• ▲ Price above SMA200 — long-term uptrend
• ▲ SMA50 above SMA200 — trend up
• ▲ Over a year +52% vs S&P 500 +11% — stronger than the market

• ▲ S&P 500 above SMA200 — the market is in an uptrend
• ▲ Sector (XLF) above SMA200 — in an uptrend