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Oct 31, 2025
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TD Q4 2025 Earnings Report
TD reported strong Q4 2025 results with robust earnings growth driven by solid performances in both Canadian and U.S. retail segments.
Key Takeaways
TD Bank delivered solid Q4 results, with adjusted net income reaching $3.91B and revenues of $15.49B. Strong contributions from core retail banking segments and stable credit quality supported performance.
Adjusted net income for the quarter reached 3910000000 CAD
Revenue totaled 15494000000 CAD in Q4 2025
Provision for credit losses remained stable at 982000000 CAD
Return on equity (adjusted) was strong at 12.8%
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
TD expects continued stability across core banking segments, supported by strong capital levels and resilient credit performance, but remains cautious about macroeconomic uncertainty and expenses.
Positive Outlook
- Strong capital position with CET1 at 14.7%
- Continued loan growth in Canadian and U.S. segments
- Improved efficiency in operations
- Stable credit quality with low impaired loan ratio
- Adjusted earnings growth supported by diversified segments
Challenges Ahead
- Higher restructuring charges impacted reported results
- Continued macroeconomic uncertainty in U.S. and global markets
- Potential headwinds from rate environment changes
- Slower wealth management growth due to market volatility
Historical Earnings Impact
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Avg. Return Before/After Earnings
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