TD vs UBS
TD and UBS are presented on this page in a neutral comparison of business models, financial performance, and market context. It outlines strategy, operations, risk approach, and regional dynamics to help readers understand how these institutions differ in focus and execution. Educational content, not financial advice.
TD and UBS are presented on this page in a neutral comparison of business models, financial performance, and market context. It outlines strategy, operations, risk approach, and regional dynamics to h...
Why It's Moving
TD Bank surges on earnings beat and analyst upgrades signaling resilient growth amid banking rally.
- Q4 earnings crushed forecasts at C$2.18 EPS, underscoring robust performance across Canadian and U.S. retail segments despite macro headwinds.
- Bank of America hiked price target to C$132 on December 5, implying 8% upside and reflecting optimism on TD's operational streamlining.
- Stock jumped C$1.90 to C$121.99 with elevated volume, extending a 4.9% weekly gain amid sector rotation into undervalued banks.
UBS Surges on Reports of Potential $24 Billion Capital Relief Boost
- Switzerland reconsidering capital plans could grant UBS a massive $24B break, enhancing financial flexibility and profitability outlook.
- Stock rallied 4.4% on the Friday session, reflecting market optimism about lighter regulatory burdens.
- Broader financial sector gained late in the day, with UBS riding the wave of positive sentiment on eased capital constraints.
TD Bank surges on earnings beat and analyst upgrades signaling resilient growth amid banking rally.
- Q4 earnings crushed forecasts at C$2.18 EPS, underscoring robust performance across Canadian and U.S. retail segments despite macro headwinds.
- Bank of America hiked price target to C$132 on December 5, implying 8% upside and reflecting optimism on TD's operational streamlining.
- Stock jumped C$1.90 to C$121.99 with elevated volume, extending a 4.9% weekly gain amid sector rotation into undervalued banks.
UBS Surges on Reports of Potential $24 Billion Capital Relief Boost
- Switzerland reconsidering capital plans could grant UBS a massive $24B break, enhancing financial flexibility and profitability outlook.
- Stock rallied 4.4% on the Friday session, reflecting market optimism about lighter regulatory burdens.
- Broader financial sector gained late in the day, with UBS riding the wave of positive sentiment on eased capital constraints.
Which Baskets Do They Appear In?
Banking On Shareholder Returns
Bank of America's new $40 billion stock buyback program highlights a broader trend of major financial institutions returning capital to shareholders. This theme identifies other large banks that may follow suit, offering similar buyback or dividend-based value.
Published: July 24, 2025
Explore BasketWhich Baskets Do They Appear In?
Banking On Shareholder Returns
Bank of America's new $40 billion stock buyback program highlights a broader trend of major financial institutions returning capital to shareholders. This theme identifies other large banks that may follow suit, offering similar buyback or dividend-based value.
Published: July 24, 2025
Explore BasketInvestment Analysis
TD
TD
Pros
- TD Bank has delivered strong recent stock performance, with a 51.6% surge in 2025 and a 48.2% return year-to-date, outperforming much of the financial sector.
- The bank is considered undervalued by several key financial metrics, indicating potential investment value despite recent gains.
- TD is projected to experience moderate loan growth around 3.5% annually and net interest income growth of approximately 3.2%, supporting steady profitability.
Considerations
- TD faces increased anti-money laundering compliance costs in 2025, which may constrain profit growth and operational efficiency.
- Forecasts indicate a possible short-term price decline of around 2.5% by end of 2025, with near-term stock sentiment currently neutral to bearish.
- The bank's future earnings growth appears modest, with analysts predicting only low single-digit EPS increases in coming years, potentially limiting upside.
UBS
UBS
Pros
- UBS Group AG has a large and diversified portfolio with over 10,000 holdings, enhancing its global investment footprint and revenue streams.
- The company maintains a relatively lower beta of 0.92, suggesting somewhat lower stock price volatility compared to peers including TD.
- UBS wins in more valuation and enterprise metrics categories in direct comparison with TD, indicating a favorable financial positioning on select measures.
Considerations
- UBS’s price-to-earnings ratio is significantly higher than TD’s, implying the stock may be more expensively valued and potentially less attractive on price multiples.
- Enterprise value metrics suggest UBS’s valuation relative to revenue is substantially higher, potentially indicating less sensitivity to earnings growth.
- UBS appears weaker in the majority of operating and profitability metrics compared to TD, possibly reflecting lower efficiency or competitive pressure.
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