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Jan 31
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TD Q1 2026 Earnings Report
TD reported higher earnings and revenue in the first quarter of 2026 with improved profitability and strong capital levels.
Key Takeaways
TD delivered reported net income of 4043000000 and adjusted net income of 4216000000 for Q1 2026, with total reported revenue of 16585000000. Diluted EPS was 2.34 and adjusted diluted EPS was 2.44. Return on common equity was 13.6% and the CET1 ratio stood at 14.5%.
Reported net income increased to 4043000000 in Q1 2026.
Total reported revenue was 16585000000 for the quarter.
Adjusted net income reached 4216000000.
CET1 ratio remained strong at 14.5%.
Revenue by Segment
Forward Guidance
TD highlighted continued investments in efficiency initiatives and governance while expecting restructuring savings to support earnings going forward.
Positive Outlook
- Restructuring program expected to generate approximately 775000000 in annual pre-tax savings.
- Strong capital position with CET1 ratio of 14.5%.
- Momentum in Canadian Personal and Commercial Banking.
- Improved adjusted return on equity year-over-year.
- Volume growth and margin expansion in core businesses.
Challenges Ahead
- Restructuring charges of 200000000 recorded in Q1 2026.
- Higher non-interest expenses year-over-year.
- Ongoing governance and control investments.
- Exposure to credit cycle risk reflected in 1039000000 PCL.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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