Analyzing CaixaBank (OTCMKTS:CAIXY) and Toronto Dominion Bank (NYSE:TD)

CaixaBank (OTCMKTS:CAIXY) and Toronto Dominion Bank (NYSE:TD) are both large-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their analyst recommendations, institutional ownership, valuation, profitability, dividends, risk and earnings.

Risk & Volatility

CaixaBank has a beta of 0.28, meaning that its stock price is 72% less volatile than the S&P 500. Comparatively, Toronto Dominion Bank has a beta of 0.79, meaning that its stock price is 21% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current ratings and target prices for CaixaBank and Toronto Dominion Bank, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
CaixaBank	1	3	1	0	2.00
Toronto Dominion Bank	1	3	5	0	2.44

Toronto Dominion Bank has a consensus price target of $93.00, suggesting a potential upside of 14.96%. Given Toronto Dominion Bank’s stronger consensus rating and higher probable upside, analysts plainly believe Toronto Dominion Bank is more favorable than CaixaBank.

Earnings & Valuation

This table compares CaixaBank and Toronto Dominion Bank”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
CaixaBank	$24.18 billion	3.18	$6.26 billion	N/A	N/A
Toronto Dominion Bank	$60.13 billion	2.28	$6.50 billion	$8.56	9.45

Toronto Dominion Bank has higher revenue and earnings than CaixaBank.

Dividends

CaixaBank pays an annual dividend of $0.07 per share and has a dividend yield of 1.9%. Toronto Dominion Bank pays an annual dividend of $3.01 per share and has a dividend yield of 3.7%. Toronto Dominion Bank pays out 35.2% of its earnings in the form of a dividend. Toronto Dominion Bank has raised its dividend for 12 consecutive years. Toronto Dominion Bank is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Profitability

This table compares CaixaBank and Toronto Dominion Bank’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
CaixaBank	N/A	N/A	N/A
Toronto Dominion Bank	16.40%	13.59%	0.73%

Insider & Institutional Ownership

52.4% of Toronto Dominion Bank shares are owned by institutional investors. 0.1% of Toronto Dominion Bank shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Summary

Toronto Dominion Bank beats CaixaBank on 13 of the 15 factors compared between the two stocks.

About CaixaBank

CaixaBank, S.A., together with its subsidiaries, provides various banking products and financial services in Spain and internationally. The company operates through Banking and Insurance, Equity Investments, and BPI segments. It also provides solutions related to security, protection, internationalization, and financing; traditional financial advice, independent advice, and broker services; asset management; liquidity management; capital markets, cash management, project finance, asset finance, and M&A services; and various financial services and solutions to public and private sector institutions, as well as distributes non-life and life risk insurance policies; and private banking services. In addition, the company is involved in the real estate business. It has branches and ATMs in Spain; and branches and ATMs in Portugal. CaixaBank, S.A. was founded in 1904 and is based in Valencia, Spain.

About Toronto Dominion Bank

The Toronto-Dominion Bank, together with its subsidiaries, provides various financial products and services in Canada, the United States, and internationally. It operates through four segments: Canadian Personal and Commercial Banking, U.S. Retail, Wealth Management and Insurance, and Wholesale Banking. The company offers personal deposits, such as chequing, savings, and investment products; financing, investment, cash management, international trade, and day-to-day banking services to businesses; and financing options to customers at point of sale for automotive and recreational vehicle purchases. It also provides credit cards and payments; real estate secured lending, auto finance, and consumer lending services; point-of-sale payment solutions for large and small businesses; wealth and asset management products, and advice to retail and institutional clients through direct investing, advice-based, and asset management businesses; and property and casualty insurance, as well as life and health insurance products. The company also provides capital markets, and corporate and investment banking products and services, including underwriting and distribution of new debt and equity issues; advice on strategic acquisitions and divestitures; and trading, funding, and investment services to corporations, governments, and institutions. It offers its products and services under the TD Bank and America's Most Convenient Bank brand names. The Toronto-Dominion Bank was founded in 1855 and is headquartered in Toronto, Canada.