TOAST INC-CLASS A (1TOST.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1TOST - US8887871080 - Common Stock
29.185 EUR
-1.8 (-5.79%)
We assign a fundamental rating of 6 out of 10 to 1TOST. 1TOST was compared to 58 industry peers in the Financial Services industry. 1TOST is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. 1TOST shows excellent growth, but is valued quite expensive already.
1. Profitability
1.1 Basic Checks
In the past year 1TOST was profitable.
In the past year 1TOST had a positive cash flow from operations.
1TOST had negative earnings in 4 of the past 5 years.
In multiple years 1TOST reported negative operating cash flow during the last 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 9.19%, 1TOST belongs to the top of the industry, outperforming 91.38% of the companies in the same industry.
Looking at the Return On Equity, with a value of 13.56%, 1TOST is in the better half of the industry, outperforming 67.24% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 10.36%, 1TOST is in the better half of the industry, outperforming 79.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 9.19% | ||
| ROE | 13.56% | ||
| ROIC | 10.36% |
ROA(3y)-9.13%
ROA(5y)-17.51%
ROE(3y)-14.81%
ROE(5y)-30.99%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
1TOST's Profit Margin of 4.66% is in line compared to the rest of the industry. 1TOST outperforms 48.28% of its industry peers.
1TOST's Operating Margin of 4.22% is on the low side compared to the rest of the industry. 1TOST is outperformed by 67.24% of its industry peers.
1TOST has a Gross Margin of 25.66%. This is comparable to the rest of the industry: 1TOST outperforms 41.38% of its industry peers.
1TOST's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 4.22% | ||
| PM (TTM) | 4.66% | ||
| GM | 25.66% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y9.22%
GM growth 5Y20.69%
2. Health
2.1 Basic Checks
1TOST has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
The number of shares outstanding for 1TOST has been increased compared to 1 year ago.
1TOST has more shares outstanding than it did 5 years ago.
There is no outstanding debt for 1TOST. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
1TOST has an Altman-Z score of 14.81. This indicates that 1TOST is financially healthy and has little risk of bankruptcy at the moment.
1TOST's Altman-Z score of 14.81 is amongst the best of the industry. 1TOST outperforms 96.55% of its industry peers.
1TOST has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 14.81 |
ROIC/WACC1.17
WACC8.82%
2.3 Liquidity
A Current Ratio of 2.74 indicates that 1TOST has no problem at all paying its short term obligations.
The Current ratio of 1TOST (2.74) is better than 81.03% of its industry peers.
1TOST has a Quick Ratio of 2.62. This indicates that 1TOST is financially healthy and has no problem in meeting its short term obligations.
1TOST has a better Quick ratio (2.62) than 82.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.74 | ||
| Quick Ratio | 2.62 |
3. Growth
3.1 Past
1TOST shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 386.67%, which is quite impressive.
1TOST shows a strong growth in Revenue. In the last year, the Revenue has grown by 25.76%.
The Revenue has been growing by 49.46% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)386.67%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%220%
Revenue 1Y (TTM)25.76%
Revenue growth 3Y42.75%
Revenue growth 5Y49.46%
Sales Q2Q%25.13%
3.2 Future
The Earnings Per Share is expected to grow by 181.96% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 18.17% on average over the next years. This is quite good.
EPS Next Y1725.2%
EPS Next 2Y431.83%
EPS Next 3Y239.95%
EPS Next 5Y181.96%
Revenue Next Year23.07%
Revenue Next 2Y21.69%
Revenue Next 3Y19.97%
Revenue Next 5Y18.17%
3.3 Evolution
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 78.88 indicates a quite expensive valuation of 1TOST.
Compared to the rest of the industry, the Price/Earnings ratio of 1TOST indicates a slightly more expensive valuation: 1TOST is more expensive than 67.24% of the companies listed in the same industry.
1TOST is valuated expensively when we compare the Price/Earnings ratio to 26.92, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 43.24, which means the current valuation is very expensive for 1TOST.
Based on the Price/Forward Earnings ratio, 1TOST is valued a bit more expensive than 70.69% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of 1TOST to the average of the S&P500 Index (23.57), we can say 1TOST is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 78.88 | ||
| Fwd PE | 43.24 |
4.2 Price Multiples
63.79% of the companies in the same industry are cheaper than 1TOST, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of 1TOST indicates a slightly more expensive valuation: 1TOST is more expensive than 63.79% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 35.55 | ||
| EV/EBITDA | 57.82 |
4.3 Compensation for Growth
1TOST's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
1TOST's earnings are expected to grow with 239.95% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.05
PEG (5Y)N/A
EPS Next 2Y431.83%
EPS Next 3Y239.95%
5. Dividend
5.1 Amount
1TOST does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
BIT:1TOST (1/5/2026, 7:00:00 PM)
29.185
-1.8 (-5.79%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners88.52%
Inst Owner ChangeN/A
Ins Owners1%
Ins Owner ChangeN/A
Market Cap17.16B
Revenue(TTM)5.86B
Net Income(TTM)273.00M
Analysts77.14
Price Target43.31 (48.4%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)15.85%
Min EPS beat(2)10.83%
Max EPS beat(2)20.88%
EPS beat(4)3
Avg EPS beat(4)5.42%
Min EPS beat(4)-13.05%
Max EPS beat(4)20.88%
EPS beat(8)6
Avg EPS beat(8)59.96%
EPS beat(12)8
Avg EPS beat(12)38.99%
EPS beat(16)12
Avg EPS beat(16)39.12%
Revenue beat(2)1
Avg Revenue beat(2)0.56%
Min Revenue beat(2)0%
Max Revenue beat(2)1.11%
Revenue beat(4)1
Avg Revenue beat(4)-0.34%
Min Revenue beat(4)-2.48%
Max Revenue beat(4)1.11%
Revenue beat(8)2
Avg Revenue beat(8)-0.17%
Revenue beat(12)5
Avg Revenue beat(12)0.42%
Revenue beat(16)9
Avg Revenue beat(16)1.2%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 78.88 | ||
| Fwd PE | 43.24 | ||
| P/S | 3.42 | ||
| P/FCF | 35.55 | ||
| P/OCF | 32.66 | ||
| P/B | 9.96 | ||
| P/tB | 10.64 | ||
| EV/EBITDA | 57.82 |
EPS(TTM)0.37
EY1.27%
EPS(NY)0.67
Fwd EY2.31%
FCF(TTM)0.82
FCFY2.81%
OCF(TTM)0.89
OCFY3.06%
SpS8.53
BVpS2.93
TBVpS2.74
PEG (NY)0.05
PEG (5Y)N/A
Graham Number4.94
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 9.19% | ||
| ROE | 13.56% | ||
| ROCE | 11.99% | ||
| ROIC | 10.36% | ||
| ROICexc | 105.08% | ||
| ROICexgc | 288.27% | ||
| OM | 4.22% | ||
| PM (TTM) | 4.66% | ||
| GM | 25.66% | ||
| FCFM | 9.63% |
ROA(3y)-9.13%
ROA(5y)-17.51%
ROE(3y)-14.81%
ROE(5y)-30.99%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y9.22%
GM growth 5Y20.69%
F-Score7
Asset Turnover1.97
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 84.75% | ||
| Cap/Sales | 0.85% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 200.65% | ||
| Profit Quality | 206.59% | ||
| Current Ratio | 2.74 | ||
| Quick Ratio | 2.62 | ||
| Altman-Z | 14.81 |
F-Score7
WACC8.82%
ROIC/WACC1.17
Cap/Depr(3y)128.71%
Cap/Depr(5y)121.97%
Cap/Sales(3y)1.13%
Cap/Sales(5y)1.78%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)386.67%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%220%
EPS Next Y1725.2%
EPS Next 2Y431.83%
EPS Next 3Y239.95%
EPS Next 5Y181.96%
Revenue 1Y (TTM)25.76%
Revenue growth 3Y42.75%
Revenue growth 5Y49.46%
Sales Q2Q%25.13%
Revenue Next Year23.07%
Revenue Next 2Y21.69%
Revenue Next 3Y19.97%
Revenue Next 5Y18.17%
EBIT growth 1Y982.14%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year737810%
EBIT Next 3Y2272.74%
EBIT Next 5Y966.17%
FCF growth 1Y3417.65%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y2458.33%
OCF growth 3Y464.62%
OCF growth 5YN/A
TOAST INC-CLASS A / 1TOST.MI FAQ
Can you provide the ChartMill fundamental rating for TOAST INC-CLASS A?
ChartMill assigns a fundamental rating of 6 / 10 to 1TOST.MI.
Can you provide the valuation status for TOAST INC-CLASS A?
ChartMill assigns a valuation rating of 2 / 10 to TOAST INC-CLASS A (1TOST.MI). This can be considered as Overvalued.
Can you provide the profitability details for TOAST INC-CLASS A?
TOAST INC-CLASS A (1TOST.MI) has a profitability rating of 4 / 10.
What is the financial health of TOAST INC-CLASS A (1TOST.MI) stock?
The financial health rating of TOAST INC-CLASS A (1TOST.MI) is 9 / 10.