TOAST INC-CLASS A (1TOST.MI) Fundamental Analysis & Valuation

BIT:1TOST • US8887871080

Current stock price

23.515 EUR
-5.67 (-19.43%)
Last:

This 1TOST.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. 1TOST.MI Profitability Analysis

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.
  • The reported operating cash flow has been mixed in the past 5 years: 1TOST reported negative operating cash flow in multiple years.
1TOST.MI Yearly Net Income VS EBIT VS OCF VS FCF1TOST.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 0 200M -200M -400M

1.2 Ratios

  • 1TOST's Return On Assets of 9.19% is amongst the best of the industry. 1TOST outperforms 92.98% of its industry peers.
  • 1TOST has a Return On Equity of 13.56%. This is in the better half of the industry: 1TOST outperforms 71.93% of its industry peers.
  • With an excellent Return On Invested Capital value of 10.36%, 1TOST belongs to the best of the industry, outperforming 80.70% of the companies in the same industry.
Industry RankSector 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
1TOST.MI Yearly ROA, ROE, ROIC1TOST.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 0 -50 -100 -150

1.3 Margins

  • 1TOST's Profit Margin of 4.66% is in line compared to the rest of the industry. 1TOST outperforms 47.37% of its industry peers.
  • 1TOST has a worse Operating Margin (4.22%) than 66.67% of its industry peers.
  • Looking at the Gross Margin, with a value of 25.66%, 1TOST is in line with its industry, outperforming 40.35% of the companies in the same industry.
  • In the last couple of years the Gross Margin of 1TOST has grown nicely.
Industry RankSector 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%
1TOST.MI Yearly Profit, Operating, Gross Margins1TOST.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 0 10 -10 20 -20 -30

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9

2. 1TOST.MI Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), 1TOST is creating some value.
  • Compared to 1 year ago, 1TOST has more shares outstanding
  • 1TOST has more shares outstanding than it did 5 years ago.
  • 1TOST has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
1TOST.MI Yearly Shares Outstanding1TOST.MI Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M
1TOST.MI Yearly Total Debt VS Total Assets1TOST.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

  • An Altman-Z score of 12.53 indicates that 1TOST is not in any danger for bankruptcy at the moment.
  • 1TOST's Altman-Z score of 12.53 is amongst the best of the industry. 1TOST outperforms 96.49% of its industry peers.
  • 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.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 12.53
ROIC/WACC1.19
WACC8.68%
1TOST.MI Yearly LT Debt VS Equity VS FCF1TOST.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 0 500M 1B 1.5B

2.3 Liquidity

  • 1TOST has a Current Ratio of 2.74. This indicates that 1TOST is financially healthy and has no problem in meeting its short term obligations.
  • 1TOST has a better Current ratio (2.74) than 80.70% of its industry peers.
  • A Quick Ratio of 2.62 indicates that 1TOST has no problem at all paying its short term obligations.
  • The Quick ratio of 1TOST (2.62) is better than 82.46% of its industry peers.
Industry RankSector Rank
Current Ratio 2.74
Quick Ratio 2.62
1TOST.MI Yearly Current Assets VS Current Liabilites1TOST.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

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7

3. 1TOST.MI Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 386.67% over the past year.
  • 1TOST shows a strong growth in Revenue. In the last year, the Revenue has grown by 25.76%.
  • 1TOST shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 49.46% yearly.
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
  • Based on estimates for the next years, 1TOST will show a quite strong growth in Revenue. The Revenue will grow by 19.89% on average per year.
EPS Next Y1901.22%
EPS Next 2Y428.36%
EPS Next 3Y235.09%
EPS Next 5Y181.96%
Revenue Next Year24.38%
Revenue Next 2Y22.49%
Revenue Next 3Y21.1%
Revenue Next 5Y19.89%

3.3 Evolution

  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
1TOST.MI Yearly Revenue VS Estimates1TOST.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 5B 10B 15B
1TOST.MI Yearly EPS VS Estimates1TOST.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 0 1 -1

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2

4. 1TOST.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 65.32, 1TOST can be considered very expensive at the moment.
  • 1TOST's Price/Earnings ratio is a bit more expensive when compared to the industry. 1TOST is more expensive than 64.91% of the companies in the same industry.
  • 1TOST's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 25.54.
  • The Price/Forward Earnings ratio is 35.88, which means the current valuation is very expensive for 1TOST.
  • 1TOST's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. 1TOST is more expensive than 68.42% of the companies in the same industry.
  • 1TOST's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 22.70.
Industry RankSector Rank
PE 65.32
Fwd PE 35.88
1TOST.MI Price Earnings VS Forward Price Earnings1TOST.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60

4.2 Price Multiples

  • 1TOST's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. 1TOST is more expensive than 63.16% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, 1TOST is valued a bit more expensive than 61.40% of the companies in the same industry.
Industry RankSector Rank
P/FCF 29.08
EV/EBITDA 45.9
1TOST.MI Per share data1TOST.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

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.
  • A more expensive valuation may be justified as 1TOST's earnings are expected to grow with 235.09% in the coming years.
PEG (NY)0.03
PEG (5Y)N/A
EPS Next 2Y428.36%
EPS Next 3Y235.09%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. 1TOST.MI Dividend Analysis

5.1 Amount

  • 1TOST does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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1TOST.MI Fundamentals: All Metrics, Ratios and Statistics

TOAST INC-CLASS A

BIT:1TOST (2/9/2026, 7:00:00 PM)

23.515

-5.67 (-19.43%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-04
Earnings (Next)02-23
Inst Owners87.8%
Inst Owner ChangeN/A
Ins Owners1%
Ins Owner ChangeN/A
Market Cap13.83B
Revenue(TTM)5.86B
Net Income(TTM)273.00M
Analysts77.65
Price Target40.3 (71.38%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)-6.96%
PT rev (3m)N/A
EPS NQ rev (1m)1.13%
EPS NQ rev (3m)N/A
EPS NY rev (1m)10.83%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.07%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 65.32
Fwd PE 35.88
P/S 2.8
P/FCF 29.08
P/OCF 26.71
P/B 8.14
P/tB 8.7
EV/EBITDA 45.9
EPS(TTM)0.36
EY1.53%
EPS(NY)0.66
Fwd EY2.79%
FCF(TTM)0.81
FCFY3.44%
OCF(TTM)0.88
OCFY3.74%
SpS8.4
BVpS2.89
TBVpS2.7
PEG (NY)0.03
PEG (5Y)N/A
Graham Number4.84
Profitability
Industry RankSector 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 RankSector 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 12.53
F-Score7
WACC8.68%
ROIC/WACC1.19
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 Y1901.22%
EPS Next 2Y428.36%
EPS Next 3Y235.09%
EPS Next 5Y181.96%
Revenue 1Y (TTM)25.76%
Revenue growth 3Y42.75%
Revenue growth 5Y49.46%
Sales Q2Q%25.13%
Revenue Next Year24.38%
Revenue Next 2Y22.49%
Revenue Next 3Y21.1%
Revenue Next 5Y19.89%
EBIT growth 1Y982.14%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year795387%
EBIT Next 3Y2274.95%
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 Fundamental Analysis 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.