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

BIT:1TOST • US8887871080

23.515 EUR
-5.67 (-19.43%)
Last: Feb 9, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

6

We assign a fundamental rating of 6 out of 10 to 1TOST. 1TOST was compared to 56 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.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year 1TOST was profitable.
  • 1TOST had a positive operating cash flow in the past year.
  • In the past 5 years 1TOST reported 4 times negative net income.
  • In multiple years 1TOST reported negative operating cash flow during the last 5 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 has a Return On Assets of 9.19%. This is amongst the best in the industry. 1TOST outperforms 92.98% of its industry peers.
  • The Return On Equity of 1TOST (13.56%) is better than 71.93% of its industry peers.
  • 1TOST has a Return On Invested Capital of 10.36%. This is amongst the best in the industry. 1TOST outperforms 80.70% of its industry peers.
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

  • The Profit Margin of 1TOST (4.66%) is comparable to the rest of the industry.
  • The Operating Margin of 1TOST (4.22%) is worse 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. 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.
  • The number of shares outstanding for 1TOST has been increased compared to 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

  • 1TOST has an Altman-Z score of 12.53. This indicates that 1TOST is financially healthy and has little risk of bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 12.53, 1TOST belongs to the top of the industry, outperforming 96.49% of the companies in the same industry.
  • 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.
  • The Current ratio of 1TOST (2.74) is better than 80.70% 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.
  • 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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

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.
  • The Revenue has grown by 25.76% in the past year. This is a very strong growth!
  • 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

  • Based on estimates for the next years, 1TOST will show a very strong growth in Earnings Per Share. The EPS will grow by 181.96% on average per year.
  • 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

  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in 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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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 65.32, the valuation of 1TOST can be described as expensive.
  • Based on the Price/Earnings ratio, 1TOST is valued a bit more expensive than 64.91% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.10. 1TOST is valued rather expensively when compared to this.
  • Based on the Price/Forward Earnings ratio of 35.88, the valuation of 1TOST can be described as expensive.
  • 68.42% of the companies in the same industry are cheaper than 1TOST, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, 1TOST is valued a bit more expensive.
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of 1TOST indicates a slightly more expensive valuation: 1TOST is more expensive than 63.16% of the companies listed 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

  • The 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 235.09% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.03
PEG (5Y)N/A
EPS Next 2Y428.36%
EPS Next 3Y235.09%

More info and screens

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

0

5. Dividend

5.1 Amount

  • No dividends for 1TOST!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

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 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.