TOAST INC-CLASS A (TOST) Stock Fundamental Analysis
USA - NYSE:TOST - US8887871080 - Common Stock
37.795 USD
+0.3 (+0.79%)
Taking everything into account, TOST scores 5 out of 10 in our fundamental rating. TOST was compared to 99 industry peers in the Financial Services industry. TOST is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. TOST shows excellent growth, but is valued quite expensive already.
1. Profitability
1.1 Basic Checks
TOST had positive earnings in the past year.
In the past year TOST had a positive cash flow from operations.
In the past 5 years TOST reported 4 times negative net income.
The reported operating cash flow has been mixed in the past 5 years: TOST reported negative operating cash flow in multiple years.
1.2 Ratios
TOST's Return On Assets of 8.10% is amongst the best of the industry. TOST outperforms 85.86% of its industry peers.
TOST has a Return On Equity of 12.32%. This is in the better half of the industry: TOST outperforms 63.64% of its industry peers.
Looking at the Return On Invested Capital, with a value of 9.08%, TOST is in the better half of the industry, outperforming 79.80% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.1% | ||
| ROE | 12.32% | ||
| ROIC | 9.08% |
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
Looking at the Profit Margin, with a value of 4.05%, TOST is in line with its industry, outperforming 42.42% of the companies in the same industry.
TOST has a worse Operating Margin (3.56%) than 67.68% of its industry peers.
With a Gross Margin value of 25.19%, TOST perfoms like the industry average, outperforming 43.43% of the companies in the same industry.
TOST's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 3.56% | ||
| PM (TTM) | 4.05% | ||
| GM | 25.19% |
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
TOST has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
Compared to 1 year ago, TOST has more shares outstanding
The number of shares outstanding for TOST has been increased compared to 5 years ago.
TOST has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
An Altman-Z score of 15.93 indicates that TOST is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 15.93, TOST belongs to the top of the industry, outperforming 95.96% of the companies in the same industry.
There is no outstanding debt for TOST. 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 15.93 |
ROIC/WACC1.05
WACC8.66%
2.3 Liquidity
TOST has a Current Ratio of 2.59. This indicates that TOST is financially healthy and has no problem in meeting its short term obligations.
TOST's Current ratio of 2.59 is fine compared to the rest of the industry. TOST outperforms 78.79% of its industry peers.
A Quick Ratio of 2.48 indicates that TOST has no problem at all paying its short term obligations.
TOST has a Quick ratio of 2.48. This is in the better half of the industry: TOST outperforms 78.79% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.59 | ||
| Quick Ratio | 2.48 |
3. Growth
3.1 Past
TOST shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 223.08%, which is quite impressive.
Looking at the last year, TOST shows a very strong growth in Revenue. The Revenue has grown by 26.11%.
Measured over the past years, TOST shows a very strong growth in Revenue. The Revenue has been growing by 49.46% on average per year.
EPS 1Y (TTM)223.08%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%550%
Revenue 1Y (TTM)26.11%
Revenue growth 3Y42.75%
Revenue growth 5Y49.46%
Sales Q2Q%24.8%
3.2 Future
TOST is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 121.52% yearly.
The Revenue is expected to grow by 17.69% on average over the next years. This is quite good.
EPS Next Y1756.28%
EPS Next 2Y436.08%
EPS Next 3Y245.7%
EPS Next 5Y121.52%
Revenue Next Year23.05%
Revenue Next 2Y21.62%
Revenue Next 3Y19.76%
Revenue Next 5Y17.69%
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
The Price/Earnings ratio is 118.11, which means the current valuation is very expensive for TOST.
75.76% of the companies in the same industry are cheaper than TOST, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 27.42, TOST is valued quite expensively.
Based on the Price/Forward Earnings ratio of 47.12, the valuation of TOST can be described as expensive.
75.76% of the companies in the same industry are cheaper than TOST, based on the Price/Forward Earnings ratio.
TOST's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 22.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 118.11 | ||
| Fwd PE | 47.12 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of TOST indicates a slightly more expensive valuation: TOST is more expensive than 65.66% of the companies listed in the same industry.
TOST's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 43.37 | ||
| EV/EBITDA | 77.07 |
4.3 Compensation for Growth
TOST's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
TOST's earnings are expected to grow with 245.70% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.07
PEG (5Y)N/A
EPS Next 2Y436.08%
EPS Next 3Y245.7%
5. Dividend
5.1 Amount
No dividends for TOST!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:TOST (10/20/2025, 3:01:06 PM)
37.795
+0.3 (+0.79%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners88.52%
Inst Owner Change-0.16%
Ins Owners1%
Ins Owner Change-1.07%
Market Cap22.03B
Analysts75.88
Price Target51.21 (35.49%)
Short Float %7.06%
Short Ratio3.78
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.93%
Min EPS beat(2)3.04%
Max EPS beat(2)10.83%
EPS beat(4)3
Avg EPS beat(4)57.73%
Min EPS beat(4)-13.05%
Max EPS beat(4)230.1%
EPS beat(8)6
Avg EPS beat(8)62.65%
EPS beat(12)8
Avg EPS beat(12)43.05%
EPS beat(16)12
Avg EPS beat(16)42.36%
Revenue beat(2)0
Avg Revenue beat(2)-1.24%
Min Revenue beat(2)-2.48%
Max Revenue beat(2)0%
Revenue beat(4)0
Avg Revenue beat(4)-0.83%
Min Revenue beat(4)-2.48%
Max Revenue beat(4)0%
Revenue beat(8)1
Avg Revenue beat(8)-0.53%
Revenue beat(12)5
Avg Revenue beat(12)0.5%
Revenue beat(16)9
Avg Revenue beat(16)1.81%
PT rev (1m)1.45%
PT rev (3m)15.56%
EPS NQ rev (1m)-0.58%
EPS NQ rev (3m)7.71%
EPS NY rev (1m)0%
EPS NY rev (3m)8.49%
Revenue NQ rev (1m)-0.19%
Revenue NQ rev (3m)1.07%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.98%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 118.11 | ||
| Fwd PE | 47.12 | ||
| P/S | 3.98 | ||
| P/FCF | 43.37 | ||
| P/OCF | 39.49 | ||
| P/B | 12.12 | ||
| P/tB | 13.05 | ||
| EV/EBITDA | 77.07 |
EPS(TTM)0.32
EY0.85%
EPS(NY)0.8
Fwd EY2.12%
FCF(TTM)0.87
FCFY2.31%
OCF(TTM)0.96
OCFY2.53%
SpS9.49
BVpS3.12
TBVpS2.9
PEG (NY)0.07
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.1% | ||
| ROE | 12.32% | ||
| ROCE | 10.52% | ||
| ROIC | 9.08% | ||
| ROICexc | 99.49% | ||
| ROICexgc | 414.97% | ||
| OM | 3.56% | ||
| PM (TTM) | 4.05% | ||
| GM | 25.19% | ||
| FCFM | 9.19% |
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
ROICexcg growth 3YN/A
ROICexcg 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-Score8
Asset Turnover2
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 86.21% | ||
| Cap/Sales | 0.9% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 218.82% | ||
| Profit Quality | 226.79% | ||
| Current Ratio | 2.59 | ||
| Quick Ratio | 2.48 | ||
| Altman-Z | 15.93 |
F-Score8
WACC8.66%
ROIC/WACC1.05
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)223.08%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%550%
EPS Next Y1756.28%
EPS Next 2Y436.08%
EPS Next 3Y245.7%
EPS Next 5Y121.52%
Revenue 1Y (TTM)26.11%
Revenue growth 3Y42.75%
Revenue growth 5Y49.46%
Sales Q2Q%24.8%
Revenue Next Year23.05%
Revenue Next 2Y21.62%
Revenue Next 3Y19.76%
Revenue Next 5Y17.69%
EBIT growth 1Y262.81%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year737810%
EBIT Next 3Y2272.74%
EBIT Next 5Y622.41%
FCF growth 1Y476.3%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y700%
OCF growth 3Y464.62%
OCF growth 5YN/A