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

NYSE:TOST • US8887871080

Current stock price

25.64 USD
-0.75 (-2.84%)
At close:
25.7485 USD
+0.11 (+0.42%)
After Hours:

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

5

1. TOST Profitability Analysis

1.1 Basic Checks

  • In the past year TOST was profitable.
  • In the past year TOST had a positive cash flow from operations.
  • The reported net income has been mixed in the past 5 years: TOST reported negative net income in multiple years.
  • Of the past 5 years TOST 4 years had a positive operating cash flow.
TOST Yearly Net Income VS EBIT VS OCF VS FCFTOST Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M -400M 600M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 10.87%, TOST belongs to the top of the industry, outperforming 91.00% of the companies in the same industry.
  • TOST has a Return On Equity of 16.10%. This is amongst the best in the industry. TOST outperforms 82.00% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 11.04%, TOST belongs to the top of the industry, outperforming 88.00% of the companies in the same industry.
Industry RankSector Rank
ROA 10.87%
ROE 16.1%
ROIC 11.04%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
TOST Yearly ROA, ROE, ROICTOST Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 2025 0 -50 -100 -150

1.3 Margins

  • Looking at the Profit Margin, with a value of 5.56%, TOST is in line with its industry, outperforming 44.00% of the companies in the same industry.
  • With a Operating Margin value of 4.94%, TOST perfoms like the industry average, outperforming 41.00% of the companies in the same industry.
  • The Gross Margin of TOST (25.89%) is comparable to the rest of the industry.
  • In the last couple of years the Gross Margin of TOST has grown nicely.
Industry RankSector Rank
OM 4.94%
PM (TTM) 5.56%
GM 25.89%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y11.43%
GM growth 5Y8.7%
TOST Yearly Profit, Operating, Gross MarginsTOST Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20 -20 -30

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9

2. TOST Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so TOST is still creating some value.
  • 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.
TOST Yearly Shares OutstandingTOST Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M
TOST Yearly Total Debt VS Total AssetsTOST 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 11.50 indicates that TOST is not in any danger for bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 11.50, TOST belongs to the top of the industry, outperforming 98.00% 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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 11.5
ROIC/WACC1.22
WACC9.06%
TOST Yearly LT Debt VS Equity VS FCFTOST Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 2025 0 500M 1B 1.5B

2.3 Liquidity

  • A Current Ratio of 2.75 indicates that TOST has no problem at all paying its short term obligations.
  • Looking at the Current ratio, with a value of 2.75, TOST belongs to the top of the industry, outperforming 83.00% of the companies in the same industry.
  • A Quick Ratio of 2.64 indicates that TOST has no problem at all paying its short term obligations.
  • Looking at the Quick ratio, with a value of 2.64, TOST belongs to the top of the industry, outperforming 83.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 2.75
Quick Ratio 2.64
TOST Yearly Current Assets VS Current LiabilitesTOST 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. TOST Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 1900.00% over the past year.
  • Looking at the last year, TOST shows a very strong growth in Revenue. The Revenue has grown by 24.05%.
  • Measured over the past years, TOST shows a very strong growth in Revenue. The Revenue has been growing by 49.53% on average per year.
EPS 1Y (TTM)1900%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%220%
Revenue 1Y (TTM)24.05%
Revenue growth 3Y31.1%
Revenue growth 5Y49.53%
Sales Q2Q%22.05%

3.2 Future

  • Based on estimates for the next years, TOST will show a very strong growth in Earnings Per Share. The EPS will grow by 27.45% on average per year.
  • Based on estimates for the next years, TOST will show a quite strong growth in Revenue. The Revenue will grow by 15.83% on average per year.
EPS Next Y48.22%
EPS Next 2Y41.21%
EPS Next 3Y39.27%
EPS Next 5Y27.45%
Revenue Next Year20.64%
Revenue Next 2Y19.31%
Revenue Next 3Y18.6%
Revenue Next 5Y15.83%

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.
TOST Yearly Revenue VS EstimatesTOST 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
TOST Yearly EPS VS EstimatesTOST Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 0 1 -1 2

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2

4. TOST Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 47.48, which means the current valuation is very expensive for TOST.
  • Based on the Price/Earnings ratio, TOST is valued a bit more expensive than the industry average as 73.00% of the companies are valued more cheaply.
  • TOST's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 24.88.
  • Based on the Price/Forward Earnings ratio of 32.03, the valuation of TOST can be described as expensive.
  • TOST's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. TOST is more expensive than 72.00% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.19, TOST is valued a bit more expensive.
Industry RankSector Rank
PE 47.48
Fwd PE 32.03
TOST Price Earnings VS Forward Price EarningsTOST Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • TOST's Enterprise Value to EBITDA ratio is in line with the industry average.
  • TOST's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 24.84
EV/EBITDA 35.09
TOST Per share dataTOST EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

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.
  • A more expensive valuation may be justified as TOST's earnings are expected to grow with 39.27% in the coming years.
PEG (NY)0.98
PEG (5Y)N/A
EPS Next 2Y41.21%
EPS Next 3Y39.27%

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

0

5. TOST Dividend Analysis

5.1 Amount

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

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TOST Fundamentals: All Metrics, Ratios and Statistics

TOAST INC-CLASS A

NYSE:TOST (3/27/2026, 8:04:00 PM)

After market: 25.7485 +0.11 (+0.42%)

25.64

-0.75 (-2.84%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-12
Earnings (Next)05-06
Inst Owners86.88%
Inst Owner Change0.23%
Ins Owners1%
Ins Owner Change-0.34%
Market Cap15.10B
Revenue(TTM)6.15B
Net Income(TTM)342.00M
Analysts78.29
Price Target38.28 (49.3%)
Short Float %5.63%
Short Ratio2.25
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)21.99%
Min EPS beat(2)20.79%
Max EPS beat(2)23.19%
EPS beat(4)4
Avg EPS beat(4)12.63%
Min EPS beat(4)3.04%
Max EPS beat(4)23.19%
EPS beat(8)6
Avg EPS beat(8)58.31%
EPS beat(12)9
Avg EPS beat(12)43.39%
EPS beat(16)12
Avg EPS beat(16)38.83%
Revenue beat(2)1
Avg Revenue beat(2)-0.02%
Min Revenue beat(2)-1.15%
Max Revenue beat(2)1.11%
Revenue beat(4)1
Avg Revenue beat(4)-0.63%
Min Revenue beat(4)-2.48%
Max Revenue beat(4)1.11%
Revenue beat(8)2
Avg Revenue beat(8)-0.31%
Revenue beat(12)4
Avg Revenue beat(12)0.22%
Revenue beat(16)8
Avg Revenue beat(16)0.9%
PT rev (1m)-19.58%
PT rev (3m)-20.67%
EPS NQ rev (1m)4.22%
EPS NQ rev (3m)3.8%
EPS NY rev (1m)0.35%
EPS NY rev (3m)2.82%
Revenue NQ rev (1m)0.06%
Revenue NQ rev (3m)0.06%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)0.19%
Valuation
Industry RankSector Rank
PE 47.48
Fwd PE 32.03
P/S 2.45
P/FCF 24.84
P/OCF 22.85
P/B 7.11
P/tB 7.56
EV/EBITDA 35.09
EPS(TTM)0.54
EY2.11%
EPS(NY)0.8
Fwd EY3.12%
FCF(TTM)1.03
FCFY4.03%
OCF(TTM)1.12
OCFY4.38%
SpS10.45
BVpS3.61
TBVpS3.39
PEG (NY)0.98
PEG (5Y)N/A
Graham Number6.62
Profitability
Industry RankSector Rank
ROA 10.87%
ROE 16.1%
ROCE 13.97%
ROIC 11.04%
ROICexc 129.82%
ROICexgc 414.07%
OM 4.94%
PM (TTM) 5.56%
GM 25.89%
FCFM 9.88%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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 3Y11.43%
GM growth 5Y8.7%
F-Score8
Asset Turnover1.96
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 82.81%
Cap/Sales 0.86%
Interest Coverage 250
Cash Conversion 179.62%
Profit Quality 177.78%
Current Ratio 2.75
Quick Ratio 2.64
Altman-Z 11.5
F-Score8
WACC9.06%
ROIC/WACC1.22
Cap/Depr(3y)110.49%
Cap/Depr(5y)111.89%
Cap/Sales(3y)1.01%
Cap/Sales(5y)1.07%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)1900%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%220%
EPS Next Y48.22%
EPS Next 2Y41.21%
EPS Next 3Y39.27%
EPS Next 5Y27.45%
Revenue 1Y (TTM)24.05%
Revenue growth 3Y31.1%
Revenue growth 5Y49.53%
Sales Q2Q%22.05%
Revenue Next Year20.64%
Revenue Next 2Y19.31%
Revenue Next 3Y18.6%
Revenue Next 5Y15.83%
EBIT growth 1Y406.67%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year187.63%
EBIT Next 3Y70.72%
EBIT Next 5Y43.62%
FCF growth 1Y98.69%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y83.61%
OCF growth 3YN/A
OCF growth 5YN/A

TOAST INC-CLASS A / TOST Fundamental Analysis FAQ

What is the fundamental rating for TOST stock?

ChartMill assigns a fundamental rating of 6 / 10 to TOST.


Can you provide the valuation status for TOAST INC-CLASS A?

ChartMill assigns a valuation rating of 2 / 10 to TOAST INC-CLASS A (TOST). This can be considered as Overvalued.


How profitable is TOAST INC-CLASS A (TOST) stock?

TOAST INC-CLASS A (TOST) has a profitability rating of 5 / 10.


What is the valuation of TOAST INC-CLASS A based on its PE and PB ratios?

The Price/Earnings (PE) ratio for TOAST INC-CLASS A (TOST) is 47.48 and the Price/Book (PB) ratio is 7.11.