TOAST INC-CLASS A (TOST) Stock Fundamental Analysis

NYSE:TOST • US8887871080

27.64 USD
-0.03 (-0.11%)
At close: Feb 19, 2026
27.64 USD
0 (0%)
After Hours: 2/19/2026, 5:06:15 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

Taking everything into account, TOST scores 6 out of 10 in our fundamental rating. TOST was compared to 97 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 is valued quite expensive, but it does show an excellent growth. These ratings would make TOST suitable for growth investing!


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • In the past year TOST was profitable.
  • In the past year TOST had a positive cash flow from operations.
  • In multiple years TOST reported negative net income over the last 5 years.
  • TOST had a positive operating cash flow in 4 of the past 5 years.
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

  • TOST's Return On Assets of 10.87% is amongst the best of the industry. TOST outperforms 90.72% of its industry peers.
  • TOST has a better Return On Equity (16.10%) than 81.44% of its industry peers.
  • TOST has a better Return On Invested Capital (11.04%) than 85.57% of its industry peers.
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

  • TOST has a Profit Margin (5.56%) which is in line with its industry peers.
  • With a Operating Margin value of 4.94%, TOST is not doing good in the industry: 61.86% of the companies in the same industry are doing better.
  • Looking at the Gross Margin, with a value of 25.89%, TOST is in line with its industry, outperforming 47.42% of the companies in the same 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

9

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), TOST is 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

  • TOST has an Altman-Z score of 11.92. This indicates that TOST is financially healthy and has little risk of bankruptcy at the moment.
  • TOST has a better Altman-Z score (11.92) than 95.88% of its industry peers.
  • TOST has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 11.92
ROIC/WACC1.26
WACC8.73%
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

  • TOST has a Current Ratio of 2.75. This indicates that TOST is financially healthy and has no problem in meeting its short term obligations.
  • The Current ratio of TOST (2.75) is better than 82.47% of its industry peers.
  • TOST has a Quick Ratio of 2.64. This indicates that TOST is financially healthy and has no problem in meeting its short term obligations.
  • With an excellent Quick ratio value of 2.64, TOST belongs to the best of the industry, outperforming 82.47% 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. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 1900.00% over the past year.
  • The Revenue has grown by 24.05% in the past year. This is a very strong growth!
  • The Revenue has been growing by 49.53% on average over the past years. This is a very strong growth!
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

  • The Earnings Per Share is expected to grow by 27.45% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 15.83% on average over the next years. This is quite good.
EPS Next Y47.71%
EPS Next 2Y43.57%
EPS Next 3Y50.37%
EPS Next 5Y27.45%
Revenue Next Year21.31%
Revenue Next 2Y19.37%
Revenue Next 3Y17.98%
Revenue Next 5Y15.83%

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.
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

More info and screens

Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 51.19, TOST can be considered very expensive at the moment.
  • Compared to the rest of the industry, the Price/Earnings ratio of TOST indicates a slightly more expensive valuation: TOST is more expensive than 74.23% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of TOST to the average of the S&P500 Index (27.27), we can say TOST is valued expensively.
  • Based on the Price/Forward Earnings ratio of 34.65, the valuation of TOST can be described as expensive.
  • Based on the Price/Forward Earnings ratio, TOST is valued a bit more expensive than 74.23% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.16. TOST is valued slightly more expensive when compared to this.
Industry RankSector Rank
PE 51.19
Fwd PE 34.65
TOST Price Earnings VS Forward Price EarningsTOST Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

4.2 Price Multiples

  • TOST's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. TOST is more expensive than 60.82% of the companies in the same industry.
  • TOST's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 26.73
EV/EBITDA 37.07
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 PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • A more expensive valuation may be justified as TOST's earnings are expected to grow with 50.37% in the coming years.
PEG (NY)1.07
PEG (5Y)N/A
EPS Next 2Y43.57%
EPS Next 3Y50.37%

More info and screens

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

0

5. Dividend

5.1 Amount

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

More info and screens

Find the best dividend stocksShow peers with best dividend

TOAST INC-CLASS A

NYSE:TOST (2/19/2026, 5:06:15 PM)

After market: 27.64 0 (0%)

27.64

-0.03 (-0.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-12
Earnings (Next)05-06
Inst Owners87.8%
Inst Owner Change-1.47%
Ins Owners1%
Ins Owner Change0.39%
Market Cap16.25B
Revenue(TTM)6.15B
Net Income(TTM)342.00M
Analysts77.06
Price Target47.6 (72.21%)
Short Float %6.09%
Short Ratio2.83
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)-1.77%
PT rev (3m)-4%
EPS NQ rev (1m)-0.41%
EPS NQ rev (3m)5.43%
EPS NY rev (1m)-0.33%
EPS NY rev (3m)10.58%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.12%
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)1.08%
Valuation
Industry RankSector Rank
PE 51.19
Fwd PE 34.65
P/S 2.64
P/FCF 26.73
P/OCF 24.59
P/B 7.65
P/tB 8.14
EV/EBITDA 37.07
EPS(TTM)0.54
EY1.95%
EPS(NY)0.8
Fwd EY2.89%
FCF(TTM)1.03
FCFY3.74%
OCF(TTM)1.12
OCFY4.07%
SpS10.46
BVpS3.61
TBVpS3.4
PEG (NY)1.07
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 11.92
F-Score8
WACC8.73%
ROIC/WACC1.26
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 Y47.71%
EPS Next 2Y43.57%
EPS Next 3Y50.37%
EPS Next 5Y27.45%
Revenue 1Y (TTM)24.05%
Revenue growth 3Y31.1%
Revenue growth 5Y49.53%
Sales Q2Q%22.05%
Revenue Next Year21.31%
Revenue Next 2Y19.37%
Revenue Next 3Y17.98%
Revenue Next 5Y15.83%
EBIT growth 1Y406.67%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year169.73%
EBIT Next 3Y50.92%
EBIT Next 5Y41.91%
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 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 51.19 and the Price/Book (PB) ratio is 7.65.