TOAST INC-CLASS A (TOST) Stock Fundamental Analysis
NYSE:TOST - US8887871080 - Common Stock
42.45 USD
-1.34 (-3.06%)
42.3 USD
-0.15 (-0.35%)
TOST gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 102 industry peers in the Financial Services industry. While TOST has a great health rating, its profitability is only average at the moment. TOST is valued quite expensive, but it does show an excellent growth.
1. Profitability
1.1 Basic Checks
TOST had positive earnings in the past year.
TOST had a positive operating cash flow in the past year.
TOST had negative earnings in 4 of the past 5 years.
In multiple years TOST reported negative operating cash flow during the last 5 years.
1.2 Ratios
The Return On Assets of TOST (8.10%) is better than 86.27% of its industry peers.
TOST has a Return On Equity of 12.32%. This is in the better half of the industry: TOST outperforms 64.71% of its industry peers.
TOST has a Return On Invested Capital of 9.08%. This is amongst the best in the industry. TOST outperforms 80.39% of its industry peers.
| 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
TOST has a Profit Margin (4.05%) which is comparable to the rest of the industry.
TOST has a Operating Margin of 3.56%. This is in the lower half of the industry: TOST underperforms 68.63% of its industry peers.
With a Gross Margin value of 25.19%, TOST perfoms like the industry average, outperforming 43.14% 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.
The number of shares outstanding for TOST has been increased compared to 1 year ago.
Compared to 5 years ago, TOST has more shares outstanding
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.
2.2 Solvency
TOST has an Altman-Z score of 17.75. This indicates that TOST is financially healthy and has little risk of bankruptcy at the moment.
TOST has a Altman-Z score of 17.75. This is amongst the best in the industry. TOST outperforms 96.08% of its industry peers.
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 | 17.75 |
ROIC/WACC1.02
WACC8.87%
2.3 Liquidity
A Current Ratio of 2.59 indicates that TOST has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 2.59, TOST is in the better half of the industry, outperforming 79.41% of the companies in the same industry.
TOST has a Quick Ratio of 2.48. This indicates that TOST is financially healthy and has no problem in meeting its short term obligations.
TOST has a Quick ratio of 2.48. This is in the better half of the industry: TOST outperforms 79.41% 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%.
TOST shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 49.46% yearly.
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
Based on estimates for the next years, TOST will show a very strong growth in Earnings Per Share. The EPS will grow by 121.52% on average per year.
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 132.66, which means the current valuation is very expensive for TOST.
79.41% of the companies in the same industry are cheaper than TOST, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of TOST to the average of the S&P500 Index (26.84), we can say TOST is valued expensively.
TOST is valuated quite expensively with a Price/Forward Earnings ratio of 52.92.
76.47% of the companies in the same industry are cheaper than TOST, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.48, TOST is valued quite expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 132.66 | ||
| Fwd PE | 52.92 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, TOST is valued a bit more expensive than 65.69% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of TOST is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 48.72 | ||
| EV/EBITDA | 88.39 |
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.
TOST's earnings are expected to grow with 245.70% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.08
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 |
42.45
-1.34 (-3.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners95.12%
Inst Owner Change3.55%
Ins Owners1.02%
Ins Owner Change-1.86%
Market Cap24.75B
Analysts75.88
Price Target50.48 (18.92%)
Short Float %5.37%
Short Ratio3.06
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)12.15%
PT rev (3m)20.21%
EPS NQ rev (1m)3.27%
EPS NQ rev (3m)9.73%
EPS NY rev (1m)8.49%
EPS NY rev (3m)4.95%
Revenue NQ rev (1m)1.25%
Revenue NQ rev (3m)-0.25%
Revenue NY rev (1m)0.96%
Revenue NY rev (3m)0.7%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 132.66 | ||
| Fwd PE | 52.92 | ||
| P/S | 4.48 | ||
| P/FCF | 48.72 | ||
| P/OCF | 44.35 | ||
| P/B | 13.61 | ||
| P/tB | 14.66 | ||
| EV/EBITDA | 88.39 |
EPS(TTM)0.32
EY0.75%
EPS(NY)0.8
Fwd EY1.89%
FCF(TTM)0.87
FCFY2.05%
OCF(TTM)0.96
OCFY2.25%
SpS9.49
BVpS3.12
TBVpS2.9
PEG (NY)0.08
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 | 17.75 |
F-Score8
WACC8.87%
ROIC/WACC1.02
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 Year720856%
EBIT Next 3Y2263.09%
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