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TOAST INC-CLASS A (TOST) Stock Fundamental Analysis

USA - New York Stock Exchange - NYSE:TOST - US8887871080 - Common Stock

36.22 USD
-0.4 (-1.09%)
Last: 12/19/2025, 8:18:53 PM
36.3984 USD
+0.18 (+0.49%)
After Hours: 12/19/2025, 8:18:53 PM
Fundamental Rating

6

TOST gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 97 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 expensively, but it does show have an excellent growth rating.


Dividend Valuation Growth Profitability Health

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4

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.
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.
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 0 200M -200M -400M

1.2 Ratios

The Return On Assets of TOST (9.19%) is better than 85.57% of its industry peers.
TOST's Return On Equity of 13.56% is fine compared to the rest of the industry. TOST outperforms 71.13% of its industry peers.
With an excellent Return On Invested Capital value of 10.36%, TOST belongs to the best of the industry, outperforming 83.51% of the companies in the same industry.
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
TOST Yearly ROA, ROE, ROICTOST Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 0 -50 -100 -150

1.3 Margins

TOST's Profit Margin of 4.66% is on the low side compared to the rest of the industry. TOST is outperformed by 60.82% of its industry peers.
The Operating Margin of TOST (4.22%) is worse than 65.98% of its industry peers.
TOST's Gross Margin of 25.66% is in line compared to the rest of the industry. TOST outperforms 46.39% of its industry peers.
In the last couple of years the Gross Margin of TOST 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%
TOST Yearly Profit, Operating, Gross MarginsTOST 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

With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), TOST is creating some value.
TOST has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, TOST has more shares outstanding
TOST has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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 15.74. This indicates that TOST is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of TOST (15.74) is better 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 15.74
ROIC/WACC1.18
WACC8.8%
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 0 500M 1B 1.5B

2.3 Liquidity

A Current Ratio of 2.74 indicates that TOST has no problem at all paying its short term obligations.
With an excellent Current ratio value of 2.74, TOST belongs to the best of the industry, outperforming 80.41% of the companies in the same industry.
TOST has a Quick Ratio of 2.62. This indicates that TOST is financially healthy and has no problem in meeting its short term obligations.
The Quick ratio of TOST (2.62) is better than 80.41% of its industry peers.
Industry RankSector Rank
Current Ratio 2.74
Quick Ratio 2.62
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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7

3. Growth

3.1 Past

TOST shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 386.67%, which is quite impressive.
Looking at the last year, TOST shows a very strong growth in Revenue. The Revenue has grown by 25.76%.
TOST shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 49.46% yearly.
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, 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 18.17% on average over the next years. This is quite good.
EPS Next Y1897.48%
EPS Next 2Y428.67%
EPS Next 3Y235.41%
EPS Next 5Y121.52%
Revenue Next Year24.36%
Revenue Next 2Y22.39%
Revenue Next 3Y21.02%
Revenue Next 5Y18.17%

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 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. Valuation

4.1 Price/Earnings Ratio

TOST is valuated quite expensively with a Price/Earnings ratio of 84.23.
Based on the Price/Earnings ratio, TOST is valued a bit more expensive than 75.26% of the companies in the same industry.
When comparing the Price/Earnings ratio of TOST to the average of the S&P500 Index (26.38), we can say TOST is valued expensively.
The Price/Forward Earnings ratio is 46.53, which means the current valuation is very expensive for TOST.
Based on the Price/Forward Earnings ratio, TOST is valued a bit more expensive than the industry average as 76.29% of the companies are valued more cheaply.
TOST's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 23.83.
Industry RankSector Rank
PE 84.23
Fwd PE 46.53
TOST Price Earnings VS Forward Price EarningsTOST Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, TOST is valued a bit more expensive than the industry average as 64.95% of the companies are valued more cheaply.
The rest of the industry has a similar Price/Free Cash Flow ratio as TOST.
Industry RankSector Rank
P/FCF 37.76
EV/EBITDA 62.67
TOST Per share dataTOST 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.
TOST's earnings are expected to grow with 235.41% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.04
PEG (5Y)N/A
EPS Next 2Y428.67%
EPS Next 3Y235.41%

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0

5. Dividend

5.1 Amount

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

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TOAST INC-CLASS A

NYSE:TOST (12/19/2025, 8:18:53 PM)

After market: 36.3984 +0.18 (+0.49%)

36.22

-0.4 (-1.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-04 2025-11-04/amc
Earnings (Next)02-23 2026-02-23/amc
Inst Owners87.75%
Inst Owner Change-0.14%
Ins Owners1%
Ins Owner Change0.19%
Market Cap21.30B
Revenue(TTM)5.86B
Net Income(TTM)273.00M
Analysts76.47
Price Target48.26 (33.24%)
Short Float %5.71%
Short Ratio3.34
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)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)-2.68%
PT rev (3m)-4.4%
EPS NQ rev (1m)5.43%
EPS NQ rev (3m)6.85%
EPS NY rev (1m)10.6%
EPS NY rev (3m)8.53%
Revenue NQ rev (1m)0.06%
Revenue NQ rev (3m)1.1%
Revenue NY rev (1m)1.05%
Revenue NY rev (3m)1.07%
Valuation
Industry RankSector Rank
PE 84.23
Fwd PE 46.53
P/S 3.64
P/FCF 37.76
P/OCF 34.69
P/B 10.57
P/tB 11.3
EV/EBITDA 62.67
EPS(TTM)0.43
EY1.19%
EPS(NY)0.78
Fwd EY2.15%
FCF(TTM)0.96
FCFY2.65%
OCF(TTM)1.04
OCFY2.88%
SpS9.96
BVpS3.43
TBVpS3.21
PEG (NY)0.04
PEG (5Y)N/A
Graham Number5.76
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 15.74
F-Score7
WACC8.8%
ROIC/WACC1.18
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 Y1897.48%
EPS Next 2Y428.67%
EPS Next 3Y235.41%
EPS Next 5Y121.52%
Revenue 1Y (TTM)25.76%
Revenue growth 3Y42.75%
Revenue growth 5Y49.46%
Sales Q2Q%25.13%
Revenue Next Year24.36%
Revenue Next 2Y22.39%
Revenue Next 3Y21.02%
Revenue Next 5Y18.17%
EBIT growth 1Y982.14%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year795387%
EBIT Next 3Y2274.95%
EBIT Next 5Y622.41%
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 / TOST FAQ

What is the fundamental rating for TOST stock?

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


What is the valuation status for TOST stock?

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 4 / 10.


How financially healthy is TOAST INC-CLASS A?

The financial health rating of TOAST INC-CLASS A (TOST) is 9 / 10.


Can you provide the expected EPS growth for TOST stock?

The Earnings per Share (EPS) of TOAST INC-CLASS A (TOST) is expected to grow by 1897.48% in the next year.