TOAST INC-CLASS A (TOST) Stock Fundamental Analysis
NYSE:TOST - New York Stock Exchange, Inc. - US8887871080 - Common Stock - Currency: USD
Overall TOST gets a fundamental rating of 5 out of 10. We evaluated TOST against 100 industry peers in the Financial Services industry. No worries on liquidiy or solvency for TOST as it has an excellent financial health rating, but there are worries on the profitability. 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.
In multiple years TOST reported negative operating cash flow during the last 5 years.
1.2 Ratios
TOST's Return On Assets of 6.16% is fine compared to the rest of the industry. TOST outperforms 79.00% of its industry peers.
TOST has a Return On Equity (9.44%) which is comparable to the rest of the industry.
TOST's Return On Invested Capital of 6.28% is fine compared to the rest of the industry. TOST outperforms 72.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.16% | ||
| ROE | 9.44% | ||
| ROIC | 6.28% |
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 3.03%, TOST is doing worse than 66.00% of the companies in the same industry.
TOST has a Operating Margin of 2.39%. This is in the lower half of the industry: TOST underperforms 73.00% of its industry peers.
The Gross Margin of TOST (24.65%) is comparable to the rest of the industry.
In the last couple of years the Gross Margin of TOST has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 2.39% | ||
| PM (TTM) | 3.03% | ||
| GM | 24.65% |
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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so TOST is destroying value.
TOST has more shares outstanding than it did 1 year ago.
The number of shares outstanding for TOST has been increased compared to 5 years ago.
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 20.09. This indicates that TOST is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of TOST (20.09) is better than 96.00% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 20.09 |
ROIC/WACC0.69
WACC9.08%
2.3 Liquidity
A Current Ratio of 2.51 indicates that TOST has no problem at all paying its short term obligations.
The Current ratio of TOST (2.51) is better than 79.00% of its industry peers.
A Quick Ratio of 2.38 indicates that TOST has no problem at all paying its short term obligations.
TOST has a better Quick ratio (2.38) than 80.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.51 | ||
| Quick Ratio | 2.38 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 144.68% over the past year.
The Revenue has grown by 26.72% in the past year. This is a very strong growth!
The Revenue has been growing by 49.46% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)144.68%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%160%
Revenue 1Y (TTM)26.72%
Revenue growth 3Y42.75%
Revenue growth 5Y49.46%
Sales Q2Q%24.37%
3.2 Future
The Earnings Per Share is expected to grow by 121.52% on average over the next years. This is a very strong growth
TOST is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.21% yearly.
EPS Next Y1626.6%
EPS Next 2Y414.43%
EPS Next 3Y237.73%
EPS Next 5Y121.52%
Revenue Next Year21.96%
Revenue Next 2Y20.95%
Revenue Next 3Y19.9%
Revenue Next 5Y18.21%
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
A Price/Earnings ratio of 221.52 indicates a quite expensive valuation of TOST.
Compared to the rest of the industry, the Price/Earnings ratio of TOST indicates a rather expensive valuation: TOST more expensive than 81.00% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of TOST to the average of the S&P500 Index (27.54), we can say TOST is valued expensively.
The Price/Forward Earnings ratio is 63.39, which means the current valuation is very expensive for TOST.
Compared to the rest of the industry, the Price/Forward Earnings ratio of TOST indicates a slightly more expensive valuation: TOST is more expensive than 79.00% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of TOST to the average of the S&P500 Index (36.44), we can say TOST is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 221.52 | ||
| Fwd PE | 63.39 |
4.2 Price Multiples
71.00% of the companies in the same industry are cheaper than TOST, based on the Enterprise Value to EBITDA ratio.
TOST's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 66.02 | ||
| EV/EBITDA | 139.45 |
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 237.72% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.14
PEG (5Y)N/A
EPS Next 2Y414.43%
EPS Next 3Y237.73%
5. Dividend
5.1 Amount
No dividends for TOST!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
46.52
-0.1 (-0.21%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners93.43%
Inst Owner Change0.04%
Ins Owners1.02%
Ins Owner Change-1.82%
Market Cap26.94B
Analysts75.56
Price Target45.01 (-3.25%)
Short Float %7.2%
Short Ratio4.28
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)1
Avg EPS beat(2)-5.01%
Min EPS beat(2)-13.05%
Max EPS beat(2)3.04%
EPS beat(4)3
Avg EPS beat(4)106.42%
Min EPS beat(4)-13.05%
Max EPS beat(4)230.1%
EPS beat(8)5
Avg EPS beat(8)57.29%
EPS beat(12)8
Avg EPS beat(12)45.23%
EPS beat(16)N/A
Avg EPS beat(16)N/A
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)-0.91%
Min Revenue beat(4)-2.48%
Max Revenue beat(4)0%
Revenue beat(8)2
Avg Revenue beat(8)-0.3%
Revenue beat(12)6
Avg Revenue beat(12)0.64%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)2.34%
PT rev (3m)5.43%
EPS NQ rev (1m)-0.7%
EPS NQ rev (3m)7.09%
EPS NY rev (1m)-0.26%
EPS NY rev (3m)-1.72%
Revenue NQ rev (1m)-0.26%
Revenue NQ rev (3m)-1.02%
Revenue NY rev (1m)-0.15%
Revenue NY rev (3m)-1.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 221.52 | ||
| Fwd PE | 63.39 | ||
| P/S | 5.16 | ||
| P/FCF | 66.02 | ||
| P/OCF | 58.68 | ||
| P/B | 16.1 | ||
| P/tB | 17.48 | ||
| EV/EBITDA | 139.45 |
EPS(TTM)0.21
EY0.45%
EPS(NY)0.73
Fwd EY1.58%
FCF(TTM)0.7
FCFY1.51%
OCF(TTM)0.79
OCFY1.7%
SpS9.02
BVpS2.89
TBVpS2.66
PEG (NY)0.14
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.16% | ||
| ROE | 9.44% | ||
| ROCE | 7.27% | ||
| ROIC | 6.28% | ||
| ROICexc | 46.73% | ||
| ROICexgc | 109.05% | ||
| OM | 2.39% | ||
| PM (TTM) | 3.03% | ||
| GM | 24.65% | ||
| FCFM | 7.81% |
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-Score9
Asset Turnover2.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 94.44% | ||
| Cap/Sales | 0.98% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 256.43% | ||
| Profit Quality | 258.23% | ||
| Current Ratio | 2.51 | ||
| Quick Ratio | 2.38 | ||
| Altman-Z | 20.09 |
F-Score9
WACC9.08%
ROIC/WACC0.69
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)144.68%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%160%
EPS Next Y1626.6%
EPS Next 2Y414.43%
EPS Next 3Y237.73%
EPS Next 5Y121.52%
Revenue 1Y (TTM)26.72%
Revenue growth 3Y42.75%
Revenue growth 5Y49.46%
Sales Q2Q%24.37%
Revenue Next Year21.96%
Revenue Next 2Y20.95%
Revenue Next 3Y19.9%
Revenue Next 5Y18.21%
EBIT growth 1Y159.52%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year713540%
EBIT Next 3Y2270.52%
EBIT Next 5Y622.41%
FCF growth 1Y300%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y379.88%
OCF growth 3Y464.62%
OCF growth 5YN/A