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%)
36.3984 USD
+0.18 (+0.49%)
Taking everything into account, TOST scores 6 out of 10 in our fundamental rating. TOST was compared to 99 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.
The reported operating cash flow has been mixed in the past 5 years: TOST reported negative operating cash flow in multiple years.
1.2 Ratios
The Return On Assets of TOST (9.19%) is better than 85.86% of its industry peers.
Looking at the Return On Equity, with a value of 13.56%, TOST is in the better half of the industry, outperforming 71.72% of the companies in the same industry.
With an excellent Return On Invested Capital value of 10.36%, TOST belongs to the best of the industry, outperforming 83.84% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
With a Profit Margin value of 4.66%, TOST perfoms like the industry average, outperforming 40.40% of the companies in the same industry.
TOST has a Operating Margin of 4.22%. This is in the lower half of the industry: TOST underperforms 64.65% of its industry peers.
TOST has a Gross Margin (25.66%) which is in line with its industry peers.
In the last couple of years the Gross Margin of TOST has grown nicely.
| Industry Rank | Sector 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%
2. Health
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.
TOST has more shares outstanding than it did 1 year ago.
TOST has more shares outstanding than it did 5 years ago.
TOST has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
TOST has an Altman-Z score of 15.60. This indicates that TOST is financially healthy and has little risk of bankruptcy at the moment.
With an excellent Altman-Z score value of 15.60, TOST belongs to the best of the industry, outperforming 95.96% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 15.6 |
ROIC/WACC1.18
WACC8.8%
2.3 Liquidity
A Current Ratio of 2.74 indicates that TOST has no problem at all paying its short term obligations.
TOST's Current ratio of 2.74 is amongst the best of the industry. TOST outperforms 80.81% of its industry peers.
A Quick Ratio of 2.62 indicates that TOST has no problem at all paying its short term obligations.
TOST has a Quick ratio of 2.62. This is amongst the best in the industry. TOST outperforms 80.81% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.74 | ||
| Quick Ratio | 2.62 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 386.67% over the past year.
The Revenue has grown by 25.76% in the past year. This is a very strong growth!
Measured over the past years, TOST shows a very strong growth in Revenue. The Revenue has been growing by 49.46% on average per year.
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
The Earnings Per Share is expected to grow by 121.52% on average over the next years. This is a very strong growth
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
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 84.23, TOST can be considered very expensive at the moment.
Based on the Price/Earnings ratio, TOST is valued a bit more expensive than 73.74% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.39. TOST is valued rather expensively when compared to this.
With a Price/Forward Earnings ratio of 46.53, TOST can be considered very expensive at the moment.
Based on the Price/Forward Earnings ratio, TOST is valued a bit more expensive than 74.75% of the companies in the same industry.
TOST is valuated expensively when we compare the Price/Forward Earnings ratio to 23.84, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 84.23 | ||
| Fwd PE | 46.53 |
4.2 Price Multiples
63.64% of the companies in the same industry are cheaper than TOST, based on the Enterprise Value to EBITDA ratio.
The rest of the industry has a similar Price/Free Cash Flow ratio as TOST.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 37.76 | ||
| EV/EBITDA | 61.9 |
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 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%
5. Dividend
5.1 Amount
TOST does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
36.22
-0.4 (-1.09%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners87.75%
Inst Owner Change-0.15%
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 Rank | Sector 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)-1.65%
EPS NQ rev (3m)7.29%
EPS NY rev (1m)10.6%
EPS NY rev (3m)8.53%
Revenue NQ rev (1m)-0.18%
Revenue NQ rev (3m)1.1%
Revenue NY rev (1m)1.05%
Revenue NY rev (3m)1.07%
Valuation
| Industry Rank | Sector 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 | 61.9 |
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 Rank | Sector 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 Rank | Sector 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 | 15.6 |
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.