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TOAST INC-CLASS A (TOST) Stock Fundamental Analysis

NYSE:TOST - New York Stock Exchange, Inc. - US8887871080 - Common Stock - Currency: USD

42.96  -1.36 (-3.07%)

Fundamental Rating

5

Taking everything into account, TOST scores 5 out of 10 in our fundamental rating. TOST was compared to 101 industry peers in the Financial Services industry. While TOST has a great health rating, there are worries on its profitability. TOST is valued quite expensively, but it does show have an excellent growth rating.


Dividend Valuation Growth Profitability Health

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2

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.
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.
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

With a Return On Assets value of 0.79%, TOST is not doing good in the industry: 61.39% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of 1.23%, TOST is doing worse than 71.29% of the companies in the same industry.
TOST has a Return On Invested Capital of 3.24%. This is comparable to the rest of the industry: TOST outperforms 53.47% of its industry peers.
Industry RankSector Rank
ROA 0.79%
ROE 1.23%
ROIC 3.24%
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 0.38% is on the low side compared to the rest of the industry. TOST is outperformed by 72.28% of its industry peers.
TOST's Operating Margin of 1.21% is on the low side compared to the rest of the industry. TOST is outperformed by 71.29% of its industry peers.
With a Gross Margin value of 23.99%, TOST perfoms like the industry average, outperforming 46.53% of the companies in the same industry.
TOST's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 1.21%
PM (TTM) 0.38%
GM 23.99%
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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8

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so TOST is destroying 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
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 19.60. This indicates that TOST is financially healthy and has little risk of bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 19.60, TOST belongs to the top of the industry, outperforming 98.02% 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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 19.6
ROIC/WACC0.36
WACC9.1%
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 2.44 indicates that TOST has no problem at all paying its short term obligations.
With an excellent Current ratio value of 2.44, TOST belongs to the best of the industry, outperforming 80.20% of the companies in the same industry.
TOST has a Quick Ratio of 2.29. This indicates that TOST is financially healthy and has no problem in meeting its short term obligations.
With an excellent Quick ratio value of 2.29, TOST belongs to the best of the industry, outperforming 81.19% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 2.44
Quick Ratio 2.29
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

The Earnings Per Share has grown by an impressive 144.68% over the past year.
TOST shows a strong growth in Revenue. In the last year, the Revenue has grown by 28.33%.
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)28.33%
Revenue growth 3Y42.75%
Revenue growth 5Y49.46%
Sales Q2Q%24.37%

3.2 Future

The Earnings Per Share is expected to grow by 121.80% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 18.15% on average over the next years. This is quite good.
EPS Next Y1678.11%
EPS Next 2Y419.06%
EPS Next 3Y245.87%
EPS Next 5Y121.8%
Revenue Next Year22.3%
Revenue Next 2Y21.18%
Revenue Next 3Y20.15%
Revenue Next 5Y18.15%

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.
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

A Price/Earnings ratio of 204.57 indicates a quite expensive valuation of TOST.
TOST's Price/Earnings ratio is rather expensive when compared to the industry. TOST is more expensive than 80.20% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.60, TOST is valued quite expensively.
With a Price/Forward Earnings ratio of 57.41, TOST can be considered very expensive at the moment.
Based on the Price/Forward Earnings ratio, TOST is valued a bit more expensive than the industry average as 76.24% of the companies are valued more cheaply.
TOST is valuated expensively when we compare the Price/Forward Earnings ratio to 22.43, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 204.57
Fwd PE 57.41
TOST Price Earnings VS Forward Price EarningsTOST Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 50 100 150 200

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, TOST is valued a bit more expensive than 69.31% 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 RankSector Rank
P/FCF 81.13
EV/EBITDA 223.41
TOST Per share dataTOST EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

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 245.87% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.12
PEG (5Y)N/A
EPS Next 2Y419.06%
EPS Next 3Y245.87%

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0

5. Dividend

5.1 Amount

No dividends for TOST!.
Industry RankSector Rank
Dividend Yield N/A

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TOAST INC-CLASS A

NYSE:TOST (5/21/2025, 3:33:10 PM)

42.96

-1.36 (-3.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-08 2025-05-08/amc
Earnings (Next)08-04 2025-08-04/amc
Inst Owners97.75%
Inst Owner Change3.45%
Ins Owners1.41%
Ins Owner Change-1.76%
Market Cap24.83B
Analysts75.56
Price Target41.99 (-2.26%)
Short Float %6.5%
Short Ratio3.91
Dividend
Industry RankSector 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)108.52%
Min EPS beat(2)-13.05%
Max EPS beat(2)230.1%
EPS beat(4)2
Avg EPS beat(4)103.99%
Min EPS beat(4)-13.05%
Max EPS beat(4)230.1%
EPS beat(8)5
Avg EPS beat(8)58.77%
EPS beat(12)8
Avg EPS beat(12)47.56%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-0.42%
Min Revenue beat(2)-0.84%
Max Revenue beat(2)0%
Revenue beat(4)1
Avg Revenue beat(4)0.02%
Min Revenue beat(4)-0.84%
Max Revenue beat(4)1.22%
Revenue beat(8)3
Avg Revenue beat(8)0.64%
Revenue beat(12)7
Avg Revenue beat(12)1.42%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-1.64%
PT rev (3m)2.9%
EPS NQ rev (1m)0%
EPS NQ rev (3m)76.7%
EPS NY rev (1m)1.6%
EPS NY rev (3m)20.32%
Revenue NQ rev (1m)0.07%
Revenue NQ rev (3m)-0.36%
Revenue NY rev (1m)-0.76%
Revenue NY rev (3m)-1.03%
Valuation
Industry RankSector Rank
PE 204.57
Fwd PE 57.41
P/S 5.01
P/FCF 81.13
P/OCF 68.96
P/B 16.07
P/tB 17.58
EV/EBITDA 223.41
EPS(TTM)0.21
EY0.49%
EPS(NY)0.75
Fwd EY1.74%
FCF(TTM)0.53
FCFY1.23%
OCF(TTM)0.62
OCFY1.45%
SpS8.58
BVpS2.67
TBVpS2.44
PEG (NY)0.12
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.79%
ROE 1.23%
ROCE 3.76%
ROIC 3.24%
ROICexc 28.79%
ROICexgc 110.25%
OM 1.21%
PM (TTM) 0.38%
GM 23.99%
FCFM 6.17%
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 Turnover2.06
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 117.39%
Cap/Sales 1.09%
Interest Coverage 250
Cash Conversion 339.62%
Profit Quality 1610.53%
Current Ratio 2.44
Quick Ratio 2.29
Altman-Z 19.6
F-Score9
WACC9.1%
ROIC/WACC0.36
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 Y1678.11%
EPS Next 2Y419.06%
EPS Next 3Y245.87%
EPS Next 5Y121.8%
Revenue 1Y (TTM)28.33%
Revenue growth 3Y42.75%
Revenue growth 5Y49.46%
Sales Q2Q%24.37%
Revenue Next Year22.3%
Revenue Next 2Y21.18%
Revenue Next 3Y20.15%
Revenue Next 5Y18.15%
EBIT growth 1Y120.91%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year679371%
EBIT Next 3Y2233.66%
EBIT Next 5Y618.42%
FCF growth 1Y229.03%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y166.67%
OCF growth 3Y464.62%
OCF growth 5YN/A