TOAST INC-CLASS A (TOST) Stock Fundamental Analysis
NYSE:TOST - New York Stock Exchange, Inc. - US8887871080 - Common Stock - Currency: USD
TOST gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 99 industry peers in the Financial Services industry. TOST has a great financial health rating, but its profitability evaluates not so good. 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.
In the past 5 years TOST reported 4 times negative net income.
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
Looking at the Return On Assets, with a value of 6.16%, TOST is in the better half of the industry, outperforming 79.80% of the companies in the same industry.
TOST has a Return On Equity (9.44%) which is comparable to the rest of the industry.
TOST has a better Return On Invested Capital (6.28%) than 71.72% 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
TOST has a worse Profit Margin (3.03%) than 66.67% of its industry peers.
TOST's Operating Margin of 2.39% is on the low side compared to the rest of the industry. TOST is outperformed by 73.74% of its industry peers.
With a Gross Margin value of 24.65%, TOST perfoms like the industry average, outperforming 44.44% of the companies in the same industry.
TOST's Gross Margin has improved in the last couple of years.
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), TOST is destroying value.
Compared to 1 year ago, TOST has more shares outstanding
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
An Altman-Z score of 18.15 indicates that TOST is not in any danger for bankruptcy at the moment.
TOST has a Altman-Z score of 18.15. This is amongst the best in the industry. TOST outperforms 94.95% 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 | 18.15 |
ROIC/WACC0.69
WACC9.05%
2.3 Liquidity
A Current Ratio of 2.51 indicates that TOST has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 2.51, TOST is in the better half of the industry, outperforming 79.80% of the companies in the same industry.
TOST has a Quick Ratio of 2.38. This indicates that TOST is financially healthy and has no problem in meeting its short term obligations.
TOST's Quick ratio of 2.38 is amongst the best of the industry. TOST outperforms 80.81% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.51 | ||
| Quick Ratio | 2.38 |
3. Growth
3.1 Past
TOST shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 144.68%, which is quite impressive.
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 Y1678.11%
EPS Next 2Y419.06%
EPS Next 3Y245.87%
EPS Next 5Y121.52%
Revenue Next Year22.2%
Revenue Next 2Y21.12%
Revenue Next 3Y19.83%
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
With a Price/Earnings ratio of 203.26, TOST can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Earnings ratio of TOST indicates a rather expensive valuation: TOST more expensive than 81.82% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.32, TOST is valued quite expensively.
TOST is valuated quite expensively with a Price/Forward Earnings ratio of 57.04.
Based on the Price/Forward Earnings ratio, TOST is valued a bit more expensive than the industry average as 77.78% 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 22.13.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 203.26 | ||
| Fwd PE | 57.04 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, TOST is valued a bit more expensive than the industry average as 71.72% of the companies are valued more cheaply.
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 | 60.58 | ||
| EV/EBITDA | 123.34 |
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.
A more expensive valuation may be justified as TOST's earnings are expected to grow with 245.87% in the coming years.
PEG (NY)0.12
PEG (5Y)N/A
EPS Next 2Y419.06%
EPS Next 3Y245.87%
5. Dividend
5.1 Amount
No dividends for TOST!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:TOST (6/16/2025, 11:47:06 AM)
42.685
+1.15 (+2.76%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners93.43%
Inst Owner Change3.62%
Ins Owners1.02%
Ins Owner Change-1.7%
Market Cap24.71B
Analysts75.43
Price Target43.98 (3.03%)
Short Float %7.03%
Short Ratio4.23
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)4.74%
PT rev (3m)1.97%
EPS NQ rev (1m)-3.83%
EPS NQ rev (3m)16.55%
EPS NY rev (1m)0%
EPS NY rev (3m)21.01%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.89%
Revenue NY rev (1m)-0.08%
Revenue NY rev (3m)-0.94%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 203.26 | ||
| Fwd PE | 57.04 | ||
| P/S | 4.73 | ||
| P/FCF | 60.58 | ||
| P/OCF | 53.84 | ||
| P/B | 14.77 | ||
| P/tB | 16.04 | ||
| EV/EBITDA | 123.34 |
EPS(TTM)0.21
EY0.49%
EPS(NY)0.75
Fwd EY1.75%
FCF(TTM)0.7
FCFY1.65%
OCF(TTM)0.79
OCFY1.86%
SpS9.02
BVpS2.89
TBVpS2.66
PEG (NY)0.12
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 | 18.15 |
F-Score9
WACC9.05%
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 Y1678.11%
EPS Next 2Y419.06%
EPS Next 3Y245.87%
EPS Next 5Y121.52%
Revenue 1Y (TTM)26.72%
Revenue growth 3Y42.75%
Revenue growth 5Y49.46%
Sales Q2Q%24.37%
Revenue Next Year22.2%
Revenue Next 2Y21.12%
Revenue Next 3Y19.83%
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