TOAST INC-CLASS A (TOST) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:TOST - US8887871080 - Common Stock
33.95 USD
+1.35 (+4.14%)
34.05 USD
+0.1 (+0.29%)
Taking everything into account, TOST scores 6 out of 10 in our fundamental rating. TOST was compared to 98 industry peers in the Financial Services industry. TOST is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. TOST is valued quite expensively, but it does show have an excellent growth rating.
1. Profitability
1.1 Basic Checks
In the past year TOST was profitable.
In the past year TOST had a positive cash flow from operations.
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
TOST's Return On Assets of 9.19% is amongst the best of the industry. TOST outperforms 86.87% of its industry peers.
The Return On Equity of TOST (13.56%) is better than 71.72% of its industry peers.
The Return On Invested Capital of TOST (10.36%) is better than 83.84% of its industry peers.
| 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
TOST's Profit Margin of 4.66% is on the low side compared to the rest of the industry. TOST is outperformed by 61.62% of its industry peers.
TOST has a Operating Margin of 4.22%. This is in the lower half of the industry: TOST underperforms 67.68% of its industry peers.
TOST has a Gross Margin (25.66%) which is in line with its industry peers.
TOST's Gross Margin has improved in the last couple of years.
| 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
TOST has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is 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.
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 14.65 indicates that TOST is not in any danger for bankruptcy at the moment.
With an excellent Altman-Z score value of 14.65, TOST belongs to the best of the industry, outperforming 94.95% 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 | 14.65 |
ROIC/WACC1.19
WACC8.7%
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 80.81% 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 80.81% 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.
Looking at the last year, TOST shows a very strong growth in Revenue. The Revenue has grown by 25.76%.
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
TOST is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 121.52% yearly.
TOST is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.69% yearly.
EPS Next Y1725.2%
EPS Next 2Y431.83%
EPS Next 3Y239.95%
EPS Next 5Y121.52%
Revenue Next Year23.07%
Revenue Next 2Y21.69%
Revenue Next 3Y19.97%
Revenue Next 5Y17.69%
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
Based on the Price/Earnings ratio of 78.95, the valuation of TOST can be described as expensive.
TOST's Price/Earnings ratio is a bit more expensive when compared to the industry. TOST is more expensive than 75.76% of the companies in the same industry.
TOST's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 25.47.
With a Price/Forward Earnings ratio of 43.05, TOST can be considered very expensive at the moment.
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 75.76% of the companies listed in the same industry.
TOST's Price/Forward Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 34.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 78.95 | ||
| Fwd PE | 43.05 |
4.2 Price Multiples
64.65% 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 | 35.09 | ||
| EV/EBITDA | 56.98 |
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 239.95% in the coming years.
PEG (NY)0.05
PEG (5Y)N/A
EPS Next 2Y431.83%
EPS Next 3Y239.95%
5. Dividend
5.1 Amount
TOST does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
33.95
+1.35 (+4.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners88.52%
Inst Owner Change-0.19%
Ins Owners1%
Ins Owner Change0.24%
Market Cap19.79B
Revenue(TTM)5.86B
Net Income(TTM)273.00M
Analysts77.14
Price Target48.09 (41.65%)
Short Float %5.51%
Short Ratio3.07
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)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)-6.09%
PT rev (3m)-4.73%
EPS NQ rev (1m)9.16%
EPS NQ rev (3m)6.12%
EPS NY rev (1m)-1.91%
EPS NY rev (3m)-1.88%
Revenue NQ rev (1m)1.35%
Revenue NQ rev (3m)1.22%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)0.02%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 78.95 | ||
| Fwd PE | 43.05 | ||
| P/S | 3.38 | ||
| P/FCF | 35.09 | ||
| P/OCF | 32.24 | ||
| P/B | 9.83 | ||
| P/tB | 10.5 | ||
| EV/EBITDA | 56.98 |
EPS(TTM)0.43
EY1.27%
EPS(NY)0.79
Fwd EY2.32%
FCF(TTM)0.97
FCFY2.85%
OCF(TTM)1.05
OCFY3.1%
SpS10.05
BVpS3.45
TBVpS3.23
PEG (NY)0.05
PEG (5Y)N/A
Graham Number5.78
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 | 14.65 |
F-Score7
WACC8.7%
ROIC/WACC1.19
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 Y1725.2%
EPS Next 2Y431.83%
EPS Next 3Y239.95%
EPS Next 5Y121.52%
Revenue 1Y (TTM)25.76%
Revenue growth 3Y42.75%
Revenue growth 5Y49.46%
Sales Q2Q%25.13%
Revenue Next Year23.07%
Revenue Next 2Y21.69%
Revenue Next 3Y19.97%
Revenue Next 5Y17.69%
EBIT growth 1Y982.14%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year737810%
EBIT Next 3Y2272.74%
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 1725.2% in the next year.