TOAST INC-CLASS A (TOST) Stock Fundamental Analysis
USA - NYSE:TOST - US8887871080 - Common Stock
36.905 USD
-0.62 (-1.67%)
Overall TOST gets a fundamental rating of 6 out of 10. We evaluated TOST against 101 industry peers in the Financial Services industry. TOST has an excellent financial health rating, but there are some minor concerns on its profitability. TOST shows excellent growth, but is valued quite expensive already.
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.
TOST had negative earnings in 4 of the past 5 years.
In multiple years TOST reported negative operating cash flow during the last 5 years.
1.2 Ratios
TOST has a Return On Assets of 8.10%. This is amongst the best in the industry. TOST outperforms 86.14% of its industry peers.
TOST has a better Return On Equity (12.32%) than 64.36% of its industry peers.
Looking at the Return On Invested Capital, with a value of 9.08%, TOST belongs to the top of the industry, outperforming 80.20% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.1% | ||
| ROE | 12.32% | ||
| ROIC | 9.08% |
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
The Profit Margin of TOST (4.05%) is comparable to the rest of the industry.
The Operating Margin of TOST (3.56%) is worse than 68.32% of its industry peers.
TOST has a Gross Margin (25.19%) 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 | 3.56% | ||
| PM (TTM) | 4.05% | ||
| GM | 25.19% |
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.
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
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 15.94. This indicates that TOST is financially healthy and has little risk of bankruptcy at the moment.
TOST has a better Altman-Z score (15.94) than 97.03% 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 | 15.94 |
ROIC/WACC1.04
WACC8.76%
2.3 Liquidity
TOST has a Current Ratio of 2.59. This indicates that TOST is financially healthy and has no problem in meeting its short term obligations.
TOST's Current ratio of 2.59 is amongst the best of the industry. TOST outperforms 80.20% of its industry peers.
TOST has a Quick Ratio of 2.48. This indicates that TOST is financially healthy and has no problem in meeting its short term obligations.
TOST has a better Quick ratio (2.48) than 80.20% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.59 | ||
| Quick Ratio | 2.48 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 223.08% over the past year.
Looking at the last year, TOST shows a very strong growth in Revenue. The Revenue has grown by 26.11%.
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)223.08%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%550%
Revenue 1Y (TTM)26.11%
Revenue growth 3Y42.75%
Revenue growth 5Y49.46%
Sales Q2Q%24.8%
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.
Based on estimates for the next years, TOST will show a quite strong growth in Revenue. The Revenue will grow by 17.69% on average per year.
EPS Next Y1756.28%
EPS Next 2Y436.08%
EPS Next 3Y245.7%
EPS Next 5Y121.52%
Revenue Next Year23.05%
Revenue Next 2Y21.62%
Revenue Next 3Y19.76%
Revenue Next 5Y17.69%
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 115.33, TOST can be considered very expensive at the moment.
Based on the Price/Earnings ratio, TOST is valued a bit more expensive than the industry average as 77.23% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of TOST to the average of the S&P500 Index (27.29), we can say TOST is valued expensively.
The Price/Forward Earnings ratio is 46.01, which means the current valuation is very expensive for TOST.
Based on the Price/Forward Earnings ratio, TOST is valued a bit more expensive than 76.24% of the companies in the same industry.
TOST is valuated expensively when we compare the Price/Forward Earnings ratio to 22.80, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 115.33 | ||
| Fwd PE | 46.01 |
4.2 Price Multiples
TOST's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. TOST is more expensive than 66.34% of the companies in the same industry.
TOST's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 42.35 | ||
| EV/EBITDA | 77.14 |
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 245.70% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.07
PEG (5Y)N/A
EPS Next 2Y436.08%
EPS Next 3Y245.7%
5. Dividend
5.1 Amount
No dividends for TOST!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:TOST (9/25/2025, 2:49:08 PM)
36.905
-0.62 (-1.67%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners95.12%
Inst Owner Change3.55%
Ins Owners1.02%
Ins Owner Change-1.08%
Market Cap21.52B
Analysts75.88
Price Target50.48 (36.78%)
Short Float %5.84%
Short Ratio3.22
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)6.93%
Min EPS beat(2)3.04%
Max EPS beat(2)10.83%
EPS beat(4)3
Avg EPS beat(4)57.73%
Min EPS beat(4)-13.05%
Max EPS beat(4)230.1%
EPS beat(8)6
Avg EPS beat(8)62.65%
EPS beat(12)8
Avg EPS beat(12)43.05%
EPS beat(16)12
Avg EPS beat(16)42.36%
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)-0.83%
Min Revenue beat(4)-2.48%
Max Revenue beat(4)0%
Revenue beat(8)1
Avg Revenue beat(8)-0.53%
Revenue beat(12)5
Avg Revenue beat(12)0.5%
Revenue beat(16)9
Avg Revenue beat(16)1.81%
PT rev (1m)10.07%
PT rev (3m)14.78%
EPS NQ rev (1m)0.64%
EPS NQ rev (3m)7.93%
EPS NY rev (1m)0%
EPS NY rev (3m)4.95%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.94%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.78%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 115.33 | ||
| Fwd PE | 46.01 | ||
| P/S | 3.89 | ||
| P/FCF | 42.35 | ||
| P/OCF | 38.56 | ||
| P/B | 11.83 | ||
| P/tB | 12.75 | ||
| EV/EBITDA | 77.14 |
EPS(TTM)0.32
EY0.87%
EPS(NY)0.8
Fwd EY2.17%
FCF(TTM)0.87
FCFY2.36%
OCF(TTM)0.96
OCFY2.59%
SpS9.49
BVpS3.12
TBVpS2.9
PEG (NY)0.07
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.1% | ||
| ROE | 12.32% | ||
| ROCE | 10.52% | ||
| ROIC | 9.08% | ||
| ROICexc | 99.49% | ||
| ROICexgc | 414.97% | ||
| OM | 3.56% | ||
| PM (TTM) | 4.05% | ||
| GM | 25.19% | ||
| FCFM | 9.19% |
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-Score8
Asset Turnover2
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 86.21% | ||
| Cap/Sales | 0.9% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 218.82% | ||
| Profit Quality | 226.79% | ||
| Current Ratio | 2.59 | ||
| Quick Ratio | 2.48 | ||
| Altman-Z | 15.94 |
F-Score8
WACC8.76%
ROIC/WACC1.04
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)223.08%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%550%
EPS Next Y1756.28%
EPS Next 2Y436.08%
EPS Next 3Y245.7%
EPS Next 5Y121.52%
Revenue 1Y (TTM)26.11%
Revenue growth 3Y42.75%
Revenue growth 5Y49.46%
Sales Q2Q%24.8%
Revenue Next Year23.05%
Revenue Next 2Y21.62%
Revenue Next 3Y19.76%
Revenue Next 5Y17.69%
EBIT growth 1Y262.81%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year720856%
EBIT Next 3Y2263.09%
EBIT Next 5Y622.41%
FCF growth 1Y476.3%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y700%
OCF growth 3Y464.62%
OCF growth 5YN/A