(TOST) Toast - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US8887871080
Stock: POS, Payroll, Inventory, Payments, Analytics
Total Rating 38
Risk 67
Buy Signal -1.30
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 56.6% |
| Relative Tail Risk | -3.12% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.55 |
| Alpha | -51.09 |
| Character TTM | |
|---|---|
| Beta | 1.476 |
| Beta Downside | 1.533 |
| Drawdowns 3y | |
|---|---|
| Max DD | 48.39% |
| CAGR/Max DD | 0.14 |
Description: TOST Toast December 19, 2025
Toast, Inc. (NYSE: TOST) runs a cloud-based platform that equips U.S., Irish, Indian, and other international restaurants with an integrated suite of point-of-sale, back-office, and fintech tools-including Toast POS, kitchen display, mobile ordering, payroll, inventory automation (xtraCHEF), and multi-location management. The company, originally incorporated as Opti Systems in 2011 and rebranded in 2012, is headquartered in Boston, Massachusetts, and is classified under the “Transaction & Payment Processing Services” sub-industry.
Key operating metrics that signal growth potential include FY 2023 revenue of $1.6 billion (≈ 30 % YoY increase), subscription-based ARR surpassing $250 million, and a gross margin expansion to 70 % driven by higher-margin software subscriptions versus hardware. The restaurant sector’s labor shortage and accelerating consumer demand for contactless ordering are macro-drivers that boost adoption of Toast’s SaaS and fintech solutions, while competitive pressure from Square, Lightspeed, and NCR remains a material risk.
For a deeper, data-driven assessment of Toast’s valuation relative to peers, you may find ValueRay’s analytical dashboards useful.
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income: 273.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.19 > 0.02 and ΔFCF/TA 7.62 > 1.0 |
| NWC/Revenue: 25.52% < 20% (prev 21.12%; Δ 4.40% < -1%) |
| CFO/TA 0.21 > 3% & CFO 614.0m > Net Income 273.0m |
| Net Debt (-1.34b) to EBITDA (326.0m): -4.11 < 3 |
| Current Ratio: 2.64 > 1.5 & < 3 |
| Outstanding Shares: last quarter (609.0m) vs 12m ago 3.22% < -2% |
| Gross Margin: 25.66% > 18% (prev 0.23%; Δ 2542 % > 0.5%) |
| Asset Turnover: 225.4% > 50% (prev 209.2%; Δ 16.23% > 0%) |
| Interest Coverage Ratio: -26.70 > 6 (EBITDA TTM 326.0m / Interest Expense TTM -10.0m) |
Altman Z'' 1.03
| A: 0.50 (Total Current Assets 2.41b - Total Current Liabilities 911.0m) / Total Assets 2.97b |
| B: -0.46 (Retained Earnings -1.36b / Total Assets 2.97b) |
| C: 0.10 (EBIT TTM 267.0m / Avg Total Assets 2.60b) |
| D: -1.40 (Book Value of Equity -1.34b / Total Liabilities 957.0m) |
| Altman-Z'' Score: 1.03 = BB |
Beneish M -3.47
| DSRI: 0.55 (Receivables 121.0m/174.0m, Revenue 5.86b/4.66b) |
| GMI: 0.91 (GM 25.66% / 23.25%) |
| AQI: 0.90 (AQ_t 0.15 / AQ_t-1 0.17) |
| SGI: 1.26 (Revenue 5.86b / 4.66b) |
| TATA: -0.11 (NI 273.0m - CFO 614.0m) / TA 2.97b) |
| Beneish M-Score: -3.47 (Cap -4..+1) = AA |
What is the price of TOST shares?
As of February 06, 2026, the stock is trading at USD 28.32 with a total of 22,148,175 shares traded.
Over the past week, the price has changed by -11.11%, over one month by -17.91%, over three months by -20.54% and over the past year by -27.83%.
Over the past week, the price has changed by -11.11%, over one month by -17.91%, over three months by -20.54% and over the past year by -27.83%.
Is TOST a buy, sell or hold?
Toast has received a consensus analysts rating of 3.81.
Therefore, it is recommended to buy TOST.
- StrongBuy: 12
- Buy: 3
- Hold: 16
- Sell: 1
- StrongSell: 0
What are the forecasts/targets for the TOST price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 46.4 | 63.8% |
| Analysts Target Price | 46.4 | 63.8% |
| ValueRay Target Price | 26.2 | -7.7% |
TOST Fundamental Data Overview February 05, 2026
P/E Trailing = 64.2045
P/E Forward = 21.8818
P/S = 2.8356
P/B = 8.2478
P/EG = 0.2473
Revenue TTM = 5.86b USD
EBIT TTM = 267.0m USD
EBITDA TTM = 326.0m USD
Long Term Debt = 18.0m USD (from capitalLeaseObligations, last quarter)
Short Term Debt = 10.0m USD (from shortTermDebt, last fiscal year)
Debt = 18.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.34b USD (from netDebt column, last quarter)
Enterprise Value = 14.77b USD (16.61b + Debt 18.0m - CCE 1.86b)
Interest Coverage Ratio = -26.70 (Ebit TTM 267.0m / Interest Expense TTM -10.0m)
EV/FCF = 26.19x (Enterprise Value 14.77b / FCF TTM 564.0m)
FCF Yield = 3.82% (FCF TTM 564.0m / Enterprise Value 14.77b)
FCF Margin = 9.63% (FCF TTM 564.0m / Revenue TTM 5.86b)
Net Margin = 4.66% (Net Income TTM 273.0m / Revenue TTM 5.86b)
Gross Margin = 25.66% ((Revenue TTM 5.86b - Cost of Revenue TTM 4.36b) / Revenue TTM)
Gross Margin QoQ = 26.45% (prev 25.29%)
Tobins Q-Ratio = 4.97 (Enterprise Value 14.77b / Total Assets 2.97b)
Interest Expense / Debt = 161.1% (Interest Expense 29.0m / Debt 18.0m)
Taxrate = 13.64% (3.00m / 22.0m)
NOPAT = 230.6m (EBIT 267.0m * (1 - 13.64%))
Current Ratio = 2.64 (Total Current Assets 2.41b / Total Current Liabilities 911.0m)
Debt / Equity = 0.01 (Debt 18.0m / totalStockholderEquity, last quarter 2.01b)
Debt / EBITDA = -4.11 (Net Debt -1.34b / EBITDA 326.0m)
Debt / FCF = -2.37 (Net Debt -1.34b / FCF TTM 564.0m)
Total Stockholder Equity = 1.76b (last 4 quarters mean from totalStockholderEquity)
RoA = 10.50% (Net Income 273.0m / Total Assets 2.97b)
RoE = 15.49% (Net Income TTM 273.0m / Total Stockholder Equity 1.76b)
RoCE = 15.00% (EBIT 267.0m / Capital Employed (Equity 1.76b + L.T.Debt 18.0m))
RoIC = 13.08% (NOPAT 230.6m / Invested Capital 1.76b)
WACC = 11.34% (E(16.61b)/V(16.63b) * Re(11.35%) + (debt cost/tax rate unavailable))
Discount Rate = 11.35% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 6.10%
[DCF Debug] Terminal Value 71.20% ; FCFF base≈439.6m ; Y1≈542.3m ; Y5≈923.5m
Fair Price DCF = 20.55 (EV 9.25b - Net Debt -1.34b = Equity 10.59b / Shares 515.0m; r=11.34% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 90.45 | EPS CAGR: 71.84% | SUE: 1.06 | # QB: 1
Revenue Correlation: 97.89 | Revenue CAGR: 36.04% | SUE: 3.16 | # QB: 2
EPS next Quarter (2026-03-31): EPS=0.26 | Chg30d=-0.002 | Revisions Net=+1 | Analysts=11
EPS next Year (2026-12-31): EPS=1.24 | Chg30d=-0.006 | Revisions Net=+1 | Growth EPS=+22.5% | Growth Revenue=+20.4%
P/E Forward = 21.8818
P/S = 2.8356
P/B = 8.2478
P/EG = 0.2473
Revenue TTM = 5.86b USD
EBIT TTM = 267.0m USD
EBITDA TTM = 326.0m USD
Long Term Debt = 18.0m USD (from capitalLeaseObligations, last quarter)
Short Term Debt = 10.0m USD (from shortTermDebt, last fiscal year)
Debt = 18.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.34b USD (from netDebt column, last quarter)
Enterprise Value = 14.77b USD (16.61b + Debt 18.0m - CCE 1.86b)
Interest Coverage Ratio = -26.70 (Ebit TTM 267.0m / Interest Expense TTM -10.0m)
EV/FCF = 26.19x (Enterprise Value 14.77b / FCF TTM 564.0m)
FCF Yield = 3.82% (FCF TTM 564.0m / Enterprise Value 14.77b)
FCF Margin = 9.63% (FCF TTM 564.0m / Revenue TTM 5.86b)
Net Margin = 4.66% (Net Income TTM 273.0m / Revenue TTM 5.86b)
Gross Margin = 25.66% ((Revenue TTM 5.86b - Cost of Revenue TTM 4.36b) / Revenue TTM)
Gross Margin QoQ = 26.45% (prev 25.29%)
Tobins Q-Ratio = 4.97 (Enterprise Value 14.77b / Total Assets 2.97b)
Interest Expense / Debt = 161.1% (Interest Expense 29.0m / Debt 18.0m)
Taxrate = 13.64% (3.00m / 22.0m)
NOPAT = 230.6m (EBIT 267.0m * (1 - 13.64%))
Current Ratio = 2.64 (Total Current Assets 2.41b / Total Current Liabilities 911.0m)
Debt / Equity = 0.01 (Debt 18.0m / totalStockholderEquity, last quarter 2.01b)
Debt / EBITDA = -4.11 (Net Debt -1.34b / EBITDA 326.0m)
Debt / FCF = -2.37 (Net Debt -1.34b / FCF TTM 564.0m)
Total Stockholder Equity = 1.76b (last 4 quarters mean from totalStockholderEquity)
RoA = 10.50% (Net Income 273.0m / Total Assets 2.97b)
RoE = 15.49% (Net Income TTM 273.0m / Total Stockholder Equity 1.76b)
RoCE = 15.00% (EBIT 267.0m / Capital Employed (Equity 1.76b + L.T.Debt 18.0m))
RoIC = 13.08% (NOPAT 230.6m / Invested Capital 1.76b)
WACC = 11.34% (E(16.61b)/V(16.63b) * Re(11.35%) + (debt cost/tax rate unavailable))
Discount Rate = 11.35% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 6.10%
[DCF Debug] Terminal Value 71.20% ; FCFF base≈439.6m ; Y1≈542.3m ; Y5≈923.5m
Fair Price DCF = 20.55 (EV 9.25b - Net Debt -1.34b = Equity 10.59b / Shares 515.0m; r=11.34% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 90.45 | EPS CAGR: 71.84% | SUE: 1.06 | # QB: 1
Revenue Correlation: 97.89 | Revenue CAGR: 36.04% | SUE: 3.16 | # QB: 2
EPS next Quarter (2026-03-31): EPS=0.26 | Chg30d=-0.002 | Revisions Net=+1 | Analysts=11
EPS next Year (2026-12-31): EPS=1.24 | Chg30d=-0.006 | Revisions Net=+1 | Growth EPS=+22.5% | Growth Revenue=+20.4%