Overview Dividends

(TOST) Toast - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US8887871080

Pos, Payroll, Inventory, Payments, Analytics

EPS (Earnings per Share)

EPS (Earnings per Share) of TOST over the last years for every Quarter: "2020-09": null, "2020-12": -0.5665, "2021-03": -0.6544, "2021-06": -0.3889, "2021-09": -1.05, "2021-12": -0.15, "2022-03": -0.2, "2022-06": -0.19, "2022-09": -0.15, "2022-12": -0.18, "2023-03": -0.16, "2023-06": -0.11, "2023-09": -0.06, "2023-12": -0.08, "2024-03": -0.15, "2024-06": 0.02, "2024-09": 0.07, "2024-12": 0.05, "2025-03": 0.2, "2025-06": 0.25, "2025-09": 0.28,
EPS Growth (3y CAGR): 269.49%
EPS Trend (3y Corr): 93.9%
Last SUE: 1.06σ
Qual. Beats: 1

Revenue

Revenue of TOST over the last years for every Quarter: 2020-09: 236.757, 2020-12: 242.535, 2021-03: 282, 2021-06: 426, 2021-09: 486, 2021-12: 514.873, 2022-03: 535, 2022-06: 675, 2022-09: 752, 2022-12: 768, 2023-03: 819, 2023-06: 978, 2023-09: 1032, 2023-12: 1036, 2024-03: 1075, 2024-06: 1242, 2024-09: 1305, 2024-12: 1338, 2025-03: 1337, 2025-06: 1550, 2025-09: 1633,
Revenue Growth (3y CAGR): 31.56%
Revenue Trend (3y Corr): 98.2%
Last SUE: 3.16σ
Qual. Beats: 2
Risk via 10d forecast
Volatility 50.6%
Value at Risk 5%th 80.3%
Relative Tail Risk -3.47%
Reward TTM
Sharpe Ratio -0.33
Alpha -37.62
Character TTM
Hurst Exponent 0.438
Beta 1.512
Beta Downside 1.607
Drawdowns 3y
Max DD 48.39%
Mean DD 16.50%
Median DD 14.77%

Description: TOST Toast October 16, 2025

Toast, Inc. (NYSE: TOST) runs a cloud-based platform that equips restaurants-from single-unit cafés to multi-location chains-with point-of-sale, kitchen display, mobile ordering, payroll, inventory, and fintech services across the United States, Ireland, India, and other markets. The suite includes the core Toast POS, the back-office suite xtraCHEF, and a range of team- and vendor-management tools, all delivered via a subscription-based model.

Key recent metrics: 2023 revenue topped $1.2 billion, reflecting roughly 30 % year-over-year growth driven by strong adoption of its subscription and payment-processing services; gross margins have stabilized near 70 % as the company scales its SaaS components; and its annual recurring revenue (ARR) now exceeds $600 million, positioning Toast among the top tier of U.S. restaurant-tech providers. The sector’s growth is underpinned by a post-COVID acceleration in digital ordering and a persistent labor shortage that pushes operators toward automation and integrated back-office solutions.

For a deeper dive into Toast’s valuation metrics and peer comparison, you might find ValueRay’s analyst toolkit useful.

TOST Stock Overview

Market Cap in USD 19,375m
Sub-Industry Transaction & Payment Processing Services
IPO / Inception 2021-09-22
Return 12m vs S&P 500 -28.7%
Analyst Rating 3.81 of 5

TOST Dividends

Currently no dividends paid

TOST Growth Ratios

Metric Value
CAGR 3y 23.80%
CAGR/Max DD Calmar Ratio 0.49
CAGR/Mean DD Pain Ratio 1.44
Current Volume 11601.3k
Average Volume 9981.1k

Piotroski VR‑10 (Strict, 0-10) 6.0

Net Income (273.0m TTM) > 0 and > 6% of Revenue (6% = 351.5m TTM)
FCFTA 0.19 (>2.0%) and ΔFCFTA 7.62pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue 25.52% (prev 21.12%; Δ 4.40pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)
CFO/TA 0.21 (>3.0%) and CFO 614.0m > Net Income 273.0m (YES >=105%, WARN >=100%)
Net Debt (-1.34b) to EBITDA (326.0m) ratio: -4.11 <= 3.0 (WARN <= 3.5)
Current Ratio 2.64 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)
Outstanding Shares last Quarter (609.0m) change vs 12m ago 3.22% (target <= -2.0% for YES)
Gross Margin 25.66% (prev 23.25%; Δ 2.41pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)
Asset Turnover 225.4% (prev 209.2%; Δ 16.23pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)
Interest Coverage Ratio -26.70 (EBITDA TTM 326.0m / Interest Expense TTM -10.0m) >= 6 (WARN >= 3)

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 (Balance) -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
Total Rating: 1.03 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 78.01

1. Piotroski 6.0pt
2. FCF Yield 3.22%
3. FCF Margin 9.63%
4. Debt/Equity 0.01
5. Debt/Ebitda -4.11
6. ROIC - WACC (= 3.72)%
7. RoE 15.49%
8. Rev. Trend 98.22%
9. EPS Trend 93.91%

What is the price of TOST shares?

As of November 22, 2025, the stock is trading at USD 33.95 with a total of 11,601,281 shares traded.
Over the past week, the price has changed by -5.43%, over one month by -11.93%, over three months by -20.31% and over the past year by -19.85%.

Is TOST a buy, sell or hold?

Toast has received a consensus analysts rating of 3.81. Therefore, it is recommended to buy TOST.
  • Strong Buy: 12
  • Buy: 3
  • Hold: 16
  • Sell: 1
  • Strong Sell: 0

What are the forecasts/targets for the TOST price?

Issuer Target Up/Down from current
Wallstreet Target Price 47.4 39.5%
Analysts Target Price 47.4 39.5%
ValueRay Target Price 31.6 -7%

TOST Fundamental Data Overview November 21, 2025

Market Cap USD = 19.37b (19.37b USD * 1.0 USD.USD)
P/E Trailing = 74.8864
P/E Forward = 26.5957
P/S = 3.3074
P/B = 9.62
P/EG = 0.2179
Beta = 1.941
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 = 17.54b USD (19.37b + Debt 18.0m - CCE 1.86b)
Interest Coverage Ratio = -26.70 (Ebit TTM 267.0m / Interest Expense TTM -10.0m)
FCF Yield = 3.22% (FCF TTM 564.0m / Enterprise Value 17.54b)
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 = 5.90 (Enterprise Value 17.54b / Total Assets 2.97b)
Interest Expense / Debt = 161.1% (Interest Expense 29.0m / Debt 18.0m)
Taxrate = -0.96% (negative due to tax credits) (-1.00m / 104.0m)
NOPAT = 269.6m (EBIT 267.0m * (1 - -0.96%)) [negative tax rate / tax credits]
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 = 9.19% (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 = 15.29% (NOPAT 269.6m / Invested Capital 1.76b)
WACC = 11.58% (E(19.37b)/V(19.39b) * Re(11.59%) + (debt cost/tax rate unavailable))
Discount Rate = 11.59% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 6.10%
[DCF Debug] Terminal Value 70.78% ; FCFE base≈439.6m ; Y1≈542.3m ; Y5≈925.3m
Fair Price DCF = 17.59 (DCF Value 9.06b / Shares Outstanding 515.0m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 93.91 | EPS CAGR: 269.5% | SUE: 1.06 | # QB: 1
Revenue Correlation: 98.22 | Revenue CAGR: 31.56% | SUE: 3.16 | # QB: 2

Additional Sources for TOST Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle