Overview Dividends

(TOST) Toast - Ratings and Ratios

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

Pos, Payroll, Inventory, Payments, Analytics

TOST 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": -0.09, "2023-12": -0.08, "2024-03": -0.15, "2024-06": 0.02, "2024-09": 0.17, "2024-12": 0.05, "2025-03": 0.2, "2025-06": 0.25, "2025-09": 0,
EPS Growth (3Y CAGR): 166.71%
EPS Trend (3Y Correlation): 80.6%

TOST 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: null,
Revenue Growth (3Y CAGR): 30.08%
Revenue Trend (3Y Correlation): 98.2%

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 20,825m
Sub-Industry Transaction & Payment Processing Services
IPO / Inception 2021-09-22

TOST Stock Ratings

Growth Rating 51.2%
Fundamental 70.4%
Dividend Rating -
Return 12m vs S&P 500 -0.68%
Analyst Rating 3.81 of 5

TOST Dividends

Currently no dividends paid

TOST Growth Ratios

Growth Correlation 3m -81.4%
Growth Correlation 12m 21.2%
Growth Correlation 5y 47.6%
CAGR 5y 22.02%
CAGR/Max DD 3y (Calmar Ratio) 0.45
CAGR/Mean DD 3y (Pain Ratio) 1.33
Sharpe Ratio 12m 1.28
Alpha -10.50
Beta 1.946
Volatility 71.82%
Current Volume 7300k
Average Volume 20d 7300k
Stop Loss 34.8 (-5.9%)
Signal 0.59

Piotroski VR‑10 (Strict, 0-10) 6.0

Net Income (224.0m TTM) > 0 and > 6% of Revenue (6% = 331.8m TTM)
FCFTA 0.18 (>2.0%) and ΔFCFTA 9.36pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue 25.73% (prev 22.87%; Δ 2.86pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)
CFO/TA 0.20 (>3.0%) and CFO 558.0m > Net Income 224.0m (YES >=105%, WARN >=100%)
Net Debt (-1.18b) to EBITDA (255.0m) ratio: -4.61 <= 3.0 (WARN <= 3.5)
Current Ratio 2.59 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)
Outstanding Shares last Quarter (605.0m) change vs 12m ago 3.07% (target <= -2.0% for YES)
Gross Margin 25.19% (prev 22.51%; Δ 2.68pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)
Asset Turnover 224.7% (prev 203.5%; Δ 21.23pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)
Interest Coverage Ratio -5.97 (EBITDA TTM 255.0m / Interest Expense TTM -33.0m) >= 6 (WARN >= 3)

Altman Z'' 0.59

(A) 0.51 = (Total Current Assets 2.32b - Total Current Liabilities 894.0m) / Total Assets 2.77b
(B) -0.53 = Retained Earnings (Balance) -1.47b / Total Assets 2.77b
(C) 0.08 = EBIT TTM 197.0m / Avg Total Assets 2.46b
(D) -1.52 = Book Value of Equity -1.44b / Total Liabilities 949.0m
Total Rating: 0.59 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 70.41

1. Piotroski 6.0pt = 1.0
2. FCF Yield 2.65% = 1.33
3. FCF Margin 9.19% = 2.30
4. Debt/Equity 0.01 = 2.50
5. Debt/Ebitda -4.61 = 2.50
6. ROIC - WACC (= -1.41)% = -1.77
7. RoE 13.88% = 1.16
8. Rev. Trend 98.23% = 7.37
9. EPS Trend 80.62% = 4.03

What is the price of TOST shares?

As of November 08, 2025, the stock is trading at USD 37.00 with a total of 7,299,989 shares traded.
Over the past week, the price has changed by +2.38%, over one month by -0.46%, over three months by -18.88% and over the past year by +13.25%.

Is Toast a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, Toast (NYSE:TOST) is currently (November 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 70.41 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of TOST is around 31.53 USD . This means that TOST is currently overvalued and has a potential downside of -14.78%.

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 48.4 30.8%
Analysts Target Price 48.4 30.8%
ValueRay Target Price 36.6 -1%

TOST Fundamental Data Overview November 05, 2025

Market Cap USD = 20.82b (20.82b USD * 1.0 USD.USD)
P/E Trailing = 91.5898
P/E Forward = 29.8507
P/S = 3.7665
P/B = 11.5862
P/EG = 0.2473
Beta = 1.946
Revenue TTM = 5.53b USD
EBIT TTM = 197.0m USD
EBITDA TTM = 255.0m USD
Long Term Debt = 19.0m USD (from capitalLeaseObligations, last quarter)
Short Term Debt = unknown (none)
Debt = 19.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.18b USD (from netDebt column, last quarter)
Enterprise Value = 19.14b USD (20.82b + Debt 19.0m - CCE 1.70b)
Interest Coverage Ratio = -5.97 (Ebit TTM 197.0m / Interest Expense TTM -33.0m)
FCF Yield = 2.65% (FCF TTM 508.0m / Enterprise Value 19.14b)
FCF Margin = 9.19% (FCF TTM 508.0m / Revenue TTM 5.53b)
Net Margin = 4.05% (Net Income TTM 224.0m / Revenue TTM 5.53b)
Gross Margin = 25.19% ((Revenue TTM 5.53b - Cost of Revenue TTM 4.14b) / Revenue TTM)
Gross Margin QoQ = 25.29% (prev 25.88%)
Tobins Q-Ratio = 6.92 (Enterprise Value 19.14b / Total Assets 2.77b)
Interest Expense / Debt = 152.6% (Interest Expense 29.0m / Debt 19.0m)
Taxrate = 3.61% (3.00m / 83.0m)
NOPAT = 189.9m (EBIT 197.0m * (1 - 3.61%))
Current Ratio = 2.59 (Total Current Assets 2.32b / Total Current Liabilities 894.0m)
Debt / Equity = 0.01 (Debt 19.0m / totalStockholderEquity, last quarter 1.82b)
Debt / EBITDA = -4.61 (Net Debt -1.18b / EBITDA 255.0m)
Debt / FCF = -2.31 (Net Debt -1.18b / FCF TTM 508.0m)
Total Stockholder Equity = 1.61b (last 4 quarters mean from totalStockholderEquity)
RoA = 8.10% (Net Income 224.0m / Total Assets 2.77b)
RoE = 13.88% (Net Income TTM 224.0m / Total Stockholder Equity 1.61b)
RoCE = 12.06% (EBIT 197.0m / Capital Employed (Equity 1.61b + L.T.Debt 19.0m))
RoIC = 11.76% (NOPAT 189.9m / Invested Capital 1.61b)
WACC = 13.18% (E(20.82b)/V(20.84b) * Re(13.19%) + (debt cost/tax rate unavailable))
Discount Rate = 13.19% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 5.75%
[DCF Debug] Terminal Value 66.51% ; FCFE base≈382.4m ; Y1≈471.7m ; Y5≈804.9m
Fair Price DCF = 12.91 (DCF Value 6.58b / Shares Outstanding 510.0m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 80.62 | EPS CAGR: 166.7% | SUE: -4.0 | # QB: 0
Revenue Correlation: 98.23 | Revenue CAGR: 30.08% | SUE: 1.99 | # QB: 1

Additional Sources for TOST Stock

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