Toast, Inc. (TOST) Stock Analysis
P/E 44.29×· 5Y range 32.63–1,567.22×· bottom 22% of history
Sector: Technology · Industry: Services-Computer Processing & Data Preparation
AnalystsBuy38 analystsStrengths
- ✓Piotroski F-Score 7/9 — high earnings quality
- ✓Altman Z 10.6 — safe-zone balance sheet
- ✓ROE 20.7% — efficient capital deployment
- ✓Revenue CAGR 53.4% — durable top-line growth
- ✓P/E 44.3× at bottom 22% of 5-year history
Risks
- ⚠2 loss-making years in recent history
- ⚠Interest coverage -3.3× — thin debt cushion
What's happening with TOST
Price History
5-Year Weekly Candlestick Chart
Profile
Strong earnings quality and financial health.
How is each axis scored?
- Valuation62/100 · Moderate
- P/E vs own history (22th pct)20/25
- FCF yield (3.7%)12/25
- P/S (2.7x)20/25
- EV/EBIT (n/a)10/25
- Growth50/100 · Moderate
- Revenue CAGR (53.4%)25/25
- Net income CAGR (n/a)0/25
- EPS CAGR 5Y (n/a)0/25
- Fwd implied growth (100.6%)25/25
- Profitability63/100 · Moderate
- ROIC (31.8%)25/25
- ROE (20.7%)20/25
- Net margin (6.4%)13/25
- Operating margin (5.6%)5/25
- Financial Health75/100 · Strong
- Altman Z (10.64)25/25
- Current ratio (2.44)25/25
- Interest coverage (-3.3x)0/25
- Net cash / debt (Net cash)25/25
- Quality84/100 · Strong
- Piotroski F (7/9)22/25
- Beneish M (-2.74)25/25
- FCF conversion (159%)25/25
- Margin stability (σ 8.1%)12/25
About Toast, Inc.
Toast Inc is a cloud-based, all-in-one digital technology platform purpose-built for the restaurant community. Show more
The company provides a comprehensive platform of software-as-a-service (SaaS) products and financial technology solutions, including integrated payment processing, restaurant-grade hardware, and a broad ecosystem of third-party partners. It serves as a restaurant operating system, connecting front of house and back of house operations across service models such as dine-in, takeout, and delivery. It operates through one reportable segment consisting of its SaaS products, financial technology solutions, integrated payments, hardware, and partner ecosystem.
Headquarters: BOSTON, MA · Employees: 6,500 · Website ↗
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
Valuation
62BP/E (TTM)44.3xD
Grade D: ExpensivePrice / TTM EPS (own statements) — vs own 5Y history: 32.6x–1567.2x · 22nd pct
P/FCF30.9xC
Grade C: ExpensivePrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield3.7%C
Grade C: LowTTM FCF / Market Cap — vs own 5Y history: -2.2%–4.9% · 95th pct
P/S (TTM)2.72xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 2.1x–12.0x · 8th pct
EV/EBITDA34.8xD
Grade D: ExpensiveEnterprise value / EBITDA (Finnhub) — capital-structure neutral
EV/Sales2.5xB
Grade B: FairEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E22.1xB
Grade B: FairPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio8.80xD
Grade D: Very expensivePrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.30A
Grade A: CheapFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield—
TTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio—
Dividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
63BROIC31.8%A
Grade A: MoatNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE20.7%A
Grade A: StrongReturn on Equity. Neg. equity = heavy buybacks
ROA15.7%A
Grade A: StrongReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin6.4%C
Grade C: AverageNet Income / Revenue
Operating Margin5.6%D
Grade D: LowTTM EBIT / TTM Revenue
Gross Margin26.3%D
Grade D: LowGross Profit / Revenue
FCF Margin10.1%C
Grade C: AverageFCF / Revenue
True FCF Margin6.5%C
Grade C: AverageTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
50CRevenue CAGR53.4%A
Grade A: HighCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR—
Compound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)—
Compound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth100.6%A
Grade A: HighImplied 1Y EPS growth from forward P/E vs our TTM EPS. Sparse — only where forward estimates exist
Dilution (5Y)—
Share count change over 5Y
SBC / Net Income57.3%D
Grade D: HighStock-based comp/Net income. >30% = dilution risk
SBC / Revenue3.7%C
Grade C: MedTTM stock-based comp / TTM Revenue
Financial Health
75B+Altman Z-Score10.64A
Grade A: SafeBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio2.44xA
Grade A: HighCurrent Assets/Liabilities
Quick Ratio2.29xA
Grade A: High(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage-3.3xD
Grade D: RiskyEBIT/Interest. >10 Strong
Debt RepaymentNet CashA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBIT—
Leverage. <2x Low, >4x High
Debt/Equity0.00xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt—
Cash covers how much of total debt. >1 = could repay all debt from cash
Quality
84APiotroski F-Score7/9A
Grade A: StrongFinancial strength 0–9. >7 Strong
Beneish M-Score-2.74A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion158.7%A
Grade A: StrongFCF / Net Income
Margin Stability8.1%C
Grade C: AverageEBIT margin std deviation. Lower = stable
Capex / Revenue0.9%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover2.06xA
Grade A: HighRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
More metrics — Per Share, Balance Sheet, MarketHide additional metrics
Per Share
EPS (TTM)$0.68
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$2.48
Cash & short-term investments per share (Finnhub)
Book Value / Share$2.70
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt—
Total debt obligations (short + long term)
Cash & Equiv.$1.10B
Cash and short-term investments
Net Debt—
Total Debt minus Cash. Negative = Net Cash position
Total Equity$1.99B
Shareholders' equity (book value)
Asset / Liability2.80xA
Grade A: SolidTotal Assets / Total Liabilities
Market
Market Cap$17.52B
Current Market Capitalization
Beta1.77C
Grade C: VolatilePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
Takeaway
Company is effectively debt-free after netting cash. · Current P/E of 44.3x sits at the 22nd percentile of its historical range.
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Mar 2026 · Ratio snapshot Sep 27, 2026
Key Insights: Toast, Inc. (TOST)
TOST is up 1.63% at the last close. Toast, Inc. meets 7 of 9 Piotroski F-Score criteria, placing its fundamental strength in the top tier of US-listed stocks. Altman Z-Score of 10.64 sits comfortably in the safe zone (≥ 2.99), indicating low bankruptcy risk. Beneish M-Score of -2.74 suggests a low likelihood of earnings manipulation. Revenue has compounded at roughly 53% annually — a strong growth profile.
- Company is effectively debt-free after netting cash.
- Interest coverage of -3.3× leaves little room for earnings shocks.
- Toast, Inc. posted a net loss in 2 of 4 available completed fiscal years (2021–2025).
- Return on equity of 20.7% is well above the market average.
Insider Transactions
Recent SEC Form 4 filings · 8 records
| Transaction date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Vassil Jonathan Filed | Vassil Jonathan | SellOption exercise | -14280 | |
Vassil Jonathan Filed | Vassil Jonathan | SellOpen market sale | -9180 | |
Vassil Jonathan Filed | Vassil Jonathan | SellOpen market sale | -5100 | |
Vassil Jonathan Filed | Vassil Jonathan | BuyOption exercise | +14.3K | |
Vassil Jonathan Filed | Vassil Jonathan | SellOption exercise | -37607 |
Show 3 more filingsShow fewer filings
| Transaction date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Vassil Jonathan Filed | Vassil Jonathan | SellOption exercise | -47673 | |
Vassil Jonathan Filed | Vassil Jonathan | SellOpen market sale | -85280 | |
Vassil Jonathan Filed | Vassil Jonathan | BuyOption exercise | +37.6K |
See how TOST ranks on the Capex Tracker — top 50 capital spenders compared.
No significant market moves for TOST in the last 30 days.
See TOST move history →Frequently Asked Questions about TOST
What is the current Toast, Inc. (TOST) stock price?
TOST is trading at $30.60 at the last market close, up 1.63% on the session. PreMarketPrice tracks TOST pre-market, intraday and after-hours prices.
Is TOST stock a buy right now?
PreMarketPrice's quantitative model rates Toast, Inc.'s financial health at 75/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is TOST stock overvalued?
Toast, Inc. trades at a trailing P/E of 44.3 and our valuation score rates it 62/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Toast, Inc. report earnings?
No confirmed earnings date is currently scheduled for TOST. The Earnings section lists recent reports and updates as dates are announced.
What sector does Toast, Inc. operate in?
Toast, Inc. operates in the Technology sector, within the Services-Computer Processing & Data Preparation industry. The Related Stocks section lists sector peers for comparison.
What does Toast, Inc. do?
Toast Inc is a cloud-based, all-in-one digital technology platform purpose-built for the restaurant community.
About Toast, Inc. (TOST) Stock
Toast, Inc. (TOST) is a US-listed stock operating in the Technology sector, specifically the Services-Computer Processing & Data Preparation industry. As of the latest update, Toast, Inc. is trading at $30.60, up 1.63% on the day with a market capitalization of $17.5 billion. The financial health score for TOST is 75/100, which indicates excellent financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for TOST stock.
TOST Stock Analysis & Key Metrics
On PreMarketPrice, you can track Toast, Inc. (TOST) across multiple dimensions:
- Pre-market price & movement: Real-time TOST stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for TOST with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Toast, Inc. across multiple reporting periods.
- Financial health score: A composite score of 75/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for TOST.
- Sector peers: Compare TOST against 10 other technology stocks on key financial metrics.
Is TOST a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Toast, Inc. (TOST) as an investment. The financial health score of 75/100 suggests excellent financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Toast, Inc. (TOST) trades on NYSE/NASDAQ. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.