Toast Inc (TOST) Stock Analysis
Verdict: HOLD
Operating leverage is finally unlocking GAAP profits but macro-sensitivity and technical weakness keep the stock anchored to its 52W lows.
Investment score: 64/100
Analysis as of
Is Toast Inc stock worth reviewing? AI model thesis
Buy on technical weakness fueled by GAAP profitability pivot and high FCF generation.
7-factor investment score
- Valuation: 60/100 (weight 20%)
- Financial Health: 85/100 (weight 15%)
- Technical Momentum: 35/100 (weight 15%)
- Earnings Quality: 90/100 (weight 15%)
- Insider Sentiment: 40/100 (weight 10%)
- Analyst Consensus: 75/100 (weight 10%)
- Risk-Adjusted Return: 55/100 (weight 15%)
Toast Inc opportunities and risks
What speaks for TOST
- Transition to Positive GAAP Earnings
What speaks against TOST
- Severe Macro Sensitivity to Dining Spend
Peers and competitors
| Ticker | P/E | P/S | EV/EBITDA | Gross margin | Net margin | FCF yield |
|---|---|---|---|---|---|---|
| TOST | 35.2x | 2.2x | 28.0x | 26.2% | 6.4% | 4.6% |
| FISV | 8.1x | 1.2x | 6.8x | 58.1% | 15.2% | 16.3% |
| AFRM | 64.3x | 6.2x | 27.9x | 67.7% | 9.6% | 3.2% |
| CPAY | 20.4x | 4.7x | 9.4x | 72.8% | 24.6% | 5.8% |
| FIS | 7.4x | 1.7x | 4.1x | 37.6% | 22.9% | 14.1% |
| GPN | n/a | 1.8x | 9.5x | 67.3% | -8.0% | 6.7% |
| Peer median | 8.1x | 1.8x | 9.4x | 67.3% | 15.2% | 6.7% |
Frequently asked questions about Toast Inc (TOST)
Is TOST stock a good investment?
The cached TradeMates AI model rates Toast Inc as HOLD with an investment score of 64/100. Buy on technical weakness fueled by GAAP profitability pivot and high FCF generation. This is algorithmic model output, not personal investment advice.
Is TOST stock a buy?
The TradeMates model verdict for TOST is HOLD with an investment score of 64/100. Treat this as a model signal to review, not a personal buy recommendation.