` Comparison: TOST, MA - Alpha Spread

TOST
vs
MA

Over the past 12 months, TOST has significantly outperformed MA, delivering a return of +86% compared to the MA's +26% growth.

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TOST
MA
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One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
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Valuation
Growth
Profitability
Solvency
Comparing Valuation
Running a multi-layered valuation analysis to compare how attractive each stock is.
Comparing Growth
Financial growth, forecasts, volatility, and historical drawdowns.
Comparing Profitability
Margins, returns on capital, and the consistency of profitability.
Comparing Solvency
Debt levels, liquidity, interest coverage, and bankruptcy risk.
Summarizing...
We need a little more time to summarize the results

Valuation Comparison

TOST Intrinsic Value
21.78 USD
Overvaluation 50%
Intrinsic Value
Price
MA Intrinsic Value
365.54 USD
Overvaluation 36%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Toast Inc
NYSE:TOST
43.87 USD
Mastercard Inc
NYSE:MA
575.33 USD
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
TOST, MA

TOST
MA
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Revenue
www.alphaspread.com
Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Toast Inc
Revenue
Mastercard Inc
Revenue

All metrics are calculated based on data from the last 10 years.

Profitability Comparison

Free Cash Flow
TOST, MA

TOST
MA
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Toast Inc
NYSE:TOST
Mastercard Inc
NYSE:MA
What is Free Cash Flow?

Gross Margin

TOST
24.7%
MA
0%
LTM 3Y Avg 5Y Avg 10Y Avg
Toast Inc
Mastercard Inc

Operating Margin

TOST
2.4%
MA
59%
LTM 3Y Avg 5Y Avg 10Y Avg
Toast Inc
Mastercard Inc

Net Margin

TOST
3%
MA
44.9%
LTM 3Y Avg 5Y Avg 10Y Avg
Toast Inc
Mastercard Inc

FCF Margin

TOST
7.8%
MA
52.5%
LTM 3Y Avg 5Y Avg 10Y Avg
Toast Inc
Mastercard Inc

ROE

TOST
11%
MA
177.9%
LTM 3Y Avg 5Y Avg 10Y Avg
Toast Inc
Mastercard Inc

ROA

TOST
6.9%
MA
29%
LTM 3Y Avg 5Y Avg 10Y Avg
Toast Inc
Mastercard Inc

ROIC

TOST
12.8%
MA
39.1%
LTM 3Y Avg 5Y Avg 10Y Avg
Toast Inc
Mastercard Inc

ROCE

TOST
8.2%
MA
60.3%
LTM 3Y Avg 5Y Avg 10Y Avg
Toast Inc
Mastercard Inc

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
TOST, MA

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Performance Gap
TOST, MA

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TOST
MA
Difference
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Performance By Year
TOST, MA

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TOST
MA
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