Toast Inc
NYSE:TOST

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Toast Inc
NYSE:TOST
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Price: 42.35 USD -0.54% Market Closed
Market Cap: 24.5B USD
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Intrinsic Value

The intrinsic value of one TOST stock under the Base Case scenario is 22.24 USD. Compared to the current market price of 42.35 USD, Toast Inc is Overvalued by 47%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

TOST Intrinsic Value
22.24 USD
Overvaluation 47%
Intrinsic Value
Price
Worst Case
Base Case
Best Case

Valuation History
Toast Inc

Valuation History Unavailable

Historical valuation for TOST cannot be conducted due to limitations such as insufficient data or other constraints.

Valuation In Progress...
Valuation In Progress...
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Fundamental Analysis

Company Overview
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Business Segments
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Economic Moat
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Earnings Call
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Management
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Contacts
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Bear Theses

Toast’s core market of small and mid-sized restaurants remains highly susceptible to economic downturns and consumer spending slowdowns, which could quickly reduce transaction volumes and increase restaurant closures, thus weakening Toast’s subscription and payments revenue base.

Substantial competition from established players like Square and Clover means Toast must continually invest to maintain innovative hardware and integrated services, potentially hampering its ability to achieve sustainable profitability if market share gains do not materialize at scale.

Toast’s rapid expansion strategy and heavy investment in technology and customer acquisition could lead to mounting operating losses, and its current dependence on growing payment processing volumes may expose the company to further cash flow risks if margins tighten.

Bull Theses

Toast has built a robust all-in-one platform tailored specifically for restaurant operations, creating a strong moat through integration of order management, payment processing, payroll, and analytics, which makes switching costly for existing customers.

With continued digital adoption across the restaurant industry, Toast is positioned to capture significant growth from add-on modules like online ordering, delivery integrations, and loyalty programs, all of which deepen customer engagement over time.

Its focus on expanding enterprise partnerships and exploring international markets gives Toast additional levers for revenue diversification and enhances its brand as a comprehensive restaurant technology ecosystem far beyond its U.S. footprint.

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Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
Toast Inc

Current Assets 2.1B
Cash & Short-Term Investments 1.5B
Receivables 216m
Other Current Assets 417m
Non-Current Assets 442m
PP&E 116m
Intangibles 132m
Other Non-Current Assets 194m
Current Liabilities 844m
Accounts Payable 48m
Accrued Liabilities 460m
Other Current Liabilities 336m
Non-Current Liabilities 47m
Other Non-Current Liabilities 47m
Efficiency

Free Cash Flow Analysis
Toast Inc

Last Value
3-Years Average
FCF Margin
Conversion Rate

Earnings Waterfall
Toast Inc

Revenue
5.2B USD
Cost of Revenue
-3.9B USD
Gross Profit
1.3B USD
Operating Expenses
-1.2B USD
Operating Income
125m USD
Other Expenses
33m USD
Net Income
158m USD
Fundamental Scores

TOST Profitability Score
Profitability Due Diligence

Toast Inc's profitability score is 41/100. The higher the profitability score, the more profitable the company is.

Exceptional 3-Years Revenue Growth
ROE is Increasing
ROIC is Increasing
Exceptional Revenue Growth Forecast
41/100
Profitability
Score

Toast Inc's profitability score is 41/100. The higher the profitability score, the more profitable the company is.

TOST Solvency Score
Solvency Due Diligence

Toast Inc's solvency score is 74/100. The higher the solvency score, the more solvent the company is.

High Altman Z-Score
Low D/E
Long-Term Solvency
Short-Term Solvency
74/100
Solvency
Score

Toast Inc's solvency score is 74/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

TOST Price Targets Summary
Toast Inc

Wall Street analysts forecast TOST stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for TOST is 44.32 USD with a low forecast of 28.39 USD and a high forecast of 57.75 USD.

Lowest
Price Target
28.39 USD
33% Downside
Average
Price Target
44.32 USD
5% Upside
Highest
Price Target
57.75 USD
36% Upside
View Analyst Estimates
View Analyst Estimates

Dividends

Toast Inc
does not pay dividends
Shareholder Yield

Current shareholder yield for TOST is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
No dividends
Buyback Yield
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Average
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Debt Paydown Yield
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Competitive Landscape

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Ownership

TOST Insider Trading
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TOST News

Other Videos
What is the Intrinsic Value of one TOST stock?

The intrinsic value of one TOST stock under the Base Case scenario is 22.24 USD.

Is TOST stock undervalued or overvalued?

Compared to the current market price of 42.35 USD, Toast Inc is Overvalued by 47%.

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