TOAST INC-CLASS A (TOST)
US8887871080 - Common Stock
TOST gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 99 industry peers in the Financial Services industry. No worries on liquidiy or solvency for TOST as it has an excellent financial health rating, but there are worries on the profitability. TOST is valued quite expensively, but it does show have an excellent growth rating.
1. Profitability
1.1 Basic Checks
In the past year TOST has reported negative net income.
TOST had a positive operating cash flow in the past year.
In the past 5 years TOST always reported negative net income.
The reported operating cash flow has been mixed in the past 5 years: TOST reported negative operating cash flow in multiple years.
1.2 Ratios
Looking at the Return On Assets, with a value of -2.20%, TOST is doing worse than 85.86% of the companies in the same industry.
Looking at the Return On Equity, with a value of -3.45%, TOST is doing worse than 76.77% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.2% | ||
| ROE | -3.45% | ||
| ROIC | N/A |
ROA(3y)-18.75%
ROA(5y)-31.37%
ROE(3y)-30.1%
ROE(5y)-67.31%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
TOST has a Gross Margin (23.25%) which is comparable to the rest of the industry.
In the last couple of years the Gross Margin of TOST has grown nicely.
The Profit Margin and Operating Margin are not available for TOST so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 23.25% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y8.15%
GM growth 5YN/A
2. Health
2.1 Basic Checks
TOST does not have a ROIC to compare to the WACC, probably because it is not profitable.
TOST has more shares outstanding than it did 1 year ago.
TOST has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
An Altman-Z score of 17.80 indicates that TOST is not in any danger for bankruptcy at the moment.
TOST's Altman-Z score of 17.80 is amongst the best of the industry. TOST outperforms 96.97% of its industry peers.
There is no outstanding debt for TOST. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 17.8 |
ROIC/WACCN/A
WACC9.16%
2.3 Liquidity
A Current Ratio of 2.41 indicates that TOST has no problem at all paying its short term obligations.
The Current ratio of TOST (2.41) is better than 78.79% of its industry peers.
A Quick Ratio of 2.27 indicates that TOST has no problem at all paying its short term obligations.
The Quick ratio of TOST (2.27) is better than 77.78% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.41 | ||
| Quick Ratio | 2.27 |
3. Growth
3.1 Past
TOST shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 74.58%, which is quite impressive.
TOST shows a strong growth in Revenue. In the last year, the Revenue has grown by 29.50%.
Measured over the past years, TOST shows a very strong growth in Revenue. The Revenue has been growing by 67.46% on average per year.
EPS 1Y (TTM)74.58%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%183.33%
Revenue 1Y (TTM)29.5%
Revenue growth 3Y67.46%
Revenue growth 5YN/A
Sales Q2Q%26.45%
3.2 Future
TOST is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 45.76% yearly.
TOST is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 20.58% yearly.
EPS Next Y104.9%
EPS Next 2Y69.23%
EPS Next 3Y53.5%
EPS Next 5Y45.76%
Revenue Next Year28.08%
Revenue Next 2Y25.77%
Revenue Next 3Y23.74%
Revenue Next 5Y20.58%
3.3 Evolution
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
TOST reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
A Price/Forward Earnings ratio of 94.53 indicates a quite expensive valuation of TOST.
Compared to the rest of the industry, the Price/Forward Earnings ratio of TOST indicates a rather expensive valuation: TOST more expensive than 80.81% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.99, TOST is valued quite expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 94.53 |
4.2 Price Multiples
TOST's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. TOST is more expensive than 66.67% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, TOST is valued a bit more expensive than 61.62% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 86.17 | ||
| EV/EBITDA | 1177.46 |
4.3 Compensation for Growth
TOST's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
TOST's earnings are expected to grow with 53.50% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y69.23%
EPS Next 3Y53.5%
5. Dividend
5.1 Amount
No dividends for TOST!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TOAST INC-CLASS A
NYSE:TOST (12/24/2024, 7:41:49 PM)
After market: 38.15 -0.23 (-0.6%)38.38
+1.09 (+2.92%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners88.38%
Inst Owner Change6.46%
Ins Owners1.66%
Ins Owner Change-4.99%
Market Cap21.80B
Analysts74.71
Price Target39.54 (3.02%)
Short Float %7.11%
Short Ratio3.84
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)217.84%
Min EPS beat(2)205.59%
Max EPS beat(2)230.1%
EPS beat(4)3
Avg EPS beat(4)114.49%
Min EPS beat(4)-6.67%
Max EPS beat(4)230.1%
EPS beat(8)5
Avg EPS beat(8)55.77%
EPS beat(12)9
Avg EPS beat(12)50.35%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-0.58%
Min Revenue beat(2)-0.84%
Max Revenue beat(2)-0.32%
Revenue beat(4)1
Avg Revenue beat(4)-0.01%
Min Revenue beat(4)-0.84%
Max Revenue beat(4)1.22%
Revenue beat(8)4
Avg Revenue beat(8)0.79%
Revenue beat(12)8
Avg Revenue beat(12)1.71%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)34.81%
PT rev (3m)39.72%
EPS NQ rev (1m)11.95%
EPS NQ rev (3m)737.39%
EPS NY rev (1m)124.25%
EPS NY rev (3m)125.7%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.68%
Revenue NY rev (1m)0.9%
Revenue NY rev (3m)0.68%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 94.53 | ||
| P/S | 4.68 | ||
| P/FCF | 86.17 | ||
| P/OCF | 71.47 | ||
| P/B | 15.35 | ||
| P/tB | 16.96 | ||
| EV/EBITDA | 1177.46 |
EPS(TTM)-0.15
EYN/A
EPS(NY)0.41
Fwd EY1.06%
FCF(TTM)0.45
FCFY1.16%
OCF(TTM)0.54
OCFY1.4%
SpS8.2
BVpS2.5
TBVpS2.26
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.2% | ||
| ROE | -3.45% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 23.25% | ||
| FCFM | 5.43% |
ROA(3y)-18.75%
ROA(5y)-31.37%
ROE(3y)-30.1%
ROE(5y)-67.31%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y8.15%
GM growth 5YN/A
F-Score7
Asset Turnover2.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 115.56% | ||
| Cap/Sales | 1.12% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | 1794.12% | ||
| Profit Quality | N/A | ||
| Current Ratio | 2.41 | ||
| Quick Ratio | 2.27 | ||
| Altman-Z | 17.8 |
F-Score7
WACC9.16%
ROIC/WACCN/A
Cap/Depr(3y)119.74%
Cap/Depr(5y)141.57%
Cap/Sales(3y)1.14%
Cap/Sales(5y)2%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)74.58%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%183.33%
EPS Next Y104.9%
EPS Next 2Y69.23%
EPS Next 3Y53.5%
EPS Next 5Y45.76%
Revenue 1Y (TTM)29.5%
Revenue growth 3Y67.46%
Revenue growth 5YN/A
Sales Q2Q%26.45%
Revenue Next Year28.08%
Revenue Next 2Y25.77%
Revenue Next 3Y23.74%
Revenue Next 5Y20.58%
EBIT growth 1Y91.52%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year216.66%
EBIT Next 3Y65.35%
EBIT Next 5Y44.03%
FCF growth 1Y229.95%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y280.51%
OCF growth 3YN/A
OCF growth 5YN/A