TOST
TechnologyToast, Inc. · Software - Infrastructure · $13B
What is Toast, Inc.?
Toast, Inc. is a cloud-based technology platform built exclusively for the restaurant industry, serving operators across the United States and Ireland with an integrated suite of hardware and software tools.
Toast generates revenue by providing restaurants with point-of-sale hardware, order management software, online ordering tools, and payment processing — all on one unified platform. Restaurants pay for hardware devices, software subscriptions, and transaction-based fees, giving Toast multiple revenue streams tied directly to dining activity.
Toast was founded in 2021 and is headquartered in Boston, US.
- Toast Point of Sale hardware and handheld devices
- Online ordering, delivery management, and TakeOut app
- Back-office tools including xtraCHEF and multi-location management
- Loyalty programs, gift cards, and kitchen display systems
Is TOST a Good Stock to Buy?
UQS Score rates TOST as Good overall.
The Risk pillar stands out as Strong, suggesting the business carries relatively manageable financial and operational risk compared to sector peers. Growth is rated Good, reflecting meaningful expansion in the restaurant technology space.
Quality and Moat are both rated Neutral, indicating the business has not yet established a clearly differentiated competitive position or consistently strong profitability metrics.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does TOST pay dividends?
No — Toast, Inc. does not currently pay a dividend.
Toast does not currently pay a dividend. As a growth-oriented technology company, Toast reinvests available capital into platform expansion, product development, and customer acquisition rather than returning cash to shareholders through distributions.
When does TOST report earnings?
Toast, Inc. reports earnings on a quarterly cadence, typical for US-listed equities.
Toast has continued expanding its restaurant customer base and growing its payment processing volume, reflecting the platform's increasing adoption across independent and chain restaurant operators. Revenue growth has remained a key narrative for the company in recent reporting periods.
For the most recent quarter's results, visit Toast's investor relations page directly.
TOST Price History
-42.6% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Toast, Inc.?
Based on Toast, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
Frequently Asked Questions
What does Toast, Inc. do?
Toast provides an all-in-one cloud-based platform for restaurants, combining point-of-sale hardware, payment processing, online ordering, delivery management, and back-office software. The platform is designed specifically for the restaurant industry, helping operators manage both front-of-house and kitchen operations from a single system.
Does TOST pay dividends?
No, Toast does not pay a dividend. The company is focused on growth and reinvests capital into expanding its platform and customer base rather than distributing cash to shareholders.
When does TOST report earnings?
Toast reports on a standard quarterly schedule. For the exact timing of upcoming earnings releases, check Toast's official investor relations page, as specific dates are subject to change.
Is TOST a good stock to buy?
UQS Score rates TOST as Good overall, with a Strong Risk profile and Good Growth rating. Quality and Moat are Neutral, meaning the full picture requires weighing growth potential against competitive positioning. The complete pillar breakdown is available to Pro members on UQS Score.
Is TOST overvalued?
TOST carries a Neutral Valuation rating in the UQS framework, suggesting the market price is neither clearly attractive nor significantly elevated relative to the company's fundamentals. Pro members can view the detailed valuation metrics behind this rating.
What is TOST's market cap bracket?
Toast, Inc. is classified as a large-cap company, placing it among the larger publicly traded technology firms by market value.
Is TOST a long-term quality investment?
From a long-term quality perspective, Toast's Strong Risk rating and Good Growth profile are positive indicators. However, Neutral scores in Quality and Moat suggest the company still has ground to cover in building durable competitive advantages. UQS Score tracks these pillars over time for Pro members.
What sector does TOST belong to?
Toast operates in the Technology sector, specifically within restaurant and hospitality technology. It provides cloud-based software and integrated hardware solutions tailored to food service operators.
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Pro Analysis
TOST — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 21, 2026 | 58.4 | 47.5 | 40.0 | 71.6 | 77.1 | 71.0 | +0.1 |
| May 19, 2026 | 58.3 | 47.5 | 40.0 | 71.6 | 77.1 | 70.5 | -0.1 |
| May 15, 2026 | 58.4 | 47.6 | 40.0 | 71.6 | 77.1 | 71.0 | -0.3 |
| May 14, 2026 | 58.7 | 47.8 | 40.0 | 71.6 | 77.1 | 72.4 | +1.0 |
| May 11, 2026 | 57.7 | 46.9 | 40.0 | 71.8 | 77.1 | 67.1 | +2.1 |
| May 7, 2026 | 55.6 | 41.7 | 40.0 | 71.8 | 80.0 | 58.5 | +0.1 |
| May 6, 2026 | 55.5 | 41.7 | 40.0 | 71.8 | 80.0 | 57.7 | +0.1 |
| May 3, 2026 | 55.4 | 41.7 | 40.0 | 71.8 | 80.0 | 57.5 | 0.0 |
| Apr 26, 2026 | 55.4 | 41.7 | 40.0 | 71.8 | 80.0 | 57.2 | 0.0 |
| Apr 19, 2026 | 55.4 | 41.7 | 40.0 | 71.8 | 80.0 | 57.1 | -0.3 |
TOST — Pillar Breakdown
Quality
— 47.5/100 (25%)Toast, Inc. has average quality metrics, with room for improvement in margins or capital efficiency.
How effectively capital is deployed to generate returns.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Asset productivity — how much gross profit each dollar of assets generates.
Free cash flow relative to market value.
Growth
— 71.6/100 (20%)Toast, Inc. demonstrates healthy growth trends across revenue and earnings.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 77.1/100 (15%)Toast, Inc. carries minimal financial risk with conservative leverage and strong solvency.
Debt levels relative to earnings capacity.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 70.9/100 (15%)Toast, Inc. trades at a reasonable valuation with decent earnings yield and FCF multiples.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 40/100 (25%)Toast, Inc. possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for TOST.
Score Composition
Financial Data
More Stock Analysis
How is the TOST UQS Score Calculated?
The UQS (Unified Quality Score) for Toast, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Toast, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Toast, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.