Toast/$TOST
Toast shares rise after Q3 recurring gross profit and adjusted EBITDA beat expectations and the company raised FY26 guidance, outweighing an adjusted EPS miss and cautious FY27 margin commentary.
4 hours agoLightyear AI
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Capital at risk
About Toast
Toast Inc is a cloud-based, all-in-one digital technology platform purpose-built for the restaurant community. The company provides a comprehensive platform of software-as-a-service (SaaS) products and financial technology solutions, including integrated payment processing, restaurant-grade hardware, and a broad ecosystem of third-party partners. It serves as a restaurant operating system, connecting front of house and back of house operations across service models such as dine-in, takeout, and delivery. It operates through one reportable segment consisting of its SaaS products, financial technology solutions, integrated payments, hardware, and partner ecosystem.
- Ticker
- $TOST
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 6,500
- Headquarters
- Boston, United States
- Website
- www.pos.toasttab.com
Toast Metrics
BasicAdvanced
$19B
42.63
$0.79
1.73
-
Price and volume
Market cap
$19B
Beta
1.73
52-week high
$39.67
52-week low
$22.26
Average daily volume
8.5M
Financial strength
Current ratio
2.4
Quick ratio
1.68
Profitability
EBITDA (TTM)
487
Gross margin (TTM)
26.79%
Net profit margin (TTM)
7.14%
Operating margin (TTM)
6.41%
Effective tax rate (TTM)
2.41%
Revenue per employee (TTM)
$1,050,000
Management effectiveness
Return on assets (TTM)
9.16%
Return on equity (TTM)
25.16%
Valuation
Price to earnings (TTM)
42.634
Price to revenue (TTM)
2.883
Price to book
9.46
Price to tangible book (TTM)
10.09
Price to free cash flow (TTM)
34.054
Free cash flow yield (TTM)
2.94%
Free cash flow per share (TTM)
0.985
Growth
Revenue change (TTM)
23.06%
Earnings per share change (TTM)
110.76%
3-year revenue growth (CAGR)
27.05%
3-year earnings per share growth (CAGR)
2.87%
What the Analysts think about Toast
Analyst ratings (Buy, Hold, Sell) for Toast stock.
Analyst projections of the future price of Toast stock.
Bulls say / Bears say
Toast added 8,500 locations in Q3, lifting its network 21% to about 189,000; ARR grew 24% and payment volume rose 20%. It raised its 2026 outlook to 26% recurring gross profit growth and $840–$850 million of adjusted EBITDA. (SEC)
Profitability is improving alongside growth: Q3 operating income nearly doubled year on year to $165 million, while net income rose to $169 million. Free cash flow also increased to $181 million from $153 million a year earlier. (SEC)
Toast is expanding beyond its core independent restaurants: its enterprise, international and retail businesses are approaching $200 million in combined ARR, and Bagel Brands plans to roll out Toast across 800 sites. These newer markets offer room to extend the growth runway if Toast can execute well. (The Motley Fool)
Toast and Square are discounting point-of-sale hardware more aggressively to win locations, while device costs are also rising. That combination could make customer acquisition more expensive and weigh on margins if future software and payments revenue does not pay back the subsidies. (Payments Dive)
Growth is set to cool from Q3: Toast guided to 22–24% subscription and fintech gross profit growth in Q4, versus 27% recurring gross profit growth in Q3. Management also expects only very modest margin progress in 2027 as it invests in new markets and products. (SEC, The Motley Fool)
Toast’s Q3 earnings per share came in below analyst expectations despite a small revenue beat. The miss suggests that strong sales growth may not translate into earnings as smoothly as investors expect. (Investing.com)
Data summarised monthly by Lightyear AI. Last updated on 4 Nov 2026.
Toast Financial Performance
Revenues and expenses
Toast Earnings Performance
Company profitability
Upcoming events
No upcoming events
Toast News
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Funds containing Toast
AllUSDEURGBP
Fund name | Fund size | $TOST weighting |
|---|---|---|
iShares Digitalisation$DGTL | $761M | 0.68% |
iShares Digitalisation£DGIT | $813M | 0.68% |
SPDR S&P 400 US Mid Cap$SPY4 | $6.4B | 0.50% |
SPDR S&P 400 US Mid Cap£SPX4 | $6.4B | 0.50% |
JPMorgan US Equity Premium Income£JEIP | $532M | 0.12% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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