VYX vs TOST

For growth investors, Toast, Inc.

(TOST) is the stronger pick with 24. 1% revenue growth year-over-year, versus -4. 9% for NCR Voyix Corporation (VYX). NCR Voyix Corporation (VYX) offers the better valuation at 23. 4x trailing P/E (7. 8x forward), making it the more compelling value choice. Analysts rate NCR Voyix Corporation (VYX) a "Buy" — based on 15 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, NCR Voyix Corporation (VYX) is the cheapest at 23.

4x versus Toast, Inc. at 50. 6x. On forward P/E, NCR Voyix Corporation is actually cheaper at 7. 8x.

Over the past 5 years, Toast, Inc.

(TOST) delivered a total return of -54. 7%, compared to -75. 8% for NCR Voyix Corporation (VYX). Over 10 years, the gap is even starker: TOST returned -54. 7% versus VYX's -59. 1%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Toast, Inc.

(TOST) is the lower-risk stock at 1. 44β versus NCR Voyix Corporation's 1. 68β — meaning VYX is approximately 17% more volatile than TOST relative to the S&P 500. On balance sheet safety, Toast, Inc. (TOST) carries a lower debt/equity ratio of 2% versus 139% for NCR Voyix Corporation — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Toast, Inc.

(TOST) is pulling ahead at 24. 1% versus -4. 9% for NCR Voyix Corporation (VYX). On earnings-per-share growth, the picture is similar: Toast, Inc. grew EPS 1639% year-over-year, compared to 107. 4% for NCR Voyix Corporation. Over a 3-year CAGR, TOST leads at 31. 1% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

Toast, Inc.

(TOST) is the more profitable company, earning 5. 6% net margin versus 1. 6% for NCR Voyix Corporation — meaning it keeps 5. 6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: TOST leads at 5. 0% versus 1. 0% for VYX. At the gross margin level — before operating expenses — TOST leads at 25. 8%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

On forward earnings alone, NCR Voyix Corporation (VYX) trades at 7.

8x forward P/E versus 22. 8x for Toast, Inc. — 15. 1x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for VYX: 77. 8% to $12. 50.

In this comparison, VYX (1.

5% yield) pays a dividend. TOST does not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, NCR Voyix Corporation (VYX) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (1.

5% yield). Both have compounded well over 10 years (VYX: -59. 1%, TOST: -54. 7%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Technology sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

In terms of investment character: VYX is a small-cap quality compounder stock; TOST is a mid-cap high-growth stock. VYX pays a dividend while TOST does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.