← Back to Screener
US Stock Screener
HomeScreensNewsWatchlist
...

Toast, Inc. (TOST) 10-Year Financial Performance & Capital Metrics

TOST • • Industrial / General
TechnologyInfrastructure SoftwarePayment Processing & Digital CommerceEnterprise Payment Processors
AboutToast, Inc. operates a cloud-based and digital technology platform for the restaurant industry in the United States and Ireland. The company offers Toast Point of Sale (POS), a hardware product; Toast Order & Pay, which allows guests to order and pay from their mobile devices; Toast Flex that is used for on-counter order and pay, as well as used as a server station, guest kiosk, kitchen display system, or order fulfillment station; Toast Go, a handheld POS device that enhances the table turn times through tableside ordering and payment acceptance; and Toast Tap, a card reader. It also provides kitchen display system software that connects the front of the house with the kitchen staff; multi-location management software, which allows customers to manage and standardize their operations and configure menus; xtraCHEF that provides back-office tools; and Toast Flex for Kitchen, a larger format mountable piece of hardware that can be used as a kitchen screen. In addition, the company offers Toast Online Ordering & Toast TakeOut app, a software-based platform that provides restaurants to take off-premises orders directly through their branded website; First-Party Delivery services for restaurants to manage a fleet of drivers, and customize delivery hours, zones, fees, and minimum ticket sizes; Toast Delivery Services, which enables restaurants to utilize a partner network of delivery drivers; and Toast Delivery Partners services. Further, it provides loyalty programs and gift cards; payroll and team management products; business owner policy insurance and restaurant-specific add-ons; payment processing solutions; loans advanced to restaurants; purchase financing; reporting and analytics solutions; Toast Partner Connect that allows customers to discover, select, and connect their restaurant to its partners; and bi-directional APIs. The company was incorporated in 2011 and is headquartered in Boston, Massachusetts.Show more
  • Revenue $4.96B +28.3%
  • EBITDA $62M +124.3%
  • Net Income $19M +107.7%
  • EPS (Diluted) 0.03 +106.9%
  • Gross Margin 23.99% +11.2%
  • EBITDA Margin 1.25% +118.9%
  • Operating Margin 0.32% +104.3%
  • Net Margin 0.38% +106.0%
  • ROE 1.39% +106.5%
  • ROIC 1.83% +105.4%
  • Debt/Equity 0.02 -40.3%
  • Interest Coverage -
Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

  • ✓Company is almost debt free
  • ✓Strong Piotroski F-Score: 8/9
  • ✓High quality earnings: Operating CF exceeds net income
  • ✓Strong 5Y sales CAGR of 49.5%
  • ✓Efficient asset utilization: 2.0x turnover

✗Weaknesses

  • ✗Shares diluted 10.9% in last year
  • ✗Trading more than 30% below 52-week high
  • ✗Expensive at 12.9x book value

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-
5Y49.46%
3Y42.75%
TTM25.76%

Profit (Net Income) CAGR

10Y-
5Y-
3Y-
TTM657.14%

EPS CAGR

10Y-
5Y-
3Y-
TTM431.72%

ROCE

10Y Avg-42.63%
5Y Avg-25.5%
3Y Avg-16.78%
Latest1.09%

Peer Comparison

Enterprise Payment Processors
Select Columns
Size & Scale
Valuation
Per Share
Growth
Profitability
Quality & Returns
Safety & Leverage
TTM Growth
Famous Investor Metrics
Dividends
Latest Quarter
Momentum & Returns
Total Return (DRIP)
Technical
Volume & Trading
Shares & Dilution
Sector-Specific
NameMarket CapCurrent PriceP/E RatioRevenue Growth 1YNet MarginROEFCF YieldDebt/Equity
TOSTToast, Inc.17.39B33.761048.4528.33%4.66%13.56%1.76%0.02
DLODLocal Limited2.42B14.5937.4114.7%17.8%33.87%0.11
IIIVi3 Verticals, Inc.615.36M25.6736.67-7.29%55.87%25.96%0.93%0.01
ACIWACI Worldwide, Inc.4.48B43.4922.779.76%15.07%17.64%7.66%0.67
FOURShift4 Payments, Inc.4.45B65.9121.7529.86%5.02%8.73%6.97%2.83
WEXWEX Inc.5.51B160.5721.413.15%10.81%25.38%6.07%2.99
EVTCEVERTEC, Inc.1.93B30.1217.4121.7%16.17%20.63%8.91%1.86
XYZBlock, Inc.35.55B64.9214.2710.06%13.08%13.95%4.37%0.37

Profit & Loss

Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024
Sales/Revenue+665M823M1.71B2.73B3.87B4.96B
Revenue Growth %-0.24%1.07%0.6%0.42%0.28%
Cost of Goods Sold+603M683M1.39B2.22B3.03B3.77B
COGS % of Revenue0.91%0.83%0.82%0.81%0.78%0.76%
Gross Profit+62M140M314M511M834M1.19B
Gross Margin %0.09%0.17%0.18%0.19%0.22%0.24%
Gross Profit Growth %-1.26%1.24%0.63%0.63%0.43%
Operating Expenses+275M360M542M895M1.12B1.17B
OpEx % of Revenue0.41%0.44%0.32%0.33%0.29%0.24%
Selling, General & Admin211M251M379M613M763M777M
SG&A % of Revenue0.32%0.3%0.22%0.22%0.2%0.16%
Research & Development64M109M163M282M358M351M
R&D % of Revenue0.1%0.13%0.1%0.1%0.09%0.07%
Other Operating Expenses0000046M
Operating Income+-213M-220M-228M-384M-287M16M
Operating Margin %-0.32%-0.27%-0.13%-0.14%-0.07%0%
Operating Income Growth %--0.03%-0.04%-0.68%0.25%1.06%
EBITDA+-206M-193M-207M-360M-255M62M
EBITDA Margin %-0.31%-0.23%-0.12%-0.13%-0.07%0.01%
EBITDA Growth %-0.06%-0.07%-0.74%0.29%1.24%
D&A (Non-Cash Add-back)7M27M21M24M32M46M
EBIT-212M-236M-228M-384M-287M62M
Net Interest Income+2M-11.81M-12M11M37M42M
Interest Income2M842K011M37M42M
Interest Expense012.65M12M000
Other Income/Expense1M-28M-262M107M43M6M
Pretax Income+-212M-248M-490M-277M-244M22M
Pretax Margin %-0.32%-0.3%-0.29%-0.1%-0.06%0%
Income Tax+-3M0-3M-2M2M3M
Effective Tax Rate %0.99%1%0.99%0.99%1.01%0.86%
Net Income+-209M-248M-487M-275M-246M19M
Net Margin %-0.31%-0.3%-0.29%-0.1%-0.06%0%
Net Income Growth %--0.19%-0.96%0.44%0.11%1.08%
Net Income (Continuing)-209M-248M-487M-275M-246M19M
Discontinued Operations000000
Minority Interest000000
EPS (Diluted)+-0.45-0.54-0.97-0.72-0.470.03
EPS Growth %--0.2%-0.8%0.26%0.35%1.07%
EPS (Basic)-0.45-0.54-0.97-0.72-0.470.03
Diluted Shares Outstanding461.18M461.18M502.61M512.24M533M591M
Basic Shares Outstanding461.18M461.18M500.05M511.75M532M559M
Dividend Payout Ratio------

Balance Sheet

Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024
Total Current Assets+228.47M656.27M1.46B1.36B1.51B1.9B
Cash & Short-Term Investments150.37M581.82M1.27B1.02B1.12B1.42B
Cash Only150.37M581.82M809M547M605M903M
Short-Term Investments00457M474M519M514M
Accounts Receivable44.63M33.8M55M77M127M115M
Days Sales Outstanding24.4914.9911.7710.2911.998.46
Inventory15.39M19.33M63M130M124M118M
Days Inventory Outstanding9.3110.3316.5321.3714.9311.42
Other Current Assets6.71M10.64M41M108M111M251M
Total Non-Current Assets+77.28M119.69M280M398M448M562M
Property, Plant & Equipment19.96M34.06M120M138M111M123M
Fixed Asset Turnover33.32x24.17x14.21x19.79x34.82x40.33x
Goodwill35.89M35.89M74M0113M113M
Intangible Assets16.66M16.89M16M136M26M20M
Long-Term Investments2.31M1.21M8M28M55M59M
Other Non-Current Assets2.46M31.64M62M96M143M192M
Total Assets+305.74M775.96M1.74B1.76B1.96B2.46B
Asset Turnover2.18x1.06x0.98x1.55x1.97x2.01x
Asset Growth %-1.54%1.24%0.01%0.11%0.26%
Total Current Liabilities+139.7M136.41M352M496M663M811M
Accounts Payable31.52M30.55M40M30M32M37M
Days Payables Outstanding19.0816.3310.54.933.853.58
Short-Term Debt9.22M022M14M11M10M
Deferred Revenue (Current)1000K1000K1000K1000K1000K1000K
Other Current Liabilities42.62M42.2M203M339M478M579M
Current Ratio1.64x4.81x4.13x2.75x2.28x2.34x
Quick Ratio1.53x4.67x3.95x2.49x2.09x2.20x
Cash Conversion Cycle14.738.9917.8126.7323.0716.3
Total Non-Current Liabilities+496.47M1.11B292M167M101M107M
Long-Term Debt446.56M1.02B0000
Capital Lease Obligations0077M80M33M24M
Deferred Tax Liabilities0000055M
Other Non-Current Liabilities4.02M55.85M203M80M68M28M
Total Liabilities636.17M1.25B644M663M764M918M
Total Debt+455.78M1.02B99M94M44M34M
Net Debt305.41M438.78M-710M-453M-561M-869M
Debt / Equity--0.09x0.09x0.04x0.02x
Debt / EBITDA-----0.55x
Net Debt / EBITDA------14.02x
Interest Coverage--17.39x-19.00x---
Total Equity+-330.43M-470.98M1.09B1.1B1.19B1.54B
Equity Growth %--0.43%3.32%0.01%0.09%0.29%
Book Value per Share-0.72-1.022.172.142.242.61
Total Shareholders' Equity-330.43M-470.98M1.09B1.1B1.19B1.54B
Common Stock000000
Retained Earnings-385.92M-615.87M-1.1B-1.38B-1.62B-1.6B
Treasury Stock-460K-665K0000
Accumulated OCI-55K228K-1M-2M0-1M
Minority Interest000000

Cash Flow

Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024
Cash from Operations+-126M-125M2M-156M135M360M
Operating CF Margin %-0.19%-0.15%0%-0.06%0.03%0.07%
Operating CF Growth %-0.01%1.02%-79%1.87%1.67%
Net Income-209M-248M-487M-275M-246M19M
Depreciation & Amortization7M27M21M24M32M46M
Stock-Based Compensation34M86M159M238M287M258M
Deferred Taxes-3M0-3M-5M00
Other Non-Cash Items1M38M301M-9M121M185M
Working Capital Changes44M-28M11M-129M-59M-148M
Change in Receivables-26M-13M-23M-35M-3M-72M
Change in Inventory-7M-4M-23M-68M-7M0
Change in Payables15M-6M15M-11M1M5M
Cash from Investing+-47M-36M-503M-98M-86M-39M
Capital Expenditures-9M-28M-12M-16M-42M-54M
CapEx % of Revenue0.01%0.03%0.01%0.01%0.01%0.01%
Acquisitions------
Investments------
Other Investing-5M-8M-6M-17M-3M0
Cash from Financing+256M594M759M38M63M18M
Debt Issued (Net)------
Equity Issued (Net)------
Dividends Paid000000
Share Repurchases------
Other Financing-2M7M20M23M27M-61M
Net Change in Cash------
Free Cash Flow+-141M-161M-17M-189M93M306M
FCF Margin %-0.21%-0.2%-0.01%-0.07%0.02%0.06%
FCF Growth %--0.14%0.89%-10.12%1.49%2.29%
FCF per Share-0.31-0.35-0.03-0.370.170.52
FCF Conversion (FCF/Net Income)0.60x0.50x-0.00x0.57x-0.55x18.95x
Interest Paid05M13M000
Taxes Paid0001M2M3M

Key Ratios

Metric201920202021202220232024
Return on Equity (ROE)---157.09%-25.13%-21.47%1.39%
Return on Invested Capital (ROIC)---98.05%-56.14%-33.69%1.83%
Gross Margin9.32%17.01%18.42%18.71%21.58%23.99%
Net Margin-31.43%-30.13%-28.56%-10.07%-6.36%0.38%
Debt / Equity--0.09x0.09x0.04x0.02x
Interest Coverage--17.39x-19.00x---
FCF Conversion0.60x0.50x-0.00x0.57x-0.55x18.95x
Revenue Growth-23.76%107.17%60.18%41.52%28.33%

Revenue by Segment

2021202220232024
Technology Service1.41B2.27B3.19B4.05B
Technology Service Growth-61.31%40.61%27.09%
License169M324M500M706M
License Growth-91.72%54.32%41.20%
Product112M113M--
Product Growth-0.89%--
Professional Services18M26M--
Professional Services Growth-44.44%--

Frequently Asked Questions

Growth & Financials

Toast, Inc. (TOST) reported $5.86B in revenue for fiscal year 2024. This represents a 781% increase from $665.0M in 2019.

Toast, Inc. (TOST) grew revenue by 28.3% over the past year. This is strong growth.

Yes, Toast, Inc. (TOST) is profitable, generating $273.0M in net income for fiscal year 2024 (0.4% net margin).

Dividend & Returns

Toast, Inc. (TOST) has a return on equity (ROE) of 1.4%. This is below average, suggesting room for improvement.

Toast, Inc. (TOST) generated $564.0M in free cash flow for fiscal year 2024. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

VCP Scanner

Find stocks. Verify deeply. Act with conviction.

Patterns find ideas. Fundamentals build conviction.

Data updated daily

Quick Links

  • Home
  • Screens
  • Valuation
  • Compare
  • Total Return
  • News
  • Insights
  • Methodology
  • How It Works
  • Profile

Popular Screens

  • VCP Hot
  • VCP Warm
  • Value Screens
  • Growth Screens
  • Momentum Screens
  • Technical Screens
  • Quality Screens

Community

  • Twitter
  • Get Early Access
© 2026 VCP Scanner. All rights reserved.
Made with ❤️ for investors
Not financial advice. Do your own research.