Stocktoria
Toast, Inc. TOST
Toast, Inc. (TOST) earns a Piotroski F-score of 6/9 (mixed financial health), with an Altman Z″ in the safe zone. It does not currently pay a dividend. FY2025 revenue was $6.2B at a 5.6% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Beneish M-score: -2.94 — low (below −2.22 — no manipulation red flag) . A statistical screen for earnings manipulation, not proof — and it doesn't apply to most banks/insurers.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-08-12 | Truist Securities | Buy (main) |
| 2026-08-10 | DA Davidson | Neutral (main) |
| 2026-08-06 | Bernstein | Outperform (main) |
| 2026-08-05 | UBS | Buy (main) |
| 2026-08-05 | Citigroup | Buy (main) |
| 2026-08-05 | Oppenheimer | Outperform (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Forward estimates · earnings calendar →
Consensus analyst estimates and scheduled dates — forward-looking, may change.
How it ranks in Services · percentile among 982 companies
Percentile vs other Services companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 6/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″ components · safe zone
| Component | Value |
|---|---|
| Working capital / assets | 0.541 |
| Retained earnings / assets | -0.401 |
| EBIT / assets | 0.093 |
| Equity / liabilities | 2.08 |
Sector peers · similar-size Services companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| TOST | Toast, Inc. | 6/9 | 5.05 | 45.9 | +24.1% |
| BILI | Bilibili Inc. | 6/9 | — | — | +18.1% |
| VRSK | Verisk Analytics, Inc. | 5/9 | 6.12 | 25.9 | +6.6% |
| PLTK | Playtika Holding Corp. | 4/9 | -1.04 | — | +8.1% |
| WDAY | Workday, Inc. | 7/9 | 1.72 | 45.2 | +13.1% |
| RNG | RingCentral, Inc. | 8/9 | -5.56 | 71.9 | +4.8% |
| CLVT | CLARIVATE PLC | 4/9 | -1.51 | — | -4% |
About Toast, Inc.
Toast, Inc. operates a cloud-based digital technology platform for the restaurant industry in the United States, Ireland, India, and internationally. It offers a platform of software-as-a-service for restaurant operations and point of sale, such as Toast POS; Toast IQ, a conversational artificial intelligence; vendor management; multi-location management; kitchen display system; online ordering and delivery. It offers payroll and team management; inventory and supply chain tools; xtraCHEF by toast, a set of back-office tools for restaurants, including accounts payable automation, inventory management, ingredient price tracking, and recipe costing; financial technology solutions, including integrated payment processing, and restaurant-grade hardware. The company was formerly known as Opti Systems, Inc. and changed its name to Toast, Inc. in May 2012. Toast, Inc. was incorporated in 2011 and is headquartered in Boston, Massachusetts.
FAQ
Is TOST financially healthy?
Toast, Inc.'s Piotroski F-score is 6/9 (8–9 is excellent, 0–3 weak), and its Altman Z″ distress score is in the safe zone.
Does TOST pay a dividend?
No, Toast, Inc. does not currently pay a dividend.
How profitable is TOST?
In FY2025, Toast, Inc. had a net margin of 5.6% and a return on equity of 16.1%.
What is TOST's P/E ratio?
Toast, Inc.'s trailing price-to-earnings (P/E) ratio is about 45.9×, based on its latest annual earnings.
What is the analyst price target for TOST?
The average Wall-Street price target for Toast, Inc. is $38.38, about 12.7% above the recent price, from 26 analysts (consensus: buy).
Is TOST a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Toast, Inc.: a Piotroski F-score of 6/9, an Altman Z″ in the safe zone, a P/E of about 45.9×. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.