Global stock

NYSEUSD

Toast Inc.

TOST

AI analysis and articles are in Czech.

§ Financial healthLong-term stability

60/ 100

Overall score·TOST

Current price

32.71USD

23/10/2026

P/E, P/B

Valuation

Neutral

Rates whether the stock is cheap or expensive relative to its history and sector. A score above 60 suggests the stock trades below its estimated intrinsic value.

Tracks:P/E · P/B · FCF yield · sector

Valuaci podporuje forward P/E 18 a nízký PEG 0,23, zatímco trailing P/E 39,6, EV/EBITDA 33,4 a P/B 8,8 ukazují na náročnější ocenění. Růst tržeb i EPS je silný a ziskovost se zlepšuje, slabšími stránkami jsou vysoká beta a smíšené cenové momentum: cena je nad 200denním, ale pod 50denním průměrem.

§ Outlook vs S&P 500Next 12 months

About the same

Estimated chance of beating the index: about 50%

8 of 8 inputs

NoProbably notSameProbably yesYes

A model estimate from current values. The result may change with new data; it is not a price target or an investment recommendation.

§ Metrics summary

A quick look at Toast Inc. (TOST) combining financial health, the short-term signal, valuation, DCF, management quality and operating metrics. It is analytical context, not a recommendation to buy or sell.

60/100

The overall score is based mainly on long-term fundamentals, complemented by the current signal and the available qualitative rating of the company.

68/100

Slightly positive signal based on current news, price action and the economy.

48/100

A lower score means the stock is expensive relative to the company's earnings and assets.

68% above fair value

An estimate of what the stock should be worth based on the company's future cash.

+23%

How fast the company's revenue grows year on year.

68/100

How much the company earns from each unit of revenue and from invested capital.

48/100

Debt level, share-price volatility and how resilient the company is in bad times.

58/100

AI estimate of management quality, execution and capital allocation.

70/100

AI estimate of the company's durable competitive advantage.

§ Context and events

Management

Aman Narang je spoluzakladatel, CEO a člen představenstva; Stephen Fredette je prezident, spoluzakladatel a člen představenstva. Elena Gomez zastává funkci CFO a prezidentky. Strategie společnosti stojí na rozšiřování integrované softwarové a platební platformy pro restaurace a na růstu výnosů z předplatného i transakcí.

Articles about Toast Inc., in Czech (0)

No articles yet. New analyses are published daily.

§ Upcoming results

3 November 2026

in 7 days

Earnings

Earnings = quarterly financial results (revenue and profit). Companies publish them every three months and the share price often reacts strongly.

§ Frequently asked questions

What is Toast Inc. (TOST)?

Toast Inc. (TOST) is a global stock traded on NYSE. We track it daily — scoring news sentiment, the short-term outlook and long-term stability on a 0–100 scale.

What is the Toast Inc. price today?

As of 23 October 2026, Toast Inc. trades at about 32.71 USD per unit. We update the price daily from public market data. Intraday moves can differ significantly — always check the final price with your broker.

How to buy Toast Inc.?

Through regulated online brokers such as Degiro, XTB, Trading 212 or Interactive Brokers. Shares trade in USD or EUR — most brokers convert your currency automatically. FinSignal does not operate any of these platforms and charges no commission — the overview is only a signpost.

Does Toast Inc. pay a dividend?

Toast Inc. either pays no dividend at the moment or we have no reliable data on it. Many growth companies prefer reinvesting profit to paying dividends — check the current policy in the company's investor relations materials.

Is Toast Inc. a good investment in 2026?

Our AI signal currently rates Toast Inc. as slightly positive (score 68/100). Financial health comes out at 60/100, so beyond short-term news it is worth watching the valuation, growth, profitability and stability of the company. The DCF model currently puts the price about 68 % above its model fair value. FinSignal is not an investment adviser licensed under Czech Act No. 256/2004 Coll. — signals are analytical input, not a recommendation to buy or sell. You make every decision at your own risk.

§ More global stocks

Microsoft Corporation

Advanced Micro Devices

§ How to buy Toast Inc.

You can buy shares through regulated online brokers available in the EU. They differ mainly in fees, app quality and which markets they cover.

Degiro
Dutch broker with low fees for passive investors. No account fee, trading in EUR and USD.
XTB
Polish broker with zero commission on stocks and ETFs up to EUR 100,000 a month. Own xStation platform.
Trading 212
Zero-commission broker with fractional shares from EUR 1 and automated investing (Pies). Suits beginners and regular investing.
Interactive Brokers
US broker for advanced investors. The widest choice of markets, low costs at larger volumes, a professional platform with a steeper learning curve.

FinSignal operates none of these platforms. We charge no commission on purchases.

Important: Signals are an analytical tool, not investment advice within the meaning of Czech Act No. 256/2004 Coll. Past performance does not guarantee future results. You make all decisions at your own risk.

§ Current signalShort-term mood

/ 100

● Slightly positive

Earnings in 7 days

On 3 November 2026 the company publishes its quarterly results. This period tends to bring large price moves — the signal below does not reflect the results yet.

News summary

Older news

Signal 24/10, 01:01

Toast zveřejnil průzkum 702 pracovníků restaurací, v němž meziročně vzrostla spokojenost s výplatou o 12 bodů; pozitivní trend podpoří další zlepšování provozního prostředí restaurací.

Akcie za měsíc posílily o 9,16 % a rostou při vzestupném trendu a RSI 54, což podporuje krátkodobý výhled. Blížící se výsledky mohou potvrdit růst, ale vyšší volatilita a ocenění nad oborovým průměrem jej omezují.

Risks: Slabší než očekávané výsledky 3. listopadu nebo obrat růstového trendu by pozitivní výhled oslabil.

More about the signal

Risks: Slabší než očekávané výsledky 3. listopadu nebo obrat růstového trendu by pozitivní výhled oslabil.

Signal history· 2

21/1000:0161 · Slightly positive
Toast oznámil datum zveřejnění výsledků za 3. čtvrtletí 2026; samotné oznámení je neutrální, výhled může změnit až obsah výsledků.
17/1009:0158 · Slightly positive
BofA podle zprávy nově podpořila akcii Toastu; titul však zároveň klesl více než širší trh. Dopad zůstane příznivý, pokud se udrží zájem investorů a růst softwarových příjmů.

The full 90-day signal history is part of Premium.

Ask the AI

§ Model fair value (DCF)

Overvalued68% above fair value

19.52

range 15.9 – 24.3

Current price

32.71 USD

23 Oct 26

PriceFair value range (DCF)UndervaluedOvervalued

What the calculation is based on

Model

19.52 USD

range 15.9 USD – 24.3 USD

: 12.0%
: 10.5%
: 1.03 USD

Růst FCF 12 % p.a. předpokládá pokračující expanzi Toastu, ale zohledňuje, že aktuální růst tržeb a EPS nemusí být dlouhodobě udržitelný. Diskontní sazba 10,5 % odráží zvýšenou volatilitu spojenou s betou 1,744; terminální růst 2,5 % odpovídá dlouhodobému tempu ekonomiky.

DCF terms explained+

DCF (discounted cash flow) estimates how much cash the company will generate in the future and converts it into today's value per share.

Free cash flow (FCF) is the money left after running the business and investing. “12 m” means the last 12 months.

The discount rate expresses risk: the riskier the company, the higher the rate and the lower the fair value.

Fair value is a model estimate — not the market price and not an investment recommendation.

With Premium you can adjust growth, the discount rate and free cash flow, and the fair value recalculates live.

Adjust assumptions14 days free →

A model estimate, not an investment recommendation. Past performance does not guarantee future results.

§ Valuation check

Is the price reasonable?

Six quick tests: price against fair value, the last year, similar companies and analyst estimates. They are calculated from the numbers, not from AI estimates. This is not a recommendation.

Data 17 of 18

Valuation score

2/ 6

6/6 tests available

1. Below DCF fair value

67.6% above the DCF midpoint.

2. Well below DCF value

Discount = below the range or at least 15% below the midpoint.

3. Price vs. the last year

71% above the 1-year low (22.33 USD to 36.97 USD), based on stored daily prices.

4. P/E vs. similar companies

P/E 39.6 vs. median 35.1 (73 companies).

5. P/E relative to growth

PEG 0.2; a lower value means cheaper growth.

6. Analyst price target

19.0% vs. the current price, 26 analysts.

Price vs DCF

Current price

32.71 USD

Low 15.94 USDHigh 24.32 USD

Current priceDCF midpoint: 19.52 USD

Price vs analyst target

Current price

32.71 USD

Low 25.00 USDHigh 45.00 USD

Current priceAverage: 38.92 USD

DCF gap

above range

67.6% above the DCF midpoint (19.52 USD).

Analyst target

+19.0%

Average target 38.92 USD vs. price 32.71 USD.

Analyst consensus

Target range

25.00 USD - 45.00 USD

Coverage

26 analysts

Analyst consensus

1.8 / 5

Changes 180 d

+1 / -2

EPS next year

25.0%

Revenue next year

18.4%

Valuation multiples

39.6

18.0

8.8

2.7

33.4

0.2

52-week range71% above the low

22.33 USD36.97 USD

100.0%

23.0%

7.1%

25.2%

Price vs 50D-0.4%

Price vs 200D10.4%

Metrics explained+

Price and fair value

DCF range: A model estimate of fair value from future free cash flow. A price above the range means the market pays a premium over the model; a price below it may signal a more conservative market valuation or an overly optimistic model.
Analyst target: The average and range of the analyst price targets we track. It is the market consensus, not a FinSignal recommendation, and it can lag fast price moves.
52-week range: Shows where the current price sits between the low and high of the last year. A value near the high often signals strong momentum, but on its own says nothing about whether the stock is expensive.
Price vs 50D / 200D: Compares the price with its short- and long-term moving averages. A positive value means the price is above the trend; a negative one below it.

Multiples

P/E: Price relative to current earnings. A lower P/E can mean cheaper, but it can also point to a weak outlook or risk.
Forward P/E: Price relative to next year's expected earnings. For growing companies it is often more useful than the historical P/E because it reflects estimates of future earnings.
P/B: Price relative to the book value of equity. It makes more sense for banks, insurers and capital-intensive companies than for software or brands.
P/S: Price relative to revenue. It helps with companies that have low or negative earnings; a high P/S means the market expects strong growth or future margins.
EV/EBITDA: The value of the whole company, including debt, relative to operating profit before depreciation. Useful for comparing companies with different leverage.
PEG: P/E adjusted for earnings growth. A value around 1 may suggest the valuation matches growth, but the metric is sensitive to estimates.

Growth and quality

EPS growth: Year-on-year change in earnings per share. Strong growth supports a higher valuation, but for cyclical companies it can be temporary.
Revenue growth: The growth rate of sales. It helps tell whether profits grow on real demand or mainly on cost savings.
Net margin: How much of each unit of revenue is left as net profit. A higher margin often points to stronger pricing power or more efficient operations.
ROE: Return on equity. A high ROE can signal a quality business, but check that it is not artificially boosted by heavy debt.

Most data available. Missing values mean the market data source did not provide them for this ticker. The data is indicative and may be delayed. Price as of 23/10/2026.

Management and competitive advantage

Both are estimated by the AI from the company profile, news and results. They do not count towards the 6-pillar financial health score. The AI comments are in Czech.

good

Zakladatelské vedení a růst firmy podporují hodnocení, ale vysoká rizika v oblasti odměňování a práv akcionářů snižují skóre.

strong

Propojení pokladního systému, softwaru a plateb může zvyšovat náklady zákazníků na změnu platformy, konkurenční tlak v restauračním softwaru však výhodu omezuje.

Information

Type: Global stock
Symbol: TOST
Exchange: NYSE
Currency: USD
Sector: Informační technologie
: 39.6x
: 18.1B USD
: 1.74

§ Risk profile

Výsledky závisejí na počtu restaurací využívajících platformu a jejich platebním obratu; oslabení spotřebitelských výdajů může zasáhnout gastronomii i transakční výnosy. Český investor navíc nese měnové riziko USD/CZK a riziko vysokého kolísání růstové akcie.

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