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TOTOST

Toast, Inc.

Strong FundamentalsStrong FundamentalsRevenue growing 22% YoYStreet coverage with positive forward estimatesConsistent chatter on X (124/wk), no spike
$TOST·$17B·Software - Infrastructure·Technology
$31.62-1.9%YTD-15.1%1Y-15.5%
Price updated 3h ago·X counts updated 5d ago
TOTOST
$TOSTToast, Inc.
$31.62-1.86%124 posts1×
AI analysisFundamentalsVoices on X
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On X

Top X posts

The complete picture of $TOST on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

124X posts · last 7 days
Sep 28Oct 11
Chatter Meter
1×
QuietNormal · 1×Loud

How loud $TOST's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level.

Bullish sentimentAI analysisGenerated by AI from underlying data5 posts analyzed · as of 2026-09-04

$TOST (Toast) chatter is bullish. TOST trading at 40 P/E — 'one of my personal favorites in the market today.' TOST 'simply just continues to execute — nearly a perfect line up and to the right showcasing total live locations.' Some technical bear: BNP Paribas Exane downgraded from Outperform to Neutral with PT $35 (from $38) — 'beat-and-raise story ending as Square and private players gain.' Overall bullish execution.

Read what X is saying about $TOST

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $TOST — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersWinding up for a moveAI verdict · as of 2026-10-03

Trading in a tight range and building pressure — a move looks likely soon, but the direction isn't clear yet.

Restaurant software still growing 22% with margin expansion — BNP's downgrade frames the fair pushback.

Toast is the vertical software and payments platform for restaurants — all-in-one POS, back-office, and card processing. The 2026 story has been clean growth meeting a competitive-pressure debate from Square and private players.

  • The P&L is still working: Q2 revenue grew 22% YoY to $1.63B at a 6.7% operating margin and $0.21 EPS, with trailing EPS beats of 5.5% and 6.2% — modest but consistent surprises on a business whose unit economics are getting better as scale arrives.
  • The specific pushback is specific: BNP Paribas Exane downgraded from Outperform to Neutral with PT cut to $35 from $38, framing the 'beat-and-raise story ending as Square and private players gain share' — this is the kind of comp-pressure argument that caps multiples even when the fundamentals are fine.

At 43% of its 52-week range going into Nov 3 earnings, the setup is a coil on the growth-vs-competition tension. A 20%+ revenue print with net-location growth above 25% is the trigger for a reclaim; a soft net-location add or any competitive-win-loss color against Square is the invalidation.

Agrees with X sentimentThe bullish '40 P/E personal favorite' thesis is matched by the execution; the BNP downgrade is honest technical pushback on multiple compression risk. Both views are grounded.

What to watch: Nov 3 Q3 earnings — net new locations, gross payment volume, operating margin direction, and competitive-dynamics commentary. 25%+ net new locations is the trigger; soft location add is the invalidation.

On the calendar: 2026-11-03 — Q3 earnings

event ahead 30dcompetition pressure

Read the AI verdict on $TOST

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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What it does

Plain-English summary of the business — what they sell and how they make money.

Cloud-based restaurant POS and management platform bundling hardware, payments, and SaaS tools for US restaurants.

Industry overviewAI analysisGenerated by AI from underlying data

Where Software - Infrastructure sits in its cycle right now — and what that implies for $TOST.

Software - Infrastructure · Technology

No material change from last week — AI infrastructure capex bifurcates the cohort — GPU-cloud providers and AI-native security platforms absorbing enterprise spend, while legacy SaaS faces multiple compression. GPU-cloud platforms and AI-native security tools absorb enterprise spend while legacy SaaS faces multiple compression.

What this means for $TOST

Partial — Cloud-based restaurant POS and management platform bundling hardware, payments, and SaaS tools for US restaurants.; AI infrastructure capex bifurcates the cohort; exposure depends on workload alignment with GPU-cloud and AI-native security architectures.

Top industry ETF

$IGViShares Expanded Tech-Software Sector ETF
+4.2%YTD
-7.5%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
35.1How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
17.6%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
5.6%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
4.6%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
2.2Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
20.7%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
26.2%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.0Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Aug 4, 2026$0.34$0.32+5.5%
Q1 2026May 7, 2026$0.29$0.27+6.2%
Q4 2025Feb 12, 2026$0.23$0.24-3.8%
Q3 2025Nov 4, 2025$0.25$0.24+4.4%
Next earningsTue, Nov 3·consensus EPS $0.36

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$1.6B+21.9%27.4%6.7%$0.21$115.0M
Q4 FY25$1.6B+22.0%25.7%5.5%$0.17$178.0M
Q3 FY25$1.6B+25.1%26.5%5.1%$0.18$153.0M
Q2 FY25$1.6B+24.8%25.3%5.2%$0.14$208.0M

Forward consensus

4-year forecast · up to 20 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$7.5B$7.4B – $7.5B$1.39$1.33 – $1.4220
FY27$8.8B$8.7B – $9.0B$1.73$1.65 – $1.8220
FY28$10.4B$10.0B – $10.9B$2.18$1.68 – $2.5215
FY29$12.0B$11.7B – $12.3B$2.66$2.59 – $2.7510

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.1.1×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.57%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-1.3%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+9.1%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatHigh float · 484.9M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today1.9% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β1.745-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellOct 5Jonathan VassilChief Revenue Officer7.6K sh$230KSellOct 2Elena GomezCFO11.9K sh$349KSellOct 2Stephen FredettePresident9.4K sh$275KSellOct 2Aman NarangCEO14.7K sh$432KSellOct 2Brian R ElworthyGeneral Counsel6.5K sh$191KSellOct 2Jonathan VassilChief Revenue Officer13.5K sh$400KSellSep 2Jonathan VassilChief Revenue Officer14.3K sh$484KSellAug 21Jonathan VassilChief Revenue Officer85.3K sh$3.1MSellAug 19Jonathan VassilChief Revenue Officer13.9K sh$502KSellAug 11Jonathan VassilChief Revenue Officer13.8K sh$497K
1–10 of 30
+ 36 other (29 exempts · 7 awards) in window

See when $TOST insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KOfficer or director changeOct 18-K — Item 5.02: Officer or director change
AI summary

Jonathan Vassil, Chief Revenue Officer of Toast, Inc., notified the company on September 28, 2026 of his planned retirement, with his last day as CRO effective December 31, 2026. Vassil will continue as a non-executive employee through April 2, 2027 to support transition. The resignation is voluntary and unrelated to any company disagreement or dispute. Planned senior leadership transition with a multi-month handover runway; no successor was named in the filing.

8-KShareholder voteJun 158-K — Item 5.07: Shareholder vote
AI summary

Toast, Inc. (TOST) reported annual meeting vote results (Item 5.07) in an 8-K filed June 15, 2026. Body unavailable — excerpt cuts off before specific vote tallies are disclosed.

+ 14 other (5 13Gs · 2 10-Qs · 2 earnings 8-Ks · 2 proxys) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Here is What to Know Beyond Why Toast, Inc. (TOST) is a Trending Stockzacks.com·2d agoToast: Strong Operating Leverage With More Growth Aheadseekingalpha.com·2d agoIs It Worth Investing in Toast (TOST) Based on Wall Street's Bullish Views?zacks.com·3d agoToast (TOST) Outperforms Broader Market: What You Need to Knowzacks.com·7d agoNew Toast IQ Team and Expanded Toast IQ Grow Help Businesses Drive Profits, Attract Guests, and Manage Laborbusinesswire.com·11d ago

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TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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