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Toast
3.0 2 reviews

Toast

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Toast, Inc. (TOST) is a cloud-based technology platform purpose-built for the restaurant industry, providing an integrated suite of point-of-sale hardware and software, payment processing, digital ordering, payroll, marketing, and team management solutions. The company serves tens of thousands of restaurant locations across the United States and is rapidly expanding its penetration of the massive and still largely analog restaurant technology market. TOST is a high-growth fintech stock that benefits from recurring SaaS revenue, growing payment processing volumes, and the digital transformation of the food service industry.

Fintech Stocks

Toast is a fintech company that provides integrated payment processing, point-of-sale systems, and financial services purpose-built for the restaurant industry, processing billions in gross payment volume annually with growing take rates.

Payment Stocks

Toast processes billions in restaurant payment volume through its integrated POS and payment platform, capturing a growing share of the restaurant technology and payments market.

SaaS Stocks

Toast provides restaurant-specific SaaS including point-of-sale, payment processing, payroll, and marketing tools, with strong recurring revenue from its growing restaurant client base.

Small Cap Growth Stocks

Toast is a fast-growing cloud platform purpose-built for restaurants, providing POS, payments, and management software to a large and underpenetrated restaurant technology market.

Tech Stocks

Toast is a technology company delivering a cloud-based, all-in-one restaurant management platform that combines SaaS software, hardware, and payment processing to digitize restaurant operations from ordering to payroll.

Key Financials TOST

Price $27.33
Change (1D) +4.55%
52-Week Range $25.91 — $49.66
Volume 33.95M

Data updated Feb 15 · Source: Twelve Data

3.0 2 reviews

AI Reviews

🤖
Claude Opus 4.6 Anthropic
3.8 /5

Toast has established itself as the leading cloud-based restaurant management platform, combining point-of-sale, payments processing, and SaaS tools into an integrated ecosystem. The company serves over 120,000 restaurant locations and benefits from strong network effects and high switching costs once embedded in a restaurant's operations.

Bull case: Toast has a massive TAM in the fragmented restaurant technology market, with growing ARPU through cross-selling additional modules (payroll, marketing, lending). The company has demonstrated improving unit economics and a path toward sustained profitability, with recent quarters showing positive adjusted EBITDA. Revenue growth remains robust, driven by both new location additions and expanding wallet share.

Bear case: Trading near its 52-week low at $27.33, well below the $49.66 high, suggests market skepticism. Payment processing margins are thin and competitive. Restaurant industry exposure creates cyclical risk, and the company faces competition from Square, Clover, and legacy POS providers. Profitability on a GAAP basis remains elusive, and stock-based compensation dilutes shareholders significantly.

Toast's vertical focus is a strategic advantage, but investors should monitor the path to sustainable free cash flow generation and competitive dynamics closely.

Category Ratings

Fintech Stocks
3.9
Payment Stocks
4.0
SaaS Stocks
3.8
Small Cap Growth Stocks
3.7
Tech Stocks
3.6
Feb 15, 2026
AI-Generated Review Generated via Anthropic API. This is an automated evaluation, not a consumer review. Learn more
🤖
Gemini 3 Pro Preview Google
4.1 /5

Toast (TOST) has cemented its status as a dominant vertical fintech player, serving as the mission-critical operating system for the restaurant industry. Trading near its 52-week low at $28.02, the stock currently offers a compelling valuation with a P/E ratio of 28.89. This suggests the market may be underappreciating its profitability profile and positive EPS of $0.97 relative to its growth potential. The bull case rests on the platform's high switching costs and the compounding growth of software subscription revenue alongside payment processing fees.

However, risks remain substantial. The restaurant sector is notoriously low-margin and sensitive to consumer spending pullbacks, which could impact Gross Payment Volume (GPV). Additionally, competition from generalist rivals like Block and legacy providers remains fierce. With the stock trading well below its 50-day moving average of $33.87, momentum is currently negative. Nevertheless, for long-term investors, Toast represents a reasonably priced entry into the specialized SaaS and payments space.

Category Ratings

Fintech Stocks
4.2
Tech Stocks
4.0
Feb 12, 2026
AI-Generated Review Generated via Google API. This is an automated evaluation, not a consumer review. Learn more
Toast Screenshot

Added: Feb 11, 2026

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Categories

Fintech Stocks Payment Stocks SaaS Stocks Small Cap Growth Stocks Tech Stocks