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TOST · NYSE · United States · Services-Computer Processing & Data Preparation
In shortToast, Inc. is profitable.
Financial health
Solid
Built from five areas over the last five annual reports. Tap an area to see the figures behind it.
| Operating marginShare of each sale left after running the business, before interest and tax. | 4.7% | 32/100 |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 5.6% | 42/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 18.6% | 93/100 |
| Return on invested capitalProfit earned on all the capital used (equity and debt). Above 10% usually means a real competitive edge. | – | n/a |
Weight in the score: 25%
| Current ratioShort-term assets divided by short-term debts. Below 1 can mean tight cash. | 2.75× | 100/100 |
|---|---|---|
| Debt / equityDebt compared with the shareholders' stake. Above 2 is heavily indebted. | – | n/a |
| Net debt / EBITDAYears of operating profit needed to repay net debt. Below 2 is comfortable. | – | n/a |
| Interest coverageHow many times operating profit covers interest. Below 2 is risky. | – | n/a |
| Altman Z''Bankruptcy-risk model. Above 2.6 safe, below 1.1 distress. | 5.05 | 100/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 9.9% | 60/100 |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 1.78× | 100/100 |
| Years with positive free cash flow (last 5) | 3 of 5 | 50/100 |
Weight in the score: 20%
| Profitable years (last 5) | 2 of 5 | 40/100 |
|---|---|---|
| Years of revenue decline (last 5) | 0 of 5 | 100/100 |
| Revenue growth volatility | 33.8% | 0/100 |
| Operating margin volatility | 8.3% | 33/100 |
Weight in the score: 20%
| Revenue growth, 3-year average | 31.1% | 100/100 |
|---|---|---|
| EPS growth, 3-year average | – | n/a |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
2 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 1,705 | 2,731 | 3,865 | 4,960 | 6,153 |
| Cost of revenue | 1,391 | 2,220 | 3,031 | 3,770 | 4,560 |
| Gross profit | 314 | 511 | 834 | 1,190 | 1,593 |
| Research & development | 163 | 282 | 358 | 351 | 374 |
| Operating income | (228) | (384) | (287) | 16 | 292 |
| Interest expense | 12 | – | – | – | – |
| Pre-tax income | (490) | (277) | (244) | 22 | 346 |
| Income tax | (3) | (2) | 2 | 3 | 4 |
| Net income | (487) | (275) | (246) | 19 | 342 |
| Diluted EPS | −$1.68 | −$0.72 | −$0.47 | $0.03 | $0.56 |
| Diluted shares (millions) | 290 | 512 | 533 | 591 | 607 |
2 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 8 reported quarters (10-Q and 10-K filings), in USD millions. The fourth quarter is derived from the annual report.
The last 8 quarters of Toast, Inc. are included in the Investor plan. Try free for 7 days →
5.05 Safe zone
Estimates bankruptcy risk from working capital, retained earnings, operating profit and equity. Above 2.6 is considered safe, below 1.1 signals distress.
7/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Jun 30, 2026 · Data updated Aug 5, 2026