TOST's Quality Score fell 1 point on Fri, Oct 30, to 10. Its volume eased back to normal.
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Up 5.5% today, more than its fintech and payment peers' 1.5%; no story names it yet.
Lags the market
Down 49% since it listed in Sep 2021 while the S&P 500 rose 85%.
−1Insider trades
| Since its Nov 2021 high | Down 51% |
| Latest filing | 8-K, Oct 1 |
TodayNo story names it yet.
After its last 4 reports it closed +0.6% on average, higher 3 of 4 times.
TOST is #75 of 271 by Quality Score.
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Share count against a year before: TOST -0.3%, GPN +11%, PAY +0.6%.
Reports Tue Nov 3, after the close (tomorrow). Confirmed.
What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.
The figures are not read from the release yet.
“This outlook reflects our strategic decision to re-invest the $10 million tariff refund received in Q2.”
TOST's results filing gives no sales by line in a table we read.
| Measure | Figure |
|---|---|
| Adjusted EBITDA | $805M to $825M |
Sales grew 50% a year over 5 years, fiscal 2020 to 2025.
Its share count grew 5.8% a year over 3 years.
| Reported | Gap | Reaction | 5 sessions |
|---|---|---|---|
| Aug 4, 2026 | +3.8% | +2.9% | +3.2% |
| May 7, 2026 | -14.2% | -14.7% | -21.5% |
| Feb 12, 2026 | +3.3% | +4.5% | +3.6% |
Sales grew every year from 2019 to 2025, to $6.2B. It made a profit in two of the seven years.
6 insiders sold $2.7M across 10 filings in the last 6 months. No open-market buys on record. The newest:
3 trades disclosed in the last six months. The newest:
Officers and directors with a Form 4 in the last 12 months.
In ETFs: TOST is under 0.1% of SCHG and under 0.1% of VTI, the most of the 24 funds Breakaway covers, by each fund's latest filing, Jun 30 to Aug 31, 2026.
Toast Inc is a cloud-based, all-in-one digital technology platform purpose-built for the restaurant community. The company provides a comprehensive platform of software-as-a-service (SaaS) products and financial technology solutions, including integrated payment processing, restaurant-grade hardware, and a broad ecosystem of third-party partners. It serves as a restaurant operating system, connecting front of house and back of house operations across service models such as dine-in, takeout, and delivery. It operates through one reportable segment consisting of its SaaS products, financial technology solutions, integrated payments, hardware, and partner ecosystem.
“The market is competitive and evolving rapidly.”
TOST scores 10 today, which Breakaway calls Average. It is #75 of 271 in Software by Quality Score, with 4 of 14 chart checks firing. Down 49% since it listed in Sep 2021 while the S&P 500 rose 85%. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.
TOST scores 10 today, which Breakaway calls Average (6 to 10). That is #75 of 271 in Software by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind TOST's 10.
6 insiders sold $2.7M across 10 filings in the last 6 months. No open-market buys on record. The newest is Aman Narang, CEO, who sold $432K on Oct 2. Every filing, with the scored weight, for Pro members.
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