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Try Stocky free →Hold. Toast's 72/100 Growth Compounder Score reflects solid cloud software fundamentals, but a 24.6× forward P/E demands sustained high growth to justify valuation. Leadership alignment is solid (founder-CEO PaulDam), yet structural risks—dependency on a single bank partner for Toast Capital and reliance on third-party cloud/payment processors for data security—create meaningful vulnerabilities that cap upside until diversified.
Every stock is scored across six proprietary dimensions built for retail investors who want Buffett-quality analysis without a Bloomberg subscription. Here's the actual snapshot for TOST:
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Stocky rates TOST (TOST) at 64/100 — a Hold — quality is solid but valuation or risk factors cap upside. The score fuses business quality, moat width, leadership alignment, valuation and analyst signal into a single number. Hold. Toast's 72/100 Growth Compounder Score reflects solid cloud software fundamentals, but a 24.6× forward P/E demands sustained high growth to justify valuation. Leadership alignment is solid (founder-CEO PaulDam), yet structural ris
TOST's current Stocky Verdict is 64/100, placing it in the "Hold" band. This composite combines a 72/100 Compounder score, 72/100 Leadership, Moat rating, and analyst signal.
Stocky hasn't finalised a Moat Score for TOST yet — the analysis draws from ROIC trends, pricing power evidence, and competitive-position filings.
TOST scores 72/100 on Leadership Alignment. Higher = more founder involvement, higher insider ownership, sensible pay, and evidence of long-term capital allocation discipline.
TOST's Vulnerability Profile scores 50/100 (higher = more resilient). The profile flags customer concentration, supply chain, refinancing walls and regulatory risks specific to TOST.
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