FISV vs TOST
Fiserv vs Toast, Inc. — AI-powered side-by-side comparison
| Metric | FISV | TOST |
|---|
| AI Score |
69
|
63
|
| Price |
$52.70
|
$34.89
|
| P/E Ratio |
10.10×
|
42.02×
|
| ROE |
13.5%
|
16.1%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
47.2%
|
26.7%
|
| Debt / Equity |
1.04×
|
0.00×
|
| Dividend Yield |
0.0%
|
0.0%
|
| RSI (14) |
43.1
|
68.2
|
| Beta |
0.819
|
1.725
|
| Expected Upside |
+23.5%
|
—
|
AI Committee View
Current Innellis committee reasoning for FISV versus TOST.
FISV leads by 6 points.
FISV scores 69/100 (Buy) versus TOST at 63/100 (Buy).
FISV Committee View
75% agreement
4 analysts
The primary driver is quarter-over-quarter growth rate is accelerating, not just positive. The main limiting factor is macd histogram negative -- bearish momentum. The committee is constructive but not yet at full conviction.
Bull Case
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- VIX regime is low -- calm backdrop supports risk-taking — Macro
- Market regime is bullish (Bull market -- normal position sizing) — Macro
Bear Case
- MACD histogram negative -- bearish momentum — Technical
TOST Committee View
50% agreement
6 analysts
The committee is split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
Bull Case
- ROE of 23.8% shows genuine earnings power backing the valuation — Value
- EPS growing 120.8% YoY — Growth
- MACD histogram positive -- bullish momentum — Technical
Bear Case
- P/E of 42.7 is expensive by classic value standards — Value
- Price-to-book of 13.4x prices in significant intangible value — Value
- Weekly RSI at 77 -- overbought on the larger timeframe too — Technical