TOST · NYSE · STOCK
Toast, Inc.
$34.89
52W $22.26 – $45.64
63/100
$20.23B
42.0
1.73
Is TOST Bullish or Bearish?
Bullish.
Innellis AI committee rates Toast, Inc. (TOST) Buy with a composite score of 63/100
, based on 6 analysts with 50% agreement.
Last updated August 11, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +11.85 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -8.15 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
Bull & Bear Case
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
- Low leverage (debt-to-equity 0.00) -- balance sheet can absorb a shock — Risk
- VIX regime is low -- calm backdrop supports risk-taking — Macro
- Market regime is bullish (Bull market -- normal position sizing) — Macro
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
- Bollinger bandwidth of 27.5% signals elevated volatility — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 11, 2026
Overall Committee Score
63/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 24%
of 284 Technology peers
Value Analyst
neutral
49
/ 100 · High confidence
Fair value -- neither a bargain nor obviously overpriced
+ ROE of 23.8% shows genuine earnings power backing the valuation
− P/E of 42.7 is expensive by classic value standards
Growth Analyst
bullish
75
/ 100 · Moderate confidence
Strong, accelerating growth with consistent execution
+ EPS growing 120.8% YoY
Technical Analyst
neutral
58
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
− Weekly RSI at 77 -- overbought on the larger timeframe too
Risk Analyst
neutral
58
/ 100 · Moderate confidence
Moderate risk -- no single red flag, but nothing that clearly de-risks the position either
+ Low leverage (debt-to-equity 0.00) -- balance sheet can absorb a shock
− Bollinger bandwidth of 27.5% signals elevated volatility
Macro Analyst
bullish
78
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
bullish
62
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 2 existing position pair(s) are highly correlated already
Technical Analysis
RSI (14)
68.2
Neutral
MACD Histogram
0.226
Bullish Momentum
Trend Direction
Sideways
Weekly: Downtrend
Market Structure
Mixed
Support
$32.16
Resistance
$37.42
Bollinger %B
0.82
Inside Bands
Price vs Moving Averages
EMA 9
$34.02
Above
EMA 21
$32.28
Above
EMA 50
$29.99
Above
EMA 200
$30.73
Above
Fundamental Analysis
Valuation
33
Profitability
58
Financial Health
100
Cash Flow
70
Valuation
P/E Ratio
42.0×
P/B Ratio
9.86×
PEG Ratio
0.35
Dividend Yield
0.00%
52W High
$45.64
52W Low
$22.26
Quality & Growth
ROE
1610.2%
ROA
1087.4%
Gross Margin
2667.6%
Operating Margin
639.3%
Revenue Growth YoY
—
Debt / Equity
0.00
AI Fundamental Assessment
[reduced confidence: limited earnings history] P/E ratio of 42.0 (rich relative to a 15-40x range); Price-to-book of 9.9x; PEG ratio of 0.4 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 16.1%; Return on assets of 10.9%; Net margin of 7.1%; Gross margin of 26.7%; Current ratio of 2.40 (healthy short-term liquidity); Debt-to-equity of 0.00; Free cash flow per share is positive (1.00); Earnings-history trend unavailable; growth based on TTM year-over-year only.
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