Toast, Inc. (TOST) Stock Analysis
Recovery setup
Technology · Software - Infrastructure
Hold if already holding. Not a fresh buy at $25.10, but acceptable to hold if already in. Reason: Below 200-MA, MA slope -8.9%/30d (confirmed downtrend).
Toast provides a cloud-based platform for restaurants covering point-of-sale, payment processing, payroll, marketing, and vendor management, serving approximately 20% of the U.S. restaurant market as of December 31, 2025. The company earns revenue through SaaS subscriptions,... Read more
Hold if already holding. Not a fresh buy at $25.10, but acceptable to hold if already in. Reason: Below 200-MA, MA slope -8.9%/30d (confirmed downtrend). Chart setup: Death cross but MACD improving, RSI 53. Maintain position. Not compelling to add more. Score 6.5/10, moderate confidence.
Passes 8/9 gates (positive momentum, favorable risk/reward ratio, clean insider activity, no SEC red flags, news boost analyst 0.70, earnings proximity 49d clear, semi cycle peak clear, materials cycle peak clear). Suitability: aggressive.
About Toast, Inc.
About Toast, Inc.
Toast's restaurant-focused platform reached approximately 20% of the U.S. restaurant market as of December 31, 2025, with 6,500 employees distributed across North America, Europe, and Asia. The company's open API connects over 200 third-party technology partners spanning reservations, inventory, accounting, marketing, and online ordering. Toast's proprietary Android-based software underpins a stack of restaurant-grade hardware—fixed POS terminals, handheld devices, self-service kiosks, and Kitchen Display Systems—all operating on a single data platform.
Toast generates revenue from four streams: SaaS subscription fees, payment processing take-rates, hardware sales, and financial technology services. SaaS modules span scheduling, payroll, marketing, loyalty, and vendor management, built on a single employee and transaction record that synchronizes across locations. Payment processing runs through Toast-issued terminals and online channels; the company holds PCI-DSS Level 1 certification assessed annually by an independent security organization. Toast Capital offers working-capital loans to eligible restaurants through a bank partner, repaid automatically through daily transaction deductions, with approved borrowers able to access funds as soon as the next business day. A majority of customers are small- and medium-sized businesses, which the 10-K identifies as more susceptible to economic downturns than enterprise accounts. Cloud infrastructure runs on Amazon Web Services.
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Toast's hardware supply chain may impact service delivery if third-party manufacturers become unwilling or unable to fulfill orders. The 10-K discloses that Toast does not hold long-term agreements with all hardware manufacturers and suppliers, and finding replacement sources that meet restaurant-grade durability standards may not be possible on short notice. Separately, small- and medium-sized restaurant customers face higher sensitivity to economic cycles, and a sector-wide downturn could simultaneously compress payment volumes and increase customer attrition across the platform.
See also: Technology · Software - Infrastructure
From Toast, Inc.'s most recent 10-K filing, extracted June 16, 2026.
Recent developments
updated 2026-06-17Recent Developments — Toast, Inc.
Latest news
- NEWS Toast (TOST) Stock Declines While Market Improves: Some Information for Investors - Eastern Progress — Eastern Progress negative
- NEWS Toast (TOST) stock falls amid market uptick: What investors need to know - MSN — MSN negative
- NEWS Campbell Capital Management Inc. Purchases Shares of 276,315 Toast, Inc. $TOST - MarketBeat — MarketBeat neutral
- NEWS Toast (TOST): A Strong Contender in Restaurant Tech - The Motley Fool — The Motley Fool positive
- NEWS Capelight Capital Asset Management LP Purchases Shares of 60,000 Toast, Inc. $TOST - MarketBeat — MarketBeat neutral
Generated 2026-06-17T08:21:49Z.
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Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Rating Breakdown
1 floor-breaker·1 ceiling hit
Technicals below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Analyst Consensus
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $25.10, but acceptable to hold if already in. Reason: Below 200-MA, MA slope -8.9%/30d (confirmed downtrend). Chart setup: Death cross but MACD improving, RSI 53. Maintain position. Not compelling to add more. Target $30.49 (+21.5%), stop $23.32 (−7.6%), A.R:R 2.1:1. Score 6.5/10, moderate confidence.
Take-profit target: $30.49 (+21.6% upside). Target $30.49 (+21.5%), stop $23.32 (−7.6%), A.R:R 2.1:1. Stop-loss: $23.32.
Below 200-MA, MA slope -8.9%/30d (confirmed downtrend).
Toast, Inc. trades at a P/E of 37.4 (forward 14.8). TrendMatrix value score: 6.7/10. Verdict: Hold.
36 analysts cover TOST with a consensus score of 3.8/5. Average price target: $34.
What does Toast, Inc. do?Toast provides a cloud-based platform for restaurants covering point-of-sale, payment processing, payroll, marketing,...
Toast provides a cloud-based platform for restaurants covering point-of-sale, payment processing, payroll, marketing, and vendor management, serving approximately 20% of the U.S. restaurant market as of December 31, 2025. The company earns revenue through SaaS subscriptions, payment processing fees, and hardware sales, supplemented by Toast Capital loans. Over 200 third-party partners integrate with Toast's APIs.