Toast, Inc. financial metrics

Professional SEC-based dashboard for profitability, financial health, and growth with transparent scoring logic. Latest period: Q4 2025.

Symbol
TOST on NYSE
Location
Boston, MA
Fiscal year end
31 December
Latest financial report
18 Feb 2026

Latest SEC snapshot (2025-12-31) highlights Return On Equity 18.6%, Return On Assets 12.3%, and Operating Margin 4.7%.

How Calculated (standard_v1)

Metrics are computed with a market-consensus convention designed for cross-portal comparability.

  • TTM Operating Income / TTM Revenues
  • Current Assets / Current Liabilities (latest instant quarter)
  • (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
  • Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
  • TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
  • TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
  • TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
  • TTM Revenues YoY
  • TTM Net Income YoY

Financial Quality Score

Transparent 0-100 scoring model based on profitability, financial health, and growth factors.

71.1/100

Balanced Confidence medium

Return On Equity

19%

Metric score 62.6/100

Return On Assets

12%

Metric score 100.0/100

Financial Health

Current Ratio
2.75x
Quick Ratio
2.64x

Strengths

Return On Assets, Current Ratio, and NetIncomeLoss YoY

Watchpoints

Operating Margin

Key metrics snapshot

Return On Equity

19%

YoY: +1244%

Industry median: 19% (n=102)

View history

Return On Assets

12%

YoY: +1315%

Industry median: -9.9% (n=100)

View history

Operating Margin

4.7%

YoY: +1371%

Industry median: -5.5% (n=74)

View history

Current Ratio

2.75x

YoY: +13%

Industry median: 1.13x (n=97)

View history

Quick Ratio

2.64x

YoY: +15%

Industry median: 0.94x (n=63)

View history

NetIncomeLoss YoY

1700%

YoY:

Industry median: 12% (n=97)

View history

Profitability

Metric Latest value YoY change
Return On Equity 19% +1244%
Return On Assets 12% +1315%
Operating Margin 4.8% +1371%

Financial Health

Metric Latest value YoY change
Current Ratio 2.75x +13%
Quick Ratio 2.64x +15%
Debt-to-equity 0.5x -20%

Growth

Metric Latest value YoY change
NetIncomeLoss YoY 1700%

Share Metrics

Metric Latest value YoY change
Common Stock, Value, Issued $0
Weighted Average Number of Shares Outstanding, Basic 582,000,000 +4.1%
Weighted Average Number of Shares Outstanding, Diluted 607,000,000 +2.7%

Additional Metrics

Metric Latest value YoY change
Revenue from Contract with Customer, Excluding Assessed Tax $6,153,000,000 +24%
Cost of Revenue $4,560,000,000 +21%
Research and Development Expense $374,000,000 +6.6%
Selling and Marketing Expense $571,000,000 +21%
General and Administrative Expense $344,000,000 +12%
Operating Income (Loss) $292,000,000 +1725%
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $346,000,000 +1473%
Income Tax Expense (Benefit) $4,000,000 +33%
Earnings Per Share, Basic 0.59 +1867%
Earnings Per Share, Diluted 0.56 +1767%
Cash and Cash Equivalents, at Carrying Value $1,353,000,000 +50%
Accounts Receivable, after Allowance for Credit Loss, Current $127,000,000 +10%
Inventory, Net $114,000,000 -3.4%
Other Assets, Current $437,000,000 +34%
Assets, Current $2,669,000,000 +35%
Property, Plant and Equipment, Net $105,000,000 +7.1%
Operating Lease, Right-of-Use Asset $27,000,000 +8%
Goodwill $113,000,000 0%
Other Assets, Noncurrent $146,000,000 +24%
Assets $3,145,000,000 +31%
Accounts Payable, Current $47,000,000 +27%
Employee-related Liabilities, Current $133,000,000 +5.6%
Accrued Liabilities, Current $74,000,000 +7.2%
Contract with Customer, Liability, Current $68,000,000 +15%
Liabilities, Current $969,000,000 +19%
Operating Lease, Liability, Noncurrent $20,000,000 -17%
Other Liabilities, Noncurrent $13,000,000 +117%
Liabilities $1,021,000,000 +18%
Accumulated Other Comprehensive Income (Loss), Net of Tax $2,000,000
Retained Earnings (Accumulated Deficit) $1,262,000,000 +21%
Stockholders' Equity Attributable to Parent $2,124,000,000 +37%
Liabilities and Equity $3,145,000,000 +31%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $1,583,000,000 +46%
Deferred Tax Assets, Valuation Allowance $436,000,000 -1.4%
Deferred Tax Assets, Gross $503,000,000 +1.2%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $345,000,000 +1817%
Property, Plant and Equipment, Gross $256,000,000 +29%
Deferred Tax Assets, Operating Loss Carryforwards $246,000,000 +17%
Preferred Stock, Shares Issued 0
Preferred Stock, Shares Authorized 100,000,000 0%
Unrecognized Tax Benefits $7,000,000 +40%
Additional Paid in Capital $3,384,000,000 +7.4%
Preferred Stock, Shares Outstanding 0
Deferred Tax Assets, Net of Valuation Allowance $67,000,000 +22%
Share-based Payment Arrangement, Expense $242,000,000 -4.3%
Preferred Stock, Par or Stated Value Per Share 0 0%

How we score

This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.

Metric Weight V1 threshold
ROIC205% to 20%
ROE158% to 25%
ROA102% to 10%
Operating Margin55% to 25%
Current Ratio121.0x to 2.0x
Quick Ratio80.8x to 1.5x
Debt to Equity100.3x to 2.0x (lower is better)
Revenue YoY10-10% to +20%
Net Income YoY10-10% to +20%