Toast, Inc.(TOST)— Stock Profile, AI Score & Financials
Technology · NYSE · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
Toast, Inc. (TOST) stock profile, AI quality score, and SEC EDGAR financial data, a Technology sector company. 13F Pro's AI-powered ranking engine scores TOST at 69.5/100 on a 32-signal composite quality model, placing it at rank #257 of 2,960 stocks — the top 10% of the AI-ranked universe. TOST scores in the top quartile across balance sheet strength (94.2), institutional flow (90.3), revenue growth (84.7). Shareholder dilution risk is elevated at 28.0/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), Toast, Inc. reports quarterly revenue of $1.9B, net income of $154.0M, an operating margin of 8.0%. Top institutional holders of TOST by reported 13-F value include BlackRock, FMR, Capital International Investors, based on the most recent SEC filings. TOST trades on the NYSE exchange and files with the SEC under CIK 1650164. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate TOST daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Toast, Inc. directly from SEC EDGAR.
AI Quality Score
69.5/100
AI Rank
#257
Revenue
$1.9B
Net Income
$154.0M
Free Cash Flow
$130.0M
Operating Margin
8.0%
TOST key financials by period
Toast, Inc. reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$6.2B
$342.0M
4.8%
FY 2024
10-K
$5.0B
$19.0M
0.3%
FY 2023
10-K
$3.9B
$-246.0M
-7.4%
FY 2022
10-K
$2.7B
$-275.0M
-14.1%
FY 2021
10-K
$1.7B
$-487.0M
-13.4%
FY 2020
10-K
$823.0M
$-248.0M
-26.7%
Institutions holding TOST
Institutional investors reporting a position in Toast, Inc. on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-08-05 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Q2 revenue rose 23% to $1,908M with operating income nearly doubling to $152M and net income of $154M, as Locations grew 22% to ~180,000.
Biggest Revenue Drivers
Financial technology solutions$1,570M+23% YoY
Higher number of Locations on the Toast platform and continued product adoption; GPV grew 22% to $60.7B.
Subscription services$290M+28% YoY
Higher number of Locations on the Toast platform and continued product adoption.
Biggest Revenue Drivers
Total revenue: $1,908M+23% YoY
Financial technology solutions$1,570M+23% YoY
Higher number of Locations on the Toast platform and continued product adoption; GPV grew 22% to $60.7B.
Subscription services$290M+28% YoY
Higher number of Locations on the Toast platform and continued product adoption.
Hardware and professional services$48M+2% YoY
Largest Expense Items
Total costs of revenue$1,392M+20% YoY
Higher financial technology solutions costs associated with increased gross payment volume, offset by a one-time benefit of approximately $10 million related to tariff refunds.
Sales and marketing$166M+18% YoY
Primarily driven by higher employee-related costs.
Research and development$109M+20% YoY
Primarily driven by higher employee-related costs.
General and administrative$89M+13% YoY
Primarily driven by higher employee-related costs.
Margins: Gross profit rose to $516M from $392M as costs of revenue grew 20% versus 23% revenue growth; cost growth tracked gross payment volume, aided by a ~$10 million one-time tariff refund benefit.
Watch Items from the Filing
FTC sent a draft complaint and proposed settlement order in June 2026; the Company cannot estimate possible loss and says resolution could materially adversely impact results.
Contingent liability for expected credit losses on serviced loans rose to $53M from $33M a year ago; quarterly credit loss expense was $18M versus $11M.
Non-cancellable hardware supplier commitments of $194M all due within 12 months; inventories nearly doubled to $217M from $114M at December 31, 2025.
Repurchased $159M of Class A stock in the quarter ($486M year-to-date), leaving only about $100M authorized as of June 30, 2026.
Full valuation allowance maintained against U.S. net deferred tax assets; a portion or all could be released in the next 12 months, timing uncertain.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
