Hot or Cold

TOST stock sentiment todayToast, Inc.

Sentiment verdict

Gossip first, financials second — HOT at 85% confidence.

Last updated · cached analysis, refreshes periodically

NYSE

TOST

Toast, Inc.
31.68 USD▲ 0.64%vs. session open
After hours · market closedQuote as of Nov 1, 10:11 AM UTC
HOT85% confidenceSign in to save

Toast is successfully pivoting from a pure growth story to a high-margin recurring revenue powerhouse as it achieves GAAP profitability and expands beyond SMB restaurants.

Analyzed Oct 31, 2026, 11:37 PM UTC·Quote: CNBC / Yahoo Finance·News: Google News·Targets: StockAnalysis.com·AI: Lovable AI (google/gemini-3-flash-preview)
Tone“TOST is HOT — Toast is successfully pivoting from a pure growth story to a high-margin recurring revenue powerhouse as it achieves GAAP profitability and expands beyond SMB restaurants. 6-month call: USD33.00 (+4.2%).”
6-month price prediction
USD33.00▲ 4.2%by May 2027
68% model confidence
Bear USD22.10Now USD31.68Bull USD43.90
Crowd call · 6 months
No predictions yet

Pick a name and you can add your own 1-, 3- and 6-month price calls — no account needed. The needle above shows where the crowd sits. Calls lock 48 hours after you make them, so every scorecard stays honest.

Make your call as a guest

You'll show up on boards and The Floor under this name. Add an email later to keep your history.

No account needed. You can add an email later to keep your calls.

Already have an account? Sign in

🔒 Full prediction model breakdown

See exactly how analyst targets, gossip sentiment and momentum are weighted into this 6-month forecast.

Sign in to go Pro →

Full model breakdown (analyst / gossip / momentum weights) is a Pro feature. Modelled for TOST. Not financial advice.

02·a

Price · last 12 months

22.33 – 39.02 USD
Growth
1W
-3.1%
1M
+9.3%
3M
-3.4%
6M
+7.7%
YTD
-6.9%
1Y
-12.3%
01

Gossip

bullish

The narrative has shifted from 'pandemic darling' to 'efficient executioner.' Market chatter centers on Toast's ability to cross-sell fintech and SaaS modules, alongside their strategic expansion into the food & beverage retail space and international markets.

  • ·Operating leverage hitting a turning point
  • ·Market share gains against legacy incumbents
  • ·Expansion into enterprise-tier restaurant groups
  • ·Potential for AI-driven upsells in inventory and labor management
02

Financial

strong

Toast has reached a critical inflection point, achieving GAAP profitability and sustained positive Free Cash Flow. While gross margins are pressured by the low-margin hardware/processing mix, their high-margin subscription revenue is growing at a 30%+ clip.

  • ·Annualized Recurring Run-rate (ARR) growth exceeding 25%
  • ·Positive GAAP Net Income in recent quarters
  • ·Strong balance sheet with over $1B in cash and no long-term debt
  • ·GPV (Gross Payment Volume) continues to scale with higher-tier merchant wins
02b

Conviction

Mixed

Whose money is actually in the stock — insider open-market trades and the patience of the institutional holder base.

42conviction score / 100

Mixed conviction — no decisive signal from insiders or the holder base.

  • ·Insiders sold a net $1.3M on the open market in the last 120 days.
Insider buys (120d)
0
Net insider flow
-$1.3M
Patient capital
49%
🔒 Who bought, and who's holding

Pro shows every named insider trade in the window (buyer, title, size, price, and whether it was a pre-scheduled 10b5-1 sale) plus the full holder register split into patient capital and fast money.

Unlock with Pro →

Source: SEC EDGAR Form 4 + 13F holder register. Option exercises, grants, gifts and tax withholding are excluded — only open-market purchases and sales count. Not financial advice.

03

Risks

watch
  • ·Exposure to discretionary consumer spending slowdowns
  • ·Compression of take-rates due to competitive pricing pressure
  • ·High stock-based compensation (SBC) impacting real shareholder dilution
05

Analyst price target

HOT
39.00 USD▲ 23.1% vs current

Consensus average of 25 analysts · median 39.00

Low 30.00High 47.00

Source: StockAnalysis.com · updated 2026-10-28

AI-generated analysis for informational purposes only. Not financial advice.