BEN vs. TOST: Franklin Templeton vs. Toast Stock Comparison
How do Franklin Templeton (BEN) and Toast (TOST) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Franklin Templeton (BEN) and Toast (TOST) both fall under the Financial Services industry group, but BEN is classified in Capital Markets while TOST is classified in Financial Services.
Franklin Templeton (BEN) has more than two decades of public-market history since September 23, 1983, whereas Toast (TOST) listed on September 22, 2021 and has a much shorter record to draw on.
| Profile Item | BEN | TOST |
|---|---|---|
| Name | Franklin Templeton Inc. | Toast, Inc. Class A Common Stock |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Capital Markets | Financial Services |
| GICS Sub-Industry | Asset Management & Custody Banks | Transaction & Payment Processing Services |
| Market Capitalization | 17.29 billion USD | 20.14 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | September 23, 1983 | September 22, 2021 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | BEN | TOST |
|---|---|---|
| Total Return (1Y) | 70.17% | -5.92% |
| Total Return (3Y, Annualized) | 22.48% | 35.73% |
| Total Return (5Y, Annualized) | 5.29% | -10.54% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | BEN | TOST |
|---|---|---|
| Volatility (1Y, Annualized) | 29.18% | 45.32% |
| Beta (5Y) | 1.52 | 1.66 |
| Max Drawdown (5Y) | -45.39% | -79.13% |
| Avg. Volume (3M) | 3.70M | 8.73M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | BEN | TOST |
|---|---|---|
| Sharpe Ratio (1Y) | 2.26 | -0.23 |
| Sortino Ratio (1Y) | 3.55 | -0.31 |
Profitability
ROE (TTM)
Toast (TOST) at 25.58% sits in the top ROE quartile, while Franklin Templeton (BEN) at 10.51% is closer to the peer norm — stronger capital efficiency for TOST.
BEN
Financial Services industry group
10.51%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- BEN
- 10.51%
- Q1
- 4.48%
- Min
- -18.71%
TOST
Financial Services industry group
25.58%
- Max
- 44.78%
- TOST
- 25.58%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Both Franklin Templeton (BEN) at 11.42% and Toast (TOST) at 7.69% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
BEN
Financial Services industry group
11.42%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- BEN
- 11.42%
- Q1
- 4.82%
- Min
- -28.52%
TOST
Financial Services industry group
7.69%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- TOST
- 7.69%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Franklin Templeton (BEN) at 14.61% runs core operations around its industry’s norm, while Toast (TOST) at 8.63% operates in the bottom quartile.
BEN
Financial Services industry group
14.61%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- BEN
- 14.61%
- Q1
- 14.60%
- Min
- -44.34%
TOST
Financial Services industry group
8.63%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- Q1
- 14.60%
- TOST
- 8.63%
- Min
- -44.34%
Profitability Metrics
| Metric | BEN | TOST |
|---|---|---|
| ROE (TTM) | 10.51% | 25.58% |
| ROA (TTM) | -- | 10.30% |
| Net Margin (TTM) | 11.42% | 7.69% |
| Operating Margin (TTM) | 14.61% | 8.63% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Only one side can be read here: Toast (TOST) reports revenue growth of 24.05%, ranked against its industry; Franklin Templeton (BEN) has no revenue growth figure this period.
EPS Growth
Both companies show strong earnings momentum, but Toast (TOST) at 1,766.67% is the standout with EPS growth above its industry range; Franklin Templeton (BEN) at 116.48% also sits in the top quartile.
Growth Metrics
| Metric | BEN | TOST |
|---|---|---|
| Revenue Growth (YoY) | -- | 24.05% |
| Revenue Growth (3Y CAGR) | -- | 31.10% |
| EPS Growth (YoY) | 116.48% | 1,766.67% |
| EPS Growth (3Y CAGR) | 4.63% | -- |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Franklin Templeton (BEN) in Financial Services and Toast (TOST) in Financial Services both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: Franklin Templeton (BEN) in Financial Services and Toast (TOST) in Financial Services run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | BEN | TOST |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Toast (TOST) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Franklin Templeton (BEN) reports a yield of 4.10%, ranking against industry peers normally.
BEN
Financial Services industry group
4.10%
- Max
- 9.77%
- BEN
- 4.10%
- Q3
- 3.92%
- Median
- 1.09%
- Q1
- 0.00%
- Min
- 0.00%
TOST
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- TOST
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Toast (TOST) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Franklin Templeton (BEN) reports a payout of 89.12%, ranking against industry peers normally.
BEN
Financial Services industry group
89.12%
- Max
- 241.07%
- Q3
- 97.36%
- BEN
- 89.12%
- Median
- 25.77%
- Q1
- 0.00%
- Min
- 0.00%
TOST
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- TOST
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | BEN | TOST |
|---|---|---|
| Dividend Yield (TTM) | 4.10% | 0.00% |
| Dividend Payout Ratio (TTM) | 89.12% | 0.00% |
Valuation
P/E Ratio (TTM)
Franklin Templeton (BEN) at 17.12 is near its industry’s usual P/E ratio, while Toast (TOST) at 38.10 sits in the richer quartile — TOST needs stronger growth or earnings quality to justify the premium.
BEN
Financial Services industry group
17.12
- Max
- 45.85
- Q3
- 24.64
- BEN
- 17.12
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
TOST
Financial Services industry group
38.10
- Max
- 45.85
- TOST
- 38.10
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
On P/S ratio, both Franklin Templeton (BEN) at 1.84 and Toast (TOST) at 2.82 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
BEN
Financial Services industry group
1.84
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- BEN
- 1.84
- Q1
- 1.28
- Min
- -0.55
TOST
Financial Services industry group
2.82
- Max
- 9.23
- Q3
- 4.57
- TOST
- 2.82
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
Franklin Templeton (BEN) at 1.46 sits near its industry’s typical P/B ratio, while Toast (TOST) at 8.79 prices above its benchmark range — TOST looks rich relative to book.
BEN
Financial Services industry group
1.46
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- BEN
- 1.46
- Q1
- 0.81
- Min
- -0.39
TOST
Financial Services industry group
8.79
- TOST
- 8.79
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | BEN | TOST |
|---|---|---|
| P/E Ratio (TTM) | 17.12 | 38.10 |
| P/S Ratio (TTM) | 1.84 | 2.82 |
| P/B Ratio (MRQ) | 1.46 | 8.79 |
| Free Cash Flow Yield (TTM) | -- | -- |