BNY vs. TOST: Bank of New York Mellon vs. Toast Stock Comparison

Company Profile

Bank of New York Mellon (BNY) and Toast (TOST) both fall under the Financial Services industry group, but BNY is classified in Capital Markets while TOST is classified in Financial Services.

Bank of New York Mellon (BNY) has more than two decades of public-market history since May 3, 1973, whereas Toast (TOST) listed on September 22, 2021 and has a much shorter record to draw on.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Toast (TOST) at 25.58% sits in the top ROE quartile, while Bank of New York Mellon (BNY) at 14.87% is closer to the peer norm — stronger capital efficiency for TOST.

Bank of New York Mellon (BNY) at 29.74% retains a top-quartile share of revenue as profit, ahead of Toast (TOST) at 7.69%, which keeps about the industry-typical share.

Bank of New York Mellon (BNY) at 39.07% runs core operations around its industry’s norm, while Toast (TOST) at 8.63% operates in the bottom quartile.

Profitability Metrics

Growth

Both Bank of New York Mellon (BNY) at 8.22% and Toast (TOST) at 24.05% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Toast (TOST) at 1,766.67% clears its industry range for EPS growth, a much stronger earnings trajectory than Bank of New York Mellon (BNY) at 27.59%, which is closer to a typical peer reading.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Bank of New York Mellon (BNY) 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-to-equity ratio is set aside for both: Bank of New York Mellon (BNY) 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

Dividends

Toast (TOST) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Bank of New York Mellon (BNY) reports a yield of 1.51%, ranking against industry peers normally.

Toast (TOST) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Bank of New York Mellon (BNY) reports a payout of 24.58%, ranking against industry peers normally.

Dividend Metrics

Valuation

Bank of New York Mellon (BNY) at 16.36 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.

On P/S ratio, both Bank of New York Mellon (BNY) at 4.52 and Toast (TOST) at 2.82 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

Bank of New York Mellon (BNY) at 2.53 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.

Valuation Metrics