GEN vs. TOST: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at GEN and TOST, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | GEN | TOST |
|---|---|---|
| Company Name | Gen Digital Inc. | Toast, Inc. |
| Country | United States | United States |
| GICS Sector | Information Technology | Financials |
| GICS Industry | Software | Financial Services |
| Market Capitalization | 19.36 billion USD | 24.73 billion USD |
| Exchange | NasdaqGS | NYSE |
| Listing Date | June 23, 1989 | September 22, 2021 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of GEN and TOST by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.
Historical Performance at a Glance
| Symbol | GEN | TOST |
|---|---|---|
| 5-Day Price Return | -0.22% | -1.37% |
| 13-Week Price Return | 10.35% | -5.06% |
| 26-Week Price Return | 12.21% | 5.50% |
| 52-Week Price Return | 23.39% | 70.32% |
| Month-to-Date Return | 6.61% | -13.17% |
| Year-to-Date Return | 14.83% | 16.35% |
| 10-Day Avg. Volume | 4.88M | 7.80M |
| 3-Month Avg. Volume | 4.31M | 7.73M |
| 3-Month Volatility | 26.35% | 36.48% |
| Beta | 0.97 | 2.04 |
Profitability
Return on Equity (TTM)
GEN
30.30%
Software Industry
- Max
- 59.01%
- Q3
- 21.98%
- Median
- 7.15%
- Q1
- -11.12%
- Min
- -51.24%
In the upper quartile for the Software industry, GEN’s Return on Equity of 30.30% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
TOST
13.88%
Financial Services Industry
- Max
- 40.58%
- Q3
- 20.06%
- Median
- 10.67%
- Q1
- 4.19%
- Min
- -10.31%
TOST’s Return on Equity of 13.88% is on par with the norm for the Financial Services industry, indicating its profitability relative to shareholder equity is typical for the sector.
Net Profit Margin (TTM)
GEN
16.34%
Software Industry
- Max
- 48.14%
- Q3
- 18.23%
- Median
- 5.60%
- Q1
- -9.22%
- Min
- -49.36%
GEN’s Net Profit Margin of 16.34% is aligned with the median group of its peers in the Software industry. This indicates its ability to convert revenue into profit is typical for the sector.
TOST
4.05%
Financial Services Industry
- Max
- 52.86%
- Q3
- 25.58%
- Median
- 12.23%
- Q1
- 6.64%
- Min
- -9.92%
Falling into the lower quartile for the Financial Services industry, TOST’s Net Profit Margin of 4.05% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.
Operating Profit Margin (TTM)
GEN
40.15%
Software Industry
- Max
- 57.34%
- Q3
- 20.60%
- Median
- 7.84%
- Q1
- -8.72%
- Min
- -51.37%
An Operating Profit Margin of 40.15% places GEN in the upper quartile for the Software industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.
TOST
3.67%
Financial Services Industry
- Max
- 77.28%
- Q3
- 37.68%
- Median
- 18.17%
- Q1
- 9.27%
- Min
- -8.19%
TOST’s Operating Profit Margin of 3.67% is in the lower quartile for the Financial Services industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.
Profitability at a Glance
| Symbol | GEN | TOST |
|---|---|---|
| Return on Equity (TTM) | 30.30% | 13.88% |
| Return on Assets (TTM) | 4.16% | 8.99% |
| Net Profit Margin (TTM) | 16.34% | 4.05% |
| Operating Profit Margin (TTM) | 40.15% | 3.67% |
| Gross Profit Margin (TTM) | 80.28% | 25.19% |
Financial Strength
Current Ratio (MRQ)
GEN
0.51
Software Industry
- Max
- 3.83
- Q3
- 2.31
- Median
- 1.45
- Q1
- 1.03
- Min
- 0.24
GEN’s Current Ratio of 0.51 falls into the lower quartile for the Software industry. This indicates a tighter liquidity situation and a more constrained capacity to handle short-term debt than many of its competitors.
TOST
2.59
Financial Services Industry
- Max
- 4.58
- Q3
- 2.59
- Median
- 1.33
- Q1
- 0.69
- Min
- 0.01
For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
Debt-to-Equity Ratio (MRQ)
GEN
3.64
Software Industry
- Max
- 2.14
- Q3
- 0.90
- Median
- 0.29
- Q1
- 0.00
- Min
- 0.00
With a Debt-to-Equity Ratio of 3.64, GEN operates with exceptionally high leverage compared to the Software industry norm. This suggests an aggressive reliance on debt financing, which can magnify returns but also significantly elevates financial risk.
TOST
0.00
Financial Services Industry
- Max
- 4.96
- Q3
- 2.10
- Median
- 0.57
- Q1
- 0.12
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.
Interest Coverage Ratio (TTM)
GEN
2.88
Software Industry
- Max
- 67.02
- Q3
- 19.86
- Median
- 0.70
- Q1
- -12.50
- Min
- -53.00
GEN’s Interest Coverage Ratio of 2.88 is positioned comfortably within the norm for the Software industry, indicating a standard and healthy capacity to cover its interest payments.
TOST
-3.26
Financial Services Industry
- Max
- 136.23
- Q3
- 56.08
- Median
- 6.55
- Q1
- 2.01
- Min
- -33.27
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.
Financial Strength at a Glance
| Symbol | GEN | TOST |
|---|---|---|
| Current Ratio (MRQ) | 0.51 | 2.59 |
| Quick Ratio (MRQ) | 0.46 | 2.44 |
| Debt-to-Equity Ratio (MRQ) | 3.64 | 0.00 |
| Interest Coverage Ratio (TTM) | 2.88 | -3.26 |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
GEN
1.62%
Software Industry
- Max
- 0.08%
- Q3
- 0.03%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
GEN’s Dividend Yield of 1.62% is exceptionally high, placing it well above the typical range for the Software industry. While this may seem attractive, an unusually high yield can sometimes be a warning sign, reflecting a falling stock price or market concerns about the dividend’s sustainability.
TOST
0.00%
Financial Services Industry
- Max
- 8.18%
- Q3
- 3.60%
- Median
- 1.56%
- Q1
- 0.00%
- Min
- 0.00%
TOST currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.
Dividend Payout Ratio (TTM)
GEN
48.68%
Software Industry
- Max
- 1.32%
- Q3
- 0.53%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
At 48.68%, GEN’s Dividend Payout Ratio is exceptionally high, exceeding the typical range for the Software industry. While this provides a significant return to shareholders, it may limit funds for reinvestment and could be difficult to sustain.
TOST
0.00%
Financial Services Industry
- Max
- 155.56%
- Q3
- 63.71%
- Median
- 18.08%
- Q1
- 0.00%
- Min
- 0.00%
TOST has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.
Dividend at a Glance
| Symbol | GEN | TOST |
|---|---|---|
| Dividend Yield (TTM) | 1.62% | 0.00% |
| Dividend Payout Ratio (TTM) | 48.68% | 0.00% |
Valuation
Price-to-Earnings Ratio (TTM)
GEN
30.09
Software Industry
- Max
- 149.35
- Q3
- 100.21
- Median
- 47.97
- Q1
- 26.77
- Min
- 11.68
GEN’s P/E Ratio of 30.09 is within the middle range for the Software industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
TOST
110.38
Financial Services Industry
- Max
- 63.23
- Q3
- 32.10
- Median
- 14.41
- Q1
- 10.81
- Min
- 0.37
At 110.38, TOST’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Financial Services industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.
Price-to-Sales Ratio (TTM)
GEN
4.92
Software Industry
- Max
- 25.24
- Q3
- 13.52
- Median
- 8.15
- Q1
- 4.87
- Min
- 0.98
GEN’s P/S Ratio of 4.92 aligns with the market consensus for the Software industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.
TOST
4.47
Financial Services Industry
- Max
- 11.16
- Q3
- 5.45
- Median
- 2.61
- Q1
- 1.25
- Min
- 0.04
The P/S Ratio is often not a primary valuation tool in the Financial Services industry.
Price-to-Book Ratio (MRQ)
GEN
7.18
Software Industry
- Max
- 30.95
- Q3
- 14.91
- Median
- 7.75
- Q1
- 3.60
- Min
- 0.38
GEN’s P/B Ratio of 7.18 is within the conventional range for the Software industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.
TOST
14.11
Financial Services Industry
- Max
- 7.09
- Q3
- 3.79
- Median
- 1.46
- Q1
- 0.83
- Min
- 0.04
At 14.11, TOST’s P/B Ratio is at an extreme premium to the Financial Services industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.
Valuation at a Glance
| Symbol | GEN | TOST |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 30.09 | 110.38 |
| Price-to-Sales Ratio (TTM) | 4.92 | 4.47 |
| Price-to-Book Ratio (MRQ) | 7.18 | 14.11 |
| Price-to-Free Cash Flow Ratio (TTM) | 16.04 | 48.67 |