GPN vs. TOST: Global Payments vs. Toast Stock Comparison
How do Global Payments (GPN) 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
Global Payments (GPN) and Toast (TOST) are both classified in the Transaction & Payment Processing Services sub-industry within the broader Financial Services industry, placing them in the closest GICS peer bucket.
Global Payments (GPN) has more than two decades of public-market history since January 16, 2001, whereas Toast (TOST) listed on September 22, 2021 and has a much shorter record to draw on.
| Profile Item | GPN | TOST |
|---|---|---|
| Name | Global Payments 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 | Financial Services | Financial Services |
| GICS Sub-Industry | Transaction & Payment Processing Services | Transaction & Payment Processing Services |
| Market Capitalization | 25.78 billion USD | 20.14 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | January 16, 2001 | September 22, 2021 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | GPN | TOST |
|---|---|---|
| Total Return (1Y) | 31.53% | -5.92% |
| Total Return (3Y, Annualized) | -1.66% | 35.73% |
| Total Return (5Y, Annualized) | -4.82% | -10.54% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | GPN | TOST |
|---|---|---|
| Volatility (1Y, Annualized) | 42.00% | 45.32% |
| Beta (5Y) | 0.80 | 1.66 |
| Max Drawdown (5Y) | -57.06% | -79.13% |
| Avg. Volume (3M) | 2.69M | 8.73M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | GPN | TOST |
|---|---|---|
| Sharpe Ratio (1Y) | 0.65 | -0.23 |
| Sortino Ratio (1Y) | 1.10 | -0.31 |
Profitability
ROE (TTM)
Toast (TOST) at 25.58% sits in the top ROE quartile, while Global Payments (GPN) at 0.84% is in the bottom quartile, showing a clear gap in returns on equity.
GPN
Financial Services industry group
0.84%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- GPN
- 0.84%
- 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)
Global Payments (GPN) reports a negative net margin of -11.21%, usually indicating a net loss over the period. Meanwhile Toast (TOST) reports 7.69%, ranking against industry peers normally.
GPN
Financial Services industry group
-11.21%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- GPN
- -11.21%
- 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)
Global Payments (GPN) at 15.73% runs core operations around its industry’s norm, while Toast (TOST) at 8.63% operates in the bottom quartile.
GPN
Financial Services industry group
15.73%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- GPN
- 15.73%
- 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 | GPN | TOST |
|---|---|---|
| ROE (TTM) | 0.84% | 25.58% |
| ROA (TTM) | 2.24% | 10.30% |
| Net Margin (TTM) | -11.21% | 7.69% |
| Operating Margin (TTM) | 15.73% | 8.63% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Toast (TOST) at 24.05% is around its peer norm for revenue growth, while Global Payments (GPN) at -0.39% drops into the bottom quartile, signaling weaker demand or pricing momentum.
EPS Growth
Toast (TOST) at 1,766.67% clears its industry range for EPS growth, a much stronger earnings trajectory than Global Payments (GPN) at -6.17%, which is closer to a typical peer reading.
Growth Metrics
| Metric | GPN | TOST |
|---|---|---|
| Revenue Growth (YoY) | -0.39% | 24.05% |
| Revenue Growth (3Y CAGR) | -4.96% | 31.10% |
| EPS Growth (YoY) | -6.17% | 1,766.67% |
| EPS Growth (3Y CAGR) | 143.57% | -- |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Global Payments (GPN) 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: Global Payments (GPN) 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 | GPN | 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 Global Payments (GPN) reports a yield of 1.05%, ranking against industry peers normally.
GPN
Financial Services industry group
1.05%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- GPN
- 1.05%
- 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)
Global Payments (GPN) reports payout ratio above 100% at 178.57%, meaning dividends exceeded current-period earnings; Toast (TOST) pays no dividend (payout 0.00%).
GPN
Financial Services industry group
178.57%
- Max
- 241.07%
- GPN
- 178.57%
- Q3
- 97.36%
- 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 | GPN | TOST |
|---|---|---|
| Dividend Yield (TTM) | 1.05% | 0.00% |
| Dividend Payout Ratio (TTM) | 178.57% | 0.00% |
Valuation
P/E Ratio (TTM)
Both look expensive on trailing earnings: Toast (TOST) at 38.10 sits in the richer P/E ratio quartile, and Global Payments (GPN) at 173.93 is richer still, above its industry range.
GPN
Financial Services industry group
173.93
- GPN
- 173.93
- Max
- 45.85
- Q3
- 24.64
- 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 Global Payments (GPN) at 2.24 and Toast (TOST) at 2.82 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
GPN
Financial Services industry group
2.24
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- GPN
- 2.24
- 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)
Global Payments (GPN) at 1.11 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.
GPN
Financial Services industry group
1.11
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- GPN
- 1.11
- 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 | GPN | TOST |
|---|---|---|
| P/E Ratio (TTM) | 173.93 | 38.10 |
| P/S Ratio (TTM) | 2.24 | 2.82 |
| P/B Ratio (MRQ) | 1.11 | 8.79 |
| Free Cash Flow Yield (TTM) | -- | -- |