GRMN vs. TOST: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at GRMN and TOST, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | GRMN | TOST |
|---|---|---|
| Company Name | Garmin Ltd. | Toast, Inc. |
| Country | Switzerland | United States |
| GICS Sector | Consumer Discretionary | Financials |
| GICS Industry | Household Durables | Financial Services |
| Market Capitalization | 49.12 billion USD | 21.69 billion USD |
| Exchange | NYSE | NYSE |
| Listing Date | December 8, 2000 | September 22, 2021 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of GRMN 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 | GRMN | TOST |
|---|---|---|
| 5-Day Price Return | 4.14% | -2.72% |
| 13-Week Price Return | 17.97% | -17.57% |
| 26-Week Price Return | 13.55% | 1.50% |
| 52-Week Price Return | 41.51% | 30.39% |
| Month-to-Date Return | 1.82% | -19.05% |
| Year-to-Date Return | 19.37% | 0.16% |
| 10-Day Avg. Volume | 0.90M | 9.98M |
| 3-Month Avg. Volume | 0.86M | 8.05M |
| 3-Month Volatility | 24.61% | 34.93% |
| Beta | 1.05 | 1.98 |
Profitability
Return on Equity (TTM)
GRMN
19.82%
Household Durables Industry
- Max
- 27.70%
- Q3
- 17.40%
- Median
- 12.87%
- Q1
- 7.33%
- Min
- -5.50%
In the upper quartile for the Household Durables industry, GRMN’s Return on Equity of 19.82% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
TOST
13.88%
Financial Services Industry
- Max
- 39.28%
- Q3
- 18.88%
- Median
- 9.97%
- Q1
- 4.03%
- Min
- -10.25%
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)
GRMN
23.21%
Household Durables Industry
- Max
- 16.37%
- Q3
- 9.18%
- Median
- 6.63%
- Q1
- 3.85%
- Min
- -3.29%
GRMN’s Net Profit Margin of 23.21% is exceptionally high, placing it well beyond the typical range for the Household Durables industry. This demonstrates outstanding operational efficiency and a strong competitive advantage in converting revenue into profit.
TOST
4.05%
Financial Services Industry
- Max
- 52.16%
- Q3
- 25.35%
- Median
- 12.68%
- Q1
- 6.11%
- Min
- -11.69%
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)
GRMN
26.02%
Household Durables Industry
- Max
- 21.32%
- Q3
- 12.25%
- Median
- 9.93%
- Q1
- 5.57%
- Min
- -1.07%
GRMN’s Operating Profit Margin of 26.02% is exceptionally high, placing it well above the typical range for the Household Durables industry. This demonstrates outstanding efficiency in managing its core operations, which can be a result of strong pricing power or superior cost control.
TOST
3.67%
Financial Services Industry
- Max
- 75.57%
- Q3
- 37.78%
- Median
- 19.09%
- Q1
- 10.04%
- Min
- -19.42%
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 | GRMN | TOST |
|---|---|---|
| Return on Equity (TTM) | 19.82% | 13.88% |
| Return on Assets (TTM) | 16.05% | 8.99% |
| Net Profit Margin (TTM) | 23.21% | 4.05% |
| Operating Profit Margin (TTM) | 26.02% | 3.67% |
| Gross Profit Margin (TTM) | 58.94% | 25.19% |
Financial Strength
Current Ratio (MRQ)
GRMN
3.01
Household Durables Industry
- Max
- 6.09
- Q3
- 3.79
- Median
- 2.54
- Q1
- 1.23
- Min
- 0.83
GRMN’s Current Ratio of 3.01 aligns with the median group of the Household Durables industry, indicating that its short-term liquidity is in line with its sector peers.
TOST
2.59
Financial Services Industry
- Max
- 4.83
- Q3
- 2.70
- Median
- 1.44
- Q1
- 0.86
- 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)
GRMN
0.00
Household Durables Industry
- Max
- 1.89
- Q3
- 0.87
- Median
- 0.34
- Q1
- 0.19
- Min
- 0.00
Falling into the lower quartile for the Household Durables industry, GRMN’s Debt-to-Equity Ratio of 0.00 points to a conservative financing strategy. This results in lower financial risk but potentially limits strategic investments compared to more leveraged competitors.
TOST
0.00
Financial Services Industry
- Max
- 5.07
- Q3
- 2.14
- Median
- 0.66
- 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)
GRMN
73.26
Household Durables Industry
- Max
- 140.40
- Q3
- 77.14
- Median
- 24.53
- Q1
- 5.69
- Min
- -17.01
GRMN’s Interest Coverage Ratio of 73.26 is positioned comfortably within the norm for the Household Durables 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 | GRMN | TOST |
|---|---|---|
| Current Ratio (MRQ) | 3.01 | 2.59 |
| Quick Ratio (MRQ) | 1.88 | 2.44 |
| Debt-to-Equity Ratio (MRQ) | 0.00 | 0.00 |
| Interest Coverage Ratio (TTM) | 73.26 | -3.26 |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
GRMN
1.24%
Household Durables Industry
- Max
- 9.61%
- Q3
- 3.97%
- Median
- 2.00%
- Q1
- 0.18%
- Min
- 0.00%
GRMN’s Dividend Yield of 1.24% is consistent with its peers in the Household Durables industry, providing a dividend return that is standard for its sector.
TOST
0.00%
Financial Services Industry
- Max
- 8.12%
- Q3
- 3.37%
- Median
- 1.70%
- 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)
GRMN
38.63%
Household Durables Industry
- Max
- 129.55%
- Q3
- 65.55%
- Median
- 42.15%
- Q1
- 6.45%
- Min
- 0.00%
GRMN’s Dividend Payout Ratio of 38.63% is within the typical range for the Household Durables industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
TOST
0.00%
Financial Services Industry
- Max
- 132.10%
- Q3
- 64.32%
- Median
- 18.23%
- 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 | GRMN | TOST |
|---|---|---|
| Dividend Yield (TTM) | 1.24% | 0.00% |
| Dividend Payout Ratio (TTM) | 38.63% | 0.00% |
Valuation
Price-to-Earnings Ratio (TTM)
GRMN
31.22
Household Durables Industry
- Max
- 33.67
- Q3
- 19.33
- Median
- 12.58
- Q1
- 9.62
- Min
- 6.48
A P/E Ratio of 31.22 places GRMN in the upper quartile for the Household Durables industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.
TOST
92.66
Financial Services Industry
- Max
- 45.81
- Q3
- 30.21
- Median
- 16.29
- Q1
- 10.14
- Min
- 0.70
At 92.66, 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)
GRMN
7.25
Household Durables Industry
- Max
- 2.54
- Q3
- 1.39
- Median
- 0.90
- Q1
- 0.54
- Min
- 0.19
With a P/S Ratio of 7.25, GRMN trades at a valuation that eclipses even the highest in the Household Durables industry. This implies the market has priced in exceptionally optimistic scenarios for future revenue growth, posing considerable valuation risk.
TOST
3.75
Financial Services Industry
- Max
- 10.88
- Q3
- 5.34
- Median
- 2.64
- Q1
- 1.24
- Min
- 0.06
The P/S Ratio is often not a primary valuation tool in the Financial Services industry.
Price-to-Book Ratio (MRQ)
GRMN
4.95
Household Durables Industry
- Max
- 3.26
- Q3
- 2.01
- Median
- 1.38
- Q1
- 1.00
- Min
- 0.58
At 4.95, GRMN’s P/B Ratio is at an extreme premium to the Household Durables 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.
TOST
14.11
Financial Services Industry
- Max
- 7.93
- Q3
- 3.78
- Median
- 1.49
- Q1
- 0.88
- Min
- 0.08
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 | GRMN | TOST |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 31.22 | 92.66 |
| Price-to-Sales Ratio (TTM) | 7.25 | 3.75 |
| Price-to-Book Ratio (MRQ) | 4.95 | 14.11 |
| Price-to-Free Cash Flow Ratio (TTM) | 43.46 | 40.86 |