INFY vs. TOST: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at INFY and TOST, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
INFY trades as an American Depositary Receipt (ADR), offering U.S. investors a convenient way to access its foreign-listed shares. In contrast, TOST is a standard domestic listing.
| Symbol | INFY | TOST |
|---|---|---|
| Company Name | Infosys Limited | Toast, Inc. |
| Country | India | United States |
| GICS Sector | Information Technology | Financials |
| GICS Industry | IT Services | Financial Services |
| Market Capitalization | 73.37 billion USD | 19.96 billion USD |
| Exchange | NYSE | NYSE |
| Listing Date | March 11, 1999 | September 22, 2021 |
| Security Type | ADR | Common Stock |
Historical Performance
This chart compares the performance of INFY 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 | INFY | TOST |
|---|---|---|
| 5-Day Price Return | 2.52% | -9.19% |
| 13-Week Price Return | 7.11% | -23.47% |
| 26-Week Price Return | -0.83% | -27.02% |
| 52-Week Price Return | -14.88% | -23.29% |
| Month-to-Date Return | 4.26% | -9.80% |
| Year-to-Date Return | -18.07% | -10.56% |
| 10-Day Avg. Volume | 11.05M | 8.29M |
| 3-Month Avg. Volume | 8.34M | 8.64M |
| 3-Month Volatility | 24.82% | 43.29% |
| Beta | 0.99 | 1.97 |
Profitability
Return on Equity (TTM)
INFY
29.42%
IT Services Industry
- Max
- 37.08%
- Q3
- 19.28%
- Median
- 14.70%
- Q1
- 6.70%
- Min
- -8.16%
In the upper quartile for the IT Services industry, INFY’s Return on Equity of 29.42% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
TOST
15.49%
Financial Services Industry
- Max
- 34.42%
- Q3
- 16.76%
- Median
- 9.18%
- Q1
- 3.90%
- Min
- -10.16%
TOST’s Return on Equity of 15.49% 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)
INFY
16.60%
IT Services Industry
- Max
- 17.01%
- Q3
- 11.02%
- Median
- 6.91%
- Q1
- 3.07%
- Min
- -5.13%
A Net Profit Margin of 16.60% places INFY in the upper quartile for the IT Services industry, signifying strong profitability and more effective cost management than most of its peers.
TOST
4.66%
Financial Services Industry
- Max
- 52.16%
- Q3
- 25.33%
- Median
- 13.11%
- Q1
- 7.04%
- Min
- -8.99%
Falling into the lower quartile for the Financial Services industry, TOST’s Net Profit Margin of 4.66% 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)
INFY
21.03%
IT Services Industry
- Max
- 23.01%
- Q3
- 15.32%
- Median
- 9.57%
- Q1
- 4.91%
- Min
- -9.58%
An Operating Profit Margin of 21.03% places INFY in the upper quartile for the IT Services industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.
TOST
4.08%
Financial Services Industry
- Max
- 81.07%
- Q3
- 40.32%
- Median
- 19.93%
- Q1
- 10.20%
- Min
- -34.40%
TOST’s Operating Profit Margin of 4.08% 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 | INFY | TOST |
|---|---|---|
| Return on Equity (TTM) | 29.42% | 15.49% |
| Return on Assets (TTM) | 18.80% | 10.20% |
| Net Profit Margin (TTM) | 16.60% | 4.66% |
| Operating Profit Margin (TTM) | 21.03% | 4.08% |
| Gross Profit Margin (TTM) | 30.53% | 25.66% |
Financial Strength
Current Ratio (MRQ)
INFY
2.28
IT Services Industry
- Max
- 3.02
- Q3
- 1.91
- Median
- 1.36
- Q1
- 1.02
- Min
- 0.49
INFY’s Current Ratio of 2.28 is in the upper quartile for the IT Services industry. This signifies a strong liquidity position, suggesting the company is well-equipped to cover its immediate liabilities compared to its peers.
TOST
2.74
Financial Services Industry
- Max
- 4.36
- Q3
- 2.26
- Median
- 1.33
- 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)
INFY
0.08
IT Services Industry
- Max
- 2.55
- Q3
- 1.30
- Median
- 0.55
- Q1
- 0.14
- Min
- 0.00
Falling into the lower quartile for the IT Services industry, INFY’s Debt-to-Equity Ratio of 0.08 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
- 0.55
- Q1
- 0.11
- 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)
INFY
--
IT Services Industry
- Max
- 129.00
- Q3
- 56.00
- Median
- 11.69
- Q1
- 1.68
- Min
- -28.15
Interest Coverage Ratio data for INFY is currently unavailable.
TOST
-3.26
Financial Services Industry
- Max
- 140.54
- Q3
- 57.67
- Median
- 6.72
- Q1
- 1.93
- 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 | INFY | TOST |
|---|---|---|
| Current Ratio (MRQ) | 2.28 | 2.74 |
| Quick Ratio (MRQ) | 2.21 | 2.59 |
| Debt-to-Equity Ratio (MRQ) | 0.08 | 0.00 |
| Interest Coverage Ratio (TTM) | -- | -3.26 |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
INFY
2.79%
IT Services Industry
- Max
- 4.66%
- Q3
- 2.02%
- Median
- 0.66%
- Q1
- 0.00%
- Min
- 0.00%
With a Dividend Yield of 2.79%, INFY offers a more attractive income stream than most of its peers in the IT Services industry, signaling a strong commitment to shareholder returns.
TOST
0.00%
Financial Services Industry
- Max
- 7.52%
- Q3
- 3.60%
- Median
- 1.75%
- 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)
INFY
63.35%
IT Services Industry
- Max
- 93.78%
- Q3
- 63.22%
- Median
- 24.64%
- Q1
- 0.00%
- Min
- 0.00%
INFY’s Dividend Payout Ratio of 63.35% is in the upper quartile for the IT Services industry. This indicates a strong commitment to shareholder returns but also suggests that a smaller portion of earnings is retained for reinvestment compared to many peers.
TOST
0.00%
Financial Services Industry
- Max
- 132.10%
- Q3
- 64.32%
- Median
- 17.51%
- 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 | INFY | TOST |
|---|---|---|
| Dividend Yield (TTM) | 2.79% | 0.00% |
| Dividend Payout Ratio (TTM) | 63.35% | 0.00% |
Valuation
Price-to-Earnings Ratio (TTM)
INFY
22.70
IT Services Industry
- Max
- 45.03
- Q3
- 30.25
- Median
- 21.01
- Q1
- 16.50
- Min
- 0.00
INFY’s P/E Ratio of 22.70 is within the middle range for the IT Services 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
73.12
Financial Services Industry
- Max
- 46.13
- Q3
- 28.79
- Median
- 13.18
- Q1
- 9.14
- Min
- 0.47
At 73.12, 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)
INFY
3.77
IT Services Industry
- Max
- 5.24
- Q3
- 4.01
- Median
- 2.18
- Q1
- 1.08
- Min
- 0.00
INFY’s P/S Ratio of 3.77 aligns with the market consensus for the IT Services industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.
TOST
3.41
Financial Services Industry
- Max
- 9.71
- Q3
- 4.81
- Median
- 2.49
- 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)
INFY
5.79
IT Services Industry
- Max
- 9.42
- Q3
- 5.79
- Median
- 3.70
- Q1
- 2.30
- Min
- 0.79
INFY’s P/B Ratio of 5.79 is within the conventional range for the IT Services 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
10.57
Financial Services Industry
- Max
- 7.21
- Q3
- 3.51
- Median
- 1.52
- Q1
- 0.88
- Min
- 0.08
At 10.57, 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 | INFY | TOST |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 22.70 | 73.12 |
| Price-to-Sales Ratio (TTM) | 3.77 | 3.41 |
| Price-to-Book Ratio (MRQ) | 5.79 | 10.57 |
| Price-to-Free Cash Flow Ratio (TTM) | 18.50 | 35.39 |