LPLA vs. TOST: LPL Financial vs. Toast Stock Comparison

Company Profile

LPL Financial (LPLA) and Toast (TOST) both fall under the Financial Services industry group, but LPLA is classified in Capital Markets while TOST is classified in Financial Services.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Toast (TOST) has an aggressive beta of 1.66, indicating higher sensitivity to broad-market moves, while LPL Financial (LPLA) is defensive at 0.52 and tends to be less market-sensitive — they sit on opposite ends of the beta spectrum.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both LPL Financial (LPLA) at 25.66% and Toast (TOST) at 25.58% sit in the top peer quartile for ROE, suggesting each generates more profit from shareholders’ equity than typical industry peers.

Both LPL Financial (LPLA) at 6.97% and Toast (TOST) at 7.69% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

Both LPL Financial (LPLA) at 10.85% and Toast (TOST) at 8.63% generate less operating profit per sales dollar than peers, sitting in the lower operating margin quartile of their industries.

Profitability Metrics

Growth

LPL Financial (LPLA) at 37.18% sits in the top revenue growth quartile, while Toast (TOST) at 24.05% is closer to the peer norm — faster top-line expansion for LPLA.

Toast (TOST) at 1,766.67% clears its industry range for EPS growth, a much stronger earnings trajectory than LPL Financial (LPLA) at -22.17%, which is closer to a typical peer reading.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: LPL Financial (LPLA) 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: LPL Financial (LPLA) 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 LPL Financial (LPLA) reports a yield of 0.40%, 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 LPL Financial (LPLA) reports a payout of 6.88%, ranking against industry peers normally.

Dividend Metrics

Valuation

LPL Financial (LPLA) at 16.93 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.

LPL Financial (LPLA) at 1.15 sits in the cheaper P/S ratio quartile while Toast (TOST) at 2.82 prices around its industry’s middle — LPLA costs less per dollar of sales, though read it alongside growth and margins.

Both look rich against book: LPL Financial (LPLA) at 3.98 sits in the upper P/B ratio quartile, and Toast (TOST) at 8.79 prices even higher, above its industry range.

Valuation Metrics