MCO vs. TOST: Moody's vs. Toast Stock Comparison

Company Profile

Moody's (MCO) and Toast (TOST) both fall under the Financial Services industry group, but MCO is classified in Capital Markets while TOST is classified in Financial Services.

Moody's (MCO) has more than two decades of public-market history since October 31, 1994, whereas Toast (TOST) listed on September 22, 2021 and has a much shorter record to draw on.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both companies show strong equity returns, but Moody's (MCO) at 76.74% is the standout with ROE above its industry range; Toast (TOST) at 25.58% also sits in the top quartile.

Moody's (MCO) at 35.26% retains a top-quartile share of revenue as profit, ahead of Toast (TOST) at 7.69%, which keeps about the industry-typical share.

Moody's (MCO) at 46.27% runs core operations around its industry’s norm, while Toast (TOST) at 8.63% operates in the bottom quartile.

Profitability Metrics

Growth

Both Moody's (MCO) at 8.89% and Toast (TOST) at 24.05% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Toast (TOST) at 1,766.67% clears its industry range for EPS growth, a much stronger earnings trajectory than Moody's (MCO) at 21.40%, which is closer to a typical peer reading.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Moody's (MCO) 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: Moody's (MCO) 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 Moody's (MCO) reports a yield of 0.78%, 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 Moody's (MCO) reports a payout of 24.59%, ranking against industry peers normally.

Dividend Metrics

Valuation

Both Moody's (MCO) at 30.85 and Toast (TOST) at 38.10 sit in the richer earnings-multiple quartile for P/E ratio, so investors are paying more for TTM earnings than they pay for typical peers.

Toast (TOST) at 2.82 prices around its industry’s typical P/S ratio, while Moody's (MCO) at 10.66 clears its benchmark range — MCO looks notably rich on sales.

Measured against book value, both Moody's (MCO) at 26.68 and Toast (TOST) at 8.79 look expensive — each P/B ratio sits above its industry’s benchmark range.

Valuation Metrics