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RKT vs. TOST: Rocket vs. Toast Stock Comparison

How do Rocket (RKT) 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

Rocket (RKT) and Toast (TOST) both belong to the Financial Services industry, though RKT is classified under Commercial & Residential Mortgage Finance while TOST falls under Transaction & Payment Processing Services.

Company profile comparison for Rocket (RKT) and Toast (TOST)
Profile ItemRKTTOST
NameRocket Companies Inc. Class A Common StockToast, Inc. Class A Common Stock
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupFinancial ServicesFinancial Services
GICS IndustryFinancial ServicesFinancial Services
GICS Sub-IndustryCommercial & Residential Mortgage FinanceTransaction & Payment Processing Services
Market Capitalization42.74 billion USD20.14 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateAugust 6, 2020September 22, 2021
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

RKT
TOST
GSPC
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Rocket (RKT) vs. Toast (TOST), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Rocket (RKT) and Toast (TOST). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Rocket (RKT) and Toast (TOST). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Rocket (RKT) and Toast (TOST)
MetricRKTTOST
Total Return (1Y)-7.27%-5.92%
Total Return (3Y, Annualized)26.30%35.73%
Total Return (5Y, Annualized)0.22%-10.54%

Risk Profile

Drawdown History

RKT
TOST
GSPC
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Rocket (RKT) vs. Toast (TOST), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Rocket (RKT) and Toast (TOST). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Rocket (RKT) and Toast (TOST)
MetricRKTTOST
Volatility (1Y, Annualized)58.88%45.32%
Beta (5Y)2.191.66
Max Drawdown (5Y)-59.90%-79.13%
Avg. Volume (3M)34.27M8.73M

Risk-Adjusted Performance

Risk-Return Positioning

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RKT and TOST are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Rocket (RKT) and Toast (TOST)
MetricRKTTOST
Sharpe Ratio (1Y)-0.20-0.23
Sortino Ratio (1Y)-0.29-0.31

Profitability

ROE (TTM)

Toast (TOST) at 25.58% sits in the top ROE quartile, while Rocket (RKT) at 7.86% is closer to the peer norm — stronger capital efficiency for TOST.

RKT

Financial Services industry group

7.86%

Max
44.78%
Q3
21.85%
Median
12.91%
RKT
7.86%
Q1
4.48%
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%
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Rocket (RKT) vs. Toast (TOST): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

Both Rocket (RKT) at 11.02% 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.

RKT

Financial Services industry group

11.02%

Max
62.84%
Q3
28.05%
Median
15.36%
RKT
11.02%
Q1
4.82%
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%
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Rocket (RKT) vs. Toast (TOST): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Rocket (RKT) at 43.54% runs core operations around its industry’s norm, while Toast (TOST) at 8.63% operates in the bottom quartile.

RKT

Financial Services industry group

43.54%

Max
107.33%
Q3
55.90%
RKT
43.54%
Median
30.09%
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%
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Rocket (RKT) vs. Toast (TOST): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Rocket (RKT) and Toast (TOST)
MetricRKTTOST
ROE (TTM)7.86%25.58%
ROA (TTM)4.45%10.30%
Net Margin (TTM)11.02%7.69%
Operating Margin (TTM)43.54%8.63%
Gross Margin (TTM)----

Growth

Revenue Growth

Rocket (RKT) at 26.87% sits in the top revenue growth quartile, while Toast (TOST) at 24.05% is closer to the peer norm — faster top-line expansion for RKT.

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Rocket (RKT) vs. Toast (TOST): A comparison of their Revenue Growth across different time periods.

EPS Growth

Toast (TOST) at 1,766.67% delivers above-range EPS growth, while Rocket (RKT) at -123.81% falls into the bottom quartile — a wide split in earnings momentum.

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Rocket (RKT) vs. Toast (TOST): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Rocket (RKT) and Toast (TOST)
MetricRKTTOST
Revenue Growth (YoY)26.87%24.05%
Revenue Growth (3Y CAGR)3.25%31.10%
EPS Growth (YoY)-123.81%1,766.67%
EPS Growth (3Y CAGR)----

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Rocket (RKT) 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: Rocket (RKT) 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

Financial strength metrics for Rocket (RKT) and Toast (TOST)
MetricRKTTOST
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Neither Rocket (RKT) nor Toast (TOST) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

RKT

Financial Services industry group

0.00%

Max
9.77%
Q3
3.92%
Median
1.09%
RKT
0.00%
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%
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Rocket (RKT) vs. Toast (TOST): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

Neither Rocket (RKT) nor Toast (TOST) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

RKT

Financial Services industry group

0.00%

Max
241.07%
Q3
97.36%
Median
25.77%
RKT
0.00%
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%
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Rocket (RKT) vs. Toast (TOST): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Rocket (RKT) and Toast (TOST)
MetricRKTTOST
Dividend Yield (TTM)0.00%0.00%
Dividend Payout Ratio (TTM)0.00%0.00%

Valuation

P/E Ratio (TTM)

An earnings multiple is available for just one side: Toast (TOST) trades at 38.10 times trailing earnings, ranked against its peers, while Rocket (RKT) has no P/E ratio this period.

RKT

Financial Services industry group

--

Max
45.85
Q3
24.64
Median
15.37
Q1
9.68
Min
0.16
RKT
--

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
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Rocket (RKT) vs. Toast (TOST): RKT does not report P/E ratio, so it has no value marker; TOST is benchmarked against the Financial Services industry group.

P/S Ratio (TTM)

On P/S ratio, both Rocket (RKT) at 3.61 and Toast (TOST) at 2.82 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

RKT

Financial Services industry group

3.61

Max
9.23
Q3
4.57
RKT
3.61
Median
2.72
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
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Rocket (RKT) vs. Toast (TOST): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

Rocket (RKT) at 1.76 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.

RKT

Financial Services industry group

1.76

Max
7.79
Q3
3.63
RKT
1.76
Median
1.57
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
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Rocket (RKT) vs. Toast (TOST): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Rocket (RKT) and Toast (TOST)
MetricRKTTOST
P/E Ratio (TTM)--38.10
P/S Ratio (TTM)3.612.82
P/B Ratio (MRQ)1.768.79
Free Cash Flow Yield (TTM)----