TOST vs. UBS: Toast vs. UBS Stock Comparison
How do Toast (TOST) and UBS (UBS) 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
Toast (TOST) and UBS (UBS) both fall under the Financial Services industry group, but TOST is classified in Financial Services while UBS is classified in Capital Markets.
UBS (UBS) has more than two decades of public-market history since May 16, 2000, whereas Toast (TOST) listed on September 22, 2021 and has a much shorter record to draw on.
| Profile Item | TOST | UBS |
|---|---|---|
| Name | Toast, Inc. Class A Common Stock | UBS Group AG |
| Country/Region | United States | Switzerland |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Financial Services | Capital Markets |
| GICS Sub-Industry | Transaction & Payment Processing Services | Diversified Capital Markets |
| Market Capitalization | 20.14 billion USD | 144.79 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | September 22, 2021 | May 16, 2000 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | TOST | UBS |
|---|---|---|
| Total Return (1Y) | -5.92% | 30.78% |
| Total Return (3Y, Annualized) | 35.73% | 29.39% |
| Total Return (5Y, Annualized) | -10.54% | 25.00% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | TOST | UBS |
|---|---|---|
| Volatility (1Y, Annualized) | 45.32% | 27.78% |
| Beta (5Y) | 1.66 | 1.15 |
| Max Drawdown (5Y) | -79.13% | -32.48% |
| Avg. Volume (3M) | 8.73M | 1.93M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | TOST | UBS |
|---|---|---|
| Sharpe Ratio (1Y) | -0.23 | 0.95 |
| Sortino Ratio (1Y) | -0.31 | 1.44 |
Profitability
ROE (TTM)
Capital efficiency shows on one side only: Toast (TOST) earns 25.58% on shareholders’ equity, ranked against its industry; UBS (UBS) has no ROE this period.
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%
UBS
Financial Services industry group
--
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
- UBS
- --
Net Margin (TTM)
Both Toast (TOST) at 7.69% and UBS (UBS) at 18.18% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
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%
UBS
Financial Services industry group
18.18%
- Max
- 62.84%
- Q3
- 28.05%
- UBS
- 18.18%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
UBS (UBS) at 27.10% runs core operations around its industry’s norm, while Toast (TOST) at 8.63% operates in the bottom quartile.
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%
UBS
Financial Services industry group
27.10%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- UBS
- 27.10%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | TOST | UBS |
|---|---|---|
| ROE (TTM) | 25.58% | -- |
| ROA (TTM) | 10.30% | -- |
| Net Margin (TTM) | 7.69% | 18.18% |
| Operating Margin (TTM) | 8.63% | 27.10% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Toast (TOST) at 24.05% and UBS (UBS) at 4.30% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Both companies show strong earnings momentum, but Toast (TOST) at 1,766.67% is the standout with EPS growth above its industry range; UBS (UBS) at 55.26% also sits in the top quartile.
Growth Metrics
| Metric | TOST | UBS |
|---|---|---|
| Revenue Growth (YoY) | 24.05% | 4.30% |
| Revenue Growth (3Y CAGR) | 31.10% | 12.44% |
| EPS Growth (YoY) | 1,766.67% | 55.26% |
| EPS Growth (3Y CAGR) | -- | 1.60% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Toast (TOST) in Financial Services and UBS (UBS) 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: Toast (TOST) in Financial Services and UBS (UBS) 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
| Metric | TOST | UBS |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Neither Toast (TOST) nor UBS (UBS) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.
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%
UBS
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- UBS
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Toast (TOST) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile UBS (UBS) reports a payout of 36.30%, ranking against industry peers normally.
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%
UBS
Financial Services industry group
36.30%
- Max
- 241.07%
- Q3
- 97.36%
- UBS
- 36.30%
- Median
- 25.77%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | TOST | UBS |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.00% |
| Dividend Payout Ratio (TTM) | 0.00% | 36.30% |
Valuation
P/E Ratio (TTM)
UBS (UBS) at 15.77 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.
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
UBS
Financial Services industry group
15.77
- Max
- 45.85
- Q3
- 24.64
- UBS
- 15.77
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
On P/S ratio, both Toast (TOST) at 2.82 and UBS (UBS) at 2.71 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
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
UBS
Financial Services industry group
2.71
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- UBS
- 2.71
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
UBS (UBS) at 1.64 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.
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
UBS
Financial Services industry group
1.64
- Max
- 7.79
- Q3
- 3.63
- UBS
- 1.64
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | TOST | UBS |
|---|---|---|
| P/E Ratio (TTM) | 38.10 | 15.77 |
| P/S Ratio (TTM) | 2.82 | 2.71 |
| P/B Ratio (MRQ) | 8.79 | 1.64 |
| Free Cash Flow Yield (TTM) | -- | -- |