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TOST vs. V: Toast vs. Visa Stock Comparison

How do Toast (TOST) and Visa (V) 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 Visa (V) are both classified in the Transaction & Payment Processing Services sub-industry within the broader Financial Services industry, placing them in the closest GICS peer bucket.

Company profile comparison for Toast (TOST) and Visa (V)
Profile ItemTOSTV
NameToast, Inc. Class A Common StockVisa Inc. Class A
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupFinancial ServicesFinancial Services
GICS IndustryFinancial ServicesFinancial Services
GICS Sub-IndustryTransaction & Payment Processing ServicesTransaction & Payment Processing Services
Market Capitalization20.14 billion USD788.58 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateSeptember 22, 2021March 19, 2008
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

TOST
V
GSPC
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Toast (TOST) vs. Visa (V), 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 Toast (TOST) and Visa (V). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Toast (TOST) and Visa (V)
MetricTOSTV
Total Return (1Y)-5.92%27.50%
Total Return (3Y, Annualized)35.73%21.55%
Total Return (5Y, Annualized)-10.54%15.65%

Risk Profile

Drawdown History

TOST
V
GSPC
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Toast (TOST) vs. Visa (V), 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 Toast (TOST) and Visa (V). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Toast (TOST) and Visa (V)
MetricTOSTV
Volatility (1Y, Annualized)45.32%22.99%
Beta (5Y)1.660.78
Max Drawdown (5Y)-79.13%-24.14%
Avg. Volume (3M)8.73M6.56M

Risk-Adjusted Performance

Risk-Return Positioning

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TOST and V 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 Toast (TOST) and Visa (V)
MetricTOSTV
Sharpe Ratio (1Y)-0.231.01
Sortino Ratio (1Y)-0.311.64

Profitability

ROE (TTM)

Both companies show strong equity returns, but Visa (V) at 63.51% is the standout with ROE above its industry range; Toast (TOST) at 25.58% also sits in the top quartile.

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%

V

Financial Services industry group

63.51%

V
63.51%
Max
44.78%
Q3
21.85%
Median
12.91%
Q1
4.48%
Min
-18.71%
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Toast (TOST) vs. Visa (V): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

Visa (V) at 51.20% retains a top-quartile share of revenue as profit, ahead of Toast (TOST) at 7.69%, which keeps about the industry-typical share.

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%

V

Financial Services industry group

51.20%

Max
62.84%
V
51.20%
Q3
28.05%
Median
15.36%
Q1
4.82%
Min
-28.52%
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Toast (TOST) vs. Visa (V): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Visa (V) at 63.73% carries a top-quartile operating margin, 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%

V

Financial Services industry group

63.73%

Max
107.33%
V
63.73%
Q3
55.90%
Median
30.09%
Q1
14.60%
Min
-44.34%
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Toast (TOST) vs. Visa (V): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Toast (TOST) and Visa (V)
MetricTOSTV
ROE (TTM)25.58%63.51%
ROA (TTM)10.30%19.61%
Net Margin (TTM)7.69%51.20%
Operating Margin (TTM)8.63%63.73%
Gross Margin (TTM)----

Growth

Revenue Growth

Both Toast (TOST) at 24.05% and Visa (V) at 14.76% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

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

EPS Growth

Toast (TOST) at 1,766.67% clears its industry range for EPS growth, a much stronger earnings trajectory than Visa (V) at 20.78%, which is closer to a typical peer reading.

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

Growth Metrics

Growth metrics for Toast (TOST) and Visa (V)
MetricTOSTV
Revenue Growth (YoY)24.05%14.76%
Revenue Growth (3Y CAGR)31.10%12.02%
EPS Growth (YoY)1,766.67%20.78%
EPS Growth (3Y CAGR)--14.16%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Toast (TOST) in Financial Services and Visa (V) 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 Visa (V) 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 Toast (TOST) and Visa (V)
MetricTOSTV
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Toast (TOST) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Visa (V) reports a yield of 0.66%, ranking against industry peers normally.

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%

V

Financial Services industry group

0.66%

Max
9.77%
Q3
3.92%
Median
1.09%
V
0.66%
Q1
0.00%
Min
0.00%
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Toast (TOST) vs. Visa (V): A comparison of their dividend yield against the Financial Services industry group benchmark.

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 Visa (V) reports a payout of 21.75%, 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%

V

Financial Services industry group

21.75%

Max
241.07%
Q3
97.36%
Median
25.77%
V
21.75%
Q1
0.00%
Min
0.00%
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Toast (TOST) vs. Visa (V): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Toast (TOST) and Visa (V)
MetricTOSTV
Dividend Yield (TTM)0.00%0.66%
Dividend Payout Ratio (TTM)0.00%21.75%

Valuation

P/E Ratio (TTM)

Both Toast (TOST) at 38.10 and Visa (V) at 34.31 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.

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

V

Financial Services industry group

34.31

Max
45.85
V
34.31
Q3
24.64
Median
15.37
Q1
9.68
Min
0.16
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Toast (TOST) vs. Visa (V): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

Toast (TOST) at 2.82 prices around its industry’s typical P/S ratio, while Visa (V) at 17.18 clears its benchmark range — V looks notably rich on sales.

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

V

Financial Services industry group

17.18

V
17.18
Max
9.23
Q3
4.57
Median
2.72
Q1
1.28
Min
-0.55
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Toast (TOST) vs. Visa (V): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

Measured against book value, both Toast (TOST) at 8.79 and Visa (V) at 22.05 look expensive — each P/B ratio sits above its industry’s benchmark range.

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

V

Financial Services industry group

22.05

V
22.05
Max
7.79
Q3
3.63
Median
1.57
Q1
0.81
Min
-0.39
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Toast (TOST) vs. Visa (V): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Toast (TOST) and Visa (V)
MetricTOSTV
P/E Ratio (TTM)38.1034.31
P/S Ratio (TTM)2.8217.18
P/B Ratio (MRQ)8.7922.05
Free Cash Flow Yield (TTM)----