TOST vs. WSE: Toast vs. Wise Stock Comparison

Company Profile

Toast (TOST) and Wise (WSE) 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.

Toast (TOST) has traded publicly since September 22, 2021, giving it several years of listed trading history, while Wise (WSE) only listed on May 11, 2026 and has a limited public-market record.

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

Both TOST and WSE need 1-year volatility and 1-year return to plot risk-return positioning.

Risk-Adjusted Metrics

Profitability

Both Toast (TOST) at 25.58% and Wise (WSE) at 27.23% sit in the top peer quartile for ROE, suggesting each generates more profit from shareholders’ equity than typical industry peers.

Both Toast (TOST) at 7.69% and Wise (WSE) at 19.93% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

Wise (WSE) at 59.77% carries a top-quartile operating margin, while Toast (TOST) at 8.63% operates in the bottom quartile.

Profitability Metrics

Growth

Both Toast (TOST) at 24.05% and Wise (WSE) at 17.14% 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 Wise (WSE) at -5.78%, which is closer to a typical peer reading.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Toast (TOST) in Financial Services and Wise (WSE) 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: Toast (TOST) in Financial Services and Wise (WSE) 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

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

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

Dividend Metrics

Valuation

Wise (WSE) at 23.23 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.

On P/S ratio, both Toast (TOST) at 2.82 and Wise (WSE) at 4.30 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

Both look rich against book: Wise (WSE) at 5.94 sits in the upper P/B ratio quartile, and Toast (TOST) at 8.79 prices even higher, above its industry range.

Valuation Metrics