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TOST vs. XYZ: Toast vs. Block Stock Comparison

How do Toast (TOST) and Block (XYZ) 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 Block (XYZ) 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 Block (XYZ)
Profile ItemTOSTXYZ
NameToast, Inc. Class A Common StockBlock Inc. Class A Common Stock
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 USD51.67 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateSeptember 22, 2021November 19, 2015
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

TOST
XYZ
GSPC
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Toast (TOST) vs. Block (XYZ), 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 Block (XYZ). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Toast (TOST) and Block (XYZ)
MetricTOSTXYZ
Total Return (1Y)-5.92%35.34%
Total Return (3Y, Annualized)35.73%20.17%
Total Return (5Y, Annualized)-10.54%-17.43%

Risk Profile

Drawdown History

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

Risk Metrics

Risk profile metrics for Toast (TOST) and Block (XYZ)
MetricTOSTXYZ
Volatility (1Y, Annualized)45.32%48.01%
Beta (5Y)1.662.48
Max Drawdown (5Y)-79.13%-83.55%
Avg. Volume (3M)8.73M4.73M

Risk-Adjusted Performance

Risk-Return Positioning

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TOST and XYZ 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 Block (XYZ)
MetricTOSTXYZ
Sharpe Ratio (1Y)-0.230.65
Sortino Ratio (1Y)-0.311.03

Profitability

ROE (TTM)

Toast (TOST) at 25.58% sits in the top ROE quartile, while Block (XYZ) at 2.02% is in the bottom quartile, showing a clear gap in returns on equity.

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%

XYZ

Financial Services industry group

2.02%

Max
44.78%
Q3
21.85%
Median
12.91%
Q1
4.48%
XYZ
2.02%
Min
-18.71%
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Toast (TOST) vs. Block (XYZ): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

Toast (TOST) at 7.69% keeps about the industry-typical share of revenue as profit, while Block (XYZ) at 1.80% retains only a bottom-quartile 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%

XYZ

Financial Services industry group

1.80%

Max
62.84%
Q3
28.05%
Median
15.36%
Q1
4.82%
XYZ
1.80%
Min
-28.52%
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Toast (TOST) vs. Block (XYZ): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Both Toast (TOST) at 8.63% and Block (XYZ) at 6.65% generate less operating profit per sales dollar than peers, sitting in the lower operating margin quartile of their industries.

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%

XYZ

Financial Services industry group

6.65%

Max
107.33%
Q3
55.90%
Median
30.09%
Q1
14.60%
XYZ
6.65%
Min
-44.34%
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Toast (TOST) vs. Block (XYZ): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Toast (TOST) and Block (XYZ)
MetricTOSTXYZ
ROE (TTM)25.58%2.02%
ROA (TTM)10.30%1.94%
Net Margin (TTM)7.69%1.80%
Operating Margin (TTM)8.63%6.65%
Gross Margin (TTM)----

Growth

Revenue Growth

Toast (TOST) at 24.05% is around its peer norm for revenue growth, while Block (XYZ) at 0.30% drops into the bottom quartile, signaling weaker demand or pricing momentum.

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

EPS Growth

Toast (TOST) at 1,766.67% delivers above-range EPS growth, while Block (XYZ) at -53.95% falls into the bottom quartile — a wide split in earnings momentum.

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

Growth Metrics

Growth metrics for Toast (TOST) and Block (XYZ)
MetricTOSTXYZ
Revenue Growth (YoY)24.05%0.30%
Revenue Growth (3Y CAGR)31.10%11.33%
EPS Growth (YoY)1,766.67%-53.95%
EPS Growth (3Y CAGR)----

Financial Strength

Current Ratio (MRQ)

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

Dividends

Dividend Yield (TTM)

Neither Toast (TOST) nor Block (XYZ) 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%

XYZ

Financial Services industry group

0.00%

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

Dividend Payout Ratio (TTM)

Neither Toast (TOST) nor Block (XYZ) 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
241.07%
Q3
97.36%
Median
25.77%
TOST
0.00%
Q1
0.00%
Min
0.00%

XYZ

Financial Services industry group

0.00%

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

Dividend Metrics

Dividend metrics for Toast (TOST) and Block (XYZ)
MetricTOSTXYZ
Dividend Yield (TTM)0.00%0.00%
Dividend Payout Ratio (TTM)0.00%0.00%

Valuation

P/E Ratio (TTM)

Both look expensive on trailing earnings: Toast (TOST) at 38.10 sits in the richer P/E ratio quartile, and Block (XYZ) at 112.47 is richer still, above its industry range.

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

XYZ

Financial Services industry group

112.47

XYZ
112.47
Max
45.85
Q3
24.64
Median
15.37
Q1
9.68
Min
0.16
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Toast (TOST) vs. Block (XYZ): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

On P/S ratio, both Toast (TOST) at 2.82 and Block (XYZ) at 2.01 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

XYZ

Financial Services industry group

2.01

Max
9.23
Q3
4.57
Median
2.72
XYZ
2.01
Q1
1.28
Min
-0.55
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Toast (TOST) vs. Block (XYZ): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

Block (XYZ) at 2.26 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

XYZ

Financial Services industry group

2.26

Max
7.79
Q3
3.63
XYZ
2.26
Median
1.57
Q1
0.81
Min
-0.39
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Toast (TOST) vs. Block (XYZ): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Toast (TOST) and Block (XYZ)
MetricTOSTXYZ
P/E Ratio (TTM)38.10112.47
P/S Ratio (TTM)2.822.01
P/B Ratio (MRQ)8.792.26
Free Cash Flow Yield (TTM)----