TOST vs. XYZ: A Head-to-Head Stock Comparison

Updated on August 27, 2025

Here’s a clear look at TOST and XYZ, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

Symbol	TOST	XYZ
Company Name	Toast, Inc.	Block, Inc.
Country	United States	United States
GICS Sector	Financials	Financials
GICS Industry	Financial Services	Financial Services
Market Capitalization	25.33 billion USD	48.21 billion USD
Exchange	NYSE	NYSE
Listing Date	September 22, 2021	November 19, 2015
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of TOST and XYZ by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

TOST vs. XYZ: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	TOST	XYZ
5-Day Price Return	3.40%	6.43%
13-Week Price Return	1.78%	35.53%
26-Week Price Return	8.65%	-5.73%
52-Week Price Return	84.38%	23.87%
Month-to-Date Return	-11.06%	2.36%
Year-to-Date Return	19.18%	-6.95%
10-Day Avg. Volume	6.68M	7.31M
3-Month Avg. Volume	7.75M	10.99M
3-Month Volatility	36.53%	41.26%
Beta	2.03	2.77

Profitability

Return on Equity (TTM)

TOST

13.88%

Financial Services Industry

Max: 40.58%
Q3: 20.06%
Median: 10.67%
Q1: 4.19%
Min: -10.31%

TOST’s Return on Equity of 13.88% is on par with the norm for the Financial Services industry, indicating its profitability relative to shareholder equity is typical for the sector.

XYZ

13.95%

Financial Services Industry

Max: 40.58%
Q3: 20.06%
Median: 10.67%
Q1: 4.19%
Min: -10.31%

XYZ’s Return on Equity of 13.95% is on par with the norm for the Financial Services industry, indicating its profitability relative to shareholder equity is typical for the sector.

TOST vs. XYZ: A comparison of their Return on Equity (TTM) against the Financial Services industry benchmark.

Net Profit Margin (TTM)

TOST

4.05%

Financial Services Industry

Max: 52.86%
Q3: 25.58%
Median: 12.23%
Q1: 6.64%
Min: -9.92%

Falling into the lower quartile for the Financial Services industry, TOST’s Net Profit Margin of 4.05% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

XYZ

12.41%

Financial Services Industry

Max: 52.86%
Q3: 25.58%
Median: 12.23%
Q1: 6.64%
Min: -9.92%

XYZ’s Net Profit Margin of 12.41% is aligned with the median group of its peers in the Financial Services industry. This indicates its ability to convert revenue into profit is typical for the sector.

TOST vs. XYZ: A comparison of their Net Profit Margin (TTM) against the Financial Services industry benchmark.

Operating Profit Margin (TTM)

TOST

3.67%

Financial Services Industry

Max: 77.28%
Q3: 37.68%
Median: 18.17%
Q1: 9.27%
Min: -8.19%

TOST’s Operating Profit Margin of 3.67% is in the lower quartile for the Financial Services industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

XYZ

4.82%

Financial Services Industry

Max: 77.28%
Q3: 37.68%
Median: 18.17%
Q1: 9.27%
Min: -8.19%

XYZ’s Operating Profit Margin of 4.82% is in the lower quartile for the Financial Services industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

TOST vs. XYZ: A comparison of their Operating Profit Margin (TTM) against the Financial Services industry benchmark.

Profitability at a Glance

Symbol	TOST	XYZ
Return on Equity (TTM)	13.88%	13.95%
Return on Assets (TTM)	8.99%	8.08%
Net Profit Margin (TTM)	4.05%	12.41%
Operating Profit Margin (TTM)	3.67%	4.82%
Gross Profit Margin (TTM)	25.19%	39.38%

Financial Strength

Current Ratio (MRQ)

TOST

2.59

Financial Services Industry

Max: 4.58
Q3: 2.59
Median: 1.33
Q1: 0.69
Min: 0.01

For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

XYZ

1.96

Financial Services Industry

Max: 4.58
Q3: 2.59
Median: 1.33
Q1: 0.69
Min: 0.01

For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

TOST vs. XYZ: A comparison of their Current Ratio (MRQ) against the Financial Services industry benchmark.

Debt-to-Equity Ratio (MRQ)

TOST

0.00

Financial Services Industry

Max: 4.96
Q3: 2.10
Median: 0.57
Q1: 0.12
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.

XYZ

0.26

Financial Services Industry

Max: 4.96
Q3: 2.10
Median: 0.57
Q1: 0.12
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.

TOST vs. XYZ: A comparison of their Debt-to-Equity Ratio (MRQ) against the Financial Services industry benchmark.

Interest Coverage Ratio (TTM)

TOST

-3.26

Financial Services Industry

Max: 136.23
Q3: 56.08
Median: 6.55
Q1: 2.01
Min: -33.27

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.

XYZ

12.18

Financial Services Industry

Max: 136.23
Q3: 56.08
Median: 6.55
Q1: 2.01
Min: -33.27

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.

TOST vs. XYZ: A comparison of their Interest Coverage Ratio (TTM) against the Financial Services industry benchmark.

Financial Strength at a Glance

Symbol	TOST	XYZ
Current Ratio (MRQ)	2.59	1.96
Quick Ratio (MRQ)	2.44	1.92
Debt-to-Equity Ratio (MRQ)	0.00	0.26
Interest Coverage Ratio (TTM)	-3.26	12.18

Growth

Revenue Growth

TOST vs. XYZ: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

TOST vs. XYZ: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

TOST

0.00%

Financial Services Industry

Max: 8.18%
Q3: 3.60%
Median: 1.56%
Q1: 0.00%
Min: 0.00%

TOST currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

XYZ

0.00%

Financial Services Industry

Max: 8.18%
Q3: 3.60%
Median: 1.56%
Q1: 0.00%
Min: 0.00%

XYZ currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

TOST vs. XYZ: A comparison of their Dividend Yield (TTM) against the Financial Services industry benchmark.

Dividend Payout Ratio (TTM)

TOST

0.00%

Financial Services Industry

Max: 155.56%
Q3: 63.71%
Median: 18.08%
Q1: 0.00%
Min: 0.00%

TOST has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

XYZ

0.00%

Financial Services Industry

Max: 155.56%
Q3: 63.71%
Median: 18.08%
Q1: 0.00%
Min: 0.00%

XYZ has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

TOST vs. XYZ: A comparison of their Dividend Payout Ratio (TTM) against the Financial Services industry benchmark.

Dividend at a Glance

Symbol	TOST	XYZ
Dividend Yield (TTM)	0.00%	0.00%
Dividend Payout Ratio (TTM)	0.00%	0.00%

Valuation

Price-to-Earnings Ratio (TTM)

TOST

110.38

Financial Services Industry

Max: 63.23
Q3: 32.10
Median: 14.41
Q1: 10.81
Min: 0.37

At 110.38, TOST’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Financial Services industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.

XYZ

16.06

Financial Services Industry

Max: 63.23
Q3: 32.10
Median: 14.41
Q1: 10.81
Min: 0.37

XYZ’s P/E Ratio of 16.06 is within the middle range for the Financial Services industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

TOST vs. XYZ: A comparison of their Price-to-Earnings Ratio (TTM) against the Financial Services industry benchmark.

Price-to-Sales Ratio (TTM)

TOST

4.47

Financial Services Industry

Max: 11.16
Q3: 5.45
Median: 2.61
Q1: 1.25
Min: 0.04

The P/S Ratio is often not a primary valuation tool in the Financial Services industry.

XYZ

1.99

Financial Services Industry

Max: 11.16
Q3: 5.45
Median: 2.61
Q1: 1.25
Min: 0.04

The P/S Ratio is often not a primary valuation tool in the Financial Services industry.

TOST vs. XYZ: A comparison of their Price-to-Sales Ratio (TTM) against the Financial Services industry benchmark.

Price-to-Book Ratio (MRQ)

TOST

14.11

Financial Services Industry

Max: 7.09
Q3: 3.79
Median: 1.46
Q1: 0.83
Min: 0.04

At 14.11, TOST’s P/B Ratio is at an extreme premium to the Financial Services industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

XYZ

1.89

Financial Services Industry

Max: 7.09
Q3: 3.79
Median: 1.46
Q1: 0.83
Min: 0.04

XYZ’s P/B Ratio of 1.89 is within the conventional range for the Financial Services industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

TOST vs. XYZ: A comparison of their Price-to-Book Ratio (MRQ) against the Financial Services industry benchmark.

Valuation at a Glance

Symbol	TOST	XYZ
Price-to-Earnings Ratio (TTM)	110.38	16.06
Price-to-Sales Ratio (TTM)	4.47	1.99
Price-to-Book Ratio (MRQ)	14.11	1.89
Price-to-Free Cash Flow Ratio (TTM)	48.67	44.30