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Toast (TOST) Competitors

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$36.61 +1.29 (+3.65%)
As of 08/21/2026 03:58 PM Eastern

TOST vs. PYPL, XYZ, FISV, CPAY, and AFRM

Should you buy Toast stock or one of its competitors? Toast's main competitors and comparable companies include PayPal (PYPL), Block (XYZ), Fiserv (FISV), Corpay (CPAY), and Affirm (AFRM). Companies are selected based on similarities in market, industry, and size. These companies are all part of the "transaction & payment processing services" industry.

How does Toast compare to PayPal?

PayPal (NASDAQ:PYPL) and Toast (NYSE:TOST) are both large-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their analyst recommendations, risk, dividends, valuation, earnings, media sentiment, institutional ownership and profitability.

PayPal has higher revenue and earnings than Toast. PayPal is trading at a lower price-to-earnings ratio than Toast, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
PayPal$33.17B1.59$5.23B$5.2911.64
Toast$6.15B3.06$342M$0.7846.94

PayPal currently has a consensus price target of $56.28, indicating a potential downside of 8.57%. Toast has a consensus price target of $39.00, indicating a potential upside of 6.53%. Given Toast's stronger consensus rating and higher possible upside, analysts plainly believe Toast is more favorable than PayPal.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
PayPal
4 Sell rating(s)
34 Hold rating(s)
9 Buy rating(s)
0 Strong Buy rating(s)
2.11
Toast
0 Sell rating(s)
9 Hold rating(s)
17 Buy rating(s)
0 Strong Buy rating(s)
2.65

68.3% of PayPal shares are held by institutional investors. Comparatively, 82.9% of Toast shares are held by institutional investors. 0.6% of PayPal shares are held by company insiders. Comparatively, 10.0% of Toast shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

PayPal has a beta of 1.3, indicating that its stock price is 30% more volatile than the broader market. Comparatively, Toast has a beta of 1.72, indicating that its stock price is 72% more volatile than the broader market.

PayPal has a net margin of 14.36% compared to Toast's net margin of 7.14%. PayPal's return on equity of 24.39% beat Toast's return on equity.

Company Net Margins Return on Equity Return on Assets
PayPal14.36% 24.39% 6.06%
Toast 7.14%23.90%15.77%

In the previous week, PayPal had 66 more articles in the media than Toast. MarketBeat recorded 73 mentions for PayPal and 7 mentions for Toast. PayPal's average media sentiment score of 0.81 beat Toast's score of 0.45 indicating that PayPal is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
PayPal
40 Very Positive mention(s)
12 Positive mention(s)
12 Neutral mention(s)
8 Negative mention(s)
0 Very Negative mention(s)
Positive
Toast
3 Very Positive mention(s)
1 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

Summary

Toast beats PayPal on 9 of the 16 factors compared between the two stocks.

How does Toast compare to Block?

Block (NYSE:XYZ) and Toast (NYSE:TOST) are both large-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their institutional ownership, profitability, analyst recommendations, dividends, valuation, earnings, media sentiment and risk.

Block has a beta of 2.53, suggesting that its stock price is 153% more volatile than the broader market. Comparatively, Toast has a beta of 1.72, suggesting that its stock price is 72% more volatile than the broader market.

Block has higher revenue and earnings than Toast. Toast is trading at a lower price-to-earnings ratio than Block, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Block$24.19B2.04$1.31B$0.56146.70
Toast$6.15B3.06$342M$0.7846.94

70.4% of Block shares are owned by institutional investors. Comparatively, 82.9% of Toast shares are owned by institutional investors. 11.4% of Block shares are owned by company insiders. Comparatively, 10.0% of Toast shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Toast has a net margin of 7.14% compared to Block's net margin of 1.43%. Toast's return on equity of 23.90% beat Block's return on equity.

Company Net Margins Return on Equity Return on Assets
Block1.43% 8.10% 4.53%
Toast 7.14%23.90%15.77%

Block presently has a consensus target price of $95.23, suggesting a potential upside of 15.92%. Toast has a consensus target price of $39.00, suggesting a potential upside of 6.53%. Given Block's stronger consensus rating and higher possible upside, analysts plainly believe Block is more favorable than Toast.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Block
0 Sell rating(s)
8 Hold rating(s)
28 Buy rating(s)
3 Strong Buy rating(s)
2.87
Toast
0 Sell rating(s)
9 Hold rating(s)
17 Buy rating(s)
0 Strong Buy rating(s)
2.65

In the previous week, Toast had 4 more articles in the media than Block. MarketBeat recorded 7 mentions for Toast and 3 mentions for Block. Toast's average media sentiment score of 0.45 beat Block's score of 0.24 indicating that Toast is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Block
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral
Toast
3 Very Positive mention(s)
1 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

Summary

Block beats Toast on 9 of the 17 factors compared between the two stocks.

How does Toast compare to Fiserv?

Fiserv (NASDAQ:FISV) and Toast (NYSE:TOST) are both large-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their media sentiment, valuation, profitability, dividends, analyst recommendations, earnings, institutional ownership and risk.

Fiserv has higher revenue and earnings than Toast. Fiserv is trading at a lower price-to-earnings ratio than Toast, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Fiserv$21.19B1.32$3.48B$5.2110.09
Toast$6.15B3.06$342M$0.7846.94

91.0% of Fiserv shares are owned by institutional investors. Comparatively, 82.9% of Toast shares are owned by institutional investors. 0.1% of Fiserv shares are owned by insiders. Comparatively, 10.0% of Toast shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Fiserv has a net margin of 13.42% compared to Toast's net margin of 7.14%. Toast's return on equity of 23.90% beat Fiserv's return on equity.

Company Net Margins Return on Equity Return on Assets
Fiserv13.42% 15.80% 5.12%
Toast 7.14%23.90%15.77%

In the previous week, Fiserv had 14 more articles in the media than Toast. MarketBeat recorded 21 mentions for Fiserv and 7 mentions for Toast. Fiserv's average media sentiment score of 0.88 beat Toast's score of 0.45 indicating that Fiserv is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Fiserv
16 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
2 Negative mention(s)
0 Very Negative mention(s)
Positive
Toast
3 Very Positive mention(s)
1 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

Fiserv presently has a consensus price target of $74.20, suggesting a potential upside of 41.12%. Toast has a consensus price target of $39.00, suggesting a potential upside of 6.53%. Given Fiserv's higher probable upside, equities analysts plainly believe Fiserv is more favorable than Toast.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Fiserv
4 Sell rating(s)
25 Hold rating(s)
6 Buy rating(s)
0 Strong Buy rating(s)
2.06
Toast
0 Sell rating(s)
9 Hold rating(s)
17 Buy rating(s)
0 Strong Buy rating(s)
2.65

Fiserv has a beta of 0.8, indicating that its stock price is 20% less volatile than the broader market. Comparatively, Toast has a beta of 1.72, indicating that its stock price is 72% more volatile than the broader market.

Summary

Fiserv and Toast tied by winning 8 of the 16 factors compared between the two stocks.

How does Toast compare to Corpay?

Corpay (NYSE:CPAY) and Toast (NYSE:TOST) are both large-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their institutional ownership, dividends, earnings, risk, analyst recommendations, valuation, profitability and media sentiment.

In the previous week, Corpay had 4 more articles in the media than Toast. MarketBeat recorded 11 mentions for Corpay and 7 mentions for Toast. Toast's average media sentiment score of 0.45 beat Corpay's score of 0.41 indicating that Toast is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Corpay
6 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral
Toast
3 Very Positive mention(s)
1 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

Corpay has a net margin of 22.72% compared to Toast's net margin of 7.14%. Corpay's return on equity of 42.18% beat Toast's return on equity.

Company Net Margins Return on Equity Return on Assets
Corpay22.72% 42.18% 6.34%
Toast 7.14%23.90%15.77%

Corpay has a beta of 0.87, suggesting that its stock price is 13% less volatile than the broader market. Comparatively, Toast has a beta of 1.72, suggesting that its stock price is 72% more volatile than the broader market.

Corpay presently has a consensus target price of $426.08, suggesting a potential upside of 2.00%. Toast has a consensus target price of $39.00, suggesting a potential upside of 6.53%. Given Toast's higher possible upside, analysts clearly believe Toast is more favorable than Corpay.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Corpay
0 Sell rating(s)
3 Hold rating(s)
12 Buy rating(s)
0 Strong Buy rating(s)
2.80
Toast
0 Sell rating(s)
9 Hold rating(s)
17 Buy rating(s)
0 Strong Buy rating(s)
2.65

98.8% of Corpay shares are owned by institutional investors. Comparatively, 82.9% of Toast shares are owned by institutional investors. 5.2% of Corpay shares are owned by insiders. Comparatively, 10.0% of Toast shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Corpay has higher earnings, but lower revenue than Toast. Corpay is trading at a lower price-to-earnings ratio than Toast, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Corpay$4.53B6.06$1.07B$16.4325.43
Toast$6.15B3.06$342M$0.7846.94

Summary

Corpay and Toast tied by winning 8 of the 16 factors compared between the two stocks.

How does Toast compare to Affirm?

Affirm (NASDAQ:AFRM) and Toast (NYSE:TOST) are both large-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their media sentiment, analyst recommendations, profitability, earnings, risk, institutional ownership, dividends and valuation.

Affirm currently has a consensus price target of $93.15, indicating a potential upside of 20.92%. Toast has a consensus price target of $39.00, indicating a potential upside of 6.53%. Given Affirm's stronger consensus rating and higher possible upside, research analysts clearly believe Affirm is more favorable than Toast.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Affirm
0 Sell rating(s)
7 Hold rating(s)
22 Buy rating(s)
2 Strong Buy rating(s)
2.84
Toast
0 Sell rating(s)
9 Hold rating(s)
17 Buy rating(s)
0 Strong Buy rating(s)
2.65

Affirm has a beta of 3.71, suggesting that its share price is 271% more volatile than the broader market. Comparatively, Toast has a beta of 1.72, suggesting that its share price is 72% more volatile than the broader market.

In the previous week, Affirm and Affirm both had 7 articles in the media. Toast's average media sentiment score of 0.45 beat Affirm's score of 0.33 indicating that Toast is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Affirm
3 Very Positive mention(s)
0 Positive mention(s)
3 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Neutral
Toast
3 Very Positive mention(s)
1 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

Affirm has a net margin of 9.63% compared to Toast's net margin of 7.14%. Toast's return on equity of 23.90% beat Affirm's return on equity.

Company Net Margins Return on Equity Return on Assets
Affirm9.63% 11.17% 3.14%
Toast 7.14%23.90%15.77%

69.3% of Affirm shares are held by institutional investors. Comparatively, 82.9% of Toast shares are held by institutional investors. 11.0% of Affirm shares are held by insiders. Comparatively, 10.0% of Toast shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Toast has higher revenue and earnings than Affirm. Toast is trading at a lower price-to-earnings ratio than Affirm, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Affirm$3.24B7.95$52.19M$1.1070.03
Toast$6.15B3.06$342M$0.7846.94

Summary

Affirm beats Toast on 10 of the 16 factors compared between the two stocks.

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New MarketBeat Followers Over Time

This chart shows the number of new MarketBeat users adding TOST and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
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Media Sentiment Over Time

This chart shows the average media sentiment of NYSE and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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TOST vs. The Competition

MetricToastFinancial Services IndustryFinance SectorNYSE Exchange
Market Cap$18.83B$26.84B$13.63B$24.30B
Dividend YieldN/A6.06%5.89%3.70%
P/E Ratio46.9419.5429.6130.31
Price / Sales3.06415.04520.0219.95
Price / Cash42.66148.7738.1932.49
Price / Book9.203.152.186.77
Net Income$342M$1.09B$1.31B$1.07B
7 Day Performance5.31%2.38%-0.30%-0.65%
1 Month Performance29.00%4.27%2.37%3.38%
1 Year Performance-16.61%-11.72%9.68%14.90%

Toast Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
TOST
Toast
3.4286 of 5 stars
$36.61
+3.7%
$39.00
+6.5%
-16.6%$18.83B$6.15B46.946,500
PYPL
PayPal
3.8088 of 5 stars
$61.38
+1.6%
$56.28
-8.3%
-11.9%$52.46B$33.17B11.5923,800
XYZ
Block
4.636 of 5 stars
$81.46
+2.6%
$95.23
+16.9%
+3.8%$48.92B$24.19B145.4010,205
FISV
Fiserv
4.7785 of 5 stars
$52.66
+1.8%
$74.17
+40.8%
-62.3%$28.00B$21.19B10.1138,000
CPAY
Corpay
2.9008 of 5 stars
$407.69
+0.2%
$426.08
+4.5%
+26.3%$26.74B$5.02B24.7911,800

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This page (NYSE:TOST) was last updated on 8/23/2026 by MarketBeat.com Staff.
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