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Toast Inc (TOST) — chart, structure and Closelooknet read

The Closelooknet read

Toast provides cloud software for restaurants, covering point of sale, online ordering, kitchen displays, payroll and back-office accounting. It pairs these subscriptions with integrated payment processing and restaurant-grade hardware, earning both software fees and a share of payment volume.

Detail below: the desk's view, the earnings record, peers and the company snapshot; daily prices on the price-history tab. Agents can buy the score depth per call over HTTP 402 — see the catalogue. Research diary readings, not advice.

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Signals for this name

Every Closelooknet reading that exists for TOST, from the same nightly bakes the boards use. Research diary readings, not advice.

Versus its index HALO Growth 100 · Agentic Winners 40 — the name, its sleeve and the index over day, week and month

Versus its index

The name against its Closelooknet index and its own sleeve — equal-weight, nightly closes.

HALO Growth 100 · as of 2026-11-04

DayWeekMonth3 months
TOST+5.5%+10.7%+16.9%+1.9%
Payments & Financial Infrastructure+3.4%+5.5%+3.5%—
HALO Growth 100+1.4%+3.1%+1.7%—

Against the index: 7.6 pts ahead on the week, 15.2 pts ahead on the month; against its Payments & Financial Infrastructure sleeve 13.4 pts ahead on the month.

Agentic Winners 40 · as of 2026-11-04

DayWeekMonth3 months
TOST+5.5%+10.7%+16.9%+1.9%
Endpoints+6.9%+2.5%−3.5%—
Agentic Winners 40+2.9%−1.1%+1.5%—

Against the index: 11.8 pts ahead on the week, 15.4 pts ahead on the month; against its Endpoints sleeve 20.4 pts ahead on the month.

Returns from the index workers’ nightly closes; equal-weight sleeves. A relative reading from the research diary, not advice.

Weather around the name 4 macro readings: Money Temperature, Factor regime, Sector × region …

The weather around this name

Macro readings that apply by membership — the regime, the factor tape, the sector cell, the funding backdrop.

  • Money Temperature Composite 46/100 · S&P 500 fund at 49, above its 200-day averageEight instruments scored on position, momentum, volume, volatility and fragility — the regime every name trades inside. Temperature lab → 2026-11-04
  • Factor regime Defensive rotation — low-vol leading, regime-change watchMomentum against low volatility (SPMO / SPLV): below its 50-day trend, 73th percentile of the window, -21.7% over 20 sessions. Factor regime → 2026-11-04
  • Sector × region Technology in US: −7.6% week · −12.6% month · −4.7% quarter · +14.5% yearThe Sector Engine cell this name lives in, from XLK.US; the 11 × 4 matrix shows where its sector is being bought and where it is being sold. Sector Engine → 2026-11-04
  • Sovereign pressure Index -1.79 · down 2.53 over 21 sessionsG7 long-end yields, 10s30s and the slope — the funding weather for every balance sheet on this site. Sovereign pressure → 2026-11-04
How it trades on rate days beta 0.65 to TLT · on the worst bond days it held up better than the market

How it trades on rate days

How TOST has moved when long-dated Treasury yields rise — measured against TLT, the 20+ year Treasury fund.

  • Beta to long bonds, 1 year 0.65 — shows only a loose link to bond moves for every 1% move in TLT (20+ year Treasuries), Toast Inc moved 0.65% on average · correlation 0.13 · higher than 59% of US names
  • Beta, last 3 months 1.07 more rate-sensitive lately than over the year
  • On the 10 worst bond days −0.28% on average against −0.74% for the S&P 500 the 10 sessions of the past year in which TLT fell most, i.e. long yields rose most
  • Latest of those days +1.01% TLT −1.29% that day 2026-09-24

Daily total returns from the adjusted price series; a TLT down day is a day long yields rose. Beta = the average move of the name for a 1% move in TLT. Past sensitivity, not a forecast. An investment diary, not a recommendation.

Who it is priced against HALO Growth 100 · Payments & Financial Infrastructure · 7 names with week and year-to-date

Peer group

HALO Growth 100 · Payments & Financial Infrastructure

Payments rails, exchanges, data-and-analytics franchises. The toll-booth economics of finance, hard to displace.

Compared against TOST on the nightly bakes; the Peers tab ranks the cohort on the Closelooknet scores where it exists.

Company snapshot — Toast Inc

TOST in five paragraphs: what it makes and sells, where it sits in the Closelooknet stack, who it is priced against, why we track it, what we watch. Research diary, not advice.

What it does
Toast provides cloud software for restaurants, covering point of sale, online ordering, kitchen displays, payroll and back-office accounting. It pairs these subscriptions with integrated payment processing and restaurant-grade hardware, earning both software fees and a share of payment volume. The company is based in Boston and serves restaurants across the United States, Ireland and India.
Where it sits in the stack
Toast carries no seat in our Rubin index, which tracks the AI build-out; it sits instead in the HALO Growth 100, our growth index outside the megacaps, within the Payments & Financial Infrastructure sleeve. That sleeve groups payment rails and data franchises whose toll-booth economics, a small fee on every transaction, are hard for a merchant to remove once installed.
Who it is priced against
Closelooknet's peer group places it with payments and financial-infrastructure names such as Wise, Adyen, CME Group and Nu Holdings, businesses built on repeatable transaction fees rather than one-off sales. The market also compares it with Block, whose Square unit competes directly for restaurant point-of-sale accounts.
Why Closelooknet tracks it
Toast is a HALO Growth 100 constituent and carries a Closelooknet score across the diary's modules; momentum reads strongest, valuation reads weakest of the set. The diary has not yet quoted it directly, so its coverage here rests on the index seat and the score rather than commentary.
What the diary watches
The diary watches whether payment volume per restaurant location keeps growing faster than the subscription base, since that gap is what the momentum and valuation modules are pulling against.

Toast Inc (TOST) trades on US exchanges, classified under Technology. Constituent of HALO Growth 100.

The Closelooknet company score reads 62/100 composite (momentum 66, quality 50, valuation 42) across 7 modules — the full breakdown, chart structure and analog history load live above.

Written from the company’s public profile and Closelooknet’s own readings, 2026-09-17. Descriptive, refreshed with the registry; corrections welcome via the imprint. closelook.net is an investment research diary — market structure, index membership and scores are our own readings, not investment advice. Related: index compare · sector dispersion · scanner.

The Street on this name 3 analyst actions on the wire · latest: price target by Morgan Stanley, 2026-11-04 · last print 2026-11-03

The Street on this name

Analyst actions and the latest print for TOST from the Closelooknet wires — third-party opinions on the record, not our readings.

  • Price target Morgan Stanley — target 42 Target set to $42 (+25.3% to spot) 2026-11-04
  • Price target Truist — target 38 from 39 Target cut to $38 from $39 (+20.2% to spot) 2026-10-19
  • Price target RBC Capital — target 44 from 36 Target raised to $44 from $36 (+25.2% to spot) 2026-08-31
  • Latest print EPS 0.29 against 0.37 expected — a -21.4% miss 2026-11-03

3 actions on the analyst wire since 2026-08-13: 3 target changes. Analyst wire → · Earnings wire →

Dividends and capital return no distribution in twelve months · buybacks 107 m USD in FY2025

Dividends and capital return

What TOST pays out and buys back — distributions read from the price series, money terms from the filings.

  • Distributions No cash distribution recorded in the price series over the last three years
  • Buybacks, FY2025 107 m USD 0.6% of today's market value
  • Share count +2.7% in FY2025 242 m USD of stock-based compensation in the year
  • Capital returned 107 m USD · 18% of free cash flow dividends and buybacks together, against the year’s free cash flow

Per-share amounts are derived from the adjusted price series in the listing currency, so dates sit within days of the ex-date; filing figures come from the fundamentals feed for the last reported fiscal year. An investment diary, not a recommendation.

FAQ · from the current data · as of 2026-11-05

Quick answers

What is Toast Inc (TOST)?

Toast Inc trades as TOST on the US exchange (US) and is classified under Technology in the Closelooknet research universe, as of the registry build of 2026-11-05.

Is TOST in a Closelooknet index?

Yes — Toast Inc is a constituent of HALO Growth 100, as of 2026-11-05.

What is Toast Inc's Closelooknet composite score?

62 out of 100, with momentum 66, quality 50 and valuation 42 sub-scores, as of 2026-11-05. Scores are Closelooknet's own research readings, not ratings or investment advice.

Where does TOST trade against its moving averages?

Toast Inc trades 5.0% above its 50-day and 14.3% above its 200-day moving average (5.3% above its 20-day). As of 2026-11-03 — a technical state from the nightly Closelooknet bake, not advice. The Technical tab carries the full row.

How is TOST doing against its Closelooknet index?

Over the past month Toast Inc is +16.9% against +1.7% for the HALO Growth 100 — 15.2 points ahead of its index, as of 2026-11-04. Its Payments & Financial Infrastructure sleeve is +3.5% over the same month. The “Versus its index” table on this page carries the day, the week and the month for the name, its sleeve and the index.

How does Toast Inc compare with its peers?

Against its peer group (HALO Growth 100 · Payments & Financial Infrastructure), Toast Inc (TOST) sits 15.6% below its 52-week high, 5.0% above its 50-day average; Wise plc (WISE.L) is 26.8% below, HDFC Bank Limited ADR (HDB) is 36.5% below, Deutsche Börse AG (DB1.DE) is 2.1% below, as of 2026-11-03. Put any of them next to TOST in the chart grid (2×1 or 2×2) and the page lays the companies side by side: performance, trend, valuation, margins and our money-flow reading.

How does Toast Inc trade when bond yields rise?

Over the past year Toast Inc had a beta of 0.65 to TLT, the long-dated Treasury fund — it shows only a loose link to bond moves, higher than 59% of US names. On the 10 sessions in which long bonds fell most it moved −0.28% on average, against −0.74% for the S&P 500. As of 2026-11-04; The "How it trades on rate days" block on this page carries the lines.

What does Toast Inc do?

Toast provides cloud software for restaurants, covering point of sale, online ordering, kitchen displays, payroll and back-office accounting. It pairs these subscriptions with integrated payment processing and restaurant-grade hardware, earning both software fees and a share of payment volume. The company is based in Boston and serves restaurants across the United States, Ireland and India. Closelooknet's peer group places it with payments and financial-infrastructure names such as Wise, Adyen, CME Group and Nu Holdings, businesses built on repeatable transaction fees rather than one-off sales. The market also compares it with Block, whose Square unit competes directly for restaurant point-of-sale accounts. (Company snapshot of 2026-09-17.)

Where does Toast Inc sit in the AI build-out?

Toast carries no seat in our Rubin index, which tracks the AI build-out; it sits instead in the HALO Growth 100, our growth index outside the megacaps, within the Payments & Financial Infrastructure sleeve. That sleeve groups payment rails and data franchises whose toll-booth economics, a small fee on every transaction, are hard for a merchant to remove once installed. Toast is a HALO Growth 100 constituent and carries a Closelooknet score across the diary's modules; momentum reads strongest, valuation reads weakest of the set. The diary has not yet quoted it directly, so its coverage here rests on the index seat and the score rather than commentary. (Company snapshot of 2026-09-17.)

Does Toast Inc pay a dividend?

No cash distribution shows in Toast Inc’s price series over the last three years. In fiscal 2025 the company bought back 107 m USD of its own shares, 18% of that year’s free cash flow. The share count rose 2.7% over the fiscal year. As of 2026-11-04; the "Dividends and capital return" block on this page carries the lines.

What has Wall Street done on Toast Inc recently?

The most recent analyst action on Toast Inc on the Closelooknet wire is a price target by Morgan Stanley on 2026-11-04 (target 42). 3 actions on the analyst wire since 2026-08-13: 3 target changes. Its latest earnings print on the wire, 2026-11-03: EPS 0.29 against 0.37 expected — a -21.4% miss. Analyst actions are third-party opinions recorded by the wire, not Closelooknet readings. The “The Street on this name” block on this page lists the moves; the full feeds are the analyst wire and the earnings wire.

What does this page show?

A live price chart with SMA overlays and drawing tools for TOST, performance metrics, index-membership context and the Closelooknet structure read — an investment research diary view, not investment advice.

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Related in the Closelooknet universe

same Closelooknet index seat first, then Software - Infrastructure. Scored names rank on their Closelooknet score; names without one rank on trend state — above or below their 50- and 200-day averages — never on a score they do not carry.