Fun buy.
Discussion about TOST
Posts
10
3Mon·
Toast Inc. Q4 FY2024 Earnings Highlights:
🔹 Adjusted EPS: Not provided
🔹 Revenue: $1.34B (Est. $1.29B) 🟢; UP +29% YoY
🔹 Net Income: $33M vs. -$36M loss in Q4 2023 🟢
Q1 Guidance:
🔹 Non-GAAP Gross Profit: $385M-$395M (27%-30% YoY growth)
🔹 Adjusted EBITDA: $100M-$110M
FY25 Guidance::
🔹 Non-GAAP Gross Profit: $1.745B-$1.765B (23%-25% YoY growth)
🔹 Adjusted EBITDA: $510M-$530M (Est. $505.19M) 🟢
Segment Performance:
🔹 Financial Technology Solutions: $1.09B (Est. $1.01B) 🟢; UP +28% YoY
🔹 Subscription Services: $200M (Est. $180M) 🟢; UP +41% YoY
🔹 Hardware & Professional Services: $48M (Est. $50.1M) 🔴; UP +12% YoY
🔹 Gross Payment Volume (GPV): $42.2B (Est. $40.3B) 🟢; UP +25% YoY
Key Financial Metrics:
🔹 ARR: $1.6B; UP +34% YoY
🔹 Total Locations: 134,000; UP +26% YoY
🔹 Gross Profit: $333M (Est. $310M) 🟢; UP +47% YoY
🔹 Operating Income: $32M vs. -$56M loss in Q4 2023 🟢
🔹 Adjusted EBITDA: $111M (Est. $95M) 🟢; UP from $29M YoY
🔹 Free Cash Flow: $134M vs. $81M in Q4 2023 🟢
🔹 Cash & Equivalents: $903M (Est. $824.6M) 🟢
Business Highlights:
🔸 Expanded partnership with Uber Technologies to enhance delivery options.
🔸 Partnered with over one-third of 2024 James Beard award-winning restaurants.
🔸 Signed deal with Ascent Hospitality Management for 500 Perkins and Huddle House locations.
CEO Aman Narang's Commentary:
🔸 "Toast had a strong close to 2024, capping off a transformational year where we added a record 28,000 net locations, grew our recurring gross profit streams 34%, delivered Adjusted EBITDA of $373 million, and achieved our first year of GAAP profitability."
Strategic Outlook:
🔸 Focused on expanding into enterprise, international, and food & beverage retail markets in 2025.
🔸 Enhancing platform differentiation to serve more than the current 134,000 locations.
44
4Mon·
Growth stocks 2025
Hello everyone,
I'm currently looking at which stocks could develop wonderfully over the next few years and have enormous growth potential.
As I personally and many others have an investment horizon of over 40 years, I find these stocks quite exciting.
Ideas would be:
$SOFI (+3.31%) SoFi Tech
$TOST (+2.63%) Toast
$MELI (-3.19%) Mercadolibre
$HOOD (+5.55%) Robin Hood
$NU (+1.38%) Nu Holdings
$1810 (-1.59%) Xiaomi
$9868 (-4.51%) XPeng
$3690 (-0.17%) Meituan
$ALB (+2.86%) Albermale
$RKLB (+7.83%) RocketLab
$GRAB (+2.26%) Grab Holdings
What do you think about this topic? And what would be your favorites here?
4Mon·
Galileo customers Sofi
For those who didn't know it yet, $TOST (+2.63%) , $HOOD (+5.55%) and $DAVE are Galileo customers of $SOFI (+3.31%)
https://www.galileo-ft.com/clients/
It's exciting to see what else is possible in combination with Technisys.
A major bank customer this year would probably be the final breakthrough 💪
www.galileo-ft.comGalileo Clients Depend on our Financial Technology Platform
11Mon·
#fintech - I found a nice overview here
Neobanking is forecast to grow at a compound annual growth rate of around 55% to $2 trillion by 2030 - Let's take a look at where fintech stocks stand based on 2025 metrics
Who do you favor? ☺️
$NU (+1.38%)
$COIN (+6.1%)
$FOUR
$HOOD (+5.55%)
$DLO
$TOST (+2.63%)
$PYPL (+1.32%)
$BILL (+1.1%)
$ADYEY (+2.37%)
$SQ (+1.57%)
$SOFI (+3.31%)
$PGY
$ML
$AFRM (+6.06%)
$UPST (+5.48%)
$SOFI (+3.31%) - Company presentation and personal opinion:
99
2 Comments
I'm missing Fiserv $FI, with a market capitalization of 120 billion, in the overview. Somehow I have the impression that more and more players are appearing on the growing fintech market. And the classic credit cards Visa, MasterCard, American Express are still there too. Furthermore, Apple Pay, PayPal etc. I really wonder how everyone can survive or grow. I can still understand it with NU Holding, because they are concentrating on markets that are barely penetrated, such as South America and Africa.
•
11
•6Mon·
Analyst updates, 02.12.24:
⬆️⬆️⬆️
- EXANE BNP upgrades NOVO NORDISK to Outperform. Target price DKK 930. $NOVO B
- HSBC upgrades LVMH to Buy. Target price EUR 727. $MC (+0.21%)
- WARBURG RESEARCH raises target price for MTU from EUR 278 to EUR 297. Hold. $MTX (+0.87%)
- GOLDMAN raises the price target for VISA from USD 324 to USD 347. Buy $V (+1.06%)
- DEUTSCHE BANK RESEARCH upgrades BASF from Hold to Buy and raises price target from EUR 50 to EUR 55. $BAS (-0.14%)
- DEUTSCHE BANK RESEARCH upgrades BURBERRY from Hold to Buy and raises target price from GBP 8.60 to GBP 11.80. $BRBY (-4.1%)
- GOLDMAN raises the target price for AROUNDTOWN from EUR 2.90 to EUR 3.70. Buy. $AT1 (+0.9%)
- GOLDMAN downgrades TOAST from Buy to Neutral and raises target price from USD 34 to USD 45. $TOST (+2.63%)
- HSBC upgrades HERMES to Buy. Target price 2500 EUR. $RMS (-0.83%)
- MORGAN STANLEY upgrades ZEBRA TECH to Equal-Weight. Target price 400 USD. $ZBRA (+1.36%)
- JPMORGAN upgrades AIR LIQUIDE from Neutral to Overweight and raises target price from EUR 161 to EUR 195. $AI (-0.16%)
- JPMORGAN raises target price for PUMA SE from EUR 44 to EUR 47. Neutral. $PUM (-0.18%)
⬇️⬇️⬇️
- GOLDMAN lowers the price target for MASTERCARD from USD 563 to USD 557. Buy. $MA (+0.9%)
- WARBURG RESEARCH lowers the price target for AIXTRON from EUR 26 to EUR 24. Buy. $AIXA (-0.63%)
- METZLER lowers the price target for WACKER NEUSON from EUR 14.50 to EUR 14. Hold. $WAC (+0.11%)
- DEUTSCHE BANK RESEARCH downgrades K+S from Hold to Sell and lowers target price from EUR 9.75 to EUR 9.50. $SDF (-1.13%)
- BERENBERG lowers the price target for BP from GBP 4.70 to GBP 4.40. Hold. $BP. (+1.04%)
- RBC downgrades IBERDROLA from Outperform to Sector-Perform. Target price EUR 14 $IBE (+0.28%)
- RBC lowers the price target for RWE from EUR 52.50 to EUR 45.50. Outperform. $RWE (+0.44%)
- JPMORGAN lowers the target price for ORSTED from DKK 460 to DKK 430. Neutral. $ORSTED (+0.9%)
- JPMORGAN lowers the price target for ADIDAS from EUR 275 to EUR 266. Overweight. $ADS (-0.33%)
- JPMORGAN lowers the price target for LVMH from EUR 685 to EUR 650. Neutral. $MC (+0.21%)
- JPMORGAN lowers the price target for HUGO BOSS from EUR 43 to EUR 42. Neutral. $BOSS (+0.33%)
1010
6Mon·
$TOST (+2.63%) | Toast Q3 Earnings Highlights:
🔹 Revenue: $1.31B (Est. $1.29B) 🟢; UP +26% YoY
🔹 EPS: $0.07 (Est. $0.01) 🟢
🔹 Gross Payment Volume (GPV): $41.7B; UP +24% YoY
Raised FY24 Guidance:
🔹 Non-GAAP Subscription & FinTech Gross Profit: $1.395B-$1.405B (32-33% YoY growth) 🟢
🔹 Adjusted EBITDA: $352M-$362M (up from prior $285M-$305M) 🟢
fQ4 Outlook:
🔹 Non-GAAP Subscription & FinTech Gross Profit: $370M-$380M (32-35% YoY growth)
🔹 Adjusted EBITDA: $90M-$100M
Key Metrics:
🔹ARR: $1.6B; UP +28% YoY
🔹 Total Locations: ~127,000; UP +28% YoY
🔹 Adj EBITDA: $113M vs $35M in Q3 2023
🔹 Free Cash Flow: $97M vs $37M in Q3 2023
Revenue Segments:
🔹 Subscription Services: $189M; UP +44% YoY
🔹 Financial Technology Solutions: $1.07B; UP +25% YoY
🔹 Hardware & Professional Services: $49M; UP +9% YoY
Business Highlights:
🔸 Added ~7,000 net new locations
🔸 Launched Branded Mobile App and SMS Marketing
🔸 Strong customer adoption and retention
🔸 Released new Voice of Restaurant Industry Survey
22
11Mon·
#fintech - I found a nice overview here
Neobanking is forecast to grow at a compound annual growth rate of around 55% to $2 trillion by 2030 - Let's take a look at where fintech stocks stand based on 2025 metrics
Who do you favor? ☺️
$NU (+1.38%)
$COIN (+6.1%)
$FOUR
$HOOD (+5.55%)
$DLO
$TOST (+2.63%)
$PYPL (+1.32%)
$BILL (+1.1%)
$ADYEY (+2.37%)
$SQ (+1.57%)
$SOFI (+3.31%)
$PGY
$ML
$AFRM (+6.06%)
$UPST (+5.48%)
$SOFI (+3.31%) - Company presentation and personal opinion:
1717
24 Comments
11Mon
Gosh, half of my portfolio is listed here 😂
•
44
•1Yr·
Hi there
I just started and thoght I would just try some things. My goal is to get some money in close future (1-2 Years) and some in 20-30 years. What do you think about my portfolio?
Im planing to sell my 3 bottom positions $N4G (-1.53%)
$TOST (+2.63%)
$NU (+1.38%) would you sell more?
What do you think I should buy next?
I would love to get some feedback :)
13Positions
CHF 7,090.07
1.08%
5 Comments
1Yr
The typical Swiss daily salary. All jokes aside, the portfolio looks good. I would personally sell those bottom 3 positions, but that’s just my personal opinion.
•
33
•Trending Securities
Top creators this week
Real-time data from LSX · Fundamentals & EOD data from FactSet