Toast, Inc.

BST:71Y Stock Report

Market Cap: €23.1b

Toast Valuation

Is 71Y undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Sales vs Peers

  • Price-To-Sales vs Industry

  • Price-To-Sales vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 71Y when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: 71Y (€40.78) is trading above our estimate of fair value (€26.87)

Significantly Below Fair Value: 71Y is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 71Y?

Key metric: As 71Y is unprofitable we use its Price-To-Sales Ratio for relative valuation analysis.

The above table shows the Price to Sales ratio for 71Y. This is calculated by dividing 71Y's market cap by their current revenue.
What is 71Y's PS Ratio?
PS Ratio5.2x
SalesUS$4.66b
Market CapUS$24.28b

Price to Sales Ratio vs Peers

How does 71Y's PS Ratio compare to its peers?

The above table shows the PS ratio for 71Y vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PSEstimated GrowthMarket Cap
Peer Average4.4x
DB1 Deutsche Börse
5.7x-1.7%€39.6b
DBK Deutsche Bank
1.1x4.2%€30.5b
AFRM Affirm Holdings
8.6x19.7%US$20.9b
DWS DWS Group GmbH KGaA
2x-4.3%€7.8b
71Y Toast
5.2x17.3%€24.3b

Price-To-Sales vs Peers: 71Y is expensive based on its Price-To-Sales Ratio (5.2x) compared to the peer average (4.4x).

Price to Sales Ratio vs Industry

How does 71Y's PS Ratio compare vs other companies in the DE Diversified Financial Industry?

3 CompaniesPrice / SalesEstimated GrowthMarket Cap
EBEN aifinyo
0.3xn/aUS$15.51m
EBEN aifinyo
0.2xn/aUS$13.94m
CSQ creditshelf
0.005xn/aUS$29.30k
No more companies available in this PS range
71Y 5.2xIndustry Avg. 2.0xNo. of Companies3PS01.22.43.64.86+
3 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Sales vs Industry: 71Y is expensive based on its Price-To-Sales Ratio (5.2x) compared to the European Diversified Financial industry average (1.9x).

Price to Sales Ratio vs Fair Ratio

What is 71Y's PS Ratio compared to its Fair PS Ratio? This is the expected PS Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

71Y PS Ratio vs Fair Ratio.
Fair Ratio
Current PS Ratio5.2x
Fair PS Ration/a

Price-To-Sales vs Fair Ratio: Insufficient data to calculate 71Y's Price-To-Sales Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 71Y forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€40.78
€36.60
-10.3%
18.0%€47.64€23.82n/a25
Nov ’25n/a
€27.29
0%
11.7%€32.30€21.22n/a24
Oct ’25n/a
€25.04
0%
11.9%€29.53€17.00n/a23
Sep ’25€21.37
€24.87
+16.4%
11.7%€29.66€17.08n/a22
Aug ’25€24.09
€25.70
+6.7%
11.9%€30.29€17.44n/a23
Jul ’25n/a
€25.41
0%
12.5%€30.18€17.59n/a23
Jun ’25€21.54
€25.41
+17.9%
12.5%€30.18€17.59n/a23
May ’25n/a
€23.08
0%
17.9%€30.12€16.00n/a22
Apr ’25€22.47
€22.01
-2.1%
19.1%€29.66€13.91n/a21
Mar ’25€21.06
€20.72
-1.6%
15.6%€28.65€13.86n/a20
Feb ’25n/a
€17.80
0%
16.2%€22.21€11.11n/a20
Jan ’25€17.11
€16.90
-1.2%
17.1%€21.79€10.90n/a19
Dec ’24n/a
€17.07
0%
16.3%€20.10€10.97n/a18
Nov ’24n/a
€21.87
0%
17.5%€29.20€15.07n/a18
Oct ’24n/a
€24.12
0%
13.6%€29.32€17.97n/a16
Sep ’24n/a
€23.65
0%
12.3%€28.58€17.52€21.3718
Aug ’24€19.78
€21.63
+9.4%
12.7%€26.78€16.07€24.0918
Jul ’24n/a
€21.85
0%
13.0%€27.49€16.49n/a17
Jun ’24€19.72
€22.13
+12.2%
12.9%€27.88€16.73€21.5419
May ’24n/a
€20.57
0%
15.7%€27.23€14.52n/a18
Apr ’24n/a
€21.68
0%
14.2%€27.67€14.76€22.4717
Mar ’24n/a
€22.41
0%
11.8%€28.05€17.77€21.0616
Feb ’24€20.20
€22.69
+12.3%
13.8%€29.41€17.46n/a16
Jan ’24n/a
€24.83
0%
12.4%€30.96€20.32€17.1115
Dec ’23n/a
€24.83
0%
12.4%€30.96€20.32n/a15
Nov ’23n/a
€25.35
0%
9.9%€29.88€21.12n/a15

Analyst Forecast: Target price is lower than the current share price.

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