Toast, Inc.
Toast, Inc. is classed by the SEC under Services-Computer Processing & Data Preparation (industry code 7374), based in Boston, MA. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $6.2 billion and a profit of $342 million (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a usage business: prior from its industry code (SEC 7374, Services-Computer Processing & Data Preparation); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 6.2 out of ten, 9 of 9 metrics filed: past 6.3 out of ten, present 6.7 out of ten, future 5.4 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 7.3 out of ten. No warning events in its filings since 2017. 73rd percentile among 77 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 7.1 out of ten. +44.9% a year over 7 filed years; profitable in 2 of 7. 71st percentile among 64 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 3.4 out of ten. Share count grew 5.8% a year. 14% of cash flow returned. Insiders: 57 sales, 0 purchases. 34th percentile among 44 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Financial health (present): 6.2 out of ten. ROE 16%: 16¢ of profit per shareholder dollar. Leverage 32%: owes 32¢ per asset dollar. 62nd percentile among 69 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 8.0 out of ten. top 20% of 68 in its family; net margin 5.6%. 80th percentile among 68 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 4.9 out of ten. bottom 49% of 37 in its family for leadership; chief executive since 2024. 49th percentile among 37 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
- Room to expand (future): 4.2 out of ten. bottom 42% of 68 in its family for room to expand. 42nd percentile among 68 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 6.3 out of ten. top 37% of 64 in its family for growth drivers. 63rd percentile among 64 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 5.0 out of ten. bottom 50% of 53 in its family for expectations against reality. 50th percentile among 53 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-02-18 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-05 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-08-04 (on EDGAR). Newest filing: Form 4, 2026-10-06. Filings on record since 2015. Read from EDGAR 2026-10-12.
Where the revenue comes from
Product and service lines in fiscal 2025: Technology Service 82%, License 15%, Product and Professional Services 3%. As tagged in its annual report (Form 10-K, filed 2026-02-18).
Who runs it
Narang, Aman (CEO); Fredette, Stephen (President); Gomez, Elena (President, CFO); Vassil, Jonathan (Chief Revenue Officer); Elworthy, Brian R (General Counsel); Niola, Rossana (Principal Accounting Officer); Bell, Paul D (director); Bennett, Richard Kent (director); Bharadwaj, Anutthara (director); Chapman-Hughes, Susan (director); and 3 more. 13 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-10-06.
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