TOST vs SQ Stock Comparison: AI Score, Valuation, Performance and Upside
Toast offers focused exposure to restaurant-specific point-of-sale and payments software, while Block provides a more diversified fintech platform spanning merchant payments and consumer financial services through Cash App.
Investors weighing Toast against Block are choosing between a vertical-specific restaurant technology platform and a broader, more diversified consumer and merchant fintech company.
TOST and SQ are closely matched — they split the tracked metrics evenly.
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
- Want focused exposure to restaurant industry technology adoption
- Believe in continued growth of Toast's location count and software attach rates
- Are comfortable with a single-vertical business model
- Value a bundled hardware, software, and payments approach
- Prefer diversified exposure across merchant payments and consumer fintech
- Believe in continued growth and monetization of the Cash App ecosystem
- Want exposure to a broader range of business types beyond restaurants
- Are comfortable with regulatory and competitive risks in consumer fintech
| Metric | TOST | SQ |
|---|---|---|
| AI scorei | 25.5 | N/A |
| AI ranki | #2637 | N/A |
| Latest closei | $32.22 | N/A |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | TOST | SQ |
|---|---|---|
| 1Y ago | $8.61K (-13.9%) started 2025-10-16 | N/A |
| 5Y ago | $6.26K (-37.4%) started 2021-10-18 | N/A |
| 10Y ago | $5.15K (-48.5%) started 2021-09-22 | N/A |
Hypothetical — past performance does not guarantee future results.
| Metric | TOST | SQ |
|---|---|---|
| Market capi | $19.68B | N/A |
| Trailing P/Ei | 43.09 | N/A |
| Forward P/Ei | 19.65 | N/A |
| Price/Salesi | N/A | 2.46 |
| EV/Revenuei | 2.64 | N/A |
| Analyst targeti | $38.92 | N/A |
| Target upsidei | +14.35% | N/A |
| Metric | TOST | SQ |
|---|---|---|
| Revenue growthi | 23.10% | N/A |
| Earnings growthi | 100.00% | N/A |
| EPS growthi | +100.00% | N/A |
| FCF margini | +6.97% | N/A |
| Operating margini | 7.44% | N/A |
| Profit margini | 7.14% | N/A |
| ROIC proxyi | 25.16% | N/A |
| Return on equityi | 25.16% | N/A |
| Dividend yieldi | N/A | N/A |
| Payout ratioi | 0.00% | N/A |
| Dividend growth streaki | N/A | N/A |
| Betai | 1.73 | 1.54 |
| Debt/equityi | N/A | N/A |
| Current ratioi | 2.40 | N/A |
| Quick ratioi | 1.68 | N/A |
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | TOST | SQ |
|---|---|---|---|
| 1Y | Growthi | -13.85% | N/A |
| CAGRi | -13.87% | N/A | |
| Volatilityi | 46.65% | N/A | |
| Sharpe ratioi | -0.18 | N/A | |
| Sortino ratioi | -0.25 | N/A | |
| Max drawdowni | 42.77% | N/A | |
| Current drawdowni | 17.43% | N/A | |
| Avg drawdowni | 20.89% | N/A | |
| Ulcer Indexi | 23.56% | N/A | |
| Max daily dropi | 14.74% | N/A | |
| Max wkly dropi | 21.48% | N/A | |
| 5Y | Growthi | -37.44% | N/A |
| CAGRi | -8.96% | N/A | |
| Volatilityi | 59.86% | N/A | |
| Sharpe ratioi | 0.07 | N/A | |
| Sortino ratioi | 0.10 | N/A | |
| Max drawdowni | 80.56% | N/A | |
| Current drawdowni | 50.60% | N/A | |
| Avg drawdowni | 57.99% | N/A | |
| Ulcer Indexi | 59.90% | N/A | |
| Max daily dropi | 22.84% | N/A | |
| Max wkly dropi | 36.74% | N/A | |
| 10Y | Growthi | -48.46% | N/A |
| CAGRi | -12.26% | N/A | |
| Volatilityi | 59.97% | N/A | |
| Sharpe ratioi | 0.01 | N/A | |
| Sortino ratioi | 0.01 | N/A | |
| Max drawdowni | 80.56% | N/A | |
| Current drawdowni | 50.60% | N/A | |
| Avg drawdowni | 57.50% | N/A | |
| Ulcer Indexi | 59.52% | N/A | |
| Max daily dropi | 22.84% | N/A | |
| Max wkly dropi | 36.74% | N/A |
| Category | TOST | SQ |
|---|---|---|
| Company | Toast, Inc. | Block, Inc. |
| Sector | Technology | Payments and Financial Technology |
| Industry | Software - Infrastructure | N/A |
| Core business | Toast provides an integrated point-of-sale, payments, and restaurant management software platform designed specifically for restaurants and food service businesses. | Block operates a diversified payments and fintech business, including the Square seller ecosystem for merchants and the Cash App consumer financial services platform. |
| Investor focus | Watch location and customer growth, average revenue per location, and progress toward sustained profitability. | Watch gross profit growth across Square and Cash App, Cash App monetization trends, and overall profitability progress. |
- Purpose-built platform tailored specifically to restaurant industry workflows
- Growing base of locations driving recurring software and payments revenue
- Bundled hardware, software, and payments model that increases customer stickiness
- Diversified business spanning merchant payments and consumer financial services
- Large, engaged Cash App user base with multiple monetization avenues
- Broad merchant ecosystem serving businesses across many industries, not just restaurants
- Profitability has historically been thinner than more diversified payments peers
- Restaurant industry exposure ties results to a single, competitive vertical
- Competitive pressure from other point-of-sale and restaurant technology providers
- Cash App growth and monetization trends can be volatile and harder to predict
- Regulatory scrutiny around consumer fintech and payments products
- Competitive pressure from banks, fintechs, and other payment platforms
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