Should I Buy TOST? TOST 2026 Analysis

Should You Buy Toast Inc (TOST) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Hold

Latest Price

25.400

1 Day change

-2.16%

52 Week Range

49.660

Analysis Updated At

2026/04/10

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Toast Inc (TOST) is not a strong buy at the moment for a beginner investor with a long-term strategy. While the company shows strong financial growth and hedge fund interest, the technical indicators are bearish, analysts' ratings are mixed, and insider selling has significantly increased. The lack of recent positive news and no strong trading signals further support a hold recommendation.

Technical Analysis

The MACD is slightly positive but contracting, RSI is neutral at 39.657, and the moving averages indicate a bearish trend (SMA_200 > SMA_20 > SMA_5). The stock is trading below the pivot level of 26.298, with key support at 25.128 and resistance at 27.469.

Options Data

Bullish

Open Interest Put-Call Ratio

Bullish

Option Volume Put-Call Ratio

Technical Summary

Sell

Buy

Positive Catalysts

Hedge funds have significantly increased their buying activity by 1237.22% over the last quarter. The company's financial performance in Q4 2025 showed strong YoY growth in revenue (+22.05%), net income (+215.62%), and EPS (+240%).

Neutral/Negative Catalysts

Insiders have increased selling activity by 323.07% over the last month. Analysts have lowered price targets across the board, citing concerns over valuation and external factors like weather impacting near-term performance. The stock lacks recent positive news or significant event-driven catalysts.

Financial Performance

In Q4 2025, Toast reported revenue of $1.633 billion (+22.05% YoY), net income of $101 million (+215.62% YoY), EPS of $0.17 (+240% YoY), and gross margin of 25.9% (+4.06% YoY). These figures indicate strong financial growth and operational efficiency.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Analysts' ratings are mixed. Loop Capital initiated coverage with a Hold rating and a $26 price target, citing concerns over valuation. Other firms like Truist, Mizuho, and JPMorgan have lowered price targets but maintain Buy or Overweight ratings, highlighting Toast's growth potential and competitive moat. However, some firms remain neutral, awaiting better valuation metrics or international profitability improvements.

21 Analyst Rating

Wall Street analysts forecast TOST stock price to rise

13 Buy

8 Hold

0 Sell

Moderate Buy

Current: 25.960

Low

Averages

High

Current: 25.960

Low

Averages

High

Loop Capital

Hold

initiated

$26

AI Analysis

2026-03-31

Reason

Loop Capital

Price Target

$26

AI Analysis

2026-03-31

initiated

Hold

Reason

As previously reported, Loop Capital initiated coverage of Toast with a Hold rating and $26 price target as part of a broader research note on FinTech Payments. The company has strong execution and is a market share winner within the restaurant point-of-sale space, but the issue isn't execution - rather, it's the fact that Toast is growing into their long-term payments earnings multiple net of stock based compensation, or SBC, the analyst tells investors in a research note. Loop adds it would become more constructive on the name if the company's P/E multiple net of SBC fell to the high teens or if Toast illustrated international profitability was improving with accelerated gross profit.

Loop Capital

Hold

initiated

$26

2026-03-31

Reason

Loop Capital

Price Target

$26

2026-03-31

initiated

Hold

Reason

Loop Capital initiated coverage of Toast with a Hold rating and $26 price target.

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TOST Should I Buy

TOST Should I Buy

Should You Buy Toast Inc (TOST) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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