LIVE
SQ
Block, Inc. · Information Technology - Fintech
N/A
N/A this month
VERSUS
⟷
COMPARE
TOST
Toast, Inc. · Information Technology - Restaurant Technology
$24.66
+6.20% this month
Scoreboard verdict
Across AI score, momentum, valuation, upside, operating margin
SQ
0
TOST
0
Comparison scoreboard
MIXED SETUPAI Score
SQ N/A
TOST 23.3
1Y Return
SQ N/A
TOST -42.09%
Fwd P/E
SQ N/A
TOST 14.53
Target Up.
SQ N/A
TOST +37.39%
Op. Margin
SQ N/A
TOST N/A
Metrics last refreshed: 6/20/2026
Quick take
SQ vs TOST Stock Comparison: AI Score, Valuation, Performance and Upside
SQ (Block) is a more diversified fintech ecosystem spanning small business payments (Square) and consumer financial services (Cash App), while TOST (Toast) is a highly specialized restaurant technology and payments platform with deep vertical integration. Both serve merchant payments but with very different scope and customer focus.
SQ vs TOST compares a diversified fintech platform spanning merchants and consumers against a vertically specialized restaurant technology company, both growing in the broader commerce payments landscape.
Live analysis · updated 6/20/2026
SQ and TOST are closely matched — they split the tracked metrics evenly.
Normalized 1Y performance
SQ
TOST
Not enough data to chart yet.
Recent returns
SQ
TOST
Analyst price targets & sentiment
SQ
Price target data unavailable
N/A
TOST · 25 analysts
STRONG BUYHOLDSTRONG SELL
Buy (1.9/5.0)
Price target range
analyst low$24.00
analyst high$45.00
analyst mean$33.88
current price$24.66
+37.4% upside to analyst mean
Who should consider this stock?
SQ may suit investors who:
- →Want exposure to a diversified fintech ecosystem spanning merchant POS and consumer financial services
- →Value Cash App's growing financial services monetization as a large consumer platform
- →Are comfortable with Bitcoin exposure through Block's various crypto-related businesses
TOST may suit investors who:
- →Want focused exposure to the leading restaurant technology platform
- →Value Toast's deep vertical integration and high switching costs in the restaurant vertical
- →Believe the restaurant industry's technology modernization provides a long-term adoption tailwind
Performance & AI score
| Metric | SQ | TOST |
|---|---|---|
| AI score | N/A | 23.3 |
| AI rank | N/A | #3651 |
| Latest close | N/A | $24.66 |
| 1M return | N/A | +6.20% |
| 6M return | N/A | -30.54% |
| 1Y return | N/A | -42.09% |
$10,000 invested — hypothetical growth (dividends reinvested)
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | SQ | TOST |
|---|---|---|
| 1Y ago | N/A | $5.79K (-42.1%) started 2025-06-18 |
| 5Y ago | N/A | $3.94K (-60.6%) started 2021-09-22 |
| 10Y ago | N/A | $3.94K (-60.6%) started 2021-09-22 |
Hypothetical — past performance does not guarantee future results.
Valuation & upside potential
| Metric | SQ | TOST |
|---|---|---|
| Market cap | N/A | $14.3B |
| Trailing P/E | N/A | 36.81 |
| Forward P/E | N/A | 14.53 |
| Price/Sales | 2.46 | 2.22 |
| EV/Revenue | N/A | 1.98 |
| Analyst target | N/A | $33.88 |
| Target upside | N/A | +37.39% |
Growth, profitability & risk
| Metric | SQ | TOST |
|---|---|---|
| Revenue growth | N/A | 21.90% |
| Earnings growth | N/A | 123.00% |
| EPS growth | N/A | +123.00% |
| FCF margin | N/A | +9.12% |
| Operating margin | N/A | N/A |
| Profit margin | N/A | 6.39% |
| ROIC proxy | N/A | 22.50% |
| Return on equity | N/A | 22.50% |
| Dividend yield | N/A | 0.00% |
| Beta | 1.54 | 1.76 |
| Debt/equity | N/A | 0.85 |
| Current ratio | N/A | 2.44 |
| Quick ratio | N/A | 1.79 |
Drawdown & downside risk
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
1Y risk snapshot
SQ max drawdownN/A
TOST max drawdown54.71%
SQ max wkly dropN/A
TOST max wkly drop21.48%
5Y risk snapshot
SQ max drawdownN/A
TOST max drawdown80.56%
SQ max wkly dropN/A
TOST max wkly drop36.74%
10Y risk snapshot
SQ max drawdownN/A
TOST max drawdown80.56%
SQ max wkly dropN/A
TOST max wkly drop36.74%
Performance metrics by period
| Period | Metric | SQ | TOST |
|---|---|---|---|
| 1Y | Growth | N/A | -42.09% |
| CAGR | N/A | -42.11% | |
| Sharpe ratio | N/A | -1.05 | |
| Max drawdown | N/A | 54.71% | |
| Max daily drop | N/A | 14.74% | |
| Max wkly drop | N/A | 21.48% | |
| 5Y | Growth | N/A | -60.55% |
| CAGR | N/A | -17.83% | |
| Sharpe ratio | N/A | -0.09 | |
| Max drawdown | N/A | 80.56% | |
| Max daily drop | N/A | 22.84% | |
| Max wkly drop | N/A | 36.74% | |
| 10Y | Growth | N/A | -60.55% |
| CAGR | N/A | -17.83% | |
| Sharpe ratio | N/A | -0.09 | |
| Max drawdown | N/A | 80.56% | |
| Max daily drop | N/A | 22.84% | |
| Max wkly drop | N/A | 36.74% |
Business comparison
| Category | SQ | TOST |
|---|---|---|
| Company | Block, Inc. | Toast, Inc. |
| Sector | Information Technology - Fintech | Information Technology - Restaurant Technology |
| Industry | N/A | N/A |
| Core business | Block (formerly Square) operates a two-sided ecosystem comprising Square (payment processing, POS, and business tools for small businesses), Cash App (consumer peer-to-peer payments and financial services), and Bitcoin-related products. | Toast provides an integrated point-of-sale, payment processing, and restaurant management platform specifically designed for the restaurant industry, serving tens of thousands of restaurant locations across the U.S. |
| Investor focus | Investors track Cash App's monthly active users and monetization (lending, investing), Square's gross profit growth from small business payments, and Block's Bitcoin strategy through Spiral and Cash App. | Investors track Toast's restaurant location count growth, gross payment volume (GPV), annual recurring revenue from software subscriptions, and path to profitability as the platform scales. |
SQ strengths
- →Two-sided ecosystem connecting consumer (Cash App) and merchant (Square) creates a unique loop
- →Cash App has scaled into a major consumer financial services platform with strong user engagement
- →Bitcoin exposure through Cash App and Spiral provides optionality to the crypto market
TOST strengths
- →Purpose-built platform for restaurants provides deep vertical integration unavailable from horizontal POS providers
- →High switching costs once a restaurant integrates Toast's ordering, kitchen display, payroll, and payment systems
- →Large and growing customer base across quick-service, casual, and full-service restaurant segments
Risks to watch — SQ
- →Consumer credit losses through Cash App Borrow require careful monitoring as lending scales
- →Bitcoin price volatility creates earnings variability from Bitcoin-related revenue streams
- →Competition from Stripe, PayPal, and other fintech platforms in the small business payments market
Risks to watch — TOST
- →Restaurant industry sensitivity — economic downturns that reduce restaurant traffic directly reduce Toast's payment volumes
- →Faces competition from Lightspeed and other restaurant POS providers, as well as general POS companies expanding into restaurants
- →Path to GAAP profitability has required continued optimization of unit economics
Frequently asked questions
Free public comparison
Want deeper AI forecasts?
This comparison page is public and free forever. Subscribers can unlock saved watchlists, full AI rankings, detailed forecasts, and interactive analysis tools.
Related comparisons
More comparisons
Browse all 1,000 comparisons →