Toast, Inc. (TOST) — SEC Filings
Toast, Inc. (TOST) — 41 SEC filings. Latest: 10-Q (Nov 5, 2025). Includes 15 8-K, 11 SC 13G/A, 6 10-Q.
Overview
Toast, Inc. (TOST) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 10-Q filed on Nov 5, 2025: Toast, Inc. (TOST) reported a strong financial performance for the nine months ended September 30, 2025, achieving a net income of $241 million, a significant turnaround from a net loss of $13 million in the same period of 2024. Total revenue surged to $4.52 billion, up from $3.62 billion year-over-
Sentiment Summary
Across 41 filings, the sentiment breakdown is: 2 bullish, 37 neutral, 2 mixed. The dominant filing sentiment for Toast, Inc. is neutral.
Filing Type Overview
Toast, Inc. (TOST) has filed 6 10-Q, 15 8-K, 2 DEF 14A, 2 10-K, 5 SC 13G, 11 SC 13G/A with the SEC between Feb 2024 to Nov 2025.
Filings by Year
Recent SEC Filings (41)
Risk Profile
Risk Assessment: Of TOST's 27 recent filings, 0 were flagged as high-risk, 12 as medium-risk, and 15 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.
Financial Highlights
| Metric | Value |
|---|---|
| Revenue | $4.52B |
| Net Income | $241M |
| EPS | N/A |
| Debt-to-Equity | 0.48 |
| Cash Position | $1.36B |
| Operating Margin | 4.58% |
| Total Assets | $2.97B |
| Total Debt | $0.46B |
Key Executives
- Christopher J. Mallon
- Amy M. Press
- Christopher J. Nassar
- David M. Schneider
- Christopher J. Comparato
- Jonathan A. Zabusky
- Tricia Griffith
- December 29, 2023
- Abigail P. Johnson
Industry Context
Toast operates in the highly competitive restaurant technology and payment processing sector. Key trends include the increasing demand for integrated digital solutions, online ordering, and data analytics to improve operational efficiency and customer engagement. Competitors range from large, established players to nimble startups, all vying for market share through innovation and service offerings.
Top Tags
financial-reporting (5) · 10-Q (4) · financials (4) · Restaurant Technology (3) · 8-K (3) · results-of-operations (3) · sec-filing (3) · Toast (3) · institutional-ownership (3) · SaaS (2)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Net Income | $241M | For the nine months ended September 30, 2025, a significant improvement from a $13M net loss in 2024. |
| Total Revenue | $4.52B | For the nine months ended September 30, 2025, up 24.8% from $3.62B in 2024. |
| Financial Technology Solutions Revenue | $3.70B | For the nine months ended September 30, 2025, up 25.0% from $2.96B in 2024. |
| Subscription Services Revenue | $680M | For the nine months ended September 30, 2025, up 34.4% from $506M in 2024. |
| Cash and Cash Equivalents | $1.36B | As of September 30, 2025, a substantial increase from $903M at December 31, 2024. |
| Net Cash from Operating Activities | $467M | For the nine months ended September 30, 2025, demonstrating strong operational cash generation. |
| Class A Common Stock Shares Outstanding | 515 million | As of October 30, 2025, indicating the company's share structure. |
| Class B Common Stock Shares Outstanding | 73 million | As of October 30, 2025, indicating the company's share structure. |
| Q2 2025 Revenue | $1.25B | Increased 19% from Q2 2024's $1.05B |
| Q2 2025 Net Loss | $50M | Improved from Q2 2024's $75M net loss |
| Revenue Growth | 19% | Year-over-year increase in total revenue |
| Q2 2025 Subscription Services Revenue | $350M | Up from $280M in Q2 2024 |
| Q2 2025 Financial Technology Services Revenue | $800M | Up from $650M in Q2 2024 |
| Q2 2025 Product and Professional Services Revenue | $100M | Up from $90M in Q2 2024 |
| Reporting Period End Date | 2025-03-31 | Indicates the end of the financial quarter being reported. |
Forward-Looking Statements
- {"claim":"Technology Investment Dining Group, LLC will maintain a significant stake in Toast, Inc. for the foreseeable future.","entity":"Technology Investment Dining Group, LLC","targetDate":"December 31, 2024","confidence":"medium"}
- {"claim":"Toast, Inc.'s stock price may experience increased stability due to the significant institutional ownership.","entity":"Toast, Inc.","targetDate":"Next 6-12 months","confidence":"medium"}
- {"claim":"Other institutional investors may review their positions in Toast, Inc. following FMR LLC's reduced stake.","entity":"Toast, Inc.","targetDate":"Q1 2024","confidence":"medium"}
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Frequently Asked Questions
What are the latest SEC filings for Toast, Inc. (TOST)?
Toast, Inc. has 41 recent SEC filings from Feb 2024 to Nov 2025, including 15 8-K, 11 SC 13G/A, 6 10-Q. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of TOST filings?
Across 41 filings, the sentiment breakdown is: 2 bullish, 37 neutral, 2 mixed. The dominant sentiment is neutral.
Where can I find Toast, Inc. SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Toast, Inc. (TOST) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Toast, Inc.?
Key financial highlights from Toast, Inc.'s most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for TOST?
The investment thesis for TOST includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Toast, Inc.?
Key executives identified across Toast, Inc.'s filings include Christopher J. Mallon, Amy M. Press, Christopher J. Nassar, David M. Schneider, Christopher J. Comparato and 4 others.
What are the main risk factors for Toast, Inc. stock?
Of TOST's 27 assessed filings, 0 were flagged high-risk, 12 medium-risk, and 15 low-risk.
What are recent predictions and forward guidance from Toast, Inc.?
Recent forward-looking statements from Toast, Inc. include guidance on {"claim":"Technology Investment Dining Group, LLC will maintain a significant stake in Toast, Inc. for the foreseeable f and 2 other predictions.