DBD vs TOST vs AZ Stock Comparison

Diebold Nixdorf, Toast and A2Z Cust2Mate Solutions Prices as of Oct 26, 2026 Peers: Industry group
DBD DIEBOLD NIXDORF, Inc
$68.85 +9.8% 1M +17.2% 1Y
Market cap
$2.32B
P/E
20.9x
Revenue (TTM)
$3.87B
Div. yield
–
Restaurant and Retail Software Technology
5 wins
TOST Toast, Inc.
$32.13 +5.0% 1M -16.2% 1Y
Market cap
$18.59B
P/E
38.2x
Revenue (TTM)
$6.80B
Div. yield
–
Restaurant and Retail Software Technology
3 wins

Head to Head

10 decided of 12

Diebold Nixdorf leads on 5 of the 12 questions below (Diebold Nixdorf 5, Toast 3, A2Z Cust2Mate Solutions 2). Which ones matter depends on what you are buying for; a cheap multiple and slow growth often come together.

QuestionDBDTOSTAZLeader
Larger companyMarket capitalisation $2.32B $18.59B $225.82M TOST
Cheaper on earningsLower P/E, profitable companies only 20.9x 38.2x -6.6x DBD
Cheaper on forward earningsLower price / next fiscal year consensus EPS 12.3x 24.3x — DBD
Faster revenue growthRevenue growth, trailing twelve months +5.4% +23.0% +153.0% AZ
More profitableNet margin, trailing twelve months 2.9% 7.1% -236.1% TOST
Better return on capitalReturn on invested capital 9.1% — — –
Less leveragedLower net debt / EBITDA 1.7x — 0.3x AZ
Higher dividend yieldTrailing dividend yield 0.00% 0.00% 0.00% –
Better 1-year returnPrice return, last 12 months +17.2% -16.2% -21.4% DBD
Better 5-year returnAnnualised price return, 5 years — -9.4%/yr -21.1%/yr TOST
Less volatileAnnualised volatility, 1 year 40.3% 48.1% 72.8% DBD
Higher overall scoreMean of the five percentile scores vs peers 71/100 69/100 31/100 DBD

Percentile Scorecard

DBDTOSTAZ

Each axis is the mean percentile of its metrics against the company's industry group. 100 is the best in the group, 50 the middle.

Scores by Axis

AxisDBDTOSTAZ
Valuation 91 #9 of 90 53 #43 of 90 3 #87 of 90
Growth 78 #19 of 82 98 #3 of 82 21 #65 of 82
Profitability 61 #31 of 77 65 #28 of 77 4 #74 of 77
Financial Health 35 #63 of 96 71 #29 of 96 93 #8 of 96
Shareholder Returns 93 #5 of 54 60 #22 of 54 36 #35 of 54
Overall 71 69 31
  • DBD ranked among 99 companies in Vertical Software
  • TOST ranked among 99 companies in Vertical Software
  • AZ ranked among 99 companies in Vertical Software

Price Performance

Price return, split-adjusted, before dividends. Click a name to hide or show it.

Returns

PeriodDBDTOSTAZSPY
1 month +9.8%+5.0%+7.2% -0.8%
3 months -24.1%+4.2%+1.6% +3.5%
6 months -16.4%+12.1%-20.8% +7.0%
Year to date +1.4%-9.5%-10.3% +12.2%
1 year +17.2%-16.2%-21.4% +13.0%
3 years +274.6%+103.7%+55.7% +86.3%
3 years, per year +55.4%+26.8%+15.9% +23.1%
5 years —-39.1%-69.3% +68.6%
5 years, per year —-9.4%-21.1% +11.0%

Risk

MeasureDBDTOSTAZSPY
Volatility, 1Y 40.3%48.1%72.8% 12.7%
Downside volatility, 1Y 44.6%53.1%71.2% 12.7%
Beta vs S&P 500, 1Y 1.111.072.42 1.00
Return / volatility, 1Y 0.43-0.34-0.29 1.02
Max drawdown, 5Y -33.6%-80.6%-96.9% -25.4%
From 52-week high -24.1%-17.7%-32.1% -1.8%
52-week high $90.73$39.02$8.60 $779.14
52-week low $56.24$22.33$5.12 $631.97

Valuation History

Weekly multiples on trailing twelve-month fundamentals. Negative or extreme readings (a loss year, a collapsed denominator) are left out so the chart stays readable.

MultipleDBDTOSTAZ
P/E now vs peer median 21.3xmedian 42.4x 38.2xmedian 42.4x -6.3xmedian 42.4x
P/S now vs peer median 0.6xmedian 2.7x 2.7xmedian 2.7x 17.8xmedian 2.7x
EV/EBITDA now vs peer median 8.0xmedian 19.0x 29.1xmedian 19.0x -6.5xmedian 19.0x
P/FCF now vs peer median 9.8xmedian 19.4x 32.2xmedian 19.4x -7.4xmedian 19.4x
P/B now vs peer median 2.4xmedian 1.8x 9.1xmedian 1.8x 4.0xmedian 1.8x
PEG now vs peer median 0.68median 1.75 0.82median 1.75 -0.30median 1.75

Financial History

Reported figures by fiscal period, placed on the calendar year (or quarter) each period ended in, so companies with different fiscal years line up.

Trailing twelve monthsDBDTOSTAZ
Revenue $3.87B $6.80B $14.42M
Gross profit $977.60M $1.82B $2.90M
Operating income $246.30M $431.00M -$38.70M
Net income $113.90M $486.00M -$34.76M
Free cash flow $238.10M $576.00M -$34.81M
R&D $84.30M $405.00M $11.64M
EPS (diluted) $3.15 $0.82 $-0.92
Cash & equivalents $282.40M $1.02B $14.78M
Total debt $942.90M – $2.22M
Shares (diluted) 35.30M 590.00M 36.96M
Enterprise value $984.55M $11.25B $134.64M

All Metrics

58 metrics · best in bold

Bold marks the best reading: the lowest positive value for multiples, leverage and payout, the highest for everything else. The bar under each value is its percentile against that company's own peers. Hover a value for its rank and the peer median.

Valuation

12 metrics
MetricDBDTOSTAZ
P/E 21.3x 38.2x -6.3x
P/FCF 9.8x 32.2x -7.4x
P/Operating cash flow 8.6x 29.2x -7.3x
P/S 0.6x 2.7x 17.8x
P/B 2.4x 9.1x 4.0x
P/Tangible book 10.0x 9.1x 4.0x
EV/EBITDA 8.0x 29.1x -6.5x
EV/EBIT 12.2x 39.0x -6.3x
EV/Revenue 0.8x 2.5x 16.9x
EV/FCF 12.6x 29.2x -7.0x
EV/Operating cash flow 11.0x 26.5x -7.0x
PEG (3Y EPS CAGR) 0.68 0.82 -0.30

Growth

14 metrics
MetricDBDTOSTAZ
Revenue growth (1Y) 5.4% 23.0% 153.0%
Revenue CAGR (3Y) 2.8% 27.1% 7.1%
Gross profit growth (1Y) 8.1% 30.5% 24.2%
Gross profit CAGR (3Y) 4.9% 38.1% -1.2%
Operating income growth (1Y) 42.0% 128.0% -95.5%
Operating income CAGR (3Y) 97.9% 47.5% -25.9%
Net income growth (1Y) 1,019% 117.0% 0.8%
Net income CAGR (3Y) 28.4% 48.7% -13.9%
EPS growth (1Y) 1,016% 122.5% 41.8%
EPS CAGR (3Y) 31.1% 46.7% 21.2%
Operating cash flow growth (1Y) 16.7% 13.8% -154.2%
Operating cash flow CAGR (3Y) – 106.7% -58.4%
Free cash flow growth (1Y) 12.7% 13.4% -148.3%
Free cash flow CAGR (3Y) – 82.9% -54.3%

Profitability

14 metrics
MetricDBDTOSTAZ
Gross margin 25.2% 26.7% 20.1%
EBITDA margin 9.7% 8.5% -260.5%
Operating margin 6.4% 6.3% -268.5%
Pretax margin 4.2% 7.3% -259.7%
Net margin 2.9% 7.1% -236.1%
FCF margin 6.1% 8.5% -241.5%
Operating cash flow margin 7.1% 9.3% -242.8%
Return on equity 11.4% 24.1% -51.4%
Return on assets 3.0% 15.5% -46.0%
Return on invested capital 9.1% – –
Return on capital employed 10.1% 21.2% -57.7%
Asset turnover 1.0x 2.2x 0.2x
Cash conversion (OCF / net income) 2.4x 1.3x 1.0x
Stock comp / revenue 0.3% 3.4% 117.6%

Financial Health

11 metrics
MetricDBDTOSTAZ
Debt / assets 25.2% – 3.0%
Debt / equity 1.0x – 0.0x
Net debt / EBITDA 1.7x – 0.3x
Debt / FCF 4.0x – -0.1x
Liabilities / assets 73.9% 35.7% 12.6%
Equity / assets 26.1% 64.3% 87.4%
Interest coverage 2.7x – –
Current ratio 1.3x 2.4x 7.5x
Quick ratio 0.6x 1.7x 2.5x
Cash ratio 0.2x 1.6x 1.7x
Altman Z-score 1.92 12.53 12.90

Shareholder Returns

7 metrics
MetricDBDTOSTAZ
Dividend yield – – –
Net buyback yield 9.1% 2.7% 0.0%
Shareholder yield 9.1% 2.7% 0.0%
Payout ratio (earnings) – – –
Payout ratio (FCF) – – –
Dividend growth (1Y) – – –
Dividend CAGR (3Y) – – –

Analyst Estimates

Solid lines are reported fiscal-year results; dashed lines are the consensus for the years ahead. Hover a year for the analysts' high and low, and how each result compared with its estimate.

ConsensusDBDTOSTAZ
Forward P/E 12.3xFY2026 24.3xFY2026 –
EPS, next fiscal year $5.62FY2026 $1.32FY2026 $-0.48FY2026
EPS growth, next FY +0.5%FY2026 +34.7%FY2026 –
EPS growth, the year after +31.5% +35.6% –
Revenue, next fiscal year $4.14BFY2026 $7.84BFY2026 $36.64MFY2026
Revenue growth, next FY +8.6%FY2026 +27.5%FY2026 +363.9%FY2026
Revenue growth, the year after +3.1% +17.8% +215.6%

Institutional Ownership

13F filings, quarter ended Jun 30, 2026
HoldersDBDTOSTAZ
Held by institutions 100.0% 93.1% 52.6%
Institutions holding 213 774 49
Change in shares held, QoQ +8.6% +8.1% +17.1%
Institutions buying 129 427 25
Institutions selling 61 245 13
Buyers to sellers 2.11 1.74 1.92

Return Correlation

Daily returns, last 12 months

1.00 means two stocks move in lockstep, 0 that they move independently. Pairs below about 0.5 diversify each other.

DBDTOSTAZ
DBD 1.00 0.22 0.26
TOST 0.22 1.00 0.23
AZ 0.26 0.23 1.00

Add a Peer

Largest companies in the same industry

Related Comparisons

Frequently Asked Questions

Which is bigger, DBD, TOST and AZ?

Toast (TOST) is the largest by market capitalisation: Diebold Nixdorf (DBD) $2.32B, Toast (TOST) $18.59B, A2Z Cust2Mate Solutions (AZ) $225.82M.

Which stock is cheaper, DBD, TOST and AZ?

Diebold Nixdorf (DBD) trades on the lowest price-to-earnings ratio (Diebold Nixdorf (DBD) 20.9x, Toast (TOST) 38.2x, A2Z Cust2Mate Solutions (AZ) -6.6x). On next year's consensus earnings, Diebold Nixdorf (DBD) is cheapest (Diebold Nixdorf (DBD) 12.3x, Toast (TOST) 24.3x). A lower multiple can reflect slower expected growth, so read it next to the growth figures.

Which company is growing faster?

A2Z Cust2Mate Solutions (AZ) grew revenue fastest over the trailing twelve months: Diebold Nixdorf (DBD) +5.4%, Toast (TOST) +23.0%, A2Z Cust2Mate Solutions (AZ) +153.0%.

Which company is more profitable?

Toast (TOST) has the highest net margin (Diebold Nixdorf (DBD) 2.9%, Toast (TOST) 7.1%, A2Z Cust2Mate Solutions (AZ) -236.1%).

Which stock has performed better?

Over the past year Diebold Nixdorf (DBD) returned the most: Diebold Nixdorf (DBD) +17.2%, Toast (TOST) -16.2%, A2Z Cust2Mate Solutions (AZ) -21.4%. Over five years, Toast (TOST) compounded fastest (Toast (TOST) -9.4%/yr, A2Z Cust2Mate Solutions (AZ) -21.1%/yr). Returns are price only, before dividends.

Which stock is riskier?

By one-year price volatility, Diebold Nixdorf (DBD) has been the steadiest (Diebold Nixdorf (DBD) 40.3%, Toast (TOST) 48.1%, A2Z Cust2Mate Solutions (AZ) 72.8%). Volatility measures how widely the price swings, not the risk of the business.

Which is the better stock, DBD, TOST and AZ?

There is no single answer; it depends on what you are buying for. On the 12 head-to-head measures on this page, Diebold Nixdorf (DBD) leads on 5. Business Quant does not give investment advice; use the comparison as a starting point for your own research.

Data from SEC filings, exchange prices and consensus estimates, via Business Quant. Percentile scores compare each company with its own peer group, so two companies' scores are each relative to different peers unless you rank against the whole market. Price returns exclude dividends. Nothing on this page is investment advice.