TOST vs AGYS vs DBD Stock Comparison

Toast, Agilysys and Diebold Nixdorf Prices as of Oct 23, 2026 Peers: Industry group
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TOST Toast, Inc.
$32.72 +9.7% 1M -15.7% 1Y
Market cap
$18.39B
P/E
37.8x
Revenue (TTM)
$6.80B
Div. yield
–
Restaurant and Retail Software Technology
2 wins
AGYS Agilysys Inc
$120.69 +19.3% 1M +3.6% 1Y
Market cap
$3.44B
P/E
80.3x
Revenue (TTM)
$330.31M
Div. yield
–
Restaurant and Retail Software Technology
2 wins
DBD DIEBOLD NIXDORF, Inc
$69.22 +9.7% 1M +19.7% 1Y
Market cap
$2.39B
P/E
21.5x
Revenue (TTM)
$3.87B
Div. yield
–
Restaurant and Retail Software Technology
5 wins

Head to Head

9 decided of 12

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

QuestionTOSTAGYSDBDLeader
Larger companyMarket capitalisation $18.39B $3.44B $2.39B TOST
Cheaper on earningsLower P/E, profitable companies only 37.8x 80.3x 21.5x DBD
Cheaper on forward earningsLower price / next fiscal year consensus EPS 24.8x 51.6x 12.3x DBD
Faster revenue growthRevenue growth, trailing twelve months +23.0% +14.4% +5.4% TOST
More profitableNet margin, trailing twelve months 7.1% 13.0% 2.9% AGYS
Better return on capitalReturn on invested capital — — 9.1% –
Less leveragedLower net debt / EBITDA — — 1.7x –
Higher dividend yieldTrailing dividend yield 0.00% 0.00% 0.00% –
Better 1-year returnPrice return, last 12 months -15.7% +3.6% +19.7% DBD
Better 5-year returnAnnualised price return, 5 years -8.0%/yr +18.5%/yr — AGYS
Less volatileAnnualised volatility, 1 year 48.0% 55.5% 40.3% DBD
Higher overall scoreMean of the five percentile scores vs peers 69/100 70/100 72/100 DBD

Percentile Scorecard

TOSTAGYSDBD

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

AxisTOSTAGYSDBD
Valuation 52 #44 of 90 32 #62 of 90 92 #8 of 90
Growth 98 #3 of 82 96 #4 of 82 78 #19 of 82
Profitability 65 #28 of 77 78 #18 of 77 61 #31 of 77
Financial Health 71 #29 of 96 73 #27 of 96 35 #63 of 96
Shareholder Returns 60 #22 of 54 – 93 #5 of 54
Overall 69 70 72
  • TOST ranked among 99 companies in Vertical Software
  • AGYS ranked among 99 companies in Vertical Software
  • DBD ranked among 99 companies in Vertical Software

Price Performance

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

Returns

PeriodTOSTAGYSDBDSPY
1 month +9.7%+19.3%+9.7% -1.0%
3 months +12.6%+22.5%-22.5% +2.9%
6 months +12.7%+80.8%-19.2% +6.4%
Year to date -7.9%+1.6%+2.0% +11.4%
1 year -15.7%+3.6%+19.7% +13.1%
3 years +84.3%+50.7%+265.3% +79.4%
3 years, per year +22.6%+14.7%+54.1% +21.5%
5 years -34.1%+133.4%— +67.7%
5 years, per year -8.0%+18.5%— +10.9%
10 years —+1,114.2%— +255.2%
10 years, per year —+28.4%— +13.5%

Risk

MeasureTOSTAGYSDBDSPY
Volatility, 1Y 48.0%55.5%40.3% 12.7%
Downside volatility, 1Y 53.1%56.4%44.6% 12.7%
Beta vs S&P 500, 1Y 1.070.461.11 1.00
Return / volatility, 1Y -0.330.060.49 1.03
Max drawdown, 5Y -80.6%-56.1%-33.6% -25.4%
From 52-week high -16.1%-14.5%-23.7% -2.5%
52-week high $39.02$141.12$90.73 $779.14
52-week low $22.33$62.19$56.24 $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.

MultipleTOSTAGYSDBD
P/E now vs peer median 38.9xmedian 42.7x 79.1xmedian 42.7x 21.4xmedian 42.7x
P/S now vs peer median 2.8xmedian 2.7x 10.3xmedian 2.7x 0.6xmedian 2.7x
EV/EBITDA now vs peer median 29.6xmedian 19.0x 60.7xmedian 19.0x 8.0xmedian 19.0x
P/FCF now vs peer median 32.8xmedian 19.6x 42.3xmedian 19.6x 9.9xmedian 19.6x
P/B now vs peer median 9.2xmedian 1.8x 10.1xmedian 1.8x 2.4xmedian 1.8x
PEG now vs peer median 0.83median 1.75 1.52median 1.75 0.69median 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 monthsTOSTAGYSDBD
Revenue $6.80B $330.31M $3.87B
Gross profit $1.82B $208.29M $977.60M
Operating income $431.00M $48.23M $246.30M
Net income $486.00M $42.89M $113.90M
Free cash flow $576.00M $80.44M $238.10M
R&D $405.00M $75.54M $84.30M
EPS (diluted) $0.82 $1.51 $3.15
Cash & equivalents $1.02B $123.71M $282.40M
Total debt – – $942.90M
Shares (diluted) 590.00M 28.42M 35.30M
Enterprise value $11.06B $3.06B $1.05B

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
MetricTOSTAGYSDBD
P/E 38.9x 79.1x 21.4x
P/FCF 32.8x 42.3x 9.9x
P/Operating cash flow 29.7x 41.4x 8.6x
P/S 2.8x 10.3x 0.6x
P/B 9.2x 10.1x 2.4x
P/Tangible book 9.3x 12.4x 10.1x
EV/EBITDA 29.6x 60.7x 8.0x
EV/EBIT 39.8x 68.0x 12.2x
EV/Revenue 2.5x 9.9x 0.8x
EV/FCF 29.8x 40.8x 12.7x
EV/Operating cash flow 27.0x 39.9x 11.0x
PEG (3Y EPS CAGR) 0.83 1.52 0.69

Growth

14 metrics
MetricTOSTAGYSDBD
Revenue growth (1Y) 23.0% 14.4% 5.4%
Revenue CAGR (3Y) 27.1% 16.9% 2.8%
Gross profit growth (1Y) 30.5% 16.1% 8.1%
Gross profit CAGR (3Y) 38.1% 18.4% 4.9%
Operating income growth (1Y) 128.0% 125.7% 42.0%
Operating income CAGR (3Y) 47.5% 64.7% 97.9%
Net income growth (1Y) 117.0% 206.2% 1,019%
Net income CAGR (3Y) 48.7% 48.5% 28.4%
EPS growth (1Y) 122.5% 204.8% 1,016%
EPS CAGR (3Y) 46.7% 52.0% 31.1%
Operating cash flow growth (1Y) 13.8% 65.4% 16.7%
Operating cash flow CAGR (3Y) 106.7% 33.7% –
Free cash flow growth (1Y) 13.4% 70.7% 12.7%
Free cash flow CAGR (3Y) 82.9% 49.3% –

Profitability

14 metrics
MetricTOSTAGYSDBD
Gross margin 26.7% 63.1% 25.2%
EBITDA margin 8.5% 16.4% 9.7%
Operating margin 6.3% 14.6% 6.4%
Pretax margin 7.3% 16.5% 4.2%
Net margin 7.1% 13.0% 2.9%
FCF margin 8.5% 24.4% 6.1%
Operating cash flow margin 9.3% 24.9% 7.1%
Return on equity 24.1% 12.9% 11.4%
Return on assets 15.5% 9.0% 3.0%
Return on invested capital – – 9.1%
Return on capital employed 21.2% 13.0% 10.1%
Asset turnover 2.2x 0.7x 1.0x
Cash conversion (OCF / net income) 1.3x 1.9x 2.4x
Stock comp / revenue 3.4% 6.9% 0.3%

Financial Health

11 metrics
MetricTOSTAGYSDBD
Debt / assets – – 25.2%
Debt / equity – – 1.0x
Net debt / EBITDA – – 1.7x
Debt / FCF – – 4.0x
Liabilities / assets 35.7% 28.4% 73.9%
Equity / assets 64.3% 71.6% 26.1%
Interest coverage – 139.4x 2.7x
Current ratio 2.4x 1.7x 1.3x
Quick ratio 1.7x 1.6x 0.6x
Cash ratio 1.6x 1.2x 0.2x
Altman Z-score 12.71 17.03 1.92

Shareholder Returns

7 metrics
MetricTOSTAGYSDBD
Dividend yield – – –
Net buyback yield 2.7% – 9.0%
Shareholder yield 2.7% 0.0% 9.0%
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.

ConsensusTOSTAGYSDBD
Forward P/E 24.8xFY2026 51.6xFY2026 12.3xFY2026
EPS, next fiscal year $1.32FY2026 $2.34FY2026 $5.62FY2026
EPS growth, next FY +34.7%FY2026 +30.7%FY2026 +0.5%FY2026
EPS growth, the year after +35.6% +32.1% +31.5%
Revenue, next fiscal year $7.84BFY2026 $387.61MFY2026 $4.12BFY2026
Revenue growth, next FY +27.5%FY2026 +21.4%FY2026 +8.1%FY2026
Revenue growth, the year after +17.8% +4.5% +3.7%

Institutional Ownership

13F filings, quarter ended Jun 30, 2026
HoldersTOSTAGYSDBD
Held by institutions 93.1% 100.0% 100.0%
Institutions holding 774 288 213
Change in shares held, QoQ +8.1% +5.5% +8.6%
Institutions buying 427 178 129
Institutions selling 245 71 61
Buyers to sellers 1.74 2.51 2.11

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.

TOSTAGYSDBD
TOST 1.00 0.46 0.22
AGYS 0.46 1.00 0.16
DBD 0.22 0.16 1.00

Add a Peer

Largest companies in the same industry

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Frequently Asked Questions

Which is bigger, TOST, AGYS and DBD?

Toast (TOST) is the largest by market capitalisation: Toast (TOST) $18.39B, Agilysys (AGYS) $3.44B, Diebold Nixdorf (DBD) $2.39B.

Which stock is cheaper, TOST, AGYS and DBD?

Diebold Nixdorf (DBD) trades on the lowest price-to-earnings ratio (Toast (TOST) 37.8x, Agilysys (AGYS) 80.3x, Diebold Nixdorf (DBD) 21.5x). On next year's consensus earnings, Diebold Nixdorf (DBD) is cheapest (Toast (TOST) 24.8x, Agilysys (AGYS) 51.6x, Diebold Nixdorf (DBD) 12.3x). A lower multiple can reflect slower expected growth, so read it next to the growth figures.

Which company is growing faster?

Toast (TOST) grew revenue fastest over the trailing twelve months: Toast (TOST) +23.0%, Agilysys (AGYS) +14.4%, Diebold Nixdorf (DBD) +5.4%.

Which company is more profitable?

Agilysys (AGYS) has the highest net margin (Toast (TOST) 7.1%, Agilysys (AGYS) 13.0%, Diebold Nixdorf (DBD) 2.9%).

Which stock has performed better?

Over the past year Diebold Nixdorf (DBD) returned the most: Toast (TOST) -15.7%, Agilysys (AGYS) +3.6%, Diebold Nixdorf (DBD) +19.7%. Over five years, Agilysys (AGYS) compounded fastest (Toast (TOST) -8.0%/yr, Agilysys (AGYS) +18.5%/yr). Returns are price only, before dividends.

Which stock is riskier?

By one-year price volatility, Diebold Nixdorf (DBD) has been the steadiest (Toast (TOST) 48.0%, Agilysys (AGYS) 55.5%, Diebold Nixdorf (DBD) 40.3%). Volatility measures how widely the price swings, not the risk of the business.

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

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.