C+64/100

Is Toast Inc (TOST) a risky stock?

Sector: Financial Services Price: $30.59 Composite: 64/100

As of July 21, 2026, Clavix grades Toast Inc (TOST) C+ for risk, a composite score of 64 out of 100 on an A+ to F scale, which puts TOST in the "average" band. The grade is a risk read for educational purposes, not a buy or sell recommendation.

Grade as of July 21, 2026. Clavix regrades every trading day.

The five risk dimensions behind TOST's grade

Each Clavix grade is a composite of five independent reads. Higher is safer. Here is how TOST scores on each, as of July 21, 2026.

Financial healthbalance sheet, margins, cash flow
71
News sentimentscored, sourced recent coverage
47
Macro exposuresensitivity to rates, dollar, oil
63
Sector resiliencestrength vs the broad market
69
Price stabilitydrawdown and volatility
37

What's moving TOST's risk right now

Company-specific signals Clavix flags behind TOST's current grade, drawn from recent news and filings as of July 21, 2026.

Regulatory · mixed signal

The insider sale under a pre-established trading plan reduces negative signaling risk, while the substantial retained stake of $4.6 million suggests continued executive confidence…

Earnings & results · supporting the grade

The Goldman Sachs upgrade signals institutional confidence in Toast's AI-driven product (Toast IQ), which could attract additional buyers and provide upside trend heading into…

Margins · mixed signal

Sustained, high-volume usage of Toast IQ by restaurant operators suggests growing product engagement and potential stickiness, which could support Toast's competitive positioning…

What a C+ grade means

On the Clavix A+ to F scale, TOST's composite of 64 falls in the C band (50–64), read as "average." The scale is fixed, so the meaning never moves.

A+AA-B+BB-C+CC-D+DD-F
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This page is generated from Clavix's own risk model and is for educational purposes only. It is not investment advice or a recommendation to buy or sell TOST or any security. Grades are risk indicators, not predictions of return. Data may be delayed.