TOST vs VRSK
Toast, Inc. and Verisk Analytics, Inc., side by side — 7 fiscal years reported in USD, drawn from SEC filings.
Most recent reported year
| Metric | TOST | VRSK |
|---|---|---|
| Revenue | $6.2B | $3.1B |
| Net income | $342.0M | $908.3M |
| Gross margin | 25.9% | 69.9% |
| Net margin | 5.6% | 29.6% |
| Return on equity | 18.6% | 444.0% |
| Diluted EPS | $0.56 | $6.48 |
| Dividend / share | · | · |
| Payout ratio | · | 27.6% |
| Free cash flow | $608.0M | $1.2B |
| Equity | $2.1B | $309.0M |
| Net debt / equity | · | 13.28× |
| Current ratio | 2.75× | 1.20× |
| Revenue CAGR 5y | 49.5% | 6.2% |
| Profit CAGR 5y | · | 5.0% |
TOST bills 2.0× the revenue of VRSK, and VRSK keeps more of each dollar of revenue as profit (29.6% against 5.6%).
The stronger figure of the pair is set in bold. That is arithmetic, not a recommendation — this page does not pick a winner. "·" marks a figure not available in our data.
7 years side by side
| Fiscal year | TOST | VRSK |
|---|---|---|
| FY2025 | $6.2B | $3.1B |
| FY2024 | $5.0B | $2.9B |
| FY2023 | $3.9B | $2.7B |
| FY2022 | $2.7B | $2.5B |
| FY2021 | $1.7B | $2.5B |
| FY2020 | $823.0M | $2.3B |
| FY2019 | $665.0M | $2.6B |
Bottom line
| Fiscal year | TOST | VRSK |
|---|---|---|
| FY2025 | $342.0M | $908.3M |
| FY2024 | $19.0M | $958.2M |
| FY2023 | $-246.0M | $614.6M |
| FY2022 | $-275.0M | $953.9M |
| FY2021 | $-487.0M | $666.2M |
| FY2020 | $-248.0M | $712.7M |
| FY2019 | $-209.0M | $449.9M |
7 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | +$3,080,300,000 | TOST |
| FY2024 | +$2,078,300,000 | TOST |
| FY2023 | +$1,183,600,000 | TOST |
| FY2022 | +$234,000,000 | TOST |
| FY2021 | −$757,500,000 | VRSK |
| FY2020 | −$1,446,400,000 | VRSK |
| FY2019 | −$1,942,100,000 | VRSK |
The higher-revenue side has changed between TOST and VRSK over this period. The gap has widened since the earliest year compared.
7 of 17 comparable fiscal years — a year missing data on either side is not counted.
7 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | −24.0 pp | VRSK |
| FY2024 | −32.8 pp | VRSK |
| FY2023 | −29.3 pp | VRSK |
| FY2022 | −48.3 pp | VRSK |
| FY2021 | −55.6 pp | VRSK |
| FY2020 | −61.5 pp | VRSK |
| FY2019 | −48.7 pp | VRSK |
VRSK has kept the higher net margin in every one of these 7 fiscal years.
7 of 17 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
TOST's net margin has been more volatile than VRSK's over the 7 comparable fiscal years — 14.3 percentage points of standard deviation against 6.4.
7 of 17 comparable fiscal years — a year missing data on either side is not counted.
Year by year
VRSK led in net margin in every one of the 7 comparable fiscal years — a structural lead, not a recent swing.
7 of 17 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
VRSK's return on equity has been more volatile than TOST's over the 4 comparable fiscal years — 202.7 percentage points of standard deviation against 17.8.
4 of 13 comparable fiscal years — a year missing data on either side is not counted.
Year by year
VRSK led in return on equity in every one of the 4 comparable fiscal years — a structural lead, not a recent swing.
4 of 13 comparable fiscal years — a year missing data on either side is not counted.