Toast, Inc. (TOST) Form 8-K — Nov 3, 2026
Toast reported strong Q3 2026 results with revenue of $1.98 billion (+21% YoY), net income of $169 million (vs $105 million), and diluted EPS of $0.29 (vs $0.16). ARR grew 24% to $2.5 billion, gross payment volume rose 20% to $61.8 billion, and the company added roughly 8,500 net locations to reach approximately 189,000 total. The company raised full-year 2026 guidance, now expecting non-GAAP subscription and fintech gross profit of $2,375M-$2,385M (26% growth, up from 23-25%) and Adjusted EBITDA of $840M-$850M (up from $805M-$825M). Free cash flow was $181 million in the quarter.
Key figures
- Eps
- 0.29
- Eps Beat
- 0
- Revenue
- 1981000000
- Guidance
- Q4 2026: Non-GAAP subscription services and financial technology solutions gross profit $610M-$620M (22-24% growth), Adjusted EBITDA $200M-$210M. FY 2026: gross profit $2,375M-$2,385M (26% growth, raised from 23-25%), Adjusted EBITDA $840M-$850M (raised from $805M-$825M).
- Net Income
- 169000000
- Total Debt
- 0
- Total Assets
- 3376000000
- Cash Position
- 1203000000
- Arr
- $2.5 billion (+24% YoY)
- Gpv
- $61.8 billion (+20% YoY)
- Total locations
- 189000
- Free cash flow q3
- 181000000
- Adjusted ebitda q3
- 240000000
- Operating income q3
- 165000000
- Net new locations q3
- 8500
AI analysis
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