WallStSmart

Palantir Technologies Inc. (PLTR)vsToast Inc (TOST)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Toast Inc generates 37% more annual revenue ($6.15B vs $4.48B). PLTR leads profitability with a 36.3% profit margin vs 5.6%. TOST appears more attractively valued with a PEG of 0.24. PLTR earns a higher WallStSmart Score of 73/100 (B).

PLTR

Strong Buy

73

out of 100

Grade: B

Growth: 8.7Profit: 9.5Value: 2.0Quality: 9.0
Piotroski: 5/9Altman Z: 4.62

TOST

Strong Buy

65

out of 100

Grade: B-

Growth: 7.3Profit: 6.0Value: 8.0Quality: 7.3
Piotroski: 4/9Altman Z: 3.54
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

PLTRSignificantly Overvalued (-337.0%)

Margin of Safety

-337.0%

Fair Value

$29.48

Current Price

$154.96

$125.48 premium

UndervaluedFair: $29.48Overvalued
TOSTOvervalued (-6.9%)

Margin of Safety

-6.9%

Fair Value

$26.21

Current Price

$26.81

$0.60 premium

UndervaluedFair: $26.21Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PLTR6 strengths · Avg: 10.0/10
Market CapQuality
$370.18B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
36.3%10/10

Keeps 36 of every $100 in revenue as profit

Operating MarginProfitability
40.9%10/10

Strong operational efficiency at 40.9%

Revenue GrowthGrowth
70.0%10/10

Revenue surging 70.0% year-over-year

Debt/EquityHealth
0.0610/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
4.6210/10

Safe zone — low bankruptcy risk

TOST3 strengths · Avg: 9.3/10
PEG RatioValuation
0.2410/10

Growing faster than its price suggests

Altman Z-ScoreHealth
3.5410/10

Safe zone — low bankruptcy risk

Revenue GrowthGrowth
22.0%8/10

Revenue surging 22.0% year-over-year

Areas to Watch

PLTR3 concerns · Avg: 2.0/10
PEG RatioValuation
2.982/10

Expensive relative to growth rate

P/E RatioValuation
245.7x2/10

Premium valuation, high expectations priced in

Price/BookValuation
50.1x2/10

Trading at 50.1x book value

TOST3 concerns · Avg: 3.0/10
EPS GrowthGrowth
2.3%4/10

2.3% earnings growth

Profit MarginProfitability
5.6%3/10

5.6% margin — thin

P/E RatioValuation
47.5x2/10

Premium valuation, high expectations priced in

Comparative Analysis Report

WallStSmart Research

Bull Case : PLTR

The strongest argument for PLTR centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 36.3% and operating margin at 40.9%. Revenue growth of 70.0% demonstrates continued momentum.

Bull Case : TOST

The strongest argument for TOST centers on PEG Ratio, Altman Z-Score, Revenue Growth. Revenue growth of 22.0% demonstrates continued momentum. PEG of 0.24 suggests the stock is reasonably priced for its growth.

Bear Case : PLTR

The primary concerns for PLTR are PEG Ratio, P/E Ratio, Price/Book. A P/E of 245.7x leaves little room for execution misses.

Bear Case : TOST

The primary concerns for TOST are EPS Growth, Profit Margin, P/E Ratio. A P/E of 47.5x leaves little room for execution misses.

Key Dynamics to Monitor

TOST carries more volatility with a beta of 1.95 — expect wider price swings.

PLTR is growing revenue faster at 70.0% — sustainability is the question.

PLTR generates stronger free cash flow (764M), providing more financial flexibility.

Monitor SOFTWARE - INFRASTRUCTURE industry trends, competitive dynamics, and regulatory changes.

Bottom Line

PLTR scores higher overall (73/100 vs 65/100), backed by strong 36.3% margins and 70.0% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Palantir Technologies Inc.

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

Palantir Technologies Inc. creates and implements software platforms for the intelligence community in the United States to assist in counterterrorism investigations and operations. The company is headquartered in Denver, Colorado.

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Toast Inc

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

Toast, Inc. operates a cloud-based technology platform for the restaurant industry in the United States and Ireland. The company is headquartered in Boston, Massachusetts.

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