COMPARE · Reviewed August 3, 2026
FIS vs TOST
Verdict: Side-by-side breakdown using the Bull Rankings model. FIS scored 76.3, TOST scored 78.9 — TOST leads.
Compare another set
FIS
Fidelity National Information Services, Inc.
76.3
$44.78 · $23.1B
fundamentals as of
Score gap
2.6
TOST leads
TOST
Toast, Inc.
78.9
$32.79 · $19.0B
fundamentals as of
The model, pillar by pillar (0–100 each)
FIS
stronger →← stronger
TOST
67
Qualityreturns · margins · balance sheet
68
72
Growthrevenue & earnings expansion
100
92
Valuevaluation vs sector peers
72
TOST is stronger on 2 of 3 pillars.
Fundamentals, head-to-head
FIS
TOST
$2.7bB
FCF
$654mC+
+12.3%B+
Rev
+23.4%A-
1.32C
D/E
0.01A
8.7xA
P/E
48.9xC+
0.25A
PEG
0.23A
Winner per row is the stronger grade in our model; a tie or a missing value shows no highlight.
Valuation · DCF cross-check
FIS
TOST
57% below
Price vs fair valuelower is cheaper
97% above
~-13%/yr
Growth the price implies10-yr FCF · lower = less priced in
~34%/yr
+113%
1-yr DCF upside
-61%
+131%
5-yr DCF upside
-49%
+160%
10-yr DCF upside
-28%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
Model signals
FIS
Why this score
- Raising its dividend
TOST
Why this score
- Diluting shareholders
The companies
FISFidelity National Information Services, Inc.
Why now
Information Technology Services · market cap $23.1b. Down 44% from 52-week high of $79.32 — deep drawdown territory. Revenue growing +12%, comfortably above the S&P median. PEG 0.25 — paying under fair value for the growth rate. 22 sell-side analysts rate this a Buy with a mean 1-yr target of $56.55 (implying +26% upside).
Moat
Net margin 23% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. ROE 17% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. FCF converts 101% of net income — earnings translate cleanly into cash, a sign that working capital and capex are well-disciplined.
Risk
Down 44% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up.
TOSTToast, Inc.
Why now
Software - Infrastructure · market cap $19.0b. Down 34% from 52-week high of $49.66 — deep drawdown territory. Revenue growing +23%, comfortably above the S&P median. PEG 0.23 — paying under fair value for the growth rate. 26 sell-side analysts rate this a Buy with a mean 1-yr target of $34.73 (implying +6% upside).
Moat
ROE 21% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. FCF converts 159% of net income — earnings translate cleanly into cash, a sign that working capital and capex are well-disciplined. Software economics — recurring revenue, embedded customer workflows, and high gross margin all compound the moat once a base account is won. Switching costs are the lever.
Risk
Down 34% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up. Beta 1.73 implies above-market volatility — position-size to the drawdowns this name will produce in a market correction, not to its bull-case return. Trailing P/E 49x sits well above the S&P median (~20x) — multiple compression is a real risk if revenue growth decelerates.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.