Verdict: Side-by-side breakdown using the Bull Rankings model. FISV scored 54.6, TOST scored 71.7 — TOST leads.
Compare another set
FISV
Fiserv, Inc.
Payments & Fintech Software · Quality-Growth
54.6
$45.63 · $24.3B
fundamentals as of
Score gap
17.1
TOST leads
TOST
Toast, Inc.
Software - Infrastructure · Quality-Growth
71.7
$31.31 · $18.1B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
CheapestFISV8.8x
Fastest growthTOST+23.0%
Highest qualityFISV74 / 100
Largest discount to fair valueFISV-58%
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
The model, pillar by pillar (0–100 each)
FISV
stronger →← stronger
TOST
74
Qualityreturns · margins · balance sheet
72
39
Growthrevenue & earnings expansion
94
56
Valuevaluation vs sector peers
55
FISV is stronger on 2 of 3 pillars.
Fundamentals, head-to-head
FISV
TOST
$3.9bB
FCF
$576mC+
+3.6%C+
Rev
+23.0%A-
—
D/E
0.00A
8.8xA
P/E
39.6xC+
—
PEG
0.23A
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
Valuation · DCF cross-check
FISV
TOST
58% below
Price vs fair valuelower is cheaper
117% above
~-17%/yr
Growth the price impliesyr-1 FCF growth, fading to 4% · lower = less priced in
~37%/yr
+139%
1-yr DCF upside
-64%
+139%
5-yr DCF upside
-54%
+138%
10-yr DCF upside
-35%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
Model signals
FISV
Why this score
Buying back stock
TOST
Why this score
Diluting shareholders
The companies
FISVFiserv, Inc.
Payments & Fintech Software · $45.63
Why now
Sector n/a · market cap $24.3b. Down 65% from 52-week high of $128.78 — deep drawdown territory. 25 sell-side analysts rate this a Hold with a mean 1-yr target of $59.04 (implying +29% upside).
Moat
Net margin 13% beats the market median by a meaningful margin — the company is keeping more of every revenue dollar than the average S&P constituent. ROE 10% meets the long-run market sustainable threshold — solid but not differentiated; the durability comes from elsewhere. FCF converts 140% of net income — earnings translate cleanly into cash.
Risk
Down 65% 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.
Software - Infrastructure · $31.31 · beta 1.74
Why now
Software - Infrastructure · market cap $18.1b. Down 21% from 52-week high of $39.73 — 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 $38.92 (implying +24% upside).
Moat
ROE 24% is above 15% — the equity base is compounding at a rate the market struggles to discount accurately. FCF converts 119% of net income — earnings translate cleanly into cash. 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
Beta 1.74 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 40x sits well above the S&P median (~20x) — multiple compression is a real risk if revenue growth decelerates. Software — competitive moat is durable until it isn't; watch net revenue retention, gross margin trends, and any new market entrant with a fundamentally lower price point.
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.
Where FISV and TOST diverge
On the headline score the gap is 17.1 points in favor of TOST. The widest single difference is Growth, where TOST leads by 55.2 points.
GrowthFISV 39.1 · TOST 94.3TOST +55.2
QualityFISV 73.8 · TOST 71.7level
ValueFISV 56.2 · TOST 54.5level
Pillars run 0–100. Value is judged against each company's own sector, so a Value score is a statement about a company relative to its own industry rather than to the other name here. A wide Value gap usually means the market already prices the difference in quality or growth — which is the trade-off this comparison comes down to.
Common questions
Is TOST or FISV the better stock?
TOST scores higher: TOST 71.7, FISV 54.6 out of 100 on the Bull Rankings quality-growth score, which blends business quality, growth and valuation into one number. A higher score means a stronger business at a more reasonable price — it is not a price target or a recommendation.
Where do TOST and FISV differ most?
The widest gap is growth, where TOST leads by 55 points on the 0–100 pillar scale. The other two pillars are close enough to call level, so this is the one place they genuinely separate.
How are TOST and FISV scored?
Each carries the same 0–100 quality-growth score used everywhere on the site, built from three pillars — quality (profitability and returns on capital), growth (revenue and earnings), and value (what you pay for them) — combined as a geometric mean, so a weak pillar cannot be papered over by a strong one.
How current is this comparison?
The whole universe is re-scored every trading day after the US market close, so the scores and fundamentals here reflect the latest published edition.