COMPARE · Data as of August 21, 2026
FIS vs TOST
Verdict: Side-by-side breakdown using the Bull Rankings model. FIS scored 72.5, TOST scored 76.3 — TOST leads.
Compare another set
FIS
Fidelity National Information Services, Inc.
72.5
$41.34 · $21.3B
fundamentals as of
Score gap
3.8
TOST leads
TOST
Toast, Inc.
76.3
$36.64 · $21.2B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestFIS6.4x
- Fastest growthTOST+23.0%
- Highest qualityFIS69 / 100
- Largest discount to fair valueFIS-61%
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)
FIS
stronger →← stronger
TOST
69
Qualityreturns · margins · balance sheet
68
59
Growthrevenue & earnings expansion
91
94
Valuevaluation vs sector peers
72
FIS is stronger on 2 of 3 pillars.
Fundamentals, head-to-head
FIS
TOST
$2.8bB
FCF
$576mC+
+18.3%B+
Rev
+23.0%A-
1.33C
D/E
—
6.4xA
P/E
46.4xC+
0.23A
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
FIS
TOST
61% below
Price vs fair valuelower is cheaper
150% above
~-16%/yr
Growth the price implies10-yr FCF · lower = less priced in
~41%/yr
+140%
1-yr DCF upside
-69%
+157%
5-yr DCF upside
-60%
+184%
10-yr DCF upside
-43%
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 $21.3b. Down 42% from 52-week high of $71.67 — deep drawdown territory. Revenue growing +18%, comfortably above the S&P median. PEG 0.23 — paying under fair value for the growth rate. 23 sell-side analysts rate this a Buy with a mean 1-yr target of $51.04 (implying +23% upside).
Moat
Net margin 28% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. ROE 21% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately.
Risk
Down 42% 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 $21.2b. 20% off the 52-week high of $45.64. 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 $38.62 (implying +5% upside).
Moat
ROE 24% sits above Buffett's preferred 15% threshold — 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, 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
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 46x 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 FIS and TOST diverge
On the headline score the gap is 3.8 points in favor of TOST. They get there differently, though — each leads on a different pillar, so the better pick depends on which you weight.
- GrowthFIS 59.0 · TOST 91.1TOST +32.1
- ValueFIS 93.8 · TOST 72.1FIS +21.7
- QualityFIS 68.9 · TOST 67.7level
Pillars run 0–100 against sector peers, so a 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.