WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Toast Inc generates 23% more annual revenue ($6.45B vs $5.22B). PLTR leads profitability with a 43.7% profit margin vs 6.4%. 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: 10.0Profit: 9.5Value: 2.7Quality: 9.0
Piotroski: 5/9Altman Z: 4.62

TOST

Strong Buy

67

out of 100

Grade: B-

Growth: 9.3Profit: 6.5Value: 6.0Quality: 8.5
Piotroski: 4/9Altman Z: 3.61
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

PLTRSignificantly Overvalued (-78.1%)

Margin of Safety

-78.1%

Fair Value

$76.08

Current Price

$141.70

$65.62 premium

UndervaluedFair: $76.08Overvalued
TOSTOvervalued (-8.6%)

Margin of Safety

-8.6%

Fair Value

$25.81

Current Price

$24.64

$1.17 premium

UndervaluedFair: $25.81Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PLTR6 strengths · Avg: 10.0/10
Market CapQuality
$364.80B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
43.7%10/10

Keeps 44 of every $100 in revenue as profit

Operating MarginProfitability
46.2%10/10

Strong operational efficiency at 46.2%

Revenue GrowthGrowth
84.7%10/10

Revenue surging 84.7% year-over-year

EPS GrowthGrowth
325.0%10/10

Earnings expanding 325.0% YoY

Debt/EquityHealth
0.0310/10

Conservative balance sheet, low leverage

TOST6 strengths · Avg: 9.5/10
PEG RatioValuation
0.2410/10

Growing faster than its price suggests

EPS GrowthGrowth
123.0%10/10

Earnings expanding 123.0% YoY

Debt/EquityHealth
0.0110/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
3.6110/10

Safe zone — low bankruptcy risk

Return on EquityProfitability
20.7%9/10

Every $100 of equity generates 21 in profit

Revenue GrowthGrowth
21.9%8/10

Revenue surging 21.9% year-over-year

Areas to Watch

PLTR3 concerns · Avg: 2.7/10
PEG RatioValuation
2.304/10

Expensive relative to growth rate

P/E RatioValuation
172.9x2/10

Premium valuation, high expectations priced in

Price/BookValuation
40.1x2/10

Trading at 40.1x book value

TOST2 concerns · Avg: 3.5/10
P/E RatioValuation
37.0x4/10

Premium valuation, high expectations priced in

Profit MarginProfitability
6.4%3/10

6.4% margin — thin

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 43.7% and operating margin at 46.2%. Revenue growth of 84.7% demonstrates continued momentum.

Bull Case : TOST

The strongest argument for TOST centers on PEG Ratio, EPS Growth, Debt/Equity. Revenue growth of 21.9% 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 172.9x leaves little room for execution misses.

Bear Case : TOST

The primary concerns for TOST are P/E Ratio, Profit Margin.

Key Dynamics to Monitor

TOST carries more volatility with a beta of 1.76 — expect wider price swings.

PLTR is growing revenue faster at 84.7% — sustainability is the question.

PLTR generates stronger free cash flow (892M), providing more financial flexibility.

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

Bottom Line

PLTR scores higher overall (73/100 vs 67/100), backed by strong 43.7% margins and 84.7% 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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