Truist Lowered Toast (TOST) PT as Part of a Broad FinTech Sector Preview Ahead of Q4 2025 Earnings

Maham Fatima

Sat, February 14, 2026 at 3:29 PM GMT+9 1 min read

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TOST

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Toast Inc. (NYSE:TOST) is one of the most promising low-cost stocks to buy now. On January 20, Truist lowered the price target on Toast to $42 from $43 while keeping a Buy rating. This sentiment was posted as part of the firm’s broader FinTech sector preview for Q4 2025 earnings.

While the firm anticipates solid quarterly results, it noted that a difficult year-over-year comparison could limit volume-driven beats. Looking ahead to 2026, Truist remains optimistic about the sector’s recovery but suggested that some management teams might provide conservative initial guidance to reset market expectations.

On the same day, Evercore ISI upgraded Toast Inc. (NYSE:TOST) to Outperform from In Line with a $40 price target. It noted that the stock’s valuation now discounts slower near-term US additions following a 44% decline in its EV/EBITDA multiple since August. While the firm anticipates 2026 will be a transition year, it maintains a positive long-term thesis supported by field checks that confirm the company’s strong competitive position and inherent operating leverage.

Truist Lowered Toast (TOST) PT as Part of a Broad FinTech Sector Preview Ahead of Q4 2025 Earnings

Photo by Clem Onojeghuo on Unsplash

Toast Inc. (NYSE:TOST) operates a cloud-based digital technology platform for the restaurant industry in the US, Ireland, India, and internationally.

While we acknowledge the potential of TOST as an investment, we believe certain AI stocks offer greater upside potential and carry less downside risk. If you’re looking for an extremely undervalued AI stock that also stands to benefit significantly from Trump-era tariffs and the onshoring trend, see our free report on the best short-term AI stock.

READ NEXT: 30 Stocks That Should Double in 3 Years and 11 Hidden AI Stocks to Buy Right Now**.**

Disclosure: None. This article is originally published at Insider Monkey.

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