TOST
Toast, Inc.
stock NYSE

TOST seems like one of the firms that is unloading tons of AI related products on top of their offerings. Big winner of this cycle imo.

>BOSTON-- Toast (NYSE: TOST), the global technology platform built for restaurant and retail businesses, today announced an expanded integration with Google that brings agentic food ordering to Ask Maps, a conversational AI feature within Google Maps. When a diner asks—by voice or text—for a restaurant recommendation or specific food request, Ask Maps can now put a Toast restaurant's menu directly in front of them and carry that request all the way through to a completed order.
[Press Release](https://investors.toasttab.com/news/news-details/2026/Arriving-Now-AI-Powered-Toast-Ordering-on-Google-Maps/default.aspx)

$TOST
Toast (TOST) Q2 CY2026 Highlights:
Revenue: $1.91 billion vs analyst estimates of $1.87 billion (23.1% year-on-year growth, 1.8% beat)
EPS (GAAP): $0.26 vs analyst estimates of $0.20 (28.2% beat)
Adjusted EBITDA: $221 million vs analyst estimates of $195.1 million (11.6% margin, 13.3% beat)
EBITDA guidance for the full year is $815 million at the midpoint, above analyst estimates of $807.9 million
Operating Margin: 8%, up from 5.2% in the same quarter last year
Free Cash Flow Margin: 6.8%, similar to the previous quarter
Annual Recurring Revenue: $2.4 billion vs analyst estimates of $2.4 billion (24.5% year-on-year growth, in line)
Billings: $1.91 billion at quarter end, up 23.3% year on year
Good quarter overall. I'm not sure how tariff refunds were calculated in their prior forecast (if at all), but it seems like their bottom line full year guide is revised up due to the tariff refund. I'm in because of the long term tailwinds on the shift from on prem to cloud native commercial tooling, which the market has no idea how to price for Toast.

TOST

My current portfolio consists of the following 20 companies:
GOOG, IOT, TOST, LIN, WM, AME, CTAS, COST, APH, UBER, UNH, SHL, DHR, SYK, ROL, MA, HIMS, NOW, ZETA, MSCI
At first glance, this might look like a random assortment of stocks, but it was actually built around a very deliberate strategy. I firmly believe that consistently beating the market requires two main pillars: high conviction in a concentrated portfolio and extreme patience. To execute this, it is critical to pick exceptional businesses capable of sustaining long-term growth while maintaining strong structural diversification. To find these companies, I don't just plug metrics like "ROIC >= 15%" into a stock screener. I focus heavily on qualitative factors that cannot be captured by data or automated by algorithms, which is why I believe most "Quality Factor" ETFs are packed with mediocre businesses. Valuation certainly matters to me, but not in the traditional "deep value" sense. I don't sit around waiting for a market crash to buy, instead, I dynamically size my positions based on entry prices. Furthermore, financial statements don't capture a company's true qualitative moat, so relying solely on mathematical formulas to calculate intrinsic value is, in my view, a mistake. While there are still a few minor adjustments I plan to make, I am confident that this portfolio, even as it stands, has what it takes to outperform the market over the long haul.
Am I deluding myself? What adjustments would you make, and which other companies should I explore?

# Today is Tuesday, the 4th of August
## Upcoming events for Tuesday, August 4th
- Stock splits:
- AEMD @ **1:5**
- Expected earnings:
ACAD, ACEL, ACIU, ACNT, ACRE, ADM, AFG, AGNT, AHCO, AIN, AISP, AIZ, ALAB, ALGT, ALIT, AMBO, AMD, AME, AMGN, AMWL, ANET, ANGI, ANGX, ANY, AOMR, APO, APPS, APTV, AQB, ARDT, ARI, AROC, ARVN, ARWR, ASST, ATEC, ATKR, ATOM, AUDC, AZTA, BALL, BBBY, BBIO, BEAM, BIO, BIO.B, BKNG, BL, BMEA, BNTX, BOLD, BOW, BP, BR, BRBR, BRKR, BRSL, BV, BXC, BXDC, BZFD, CACC, CALY, CAT, CBC, CC, CCEP, CCO, CE, CERT, CHCT, CHT, CIFR, CIX, CLDT, CMI, CMT, COGT, COMP, CPIX, CPNG, CRBG, CRBP, CRCT, CRDF, CRIS, CRNX, CTRI, CXDO, CYCN, DBRG, DD, DEI, DEO, DMRA, DOC, DOCN, DRCT, DUK, DVA, DVN, EA, ECG, ECO, EGHT, EHTH, ELME, EMBJ, EMR, ENIC, ENLT, ENR, ENTG, EOG, EQH, ET, EVTC, EXPD, FBIN, FHTX, FIS, FLYW, FMS, FOA, FRPH, FRSH, FTEK, FTH, FTK, FULC, FWRG, GBTG, GGB, GIC, GILD, GLAD, GOSS, GPK, GPRK, GSM, GTE, GWW, GXO, HCKT, HL, HLNE, HNGE, HQ, HRMY, HRZN, HSIC, HUT, HVT, HVT.A, HY, IBRX, IDXX, IDYA, IE, IFF, IGIC, IMNN, INDV, INFU, INGR, INTA, IOSP, IPAR, IPGP, IPI, IQMX, IT, J, JAN, JBGS, KAI, KIDS, KIM, KMB, KNF, KODK, KPLT, LCID, LDI, LDOS, LGIH, LIME, LMAT, LMB, LPCN, LRN, LSCC, LTM, LUMN, MAC, MAT, MBC, MCD, MCY, MD, MEC, METC, METCB, MLAB, MLTX, MNTN, MOS, MPC, MPLX, MQ, MRK, MRP, MTCH, NAGE, NAKA, NCMI, NGL, NPO, NRG, NVCT, NVGS, NXDR, NXE, NXRT, OCUL, OGS, OLP, OPEN, OPLN, OR, OSPN, OZ, PACS, PAM, PARR, PCRX, PCTY, PEG, PFE, PGEN, PINS, PLMR, PLUS, PNW, PRCT, PRIM, PRKS, PRU, PSKY, PSNL, PSTL, PVLA, PW, Q, QLYS, RARE, RBA, RIGL, ROK, RRR, RSVR, RVLV, RVTY, RYAM, RYTM, SACH, SEAT, SEB, SGC, SGHC, SHLS, SKT, SKWD, SKY, SLAB, SLDP, SLRC, SMP, SNDX, SOPH, SPCX, SPOT, SQNS, SRTA, SSRM, STKS, STVN, SU, SUJA, SUN, SUNC, SUPN, SWIM, SYRE, SYY, TALK, TALO, TBI, TDC, TDG, THRY, TKR, TMDX, TNGX, TOST, TPB, TPG, TREX, TRNS, TRVG, TSEM, TSLX, TVTX, TX, TXO, TYGO, ULS, UONE, UONEK, UP, UPST, URG, USAC, USAU, USNA, VATE, VERA, VGNT, VOYA, VSAT, VTOL, W, WAT, WATT, WEYS, WHLR, WIX, WK, WLFC, WLK, WLKP, WOLF, WTRG, WTTR, WYNN, XGN, XMTR, ZBRA, ZETA
- Ex-div:
AMAL, BANR, BITA, CCEC, CIVB, FCCO, FIBK, HYPG, IBCP, MNSB, ORRF, SATA, SRCE, TSPY
- Economic events and announcements:
- 3-Month Bill Auction (actual: 3.750%, previous: 3.815%)
- 6-Month Bill Auction (actual: 3.855%, previous: 3.945%)
- Atlanta Fed GDPNow (actual: 6.2%, consensus: 5.0%, previous: 5.0%)
- Construction Spending (actual: -0.1%, consensus: 0.2%, previous: 0.0%)
- ISM Manufacturing Employment (actual: 52.8, consensus: 50.0, previous: 49.7)
- ISM Manufacturing New Orders Index (actual: 56.7, consensus: 56.7, previous: 56.0)
- ISM Manufacturing PMI (actual: 55.6, consensus: 54.0, previous: 53.3)
- ISM Manufacturing Prices (actual: 71.1, consensus: 70.0, previous: 73.0)
- Loan Officer Survey
- S&P Global Manufacturing PMI (actual: 53.9, consensus: 53.8, previous: 53.9)
- Total Vehicle Sales (actual: 24.10M, consensus: 16.30M, previous: 16.50M)
## Upcoming events for Wednesday, August 5th
- Expected earnings:
AACG, AAUC, ABCL, ABUS, ACA, ACB, ACIC, ACT, ACTG, ADMA, ADNT, ADV, AEVA, AGBK, AGL, AHT, AIRG, AKA, AKBA, ALB, ALL, ALNT, ALTO, AMPL, AMPX, AMPY, AMSC, ANAB, APA, APLE, APP, ARQT, ARRY, ARTV, ASMB, ASTE, ASYS, ATEN, ATNI, ATO, AUGO, AUST, AVT, AWR, AXON, BAM, BATRA, BATRK, BBD, BBDC, BBDO, BBSI, BCO, BCRX, BDSX, BGSF, BHR, BIOA, BKH, BLBD, BLLN, BLMN, BMBL, BROS, BTMD, BVS, BWA, BYND, CACI, CAI, CAPL, CARL, CCU, CDE, CDLX, CDRE, CDW, CENT, CENTA, CF, CG, CGNX, CHH, CHRD, CHRS, CHYM, CIM, CLFD, CLOV, CMP, CMPS, CNTX, COKE, COOK, COR, CPA, CPAY, CPRI, CPS, CPSH, CRCL, CRL, CRTO, CRUS, CRVL, CSTE, CSV, CTKB, CVS, CW, CWEN, CWK, CXT, CXW, CYN, DASH, DAVE, DEC, DGII, DHT, DHX, DIBS, DIN, DIOD, DIS, DK, DKL, DLX, DNA, DOX, DT, DUOL, DXPE, EBAY, EBS, ECPG, ECVT, EE, EHC, ELA, ELAN, ELF, ELPC, EOLS, EOSE, EPC, ERII, ERO, ETSY, EVCM, EVEX, EVGO, EXEL, EXPE, EXTR, EYPT, EZPW, FG, FIG, FIP, FLNC, FLUT, FNF, FRPT, FSLY, FSM, FTCI, FUBO, FWRD, GBLI, GDRX, GENK, GERN, GFF, GFR, GFS, GILT, GLXY, GNK, GNL, GNW, GOOD, GPCR, GPMT, GPN, GRAL, GROY, GSL, GT, GTM, HBB, HCC, HDSN, HGTY, HHH, HLF, HLLY, HLX, HMC, HMH, HMN, HNNA, HNST, HONA, HP, HPP, HRTG, HSBC, HST, HUBS, ICL, IEP, III, IMNM, INMD, INN, INSE, INSG, INTR, INVA, INVZ, IONQ, IRM, ITIC, JJSF, JOBY, KD, KHC, KLIC, KLTR, KLXE, KMPR, KMT, KNTK, KRMD, KRO, KROS, KVYO, KYMR, LAB, LAW, LB, LCII, LENZ, LESL, LEU, LFCR, LFMD, LILA, LILAK, LINE, LIVN, LLY, LPG, LPX, LSF, LTBR, LTC, LZ, MATV, MCK, MCRB, MDLN, MELI, MET, MFA, MFC, MGEE, MGNI, MGY, MIAX, MIRM, MKSI, MLR, MNKD, MNTK, MRAM, MSI, MTDR, MTRN, MUR, MUSA, MUX, MWA, MYO, NAMS, NATL, NC, NEXA, NHP, NI, NICE, NINE, NL, NLOP, NMRA, NNBR, NNN, NOVT, NRP, NSLR, NTR, NVO, NVST, NWN, NWS, NWSA, NXL, NYT, NYXH, O, OBDC, OC, OCSL, OEC, OESX, OFIX, OFLX, OGC, ONC, ONT, OPI, OPRT, ORA, OSS, OSUR, OTF, OUT, OXY, PACB, PAYC, PAYS, PCVX, PFX, PKOH, PNTG, PODD, POWI, PPBT, PR, PRGO, PRI, PRMB, PRSU, PSBD, PSX, PTGX, PTLO, PTRN, PULM, QGEN, QNTM, QTTB, RAMP, RAND, RCMT, RCUS, RDN, RDW, REI, RELY, REPX, RGLD, RIG, RIOT, RMR, ROCK, ROOT, RPC, RPRX, RRX, RUN, RVMD, RXRX, RXST, RYDE, RYN, SAFT, SATL, SBGI, SBLK, SD, SDGR, SEDG, SEER, SEG, SEI, SGHT, SGU, SHAK, SHOP, SII, SITM, SKM, SM, SMA, SMR, SMRT, SMSI, SN, SNDK, SNES, SNEX, SOBO, SOLV, SOUN, SR, SRI, SRPT, SST, STAA, STE, SVC, SVCC, SWX, SYM, TACT, TARS, TASK, TATT, TBLA, TDUP, TECH, TFPM, TGB, TKNO, TLN, TNC, TNYA, TPC, TPL, TPVG, TRDA, TRI, TRIN, TRMB, TRNO, TROX, TRUP, TS, TTMI, TWFG, UBER, UGI, UHAL, UHAL.B, UMH, UPB, URGN, USPH, UTHR, UTI, UUUU, UVV, VAL, VCTR, VECO, VEL, VIAV, VIR, VNDA, VPG, VRDN, VRRM, VSEC, VSH, VVV, VYGR, VYX, WBI, WDC, WES, WMK, WTI, WTS, WULF, WW, XNCR, XNDU, XPEL, XPER, XPL, XRN, XYZ, YOU, Z, ZBH, ZG, ZIP, ZNTL, ZVIA, ZVRA
- Ex-div:
BPRN, HBANZ, HFWA, JMSB, NBBK, ONBPO, ONBPP, SATA, UVSP, WTBA
- Economic events and announcements:
- 52-Week Bill Auction (previous: 3.860%)
- API Weekly Crude Oil Stock (consensus: -2.000M, previous: 3.296M)
- Atlanta Fed GDPNow (consensus: 6.2%, previous: 6.2%)
- Durables Excluding Defense (consensus: 0.3%, previous: 0.3%)
- Durables Excluding Transport (previous: 0.6%)
- Exports (previous: 317.70B)
- Factory Orders (consensus: 0.2%, previous: -1.3%)
- Factory orders ex transportation (previous: 1.9%)
- IBD/TIPP Economic Optimism (consensus: 47.5, previous: 45.5)
- Imports (previous: 395.30B)
- JOLTS Job Openings (consensus: 7.440M, previous: 7.594M)
- Redbook (previous: 8.3%)
- Trade Balance (consensus: -73.00B, previous: -77.60B)
^^^^2026-08-04