Halyk Finance Trading Idea: Toast Inc.

Toast Inc. – an American technology company and developer of a cloud platform for restaurants. The platform combines a POS system, card payment acceptance, software for managing menus, staff, procurement, online orders, and marketing, as well as financial products for restaurants and their employees.

Growth drivers:

•  Horizon 1: core at the 60-rule level
• Horizon 2: scaling new markets
• Toast Capital: loans exclusively for payment service customers
• Entry into customers' operating expenses
• Growth in monetization per location
• Market share and economies of scale
• Capital discipline and share buybacks
• Normalization of hardware margins
• Intellectual property
• Agent ordering channels