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Analysts Turn Bullish on Toast (TOST)

Toast, Inc. (NYSE:TOST) is one of the 14 Most Promising Fintech Stocks to Invest In. On December 4, UBS reiterated its Buy rating on Toast, Inc. (NYSE:TOST) with a price target of $50.

On December 4, JPMorgan also upgraded its rating on Toast, Inc. (NYSE:TOST) to Overweight. JPMorgan believes 2026 will mark a fresh start for payments and fintech stocks. The firm noted that 2025 was the sector’s worst year in 15 years, aside from the COVID surprise. JPMorgan pointed out that slow growth and worries of “commoditization and uncertain ROI” hurt sentiment in 2025 and that it is “happy to flush 2025.”

The research firm says that it is “going back to basics” for 2026 with a focus on companies with pricing power, solid margins, and strong front-book momentum. JPMorgan analyst Tien-tsin Huang noted that Toast, Inc. (NYSE:TOST) is one of the names that scores best under this framework. The firm said it has “been eagerly waiting for the right time to take a seat at the Toast table.” JPMorgan highlighted the stock’s year-to-date decline, even as estimates rose 27%.

JPmorgan expects Toast, Inc. (NYSE:TOST) to sustain “top decile growth” as a leader in software-led payments. The firm pointed to its rule of 54% for 2026.

Earlier on December 1, BNP Paribas Exane had also upgraded Toast, Inc. (NYSE:TOST) from Neutral to Outperform and kept the price target at $40.

Toast, Inc. (NYSE:TOST) is an American company that offers financial technology solutions and restaurant management software. It provides a cloud-based, all-in-one digital technology platform designed for the restaurant industry, offering software and financial technology solutions that help restaurants across point of sale, payments, operations, digital ordering and delivery, marketing and loyalty, and team management.

While we acknowledge the potential of TOST as an investment, our conviction lies in the belief that some AI stocks hold greater promise for delivering higher returns and have limited downside risk. If you are looking for an AI stock that is more promising than TOST and that has a 100x upside potential, check out our report about the cheapest AI stock.

READ NEXT: 15 Best Technology Penny Stocks to Buy and 15 Best Aggressive Growth Stocks to Buy Right Now.

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

The $250 Trillion AI Hype is Real. A few years from now, you’ll probably wish you’d bought this stock.

When Jeff Bezos said that one breakthrough technology would shape Amazon’s destiny, even Wall Street’s biggest analysts were caught off guard.

Fast forward a year and Amazon’s new CEO Andy Jassy described generative AI as a “once-in-a-lifetime” technology that is already being used across Amazon to reinvent customer experiences.

At the 8th Future Investment Initiative conference, Elon Musk predicted that by 2040 there would be at least 10 billion humanoid robots, with each priced between $20,000 and $25,000.

Do the math. According to Musk, this technology could be worth $250 trillion by 2040.

Put another way, that’s roughly equal to:

  • 175 Teslas
  • 107 Amazons
  • 140 Metas
  • 84 Googles
  • 65 Microsofts
  • And 55 Nvidias

And here’s the wild part — this $250 trillion wave isn’t tied to one company, but to an entire ecosystem of AI innovators set to reshape the global economy.

It’s a leap so massive, it could reshape how businesses, governments, and consumers operate worldwide.

Even if that $250 trillion figure sounds ambitious, major firms like PwC and McKinsey still see AI unlocking multi-trillion-dollar potential.

How could anything be worth that much?

The answer lies in a breakthrough so powerful it’s redefining how humanity works, learns, and creates.

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  • Bill Gates sees artificial intelligence as the “biggest technological advance in my lifetime,” more transformative than the internet or personal computer, capable of improving healthcare, education, and addressing climate change.
  • Larry Ellison — through Oracle, is spending billions on Nvidia chips and partnering with Cohere to embed generative AI across Oracle’s cloud and apps.
  • Warren Buffett — not known for tech hype — says this breakthrough could have a ‘hugely beneficial social impact.

When billionaires from Silicon Valley to Wall Street line up behind the same idea — you know it’s worth paying attention to.

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