TOST vs. RELY
TOST (Toast, Inc.) and RELY (Remitly Global, Inc.) are both stocks. Both operate in the Software - Infrastructure industry within the Technology sector. Over the past 3 years, TOST returned 3.31%/yr vs -1.32%/yr for RELY. At a 0.45 correlation, their price movements are largely independent.
Performance
TOST vs. RELY - Performance Comparison
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Returns By Period
In the year-to-date period, TOST achieves a -32.13% return, which is significantly lower than RELY's 33.70% return.
TOST
- 1D
- -2.19%
- 1M
- -3.79%
- YTD
- -32.13%
- 6M
- -30.27%
- 1Y
- -45.24%
- 3Y*
- 3.31%
- 5Y*
- —
- 10Y*
- —
RELY
- 1D
- -1.70%
- 1M
- -23.22%
- YTD
- 33.70%
- 6M
- 36.57%
- 1Y
- -14.35%
- 3Y*
- -1.32%
- 5Y*
- —
- 10Y*
- —
TOST vs. RELY - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
TOST Toast, Inc. | -32.13% | -2.58% | 99.62% | 1.28% | -48.06% | -41.17% |
RELY Remitly Global, Inc. | 33.70% | -38.86% | 16.22% | 69.61% | -44.47% | -57.44% |
Correlation
The correlation between TOST and RELY is 0.36, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.36 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.35 |
Correlation (All Time) Calculated using the full available price history since Sep 24, 2021 | 0.45 |
The correlation between TOST and RELY shifts across timeframes, from 0.35 (3 years) to 0.45 (all time), reflecting how their relationship changes across market environments.
Fundamentals
TOST:
$14.51B
RELY:
$4.00B
TOST:
$0.68
RELY:
$0.49
TOST:
35.43
RELY:
37.94
TOST:
0.02
RELY:
0.20
TOST:
2.26
RELY:
2.32
TOST:
7.29
RELY:
4.41
TOST:
$6.45B
RELY:
$1.73B
TOST:
$1.69B
RELY:
$753.03M
TOST:
$430.00M
RELY:
$142.85M
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Return for Risk
TOST vs. RELY — Risk / Return Rank
TOST
RELY
TOST vs. RELY - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Toast, Inc. (TOST) and Remitly Global, Inc. (RELY). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| TOST | RELY | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.73 | ||
| Sortino ratioReturn per unit of downside risk | -1.39 | ||
| Omega ratioGain probability vs. loss probability | 0.83 | 1.00 | -0.17 |
| Calmar ratioReturn relative to maximum drawdown | -0.83 | -0.35 | -0.48 |
| Martin ratioReturn relative to average drawdown | -1.41 | -0.63 | -0.79 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| TOST | RELY | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | -0.99 | -0.26 | -0.73 |
Sharpe Ratio (All Time)Calculated using the full available price history | -0.30 | -0.32 | +0.02 |
Drawdowns
TOST vs. RELY - Drawdown Comparison
The maximum TOST drawdown since its inception was -80.56%, smaller than the maximum RELY drawdown of -85.80%. Use the drawdown chart below to compare losses from any high point for TOST and RELY.
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Drawdown Indicators
| TOST | RELY | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -80.56% | -85.80% | +5.24% |
Max Drawdown (1Y)Largest decline over 1 year | -54.71% | -40.89% | -13.82% |
Max Drawdown (3Y)Largest decline over 3 years | -54.71% | -57.92% | +3.21% |
Current DrawdownCurrent decline from peak | -63.05% | -61.92% | -1.13% |
Average DrawdownAverage peak-to-trough decline | -57.92% | -64.50% | +6.58% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 32.05% | 25.50% | +6.55% |
Volatility
TOST vs. RELY - Volatility Comparison
Toast, Inc. (TOST) has a higher volatility of 21.74% compared to Remitly Global, Inc. (RELY) at 13.97%. This indicates that TOST's price experiences larger fluctuations and is considered to be riskier than RELY based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TOST | RELY | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 21.74% | 13.97% | +7.77% |
Volatility (6M)Calculated over the trailing 6-month period | 36.52% | 38.48% | -1.96% |
Volatility (1Y)Calculated over the trailing 1-year period | 45.95% | 55.84% | -9.89% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 61.31% | 59.08% | +2.23% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 61.31% | 59.08% | +2.23% |
Dividends
TOST vs. RELY - Dividend Comparison
Neither TOST nor RELY has paid dividends to shareholders.
Financials
TOST vs. RELY - Financials Comparison
This section allows you to compare key financial metrics between Toast, Inc. and Remitly Global, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
TOST vs. RELY - Profitability Comparison
TOST - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Toast, Inc. reported a gross profit of 447.00M and revenue of 1.63B. Therefore, the gross margin over that period was 27.4%.
RELY - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Remitly Global, Inc. reported a gross profit of 0.00 and revenue of 452.80M. Therefore, the gross margin over that period was 0.0%.
TOST - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Toast, Inc. reported an operating income of 110.00M and revenue of 1.63B, resulting in an operating margin of 6.8%.
RELY - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Remitly Global, Inc. reported an operating income of 53.74M and revenue of 452.80M, resulting in an operating margin of 11.9%.
TOST - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Toast, Inc. reported a net income of 126.00M and revenue of 1.63B, resulting in a net margin of 7.7%.
RELY - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Remitly Global, Inc. reported a net income of 49.05M and revenue of 452.80M, resulting in a net margin of 10.8%.
Frequently Asked Questions
TOST and RELY have a correlation of 0.36, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
TOST has higher volatility (21.74%) compared to RELY (13.97%). In terms of maximum drawdown, TOST dropped -80.56% vs RELY's -85.80%.
RELY currently has the higher Sharpe Ratio (-0.26 vs -0.99), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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