ToastGuidewire

Toast vs Guidewire

Toast and Guidewire are compared here across business models, financial performance, and market context to help readers understand how each organisation operates within the sector. The page presents n...

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Europe's Food Delivery Shake-Up

Europe's Food Delivery Shake-Up

The likely EU approval of Prosus's €4.1 billion acquisition of Just Eat Takeaway.com is set to create a dominant force in Europe's food delivery market. This major consolidation creates an investment opportunity focused on companies benefiting from the industry's shifting competitive landscape and increased focus on technological efficiency.

Published: August 3, 2025

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Europe's Food Delivery Consolidation

Europe's Food Delivery Consolidation

Prosus's major acquisition of Just Eat Takeaway is set to reshape the European food delivery landscape, pending regulatory approval. This consolidation creates opportunities for other companies in the digital food ecosystem, including technology providers and logistics firms that can support these growing giants.

Published: August 2, 2025

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Riding The New Tech IPO Wave

Riding The New Tech IPO Wave

Figma's blockbuster IPO has shattered a multi-year drought in major tech listings, signaling renewed investor appetite for high-growth software companies. This event may trigger a wave of public offerings from other venture-backed "unicorns," creating opportunities across the tech ecosystem.

Published: August 1, 2025

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Investment Analysis

Toast

Toast

TOST

Pros

  • Toast has a strong analyst consensus with a majority rating it as a 'Buy', indicating expected outperformance over the next 12 months.
  • The company shows significant long-term growth potential, with forecasts suggesting a substantial price increase by 2035 and beyond.
  • Toast operates with a large employee base of over 5,700, supporting its sizeable operations and growth capabilities.

Considerations

  • Short-term forecasts indicate potential stock price declines of over 30% by the end of 2025, suggesting near-term volatility and risk.
  • The stock currently trades at a high price-to-earnings ratio around 89.5, implying elevated valuation which may limit upside without strong earnings growth.
  • Recent technical indicators and price volatility show a medium risk environment with mixed short-term sentiment, reflecting uncertainty among investors.
Guidewire

Pros

  • Guidewire Software maintains a strong market position in the property and casualty insurance software sector, benefiting from industry demand.
  • The company has demonstrated robust revenue growth driven by digital transformation trends in insurance underwriting and claims management.
  • Guidewire's recurring revenue model and enterprise customer base provide stable cash flow and reduced revenue cyclicality.

Considerations

  • Guidewire faces competitive pressure from emerging insurtech firms and larger software providers expanding into insurance technology.
  • Its reliance on large enterprise clients exposes it to potential concentration risks and lengthy sales cycles which may impact near-term growth.
  • Exposure to macroeconomic fluctuations and insurance industry regulatory changes could affect demand for its software solutions.

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