# Toast, Inc. (TOST) vs State Street SPDR S&P 500 ETF Trust (SPY) · total-return overlay

LOPJLB holding-return compare (5Y). Dividends and splits. Each path starts at 0% from the first adjusted close in the window.

Toast, Inc. (TOST) vs State Street SPDR S&P 500 ETF Trust (SPY) total return over 5Y: TOST -40.56%, SPY +90.43%. Regime TOST RECOVERY · SPY BULL. As of Oct 8, 2026. Research only.

- Interactive: https://www.lopjlb.com/vs/TOST/SPY
- API: `GET /bff/api/bigfive/compare-series?symbols=TOST%2CSPY&range=5y`

## Window

| Symbol | Window % | Worst drawdown | YTD |
|---|---:|---:|---:|
| TOST | -40.56% | -80.56% | -10.26% |
| SPY | +90.43% | -24.49% | +14.17% |

## Periods (calendar lookback)

| Symbol | 1Y | 2Y | 3Y | 5Y |
|---|---:|---:|---:|---:|
| TOST | -16.81% | +6.01% | +77.40% | -40.56% |
| SPY | +16.22% | +38.14% | +85.65% | +90.43% |

## Annual

| Year | TOST | SPY |
|---|---:|---:|
| YTD | -10.26% | +14.17% |
| 2025 | -2.39% | +18.01% |
| 2024 | +101.83% | +25.59% |
| 2023 | +4.05% | +26.73% |
| 2022 | -45.41% | -18.64% |
| 2021 | -32.42% | +9.65% |

---

Research context only. Not personalized investment advice.