TOST is trading at $24.71 (-5.47%) in pre-market after Q4 earnings missed expectations, extending a 6-8% slide from the previous session. - Revenue of $1.63B beat estimates, but EPS of $0.16-$0.17 missed the $0.24 consensus as fintech profit metrics underwhelmed. - Management announced a $500M buyback expansion and 2026 EBITDA guidance of $775M-$795M, though the stock remains down 26% YTD. - Retail sentiment remains cautious due to heavy AI investment costs and concerns that the stock is overvalued despite the recent pullback.