Toast’s (TOST) increased resilience adds risk late in the cycle while looming student loan payments offer potential headwinds, according to a Mizuho analyst. Mizuho downgraded Toast (TOST) to neutral from buy and lowered its price target to $16 from $30. Mizuho sees TOST’s gross payment volume per location slowing faster than restaurant inflation. George Tsilis discusses TOST as the stock is up nearly 10% year-over-year but is down over 30% from its 52-week high. Tune in to find out more about the stock market today.