SHIFT4 PAYMENTS INC-CLASS A (FOUR) Stock Fundamental Analysis

NYSE:FOUR • US82452J1097

57.47 USD
-1.02 (-1.74%)
At close: Feb 23, 2026
57.47 USD
0 (0%)
After Hours: 2/23/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

FOUR gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 98 industry peers in the Financial Services industry. There are concerns on the financial health of FOUR while its profitability can be described as average. An interesting combination arises when we look at growth and value: FOUR is growing strongly while it also seems undervalued.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year FOUR was profitable.
  • FOUR had a positive operating cash flow in the past year.
  • The reported net income has been mixed in the past 5 years: FOUR reported negative net income in multiple years.
  • Each year in the past 5 years FOUR had a positive operating cash flow.
FOUR Yearly Net Income VS EBIT VS OCF VS FCFFOUR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M 400M 500M

1.2 Ratios

  • FOUR has a Return On Assets of 1.87%. This is comparable to the rest of the industry: FOUR outperforms 55.10% of its industry peers.
  • Looking at the Return On Equity, with a value of 10.06%, FOUR is in line with its industry, outperforming 59.18% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 4.95%, FOUR is in the better half of the industry, outperforming 66.33% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for FOUR is below the industry average of 8.40%.
Industry RankSector Rank
ROA 1.87%
ROE 10.06%
ROIC 4.95%
ROA(3y)3.33%
ROA(5y)1.36%
ROE(3y)21%
ROE(5y)8.17%
ROIC(3y)5.43%
ROIC(5y)N/A
FOUR Yearly ROA, ROE, ROICFOUR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 0 -100 -200 -300 -400

1.3 Margins

  • FOUR's Profit Margin of 4.33% is on the low side compared to the rest of the industry. FOUR is outperformed by 61.22% of its industry peers.
  • With a Operating Margin value of 11.37%, FOUR perfoms like the industry average, outperforming 47.96% of the companies in the same industry.
  • FOUR's Operating Margin has improved in the last couple of years.
  • FOUR has a Gross Margin (32.61%) which is in line with its industry peers.
  • In the last couple of years the Gross Margin of FOUR has grown nicely.
Industry RankSector Rank
OM 11.37%
PM (TTM) 4.33%
GM 32.61%
OM growth 3Y125.47%
OM growth 5Y42.69%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y12.8%
GM growth 5Y3.61%
FOUR Yearly Profit, Operating, Gross MarginsFOUR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 0 10 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so FOUR is destroying value.
  • The number of shares outstanding for FOUR has been increased compared to 1 year ago.
  • Compared to 5 years ago, FOUR has more shares outstanding
  • FOUR has a worse debt/assets ratio than last year.
FOUR Yearly Shares OutstandingFOUR Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
FOUR Yearly Total Debt VS Total AssetsFOUR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.2 Solvency

  • Based on the Altman-Z score of 1.07, we must say that FOUR is in the distress zone and has some risk of bankruptcy.
  • FOUR has a Altman-Z score of 1.07. This is in the better half of the industry: FOUR outperforms 63.27% of its industry peers.
  • The Debt to FCF ratio of FOUR is 13.67, which is on the high side as it means it would take FOUR, 13.67 years of fcf income to pay off all of its debts.
  • FOUR has a Debt to FCF ratio (13.67) which is comparable to the rest of the industry.
  • FOUR has a Debt/Equity ratio of 2.41. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 2.41, FOUR is doing worse than 70.41% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.41
Debt/FCF 13.67
Altman-Z 1.07
ROIC/WACC0.72
WACC6.9%
FOUR Yearly LT Debt VS Equity VS FCFFOUR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 0 500M 1B 1.5B 2B

2.3 Liquidity

  • FOUR has a Current Ratio of 1.38. This is a normal value and indicates that FOUR is financially healthy and should not expect problems in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 1.38, FOUR is in the better half of the industry, outperforming 64.29% of the companies in the same industry.
  • A Quick Ratio of 1.38 indicates that FOUR should not have too much problems paying its short term obligations.
  • FOUR has a better Quick ratio (1.38) than 65.31% of its industry peers.
Industry RankSector Rank
Current Ratio 1.38
Quick Ratio 1.38
FOUR Yearly Current Assets VS Current LiabilitesFOUR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

9

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 51.21% over the past year.
  • The Earnings Per Share has been growing by 108.37% on average over the past years. This is a very strong growth
  • FOUR shows a strong growth in Revenue. In the last year, the Revenue has grown by 23.16%.
  • The Revenue has been growing by 35.42% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)51.21%
EPS 3Y108.37%
EPS 5YN/A
EPS Q2Q%41.35%
Revenue 1Y (TTM)23.16%
Revenue growth 3Y34.54%
Revenue growth 5Y35.42%
Sales Q2Q%29.44%

3.2 Future

  • Based on estimates for the next years, FOUR will show a very strong growth in Earnings Per Share. The EPS will grow by 20.91% on average per year.
  • The Revenue is expected to grow by 16.45% on average over the next years. This is quite good.
EPS Next Y36.8%
EPS Next 2Y30.42%
EPS Next 3Y26.25%
EPS Next 5Y20.91%
Revenue Next Year21.19%
Revenue Next 2Y22.81%
Revenue Next 3Y19.96%
Revenue Next 5Y16.45%

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
FOUR Yearly Revenue VS EstimatesFOUR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2B 4B 6B
FOUR Yearly EPS VS EstimatesFOUR Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 2 4 6 8

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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 11.52, which indicates a very decent valuation of FOUR.
  • Compared to the rest of the industry, the Price/Earnings ratio of FOUR is on the same level as its industry peers.
  • The average S&P500 Price/Earnings ratio is at 26.64. FOUR is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 8.69, the valuation of FOUR can be described as very reasonable.
  • 60.20% of the companies in the same industry are more expensive than FOUR, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 27.75. FOUR is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.52
Fwd PE 8.69
FOUR Price Earnings VS Forward Price EarningsFOUR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, FOUR is valued a bit cheaper than 68.37% of the companies in the same industry.
  • FOUR's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. FOUR is cheaper than 62.24% of the companies in the same industry.
Industry RankSector Rank
P/FCF 14.76
EV/EBITDA 10.19
FOUR Per share dataFOUR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40 -40

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • FOUR's earnings are expected to grow with 26.25% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.31
PEG (5Y)N/A
EPS Next 2Y30.42%
EPS Next 3Y26.25%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • No dividends for FOUR!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

SHIFT4 PAYMENTS INC-CLASS A

NYSE:FOUR (2/23/2026, 8:04:00 PM)

After market: 57.47 0 (0%)

57.47

-1.02 (-1.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-06
Earnings (Next)03-03
Inst Owners129.16%
Inst Owner Change-4.66%
Ins Owners0.94%
Ins Owner Change1.14%
Market Cap5.09B
Revenue(TTM)3.88B
Net Income(TTM)168.00M
Analysts80
Price Target91.99 (60.07%)
Short Float %21.95%
Short Ratio7.55
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-4.6%
Min EPS beat(2)-10.04%
Max EPS beat(2)0.85%
EPS beat(4)3
Avg EPS beat(4)13.41%
Min EPS beat(4)-10.04%
Max EPS beat(4)47%
EPS beat(8)4
Avg EPS beat(8)4.28%
EPS beat(12)8
Avg EPS beat(12)12.87%
EPS beat(16)11
Avg EPS beat(16)13.56%
Revenue beat(2)0
Avg Revenue beat(2)-2.17%
Min Revenue beat(2)-3.07%
Max Revenue beat(2)-1.27%
Revenue beat(4)0
Avg Revenue beat(4)-5.52%
Min Revenue beat(4)-13.55%
Max Revenue beat(4)-1.27%
Revenue beat(8)0
Avg Revenue beat(8)-6.52%
Revenue beat(12)1
Avg Revenue beat(12)-5.02%
Revenue beat(16)4
Avg Revenue beat(16)-3.32%
PT rev (1m)-2.41%
PT rev (3m)-14.08%
EPS NQ rev (1m)0.39%
EPS NQ rev (3m)-1.63%
EPS NY rev (1m)-0.29%
EPS NY rev (3m)-0.11%
Revenue NQ rev (1m)-0.08%
Revenue NQ rev (3m)-1.36%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.58%
Valuation
Industry RankSector Rank
PE 11.52
Fwd PE 8.69
P/S 1.31
P/FCF 14.76
P/OCF 9.17
P/B 3.05
P/tB N/A
EV/EBITDA 10.19
EPS(TTM)4.99
EY8.68%
EPS(NY)6.62
Fwd EY11.51%
FCF(TTM)3.89
FCFY6.78%
OCF(TTM)6.27
OCFY10.91%
SpS43.76
BVpS18.84
TBVpS-43.01
PEG (NY)0.31
PEG (5Y)N/A
Graham Number45.99
Profitability
Industry RankSector Rank
ROA 1.87%
ROE 10.06%
ROCE 6.27%
ROIC 4.95%
ROICexc 6.31%
ROICexgc 886.29%
OM 11.37%
PM (TTM) 4.33%
GM 32.61%
FCFM 8.9%
ROA(3y)3.33%
ROA(5y)1.36%
ROE(3y)21%
ROE(5y)8.17%
ROIC(3y)5.43%
ROIC(5y)N/A
ROICexc(3y)7.63%
ROICexc(5y)N/A
ROICexgc(3y)655.2%
ROICexgc(5y)N/A
ROCE(3y)6.87%
ROCE(5y)N/A
ROICexgc growth 3Y605.46%
ROICexgc growth 5YN/A
ROICexc growth 3Y119.45%
ROICexc growth 5Y48.4%
OM growth 3Y125.47%
OM growth 5Y42.69%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y12.8%
GM growth 5Y3.61%
F-Score5
Asset Turnover0.43
Health
Industry RankSector Rank
Debt/Equity 2.41
Debt/FCF 13.67
Debt/EBITDA 4.88
Cap/Depr 55.1%
Cap/Sales 5.43%
Interest Coverage 250
Cash Conversion 67.51%
Profit Quality 205.42%
Current Ratio 1.38
Quick Ratio 1.38
Altman-Z 1.07
F-Score5
WACC6.9%
ROIC/WACC0.72
Cap/Depr(3y)64.28%
Cap/Depr(5y)59.84%
Cap/Sales(3y)5.28%
Cap/Sales(5y)5.02%
Profit Quality(3y)204.33%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)51.21%
EPS 3Y108.37%
EPS 5YN/A
EPS Q2Q%41.35%
EPS Next Y36.8%
EPS Next 2Y30.42%
EPS Next 3Y26.25%
EPS Next 5Y20.91%
Revenue 1Y (TTM)23.16%
Revenue growth 3Y34.54%
Revenue growth 5Y35.42%
Sales Q2Q%29.44%
Revenue Next Year21.19%
Revenue Next 2Y22.81%
Revenue Next 3Y19.96%
Revenue Next 5Y16.45%
EBIT growth 1Y75.45%
EBIT growth 3Y203.36%
EBIT growth 5Y93.23%
EBIT Next Year254.38%
EBIT Next 3Y73.82%
EBIT Next 5Y42.29%
FCF growth 1Y18.67%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y31.53%
OCF growth 3Y450.43%
OCF growth 5Y79.7%

SHIFT4 PAYMENTS INC-CLASS A / FOUR FAQ

Can you provide the ChartMill fundamental rating for SHIFT4 PAYMENTS INC-CLASS A?

ChartMill assigns a fundamental rating of 5 / 10 to FOUR.


What is the valuation status for FOUR stock?

ChartMill assigns a valuation rating of 7 / 10 to SHIFT4 PAYMENTS INC-CLASS A (FOUR). This can be considered as Undervalued.


How profitable is SHIFT4 PAYMENTS INC-CLASS A (FOUR) stock?

SHIFT4 PAYMENTS INC-CLASS A (FOUR) has a profitability rating of 4 / 10.


Can you provide the expected EPS growth for FOUR stock?

The Earnings per Share (EPS) of SHIFT4 PAYMENTS INC-CLASS A (FOUR) is expected to grow by 36.8% in the next year.