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

NYSE:FOUR • US82452J1097

58.49 USD
0 (0%)
At close: Feb 20, 2026
58.75 USD
+0.26 (+0.44%)
After Hours: 2/20/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Taking everything into account, FOUR scores 5 out of 10 in our fundamental rating. FOUR was compared to 98 industry peers in the Financial Services industry. While FOUR is still in line with the averages on profitability rating, there are concerns on its financial health. FOUR is growing strongly while it also seems undervalued. This is an interesting combination


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • FOUR had positive earnings in the past year.
  • 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

  • With a Return On Assets value of 1.87%, FOUR perfoms like the industry average, outperforming 55.10% of the companies in the same industry.
  • FOUR has a Return On Equity of 10.06%. This is comparable to the rest of the industry: FOUR outperforms 59.18% of its industry peers.
  • FOUR has a better Return On Invested Capital (4.95%) than 66.33% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for FOUR is below the industry average of 8.38%.
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 has a worse Profit Margin (4.33%) than 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.
  • In the last couple of years the Operating Margin of FOUR has grown nicely.
  • With a Gross Margin value of 32.61%, FOUR perfoms like the industry average, outperforming 51.02% of the companies in the same industry.
  • 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • FOUR has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • The number of shares outstanding for FOUR has been increased compared to 1 year ago.
  • The number of shares outstanding for FOUR has been increased compared to 5 years ago.
  • The debt/assets ratio for FOUR is higher compared to a year ago.
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.
  • Looking at the Altman-Z score, with a value of 1.07, FOUR is in the better half of the industry, outperforming 63.27% of the companies in the same industry.
  • 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.
  • Looking at the Debt to FCF ratio, with a value of 13.67, FOUR is in line with its industry, outperforming 43.88% of the companies in the same industry.
  • FOUR has a Debt/Equity ratio of 2.41. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of FOUR (2.41) is worse than 70.41% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.41
Debt/FCF 13.67
Altman-Z 1.07
ROIC/WACC0.71
WACC6.99%
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 65.31% of the companies in the same industry.
  • FOUR has a Quick 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.
  • FOUR's Quick ratio of 1.38 is fine compared to the rest of the industry. FOUR outperforms 66.33% 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

More info and screens

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.
  • FOUR shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 108.37% yearly.
  • The Revenue has grown by 23.16% in the past year. This is a very strong growth!
  • Measured over the past years, FOUR shows a very strong growth in Revenue. The Revenue has been growing by 35.42% on average per year.
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

  • The Earnings Per Share is expected to grow by 20.91% on average over the next years. This is a very strong growth
  • 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.
  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of 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

More info and screens

Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 11.72, the valuation of FOUR can be described as reasonable.
  • The rest of the industry has a similar Price/Earnings ratio as FOUR.
  • FOUR is valuated cheaply when we compare the Price/Earnings ratio to 26.99, which is the current average of the S&P500 Index.
  • FOUR is valuated reasonably with a Price/Forward Earnings ratio of 8.84.
  • FOUR's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FOUR is cheaper than 60.20% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, FOUR is valued rather cheaply.
Industry RankSector Rank
PE 11.72
Fwd PE 8.84
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

  • 68.37% of the companies in the same industry are more expensive than FOUR, based on the Enterprise Value to EBITDA ratio.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of FOUR indicates a somewhat cheap valuation: FOUR is cheaper than 62.24% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 15.02
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

  • FOUR's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as FOUR's earnings are expected to grow with 26.25% in the coming years.
PEG (NY)0.32
PEG (5Y)N/A
EPS Next 2Y30.42%
EPS Next 3Y26.25%

More info and screens

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%

More info and screens

Find the best dividend stocksShow peers with best dividend

SHIFT4 PAYMENTS INC-CLASS A

NYSE:FOUR (2/20/2026, 8:04:00 PM)

After market: 58.75 +0.26 (+0.44%)

58.49

0 (0%)

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 Cap5.18B
Revenue(TTM)3.88B
Net Income(TTM)168.00M
Analysts80
Price Target91.99 (57.27%)
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 11.72
Fwd PE 8.84
P/S 1.34
P/FCF 15.02
P/OCF 9.33
P/B 3.1
P/tB N/A
EV/EBITDA 10.19
EPS(TTM)4.99
EY8.53%
EPS(NY)6.62
Fwd EY11.31%
FCF(TTM)3.89
FCFY6.66%
OCF(TTM)6.27
OCFY10.72%
SpS43.76
BVpS18.84
TBVpS-43.01
PEG (NY)0.32
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
WACC6.99%
ROIC/WACC0.71
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.