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

USA - NYSE:FOUR - US82452J1097 - Common Stock

86.89 USD
+0.59 (+0.68%)
Last: 9/19/2025, 8:08:59 PM
87.1 USD
+0.21 (+0.24%)
After Hours: 9/19/2025, 8:08:59 PM
Fundamental Rating

6

Taking everything into account, FOUR scores 6 out of 10 in our fundamental rating. FOUR was compared to 101 industry peers in the Financial Services industry. FOUR has an average financial health and profitability rating. FOUR is growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

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6

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

With a decent Return On Assets value of 2.98%, FOUR is doing good in the industry, outperforming 67.33% of the companies in the same industry.
FOUR's Return On Equity of 13.09% is fine compared to the rest of the industry. FOUR outperforms 69.31% of its industry peers.
The Return On Invested Capital of FOUR (5.38%) is better than 68.32% of its industry peers.
The Average Return On Invested Capital over the past 3 years for FOUR is below the industry average of 7.65%.
The 3 year average ROIC (5.00%) for FOUR is below the current ROIC(5.38%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 2.98%
ROE 13.09%
ROIC 5.38%
ROA(3y)3.33%
ROA(5y)1.36%
ROE(3y)21%
ROE(5y)8.17%
ROIC(3y)5%
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 Profit Margin (5.77%) which is comparable to the rest of the industry.
With a Operating Margin value of 10.37%, FOUR perfoms like the industry average, outperforming 41.58% of the companies in the same industry.
In the last couple of years the Operating Margin of FOUR has grown nicely.
FOUR's Gross Margin of 30.55% is in line compared to the rest of the industry. FOUR outperforms 47.52% of its industry peers.
FOUR's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 10.37%
PM (TTM) 5.77%
GM 30.55%
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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4

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.
The number of shares outstanding for FOUR has been increased compared to 5 years ago.
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

FOUR has an Altman-Z score of 1.88. This is not the best score and indicates that FOUR is in the grey zone with still only limited risk for bankruptcy at the moment.
FOUR has a better Altman-Z score (1.88) than 74.26% of its industry peers.
FOUR has a debt to FCF ratio of 9.80. This is a negative value and a sign of low solvency as FOUR would need 9.80 years to pay back of all of its debts.
FOUR has a Debt to FCF ratio of 9.80. This is comparable to the rest of the industry: FOUR outperforms 58.42% of its industry peers.
A Debt/Equity ratio of 1.91 is on the high side and indicates that FOUR has dependencies on debt financing.
The Debt to Equity ratio of FOUR (1.91) is worse than 65.35% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.91
Debt/FCF 9.8
Altman-Z 1.88
ROIC/WACC0.76
WACC7.1%
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

A Current Ratio of 2.53 indicates that FOUR has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 2.53, FOUR is in the better half of the industry, outperforming 79.21% of the companies in the same industry.
FOUR has a Quick Ratio of 2.53. This indicates that FOUR is financially healthy and has no problem in meeting its short term obligations.
FOUR has a better Quick ratio (2.53) than 81.19% of its industry peers.
Industry RankSector Rank
Current Ratio 2.53
Quick Ratio 2.53
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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9

3. Growth

3.1 Past

FOUR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 48.05%, which is quite impressive.
The Earnings Per Share has been growing by 108.37% on average over the past years. This is a very strong growth
Looking at the last year, FOUR shows a very strong growth in Revenue. The Revenue has grown by 23.86%.
The Revenue has been growing by 35.42% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)48.05%
EPS 3Y108.37%
EPS 5YN/A
EPS Q2Q%14.58%
Revenue 1Y (TTM)23.86%
Revenue growth 3Y34.54%
Revenue growth 5Y35.42%
Sales Q2Q%16.83%

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.
FOUR is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.45% yearly.
EPS Next Y40.64%
EPS Next 2Y32.8%
EPS Next 3Y28.6%
EPS Next 5Y20.91%
Revenue Next Year21.24%
Revenue Next 2Y22.64%
Revenue Next 3Y20.04%
Revenue Next 5Y16.45%

3.3 Evolution

Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of 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

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6

4. Valuation

4.1 Price/Earnings Ratio

FOUR is valuated rather expensively with a Price/Earnings ratio of 19.05.
FOUR's Price/Earnings is on the same level as the industry average.
FOUR's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.38.
The Price/Forward Earnings ratio is 12.67, which indicates a correct valuation of FOUR.
FOUR's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 22.86. FOUR is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 19.05
Fwd PE 12.67
FOUR Price Earnings VS Forward Price EarningsFOUR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, FOUR is valued a bit cheaper than the industry average as 65.35% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FOUR indicates a somewhat cheap valuation: FOUR is cheaper than 60.40% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 20.18
EV/EBITDA 11.83
FOUR Per share dataFOUR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 -10 20 30 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.
The decent profitability rating of FOUR may justify a higher PE ratio.
A more expensive valuation may be justified as FOUR's earnings are expected to grow with 28.60% in the coming years.
PEG (NY)0.47
PEG (5Y)N/A
EPS Next 2Y32.8%
EPS Next 3Y28.6%

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0

5. Dividend

5.1 Amount

No dividends for FOUR!.
Industry RankSector Rank
Dividend Yield N/A

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SHIFT4 PAYMENTS INC-CLASS A

NYSE:FOUR (9/19/2025, 8:08:59 PM)

After market: 87.1 +0.21 (+0.24%)

86.89

+0.59 (+0.68%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-05 2025-08-05/bmo
Earnings (Next)11-10 2025-11-10/bmo
Inst Owners133.52%
Inst Owner Change7.42%
Ins Owners2.36%
Ins Owner Change9.84%
Market Cap7.68B
Analysts81.43
Price Target111.47 (28.29%)
Short Float %19.09%
Short Ratio7.31
Dividend
Industry RankSector Rank
Dividend Yield N/A
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)18.48%
Min EPS beat(2)-10.04%
Max EPS beat(2)47%
EPS beat(4)2
Avg EPS beat(4)12.07%
Min EPS beat(4)-10.04%
Max EPS beat(4)47%
EPS beat(8)4
Avg EPS beat(8)6.21%
EPS beat(12)8
Avg EPS beat(12)12.83%
EPS beat(16)11
Avg EPS beat(16)13.68%
Revenue beat(2)0
Avg Revenue beat(2)-3.63%
Min Revenue beat(2)-4.2%
Max Revenue beat(2)-3.07%
Revenue beat(4)0
Avg Revenue beat(4)-7.2%
Min Revenue beat(4)-13.55%
Max Revenue beat(4)-3.07%
Revenue beat(8)0
Avg Revenue beat(8)-7.09%
Revenue beat(12)1
Avg Revenue beat(12)-5.12%
Revenue beat(16)4
Avg Revenue beat(16)-3.67%
PT rev (1m)-5.39%
PT rev (3m)-3.78%
EPS NQ rev (1m)-0.92%
EPS NQ rev (3m)0.48%
EPS NY rev (1m)0.11%
EPS NY rev (3m)0.77%
Revenue NQ rev (1m)3.05%
Revenue NQ rev (3m)9.94%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.18%
Valuation
Industry RankSector Rank
PE 19.05
Fwd PE 12.67
P/S 2.13
P/FCF 20.18
P/OCF 13.58
P/B 4.82
P/tB N/A
EV/EBITDA 11.83
EPS(TTM)4.56
EY5.25%
EPS(NY)6.86
Fwd EY7.9%
FCF(TTM)4.31
FCFY4.95%
OCF(TTM)6.4
OCFY7.37%
SpS40.83
BVpS18.01
TBVpS-10.13
PEG (NY)0.47
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 2.98%
ROE 13.09%
ROCE 6.81%
ROIC 5.38%
ROICexc 11.99%
ROICexgc N/A
OM 10.37%
PM (TTM) 5.77%
GM 30.55%
FCFM 10.54%
ROA(3y)3.33%
ROA(5y)1.36%
ROE(3y)21%
ROE(5y)8.17%
ROIC(3y)5%
ROIC(5y)N/A
ROICexc(3y)6.99%
ROICexc(5y)N/A
ROICexgc(3y)647.63%
ROICexgc(5y)N/A
ROCE(3y)6.33%
ROCE(5y)N/A
ROICexcg growth 3Y605.46%
ROICexcg 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-Score6
Asset Turnover0.52
Health
Industry RankSector Rank
Debt/Equity 1.91
Debt/FCF 9.8
Debt/EBITDA 4.29
Cap/Depr 55.41%
Cap/Sales 5.13%
Interest Coverage 250
Cash Conversion 79.83%
Profit Quality 182.68%
Current Ratio 2.53
Quick Ratio 2.53
Altman-Z 1.88
F-Score6
WACC7.1%
ROIC/WACC0.76
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)48.05%
EPS 3Y108.37%
EPS 5YN/A
EPS Q2Q%14.58%
EPS Next Y40.64%
EPS Next 2Y32.8%
EPS Next 3Y28.6%
EPS Next 5Y20.91%
Revenue 1Y (TTM)23.86%
Revenue growth 3Y34.54%
Revenue growth 5Y35.42%
Sales Q2Q%16.83%
Revenue Next Year21.24%
Revenue Next 2Y22.64%
Revenue Next 3Y20.04%
Revenue Next 5Y16.45%
EBIT growth 1Y69.89%
EBIT growth 3Y203.36%
EBIT growth 5Y93.23%
EBIT Next Year255.68%
EBIT Next 3Y74.64%
EBIT Next 5Y42.29%
FCF growth 1Y49.06%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y50.57%
OCF growth 3Y450.43%
OCF growth 5Y79.7%