SHIFT4 PAYMENTS INC-CLASS A (FOUR) Fundamental Analysis & Valuation

NYSE:FOUR • US82452J1097

Current stock price

41.17 USD
-0.78 (-1.86%)
At close:
41.46 USD
+0.29 (+0.7%)
After Hours:

This FOUR fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. FOUR Profitability Analysis

1.1 Basic Checks

  • In the past year FOUR was profitable.
  • In the past year FOUR had a positive cash flow from operations.
  • FOUR had positive earnings in 4 of the past 5 years.
  • In the past 5 years FOUR always reported a positive cash flow from operatings.
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 2025 0 200M 400M 600M

1.2 Ratios

  • The Return On Assets of FOUR (0.91%) is comparable to the rest of the industry.
  • FOUR has a Return On Equity (5.48%) which is comparable to the rest of the industry.
  • FOUR's Return On Invested Capital of 4.54% is fine compared to the rest of the industry. FOUR outperforms 66.67% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for FOUR is below the industry average of 8.14%.
Industry RankSector Rank
ROA 0.91%
ROE 5.48%
ROIC 4.54%
ROA(3y)2.65%
ROA(5y)1.76%
ROE(3y)15.61%
ROE(5y)10.11%
ROIC(3y)5.31%
ROIC(5y)4.09%
FOUR Yearly ROA, ROE, ROICFOUR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 2025 0 -100 -200 -300 -400

1.3 Margins

  • The Profit Margin of FOUR (1.89%) is worse than 67.68% of its industry peers.
  • FOUR's Profit Margin has declined in the last couple of years.
  • FOUR has a Operating Margin (10.67%) which is in line with its industry peers.
  • FOUR's Operating Margin has improved in the last couple of years.
  • Looking at the Gross Margin, with a value of 34.16%, FOUR is in line with its industry, outperforming 51.52% 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 10.67%
PM (TTM) 1.89%
GM 34.16%
OM growth 3Y19.07%
OM growth 5YN/A
PM growth 3Y-20.54%
PM growth 5YN/A
GM growth 3Y13.15%
GM growth 5Y8.06%
FOUR Yearly Profit, Operating, Gross MarginsFOUR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 2025 0 10 20 30

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4

2. FOUR Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so FOUR is destroying value.
  • Compared to 1 year ago, FOUR has less shares outstanding
  • The number of shares outstanding for FOUR has been increased compared to 5 years ago.
  • Compared to 1 year ago, FOUR has an improved debt to assets ratio.
FOUR Yearly Shares OutstandingFOUR Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 2B 4B 6B 8B

2.2 Solvency

  • Based on the Altman-Z score of 0.97, we must say that FOUR is in the distress zone and has some risk of bankruptcy.
  • FOUR's Altman-Z score of 0.97 is fine compared to the rest of the industry. FOUR outperforms 62.63% of its industry peers.
  • The Debt to FCF ratio of FOUR is 11.37, which is on the high side as it means it would take FOUR, 11.37 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 11.37, FOUR perfoms like the industry average, outperforming 50.51% of the companies in the same industry.
  • A Debt/Equity ratio of 3.15 is on the high side and indicates that FOUR has dependencies on debt financing.
  • With a Debt to Equity ratio value of 3.15, FOUR is not doing good in the industry: 73.74% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 3.15
Debt/FCF 11.37
Altman-Z 0.97
ROIC/WACC0.61
WACC7.44%
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 2025 0 1B 2B 3B 4B

2.3 Liquidity

  • A Current Ratio of 1.66 indicates that FOUR should not have too much problems paying its short term obligations.
  • The Current ratio of FOUR (1.66) is better than 72.73% of its industry peers.
  • FOUR has a Quick Ratio of 1.66. 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 Quick ratio, with a value of 1.66, FOUR is in the better half of the industry, outperforming 74.75% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.66
Quick Ratio 1.66
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 2025 500M 1B 1.5B 2B

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8

3. FOUR Growth Analysis

3.1 Past

  • FOUR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 34.70%, which is quite impressive.
  • The Earnings Per Share has been growing by 55.63% 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 25.50%.
  • FOUR shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 40.37% yearly.
EPS 1Y (TTM)34.7%
EPS 3Y55.63%
EPS 5YN/A
EPS Q2Q%18.52%
Revenue 1Y (TTM)25.5%
Revenue growth 3Y27.99%
Revenue growth 5Y40.37%
Sales Q2Q%34.05%

3.2 Future

  • Based on estimates for the next years, FOUR will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.28% on average per year.
  • The Revenue is expected to grow by 17.10% on average over the next years. This is quite good.
EPS Next Y16.78%
EPS Next 2Y18.4%
EPS Next 3Y19.28%
EPS Next 5YN/A
Revenue Next Year21.13%
Revenue Next 2Y17.66%
Revenue Next 3Y17.1%
Revenue Next 5YN/A

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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7

4. FOUR Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 7.86, the valuation of FOUR can be described as very cheap.
  • Compared to the rest of the industry, the Price/Earnings ratio of FOUR indicates a somewhat cheap valuation: FOUR is cheaper than 69.70% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.23. FOUR is valued rather cheaply when compared to this.
  • FOUR is valuated cheaply with a Price/Forward Earnings ratio of 6.73.
  • Based on the Price/Forward Earnings ratio, FOUR is valued a bit cheaper than 74.75% of the companies in the same industry.
  • FOUR is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.42, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.86
Fwd PE 6.73
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 the industry average as 73.74% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, FOUR is valued a bit cheaper than the industry average as 78.79% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 8.36
EV/EBITDA 7.89
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 19.28% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.47
PEG (5Y)N/A
EPS Next 2Y18.4%
EPS Next 3Y19.28%

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

0

5. FOUR Dividend Analysis

5.1 Amount

  • FOUR does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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FOUR Fundamentals: All Metrics, Ratios and Statistics

SHIFT4 PAYMENTS INC-CLASS A

NYSE:FOUR (3/20/2026, 8:04:00 PM)

After market: 41.46 +0.29 (+0.7%)

41.17

-0.78 (-1.86%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-26
Earnings (Next)04-27
Inst Owners125.03%
Inst Owner Change-4.97%
Ins Owners0.94%
Ins Owner Change16.52%
Market Cap3.34B
Revenue(TTM)4.18B
Net Income(TTM)79.00M
Analysts78.62
Price Target91.06 (121.18%)
Short Float %44.46%
Short Ratio6.56
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0.35
Dividend Growth(5Y)N/A
DP37.97%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.4%
Min EPS beat(2)-1.65%
Max EPS beat(2)0.85%
EPS beat(4)2
Avg EPS beat(4)9.04%
Min EPS beat(4)-10.04%
Max EPS beat(4)47%
EPS beat(8)4
Avg EPS beat(8)5.18%
EPS beat(12)7
Avg EPS beat(12)11.12%
EPS beat(16)11
Avg EPS beat(16)17.05%
Revenue beat(2)0
Avg Revenue beat(2)-2.02%
Min Revenue beat(2)-2.78%
Max Revenue beat(2)-1.27%
Revenue beat(4)0
Avg Revenue beat(4)-2.83%
Min Revenue beat(4)-4.2%
Max Revenue beat(4)-1.27%
Revenue beat(8)0
Avg Revenue beat(8)-5.78%
Revenue beat(12)1
Avg Revenue beat(12)-4.96%
Revenue beat(16)3
Avg Revenue beat(16)-3.65%
PT rev (1m)-1.01%
PT rev (3m)-5.41%
EPS NQ rev (1m)-19.82%
EPS NQ rev (3m)-20.87%
EPS NY rev (1m)-7.52%
EPS NY rev (3m)-8.43%
Revenue NQ rev (1m)-5.46%
Revenue NQ rev (3m)-5.54%
Revenue NY rev (1m)-2.91%
Revenue NY rev (3m)-3%
Valuation
Industry RankSector Rank
PE 7.86
Fwd PE 6.73
P/S 0.8
P/FCF 8.36
P/OCF 5.28
P/B 2.32
P/tB N/A
EV/EBITDA 7.89
EPS(TTM)5.24
EY12.73%
EPS(NY)6.12
Fwd EY14.86%
FCF(TTM)4.92
FCFY11.96%
OCF(TTM)7.8
OCFY18.96%
SpS51.45
BVpS17.75
TBVpS-52.58
PEG (NY)0.47
PEG (5Y)N/A
Graham Number45.75
Profitability
Industry RankSector Rank
ROA 0.91%
ROE 5.48%
ROCE 6.03%
ROIC 4.54%
ROICexc 5.22%
ROICexgc 46.63%
OM 10.67%
PM (TTM) 1.89%
GM 34.16%
FCFM 9.57%
ROA(3y)2.65%
ROA(5y)1.76%
ROE(3y)15.61%
ROE(5y)10.11%
ROIC(3y)5.31%
ROIC(5y)4.09%
ROICexc(3y)6.92%
ROICexc(5y)5.59%
ROICexgc(3y)615.91%
ROICexgc(5y)385.45%
ROCE(3y)7.04%
ROCE(5y)5.43%
ROICexgc growth 3Y-14.48%
ROICexgc growth 5YN/A
ROICexc growth 3Y-6.02%
ROICexc growth 5YN/A
OM growth 3Y19.07%
OM growth 5YN/A
PM growth 3Y-20.54%
PM growth 5YN/A
GM growth 3Y13.15%
GM growth 5Y8.06%
F-Score5
Asset Turnover0.48
Health
Industry RankSector Rank
Debt/Equity 3.15
Debt/FCF 11.37
Debt/EBITDA 5.17
Cap/Depr 54.17%
Cap/Sales 5.6%
Interest Coverage 2.7
Cash Conversion 72.21%
Profit Quality 506.33%
Current Ratio 1.66
Quick Ratio 1.66
Altman-Z 0.97
F-Score5
WACC7.44%
ROIC/WACC0.61
Cap/Depr(3y)58.97%
Cap/Depr(5y)63.79%
Cap/Sales(3y)5.39%
Cap/Sales(5y)5.38%
Profit Quality(3y)297.25%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)34.7%
EPS 3Y55.63%
EPS 5YN/A
EPS Q2Q%18.52%
EPS Next Y16.78%
EPS Next 2Y18.4%
EPS Next 3Y19.28%
EPS Next 5YN/A
Revenue 1Y (TTM)25.5%
Revenue growth 3Y27.99%
Revenue growth 5Y40.37%
Sales Q2Q%34.05%
Revenue Next Year21.13%
Revenue Next 2Y17.66%
Revenue Next 3Y17.1%
Revenue Next 5YN/A
EBIT growth 1Y45.47%
EBIT growth 3Y52.4%
EBIT growth 5YN/A
EBIT Next Year197.15%
EBIT Next 3Y58.75%
EBIT Next 5Y35.89%
FCF growth 1Y22.55%
FCF growth 3Y32.77%
FCF growth 5YN/A
OCF growth 1Y26.72%
OCF growth 3Y32.04%
OCF growth 5Y175.43%

SHIFT4 PAYMENTS INC-CLASS A / FOUR Fundamental Analysis 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 16.78% in the next year.


Is the dividend of SHIFT4 PAYMENTS INC-CLASS A sustainable?

The dividend rating of SHIFT4 PAYMENTS INC-CLASS A (FOUR) is 0 / 10 and the dividend payout ratio is 37.97%.