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

NYSE:FOUR - US82452J1097 - Common Stock

90.31 USD
+0.84 (+0.94%)
Last: 8/27/2025, 7:00:00 PM
88.1876 USD
-2.12 (-2.35%)
After Hours: 8/27/2025, 7:00:00 PM
Fundamental Rating

6

Overall FOUR gets a fundamental rating of 6 out of 10. We evaluated FOUR against 100 industry peers in the Financial Services industry. Both the profitability and the financial health of FOUR get a neutral evaluation. Nothing too spectacular is happening here. FOUR is not priced too expensively while it is growing strongly. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

In the past year FOUR was profitable.
In the past year FOUR had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: FOUR reported negative net income in multiple 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 0 100M 200M 300M 400M 500M

1.2 Ratios

FOUR has a better Return On Assets (2.98%) than 68.00% of its industry peers.
FOUR has a Return On Equity of 13.09%. This is in the better half of the industry: FOUR outperforms 69.00% of its industry peers.
FOUR has a better Return On Invested Capital (5.38%) than 68.00% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for FOUR is below the industry average of 7.71%.
The last Return On Invested Capital (5.38%) for FOUR is above the 3 year average (5.00%), which is a sign of increasing profitability.
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

The Profit Margin of FOUR (5.77%) is comparable to the rest of the industry.
FOUR's Operating Margin of 10.37% is in line compared to the rest of the industry. FOUR outperforms 43.00% of its industry peers.
In the last couple of years the Operating Margin of FOUR has grown nicely.
FOUR has a Gross Margin (30.55%) which is in line with 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.
Compared to 1 year ago, FOUR has a worse debt to assets ratio.
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

An Altman-Z score of 1.91 indicates that FOUR is not a great score, but indicates only limited risk for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 1.91, FOUR is in the better half of the industry, outperforming 74.00% of the companies in the same industry.
The Debt to FCF ratio of FOUR is 9.80, which is on the high side as it means it would take FOUR, 9.80 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 9.80, FOUR perfoms like the industry average, outperforming 59.00% of the companies in the same industry.
FOUR has a Debt/Equity ratio of 1.91. This is a high value indicating a heavy dependency on external financing.
FOUR has a worse Debt to Equity ratio (1.91) than 65.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.91
Debt/FCF 9.8
Altman-Z 1.91
ROIC/WACC0.73
WACC7.33%
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.
With a decent Current ratio value of 2.53, FOUR is doing good in the industry, outperforming 79.00% 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 Quick ratio of 2.53. This is amongst the best in the industry. FOUR outperforms 81.00% 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

The Earnings Per Share has grown by an impressive 48.05% over the past year.
Measured over the past years, FOUR shows a very strong growth in Earnings Per Share. The EPS has been growing by 108.37% on average per year.
FOUR shows a strong growth in Revenue. In the last year, 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

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 Y40.49%
EPS Next 2Y32.8%
EPS Next 3Y28.61%
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.
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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6

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 19.80, FOUR is valued on the expensive side.
FOUR's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 27.14, FOUR is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 13.16, the valuation of FOUR can be described as correct.
FOUR's Price/Forward Earnings is on the same level as the industry average.
FOUR's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.80.
Industry RankSector Rank
PE 19.8
Fwd PE 13.16
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

FOUR's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. FOUR is cheaper than 65.00% 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 61.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 20.98
EV/EBITDA 12.15
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.
FOUR's earnings are expected to grow with 28.61% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.49
PEG (5Y)N/A
EPS Next 2Y32.8%
EPS Next 3Y28.61%

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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 (8/27/2025, 7:00:00 PM)

After market: 88.1876 -2.12 (-2.35%)

90.31

+0.84 (+0.94%)

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 Owners123.02%
Inst Owner Change7.42%
Ins Owners1.84%
Ins Owner Change8.15%
Market Cap7.99B
Analysts81.43
Price Target111.47 (23.43%)
Short Float %16.95%
Short Ratio6.6
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)-4.22%
PT rev (3m)-3.59%
EPS NQ rev (1m)5.74%
EPS NQ rev (3m)14.27%
EPS NY rev (1m)3.68%
EPS NY rev (3m)0.66%
Revenue NQ rev (1m)5.32%
Revenue NQ rev (3m)3.79%
Revenue NY rev (1m)4.66%
Revenue NY rev (3m)4.18%
Valuation
Industry RankSector Rank
PE 19.8
Fwd PE 13.16
P/S 2.21
P/FCF 20.98
P/OCF 14.11
P/B 5.01
P/tB N/A
EV/EBITDA 12.15
EPS(TTM)4.56
EY5.05%
EPS(NY)6.86
Fwd EY7.6%
FCF(TTM)4.31
FCFY4.77%
OCF(TTM)6.4
OCFY7.09%
SpS40.83
BVpS18.01
TBVpS-10.13
PEG (NY)0.49
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 1.91
F-Score6
WACC7.33%
ROIC/WACC0.73
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 Y40.49%
EPS Next 2Y32.8%
EPS Next 3Y28.61%
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 Year217.36%
EBIT Next 3Y65.83%
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%