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

NYSE:FOUR • US82452J1097

Current stock price

45.29 USD
-0.96 (-2.08%)
At close:
45.12 USD
-0.17 (-0.38%)
Pre-Market:

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.
  • 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 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's Return On Equity of 5.48% is on the low side compared to the rest of the industry. FOUR is outperformed by 61.00% of its industry peers.
  • With a decent Return On Invested Capital value of 4.54%, FOUR is doing good in the industry, outperforming 66.00% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for FOUR is below the industry average of 7.98%.
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

  • FOUR has a Profit Margin of 1.89%. This is in the lower half of the industry: FOUR underperforms 68.00% of its industry peers.
  • FOUR's Profit Margin has declined in the last couple of years.
  • FOUR has a Operating Margin of 10.67%. This is comparable to the rest of the industry: FOUR outperforms 47.00% of its industry peers.
  • FOUR's Operating Margin has improved in the last couple of years.
  • The Gross Margin of FOUR (34.16%) is comparable to the rest of the industry.
  • FOUR's Gross Margin has improved in the last couple of years.
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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3

2. FOUR Health Analysis

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.
  • FOUR has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, FOUR has more shares outstanding
  • The debt/assets ratio for FOUR has been reduced compared to a year ago.
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 1.00, we must say that FOUR is in the distress zone and has some risk of bankruptcy.
  • FOUR has a Altman-Z score of 1.00. This is comparable to the rest of the industry: FOUR outperforms 60.00% 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 53.00% 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.
  • FOUR has a Debt to Equity ratio of 3.15. This is in the lower half of the industry: FOUR underperforms 73.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.15
Debt/FCF 11.37
Altman-Z 1
ROIC/WACC0.74
WACC6.15%
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.
  • FOUR has a better Current ratio (1.66) than 73.00% 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.
  • FOUR has a better Quick ratio (1.66) than 75.00% of its industry peers.
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. FOUR Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 34.70% over the past year.
  • The Earnings Per Share has been growing by 55.63% on average over the past years. This is a very strong growth
  • The Revenue has grown by 25.50% 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 40.37% on average per year.
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

  • FOUR is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 17.08% yearly.
  • FOUR is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.10% yearly.
EPS Next Y8.85%
EPS Next 2Y14.85%
EPS Next 3Y17.08%
EPS Next 5YN/A
Revenue Next Year21.1%
Revenue Next 2Y17.65%
Revenue Next 3Y17.1%
Revenue Next 5YN/A

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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7

4. FOUR Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 8.64, the valuation of FOUR can be described as very reasonable.
  • 69.00% of the companies in the same industry are more expensive than FOUR, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 27.42. FOUR is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 7.94 indicates a rather cheap valuation of FOUR.
  • Based on the Price/Forward Earnings ratio, FOUR is valued a bit cheaper than the industry average as 71.00% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of FOUR to the average of the S&P500 Index (22.29), we can say FOUR is valued rather cheaply.
Industry RankSector Rank
PE 8.64
Fwd PE 7.94
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 74.00% of the companies are valued more expensively.
  • 77.00% of the companies in the same industry are more expensive than FOUR, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 9.2
EV/EBITDA 8.27
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.
  • A more expensive valuation may be justified as FOUR's earnings are expected to grow with 17.08% in the coming years.
PEG (NY)0.98
PEG (5Y)N/A
EPS Next 2Y14.85%
EPS Next 3Y17.08%

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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 (4/24/2026, 8:04:00 PM)

Premarket: 45.12 -0.17 (-0.38%)

45.29

-0.96 (-2.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-26
Earnings (Next)05-07
Inst Owners104.11%
Inst Owner Change-3.49%
Ins Owners1.11%
Ins Owner Change16.52%
Market Cap3.68B
Revenue(TTM)4.18B
Net Income(TTM)79.00M
Analysts78.62
Price Target66.21 (46.19%)
Short Float %28.25%
Short Ratio6.32
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)-27.29%
PT rev (3m)-29.76%
EPS NQ rev (1m)0.67%
EPS NQ rev (3m)-19.02%
EPS NY rev (1m)-6.79%
EPS NY rev (3m)-14.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-5.46%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)-2.96%
Valuation
Industry RankSector Rank
PE 8.64
Fwd PE 7.94
P/S 0.88
P/FCF 9.2
P/OCF 5.8
P/B 2.55
P/tB N/A
EV/EBITDA 8.27
EPS(TTM)5.24
EY11.57%
EPS(NY)5.7
Fwd EY12.59%
FCF(TTM)4.92
FCFY10.87%
OCF(TTM)7.8
OCFY17.23%
SpS51.45
BVpS17.75
TBVpS-52.58
PEG (NY)0.98
PEG (5Y)N/A
Graham Number45.7463 (1.01%)
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 1
F-Score5
WACC6.15%
ROIC/WACC0.74
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 Y8.85%
EPS Next 2Y14.85%
EPS Next 3Y17.08%
EPS Next 5YN/A
Revenue 1Y (TTM)25.5%
Revenue growth 3Y27.99%
Revenue growth 5Y40.37%
Sales Q2Q%34.05%
Revenue Next Year21.1%
Revenue Next 2Y17.65%
Revenue Next 3Y17.1%
Revenue Next 5YN/A
EBIT growth 1Y45.47%
EBIT growth 3Y52.4%
EBIT growth 5YN/A
EBIT Next Year194.71%
EBIT Next 3Y58.01%
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.


Can you provide the valuation status for SHIFT4 PAYMENTS INC-CLASS A?

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


Can you provide the profitability details for SHIFT4 PAYMENTS INC-CLASS A?

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


What are the PE and PB ratios of SHIFT4 PAYMENTS INC-CLASS A (FOUR) stock?

The Price/Earnings (PE) ratio for SHIFT4 PAYMENTS INC-CLASS A (FOUR) is 8.64 and the Price/Book (PB) ratio is 2.55.


Can you provide the financial health for FOUR stock?

The financial health rating of SHIFT4 PAYMENTS INC-CLASS A (FOUR) is 3 / 10.