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

NYSE:FOUR • US82452J1097

Current stock price

52.5 USD
+8.47 (+19.24%)
At close:
52.86 USD
+0.36 (+0.69%)
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.
  • Of the past 5 years FOUR 4 years were profitable.
  • 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

  • FOUR's Return On Assets of 0.91% is in line compared to the rest of the industry. FOUR outperforms 45.00% of its industry peers.
  • FOUR has a Return On Equity (5.48%) which is comparable to the rest of the industry.
  • The Return On Invested Capital of FOUR (4.54%) is better than 67.00% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for FOUR is below the industry average of 8.07%.
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

  • With a Profit Margin value of 1.89%, FOUR is not doing good in the industry: 67.00% of the companies in the same industry are doing better.
  • In the last couple of years the Profit Margin of FOUR has declined.
  • FOUR has a Operating Margin (10.67%) which is comparable to the rest of the industry.
  • FOUR's Operating Margin has improved in the last couple of years.
  • FOUR's Gross Margin of 34.16% is in line compared to the rest of the industry. FOUR outperforms 52.00% of its industry peers.
  • 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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4

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.
  • FOUR has more shares outstanding than it did 5 years ago.
  • 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

  • FOUR has an Altman-Z score of 0.99. This is a bad value and indicates that FOUR is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of FOUR (0.99) is better than 63.00% of its industry peers.
  • FOUR has a debt to FCF ratio of 11.37. This is a negative value and a sign of low solvency as FOUR would need 11.37 years to pay back of all of its debts.
  • FOUR has a Debt to FCF ratio (11.37) which is comparable to the rest of the 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 0.99
ROIC/WACC0.69
WACC6.61%
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

  • FOUR has a Current 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.
  • With a decent Current ratio value of 1.66, FOUR is doing good in the industry, outperforming 73.00% of the companies in the same industry.
  • 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!
  • The Revenue has been growing by 40.37% on average over the past years. This is a very strong growth!
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 19.28% yearly.
  • Based on estimates for the next years, FOUR will show a quite strong growth in Revenue. The Revenue will grow by 17.10% on average per year.
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

  • 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

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Find the best growth stocksShow best growing peers

7

4. FOUR Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.02, the valuation of FOUR can be described as very reasonable.
  • FOUR's Price/Earnings ratio is a bit cheaper when compared to the industry. FOUR is cheaper than 67.00% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.54. FOUR is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 8.58, the valuation of FOUR can be described as very reasonable.
  • 73.00% of the companies in the same industry are more expensive than FOUR, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.70, FOUR is valued rather cheaply.
Industry RankSector Rank
PE 10.02
Fwd PE 8.58
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 74.00% 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 78.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.66
EV/EBITDA 8.15
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 19.28% in the coming years.
PEG (NY)0.6
PEG (5Y)N/A
EPS Next 2Y18.4%
EPS Next 3Y19.28%

More info and screens

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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Find the best dividend stocksShow peers with best dividend

FOUR Fundamentals: All Metrics, Ratios and Statistics

SHIFT4 PAYMENTS INC-CLASS A

NYSE:FOUR (3/24/2026, 4:36:29 PM)

After market: 52.86 +0.36 (+0.69%)

52.5

+8.47 (+19.24%)

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 Cap4.27B
Revenue(TTM)4.18B
Net Income(TTM)79.00M
Analysts78.62
Price Target91.06 (73.45%)
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 10.02
Fwd PE 8.58
P/S 1.02
P/FCF 10.66
P/OCF 6.73
P/B 2.96
P/tB N/A
EV/EBITDA 8.15
EPS(TTM)5.24
EY9.98%
EPS(NY)6.12
Fwd EY11.66%
FCF(TTM)4.92
FCFY9.38%
OCF(TTM)7.8
OCFY14.86%
SpS51.45
BVpS17.75
TBVpS-52.58
PEG (NY)0.6
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 0.99
F-Score5
WACC6.61%
ROIC/WACC0.69
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%.