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

USA • New York Stock Exchange • NYSE:FOUR • US82452J1097

59.52 USD
+0.24 (+0.4%)
Last: Feb 9, 2026, 02:30 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Overall FOUR gets a fundamental rating of 5 out of 10. We evaluated FOUR against 96 industry peers in the Financial Services industry. While FOUR is still in line with the averages on profitability rating, there are concerns on its financial health. FOUR is growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • FOUR had positive earnings in the past year.
  • In the past year FOUR had a positive cash flow from operations.
  • In multiple years FOUR reported negative net income over the last 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 0 100M 200M 300M 400M 500M

1.2 Ratios

  • The Return On Assets of FOUR (1.87%) is comparable to the rest of the industry.
  • With a Return On Equity value of 10.06%, FOUR perfoms like the industry average, outperforming 58.33% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 4.95%, FOUR is in the better half of the industry, outperforming 66.67% 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 8.60%.
Industry RankSector Rank
ROA 1.87%
ROE 10.06%
ROIC 4.95%
ROA(3y)3.33%
ROA(5y)1.36%
ROE(3y)21%
ROE(5y)8.17%
ROIC(3y)5.43%
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

  • With a Profit Margin value of 4.33%, FOUR is not doing good in the industry: 63.54% of the companies in the same industry are doing better.
  • FOUR's Operating Margin of 11.37% is in line compared to the rest of the industry. FOUR outperforms 44.79% of its industry peers.
  • FOUR's Operating Margin has improved in the last couple of years.
  • The Gross Margin of FOUR (32.61%) is comparable to the rest of the industry.
  • FOUR's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 11.37%
PM (TTM) 4.33%
GM 32.61%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

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.
  • The number of shares outstanding for FOUR has been increased compared to 1 year ago.
  • FOUR has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for FOUR is higher compared to a year ago.
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

  • Based on the Altman-Z score of 1.08, we must say that FOUR is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of FOUR (1.08) is better than 60.42% of its industry peers.
  • FOUR has a debt to FCF ratio of 13.67. This is a negative value and a sign of low solvency as FOUR would need 13.67 years to pay back of all of its debts.
  • FOUR has a Debt to FCF ratio (13.67) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 2.41 is on the high side and indicates that FOUR has dependencies on debt financing.
  • The Debt to Equity ratio of FOUR (2.41) is worse than 72.92% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.41
Debt/FCF 13.67
Altman-Z 1.08
ROIC/WACC0.68
WACC7.32%
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

  • FOUR has a Current Ratio of 1.38. 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 Current ratio (1.38) than 64.58% of its industry peers.
  • A Quick Ratio of 1.38 indicates that FOUR should not have too much problems paying its short term obligations.
  • With a decent Quick ratio value of 1.38, FOUR is doing good in the industry, outperforming 65.63% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.38
Quick Ratio 1.38
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

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 51.21%, which is quite impressive.
  • FOUR shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 108.37% yearly.
  • The Revenue has grown by 23.16% in the past year. This is a very strong growth!
  • The Revenue has been growing by 35.42% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)51.21%
EPS 3Y108.37%
EPS 5YN/A
EPS Q2Q%41.35%
Revenue 1Y (TTM)23.16%
Revenue growth 3Y34.54%
Revenue growth 5Y35.42%
Sales Q2Q%29.44%

3.2 Future

  • FOUR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.91% yearly.
  • The Revenue is expected to grow by 16.45% on average over the next years. This is quite good.
EPS Next Y36.8%
EPS Next 2Y30.42%
EPS Next 3Y26.25%
EPS Next 5Y20.91%
Revenue Next Year21.19%
Revenue Next 2Y22.81%
Revenue Next 3Y19.96%
Revenue Next 5Y16.45%

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

6

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.93 indicates a reasonable valuation of FOUR.
  • The rest of the industry has a similar Price/Earnings ratio as FOUR.
  • FOUR is valuated cheaply when we compare the Price/Earnings ratio to 27.93, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 9.00, the valuation of FOUR can be described as very reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as FOUR.
  • FOUR is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.77, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.93
Fwd PE 9
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

  • 64.58% of the companies in the same industry are more expensive than FOUR, based on the Enterprise Value to EBITDA ratio.
  • 61.46% 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 15.28
EV/EBITDA 10.28
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 26.25% in the coming years.
PEG (NY)0.32
PEG (5Y)N/A
EPS Next 2Y30.42%
EPS Next 3Y26.25%

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

0

5. Dividend

5.1 Amount

  • No dividends for FOUR!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

SHIFT4 PAYMENTS INC-CLASS A

NYSE:FOUR (2/9/2026, 2:30:09 PM)

59.52

+0.24 (+0.4%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-06
Earnings (Next)03-03
Inst Owners129.16%
Inst Owner Change-1.49%
Ins Owners0.94%
Ins Owner Change3.64%
Market Cap5.27B
Revenue(TTM)3.88B
Net Income(TTM)168.00M
Analysts80.69
Price Target91.99 (54.55%)
Short Float %22.94%
Short Ratio8.57
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)-4.6%
Min EPS beat(2)-10.04%
Max EPS beat(2)0.85%
EPS beat(4)3
Avg EPS beat(4)13.41%
Min EPS beat(4)-10.04%
Max EPS beat(4)47%
EPS beat(8)4
Avg EPS beat(8)4.28%
EPS beat(12)8
Avg EPS beat(12)12.87%
EPS beat(16)11
Avg EPS beat(16)13.56%
Revenue beat(2)0
Avg Revenue beat(2)-2.17%
Min Revenue beat(2)-3.07%
Max Revenue beat(2)-1.27%
Revenue beat(4)0
Avg Revenue beat(4)-5.52%
Min Revenue beat(4)-13.55%
Max Revenue beat(4)-1.27%
Revenue beat(8)0
Avg Revenue beat(8)-6.52%
Revenue beat(12)1
Avg Revenue beat(12)-5.02%
Revenue beat(16)4
Avg Revenue beat(16)-3.32%
PT rev (1m)-4.44%
PT rev (3m)-14.08%
EPS NQ rev (1m)-0.87%
EPS NQ rev (3m)-1.08%
EPS NY rev (1m)-0.29%
EPS NY rev (3m)-0.59%
Revenue NQ rev (1m)-0.24%
Revenue NQ rev (3m)-2.45%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)-0.44%
Valuation
Industry RankSector Rank
PE 11.93
Fwd PE 9
P/S 1.36
P/FCF 15.28
P/OCF 9.49
P/B 3.16
P/tB N/A
EV/EBITDA 10.28
EPS(TTM)4.99
EY8.38%
EPS(NY)6.62
Fwd EY11.12%
FCF(TTM)3.89
FCFY6.54%
OCF(TTM)6.27
OCFY10.54%
SpS43.76
BVpS18.84
TBVpS-43.01
PEG (NY)0.32
PEG (5Y)N/A
Graham Number45.99
Profitability
Industry RankSector Rank
ROA 1.87%
ROE 10.06%
ROCE 6.27%
ROIC 4.95%
ROICexc 6.31%
ROICexgc 886.29%
OM 11.37%
PM (TTM) 4.33%
GM 32.61%
FCFM 8.9%
ROA(3y)3.33%
ROA(5y)1.36%
ROE(3y)21%
ROE(5y)8.17%
ROIC(3y)5.43%
ROIC(5y)N/A
ROICexc(3y)7.63%
ROICexc(5y)N/A
ROICexgc(3y)655.2%
ROICexgc(5y)N/A
ROCE(3y)6.87%
ROCE(5y)N/A
ROICexgc growth 3Y605.46%
ROICexgc 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-Score5
Asset Turnover0.43
Health
Industry RankSector Rank
Debt/Equity 2.41
Debt/FCF 13.67
Debt/EBITDA 4.88
Cap/Depr 55.1%
Cap/Sales 5.43%
Interest Coverage 250
Cash Conversion 67.51%
Profit Quality 205.42%
Current Ratio 1.38
Quick Ratio 1.38
Altman-Z 1.08
F-Score5
WACC7.32%
ROIC/WACC0.68
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)51.21%
EPS 3Y108.37%
EPS 5YN/A
EPS Q2Q%41.35%
EPS Next Y36.8%
EPS Next 2Y30.42%
EPS Next 3Y26.25%
EPS Next 5Y20.91%
Revenue 1Y (TTM)23.16%
Revenue growth 3Y34.54%
Revenue growth 5Y35.42%
Sales Q2Q%29.44%
Revenue Next Year21.19%
Revenue Next 2Y22.81%
Revenue Next 3Y19.96%
Revenue Next 5Y16.45%
EBIT growth 1Y75.45%
EBIT growth 3Y203.36%
EBIT growth 5Y93.23%
EBIT Next Year254.38%
EBIT Next 3Y73.82%
EBIT Next 5Y42.29%
FCF growth 1Y18.67%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y31.53%
OCF growth 3Y450.43%
OCF growth 5Y79.7%

SHIFT4 PAYMENTS INC-CLASS A / FOUR 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 6 / 10 to SHIFT4 PAYMENTS INC-CLASS A (FOUR). This can be considered as Fairly Valued.


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 36.8% in the next year.