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

NYSE:FOUR • US82452J1097

Current stock price

42.24 USD
-0.52 (-1.22%)
At close:
42.12 USD
-0.12 (-0.28%)
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.
  • FOUR had a positive operating cash flow in the past year.
  • FOUR had positive earnings in 4 of the past 5 years.
  • FOUR had a positive operating cash flow in each of the past 5 years.
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

  • Looking at the Return On Assets, with a value of 0.91%, FOUR is in line with its industry, outperforming 46.00% of the companies in the same industry.
  • FOUR has a Return On Equity of 5.48%. This is comparable to the rest of the industry: FOUR outperforms 41.00% of its industry peers.
  • FOUR has a better Return On Invested Capital (4.54%) than 65.00% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for FOUR is below the industry average of 8.10%.
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 67.00% of its industry peers.
  • FOUR's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 10.67%, FOUR is in line with its industry, outperforming 47.00% of the companies in the same industry.
  • In the last couple of years the Operating Margin of FOUR has grown nicely.
  • FOUR has a Gross Margin of 34.16%. This is comparable to the rest of the industry: FOUR outperforms 52.00% of its industry peers.
  • 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

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), FOUR is destroying value.
  • The number of shares outstanding for FOUR has been reduced 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 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

  • FOUR has an Altman-Z score of 0.98. This is a bad value and indicates that FOUR is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.98, FOUR is in the better half of the industry, outperforming 63.00% of the companies in the same industry.
  • 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.
  • With a Debt to FCF ratio value of 11.37, FOUR perfoms like the industry average, outperforming 52.00% 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's Debt to Equity ratio of 3.15 is on the low side compared to the rest of the industry. FOUR is outperformed by 74.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.15
Debt/FCF 11.37
Altman-Z 0.98
ROIC/WACC0.69
WACC6.54%
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.
  • FOUR has a Current ratio of 1.66. This is in the better half of the industry: FOUR outperforms 73.00% of its industry peers.
  • A Quick Ratio of 1.66 indicates that FOUR should not have too much problems paying 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 75.00% 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.
  • Measured over the past years, FOUR shows a very strong growth in Earnings Per Share. The EPS has been growing by 55.63% on average per year.
  • Looking at the last year, FOUR shows a very strong growth in Revenue. The Revenue has grown by 25.50%.
  • 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.
  • 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 Year21.1%
Revenue Next 2Y17.65%
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.
  • 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 8.06, the valuation of FOUR can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of FOUR indicates a somewhat cheap valuation: FOUR is cheaper than 69.00% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.21. FOUR is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 6.90, which indicates a rather cheap valuation of FOUR.
  • 76.00% of the companies in the same industry are more expensive than FOUR, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 23.13. FOUR is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 8.06
Fwd PE 6.9
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

  • 73.00% of the companies in the same industry are more expensive than FOUR, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, FOUR is valued a bit cheaper than 77.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.58
EV/EBITDA 7.99
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

  • FOUR's 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)0.48
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 (4/6/2026, 8:04:00 PM)

Premarket: 42.12 -0.12 (-0.28%)

42.24

-0.52 (-1.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-26
Earnings (Next)04-30
Inst Owners125.03%
Inst Owner Change0%
Ins Owners0.94%
Ins Owner Change16.52%
Market Cap3.43B
Revenue(TTM)4.18B
Net Income(TTM)79.00M
Analysts78.62
Price Target66.67 (57.84%)
Short Float %30.26%
Short Ratio6.65
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)-26.78%
PT rev (3m)-30.74%
EPS NQ rev (1m)-19.07%
EPS NQ rev (3m)-20.62%
EPS NY rev (1m)-7.52%
EPS NY rev (3m)-8.43%
Revenue NQ rev (1m)-4.07%
Revenue NQ rev (3m)-5.54%
Revenue NY rev (1m)-2.89%
Revenue NY rev (3m)-3.02%
Valuation
Industry RankSector Rank
PE 8.06
Fwd PE 6.9
P/S 0.82
P/FCF 8.58
P/OCF 5.41
P/B 2.38
P/tB N/A
EV/EBITDA 7.99
EPS(TTM)5.24
EY12.41%
EPS(NY)6.12
Fwd EY14.49%
FCF(TTM)4.92
FCFY11.66%
OCF(TTM)7.8
OCFY18.48%
SpS51.45
BVpS17.75
TBVpS-52.58
PEG (NY)0.48
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 0.98
F-Score5
WACC6.54%
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 Year21.1%
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 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.


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 8.06 and the Price/Book (PB) ratio is 2.38.


Can you provide the financial health for FOUR stock?

The financial health rating of SHIFT4 PAYMENTS INC-CLASS A (FOUR) is 4 / 10.