SHIFT4 PAYMENTS INC-CLASS A (FOUR) Fundamental Analysis & Valuation
NYSE:FOUR • US82452J1097
Current stock price
49.61 USD
+1 (+2.06%)
Last:
This FOUR fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
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.
- Of the past 5 years FOUR 4 years were profitable.
- Each year in the past 5 years FOUR had a positive operating cash flow.
1.2 Ratios
- FOUR has a Return On Assets of 0.91%. This is comparable to the rest of the industry: FOUR outperforms 46.46% of its industry peers.
- FOUR has a worse Return On Equity (5.48%) than 61.62% of its industry peers.
- FOUR has a better Return On Invested Capital (4.54%) than 65.66% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for FOUR is below the industry average of 8.00%.
| Industry Rank | Sector 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%
1.3 Margins
- FOUR has a Profit Margin of 1.89%. This is in the lower half of the industry: FOUR underperforms 68.69% of its industry peers.
- In the last couple of years the Profit Margin of FOUR has declined.
- Looking at the Operating Margin, with a value of 10.67%, FOUR is in line with its industry, outperforming 46.46% of the companies in the same industry.
- FOUR's Operating Margin has improved in the last couple of years.
- FOUR has a Gross Margin (34.16%) which is in line with its industry peers.
- FOUR's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector 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%
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.
- FOUR has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, FOUR has an improved debt to assets ratio.
2.2 Solvency
- Based on the Altman-Z score of 1.02, we must say that FOUR is in the distress zone and has some risk of bankruptcy.
- FOUR's Altman-Z score of 1.02 is fine compared to the rest of the industry. FOUR outperforms 61.62% 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 72.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.15 | ||
| Debt/FCF | 11.37 | ||
| Altman-Z | 1.02 |
ROIC/WACC0.7
WACC6.51%
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 better Current ratio (1.66) than 73.74% of its industry peers.
- A Quick Ratio of 1.66 indicates that FOUR should not have too much problems paying its short term obligations.
- With a decent Quick ratio value of 1.66, FOUR is doing good in the industry, outperforming 75.76% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.66 | ||
| Quick Ratio | 1.66 |
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.
- The Earnings Per Share has been growing by 55.63% on average over the past years. This is a very strong growth
- FOUR shows a strong growth in Revenue. In the last year, the Revenue has grown by 25.50%.
- 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
- The Earnings Per Share is expected to grow by 17.08% on average over the next years. This is quite good.
- 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.
4. FOUR Valuation Analysis
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 9.47 indicates a reasonable valuation of FOUR.
- Compared to the rest of the industry, the Price/Earnings ratio of FOUR indicates a somewhat cheap valuation: FOUR is cheaper than 64.65% of the companies listed in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.66. FOUR is valued rather cheaply when compared to this.
- A Price/Forward Earnings ratio of 8.70 indicates a reasonable valuation of FOUR.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of FOUR indicates a somewhat cheap valuation: FOUR is cheaper than 71.72% of the companies listed in the same industry.
- FOUR's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 38.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.47 | ||
| Fwd PE | 8.7 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, FOUR is valued a bit cheaper than 73.74% of the companies in the same industry.
- 76.77% of the companies in the same industry are more expensive than FOUR, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.08 | ||
| EV/EBITDA | 8.58 |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- FOUR's earnings are expected to grow with 17.08% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.07
PEG (5Y)N/A
EPS Next 2Y14.85%
EPS Next 3Y17.08%
5. FOUR Dividend Analysis
5.1 Amount
- No dividends for FOUR!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
FOUR Fundamentals: All Metrics, Ratios and Statistics
NYSE:FOUR (4/22/2026, 1:46:38 PM)
49.61
+1 (+2.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-26 2026-02-26/bmo
Earnings (Next)04-30 2026-04-30/bmo
Inst Owners104.11%
Inst Owner Change-0.32%
Ins Owners1.11%
Ins Owner Change16.52%
Market Cap4.03B
Revenue(TTM)4.18B
Net Income(TTM)79.00M
Analysts78.62
Price Target66.21 (33.46%)
Short Float %28.25%
Short Ratio6.32
Dividend
| Industry Rank | Sector 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)0.99%
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)-3.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.47 | ||
| Fwd PE | 8.7 | ||
| P/S | 0.96 | ||
| P/FCF | 10.08 | ||
| P/OCF | 6.36 | ||
| P/B | 2.79 | ||
| P/tB | N/A | ||
| EV/EBITDA | 8.58 |
EPS(TTM)5.24
EY10.56%
EPS(NY)5.7
Fwd EY11.5%
FCF(TTM)4.92
FCFY9.92%
OCF(TTM)7.8
OCFY15.73%
SpS51.45
BVpS17.75
TBVpS-52.58
PEG (NY)1.07
PEG (5Y)N/A
Graham Number45.7463 (-7.79%)
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 1.02 |
F-Score5
WACC6.51%
ROIC/WACC0.7
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 6 / 10 to SHIFT4 PAYMENTS INC-CLASS A (FOUR). This can be considered as Fairly Valued.
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 9.47 and the Price/Book (PB) ratio is 2.79.
Can you provide the financial health for FOUR stock?
The financial health rating of SHIFT4 PAYMENTS INC-CLASS A (FOUR) is 4 / 10.