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

NYSE:FOUR • US82452J1097

Current stock price

43.33 USD
-0.58 (-1.32%)
At close:
43.4567 USD
+0.13 (+0.29%)
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.
  • 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

  • With a Return On Assets value of 0.90%, FOUR is not doing good in the industry: 60.20% of the companies in the same industry are doing better.
  • FOUR has a worse Return On Equity (5.43%) than 60.20% of its industry peers.
  • FOUR has a better Return On Invested Capital (4.48%) than 64.29% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for FOUR is below the industry average of 8.33%.
Industry RankSector Rank
ROA 0.9%
ROE 5.43%
ROIC 4.48%
ROA(3y)2.65%
ROA(5y)1.76%
ROE(3y)15.61%
ROE(5y)10.11%
ROIC(3y)4.95%
ROIC(5y)3.88%
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

  • The Profit Margin of FOUR (1.87%) is worse than 67.35% of its industry peers.
  • In the last couple of years the Profit Margin of FOUR has declined.
  • FOUR has a Operating Margin (10.52%) which is in line with its industry peers.
  • FOUR's Operating Margin has improved in the last couple of years.
  • FOUR has a Gross Margin of 34.17%. This is comparable to the rest of the industry: FOUR outperforms 51.02% of its industry peers.
  • FOUR's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 10.52%
PM (TTM) 1.87%
GM 34.17%
OM growth 3Y8.88%
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.
  • Compared to 1 year ago, FOUR has less shares outstanding
  • 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 0.98, we must say that FOUR is in the distress zone and has some risk of bankruptcy.
  • FOUR's Altman-Z score of 0.98 is fine compared to the rest of the industry. FOUR outperforms 60.20% 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 in line with its industry peers.
  • A Debt/Equity ratio of 3.15 is on the high side and indicates that FOUR has dependencies on debt financing.
  • The Debt to Equity ratio of FOUR (3.15) is worse than 75.51% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.15
Debt/FCF 11.37
Altman-Z 0.98
ROIC/WACC0.59
WACC7.54%
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.
  • The Current ratio of FOUR (1.66) is better than 72.45% 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's Quick ratio of 1.66 is fine compared to the rest of the industry. FOUR outperforms 73.47% 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.
  • FOUR shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 55.63% yearly.
  • Looking at the last year, FOUR shows a very strong growth in Revenue. The Revenue has grown by 25.51%.
  • 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)25.51%
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 18.28% 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 Year22.16%
Revenue Next 2Y18.3%
Revenue Next 3Y18.28%
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 8.27, 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 67.35% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of FOUR to the average of the S&P500 Index (25.70), we can say FOUR is valued rather cheaply.
  • A Price/Forward Earnings ratio of 7.08 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 73.47% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of FOUR to the average of the S&P500 Index (23.84), we can say FOUR is valued rather cheaply.
Industry RankSector Rank
PE 8.27
Fwd PE 7.08
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

  • 73.47% of the companies in the same industry are more expensive than FOUR, based on the Enterprise Value to EBITDA ratio.
  • FOUR's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. FOUR is cheaper than 79.59% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.79
EV/EBITDA 8.14
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)0.49
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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FOUR Fundamentals: All Metrics, Ratios and Statistics

SHIFT4 PAYMENTS INC-CLASS A

NYSE:FOUR (3/13/2026, 8:04:00 PM)

After market: 43.4567 +0.13 (+0.29%)

43.33

-0.58 (-1.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-26
Earnings (Next)04-27
Inst Owners129.16%
Inst Owner Change-4.97%
Ins Owners0.94%
Ins Owner Change16.33%
Market Cap3.51B
Revenue(TTM)4.18B
Net Income(TTM)78.30M
Analysts78.62
Price Target91.06 (110.15%)
Short Float %42.79%
Short Ratio6.8
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0.34
Dividend Growth(5Y)N/A
DP38.31%
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)-5.32%
EPS NQ rev (1m)-13.22%
EPS NQ rev (3m)-14.48%
EPS NY rev (1m)-7.52%
EPS NY rev (3m)-8.31%
Revenue NQ rev (1m)-3.75%
Revenue NQ rev (3m)-4.08%
Revenue NY rev (1m)-2.08%
Revenue NY rev (3m)-2.48%
Valuation
Industry RankSector Rank
PE 8.27
Fwd PE 7.08
P/S 0.84
P/FCF 8.79
P/OCF 5.54
P/B 2.44
P/tB N/A
EV/EBITDA 8.14
EPS(TTM)5.24
EY12.09%
EPS(NY)6.12
Fwd EY14.12%
FCF(TTM)4.93
FCFY11.38%
OCF(TTM)7.82
OCFY18.04%
SpS51.54
BVpS17.78
TBVpS-52.67
PEG (NY)0.49
PEG (5Y)N/A
Graham Number45.78
Profitability
Industry RankSector Rank
ROA 0.9%
ROE 5.43%
ROCE 5.94%
ROIC 4.48%
ROICexc 5.15%
ROICexgc 45.96%
OM 10.52%
PM (TTM) 1.87%
GM 34.17%
FCFM 9.57%
ROA(3y)2.65%
ROA(5y)1.76%
ROE(3y)15.61%
ROE(5y)10.11%
ROIC(3y)4.95%
ROIC(5y)3.88%
ROICexc(3y)6.51%
ROICexc(5y)5.34%
ROICexgc(3y)612.25%
ROICexgc(5y)383.26%
ROCE(3y)6.57%
ROCE(5y)5.14%
ROICexgc growth 3Y-21.8%
ROICexgc growth 5YN/A
ROICexc growth 3Y-14.06%
ROICexc growth 5YN/A
OM growth 3Y8.88%
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 5.2
Cap/Depr 54.17%
Cap/Sales 5.6%
Interest Coverage 250
Cash Conversion 72.74%
Profit Quality 510.86%
Current Ratio 1.66
Quick Ratio 1.66
Altman-Z 0.98
F-Score5
WACC7.54%
ROIC/WACC0.59
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)25.51%
Revenue growth 3Y27.99%
Revenue growth 5Y40.37%
Sales Q2Q%34.05%
Revenue Next Year22.16%
Revenue Next 2Y18.3%
Revenue Next 3Y18.28%
Revenue Next 5YN/A
EBIT growth 1Y43.38%
EBIT growth 3Y39.36%
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 38.31%.