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

NYSE:FOUR • US82452J1097

44.07 USD
-4.34 (-8.97%)
At close: Feb 27, 2026
45 USD
+0.93 (+2.11%)
Pre-Market: 3/2/2026, 8:32:26 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to FOUR. FOUR was compared to 97 industry peers in the Financial Services industry. Both the profitability and the financial health of FOUR get a neutral evaluation. Nothing too spectacular is happening here. FOUR is evaluated to be cheap and growing strongly. This does not happen too often!


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • FOUR had positive earnings in the past year.
  • FOUR had a positive operating cash flow in the past year.
  • 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

  • FOUR has a Return On Assets (0.90%) which is in line with its industry peers.
  • FOUR's Return On Equity of 5.43% is on the low side compared to the rest of the industry. FOUR is outperformed by 60.82% of its industry peers.
  • The Return On Invested Capital of FOUR (4.48%) is better than 61.86% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for FOUR is below the industry average of 8.39%.
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 65.98% 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 10.52%, FOUR is in line with its industry, outperforming 46.39% of the companies in the same industry.
  • FOUR's Operating Margin has improved in the last couple of years.
  • FOUR has a Gross Margin (34.17%) which is comparable to the rest of the industry.
  • In the last couple of years the Gross Margin of FOUR has grown nicely.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 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.
  • 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 1.01, we must say that FOUR is in the distress zone and has some risk of bankruptcy.
  • FOUR has a better Altman-Z score (1.01) than 63.92% of its industry peers.
  • The Debt to FCF ratio of FOUR is 11.37, which is on the high side as it means it would take FOUR, 11.37 years of fcf income to pay off all of its debts.
  • FOUR has a Debt to FCF ratio (11.37) which is comparable to the rest of the industry.
  • FOUR has a Debt/Equity ratio of 3.15. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 3.15, FOUR is not doing good in the industry: 75.26% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 3.15
Debt/FCF 11.37
Altman-Z 1.01
ROIC/WACC0.6
WACC7.51%
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 72.16% of the companies in the same industry.
  • A Quick Ratio of 1.66 indicates that FOUR should not have too much problems paying its short term obligations.
  • FOUR has a Quick ratio of 1.66. This is in the better half of the industry: FOUR outperforms 73.20% 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. Growth

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 25.51%.
  • 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)25.51%
Revenue growth 3Y27.99%
Revenue growth 5Y40.37%
Sales Q2Q%-31.23%

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 16.63% yearly.
  • FOUR is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 14.89% yearly.
EPS Next Y26.27%
EPS Next 2Y22.22%
EPS Next 3Y16.63%
EPS Next 5YN/A
Revenue Next Year24.36%
Revenue Next 2Y19.33%
Revenue Next 3Y14.89%
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.
  • 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. Valuation

4.1 Price/Earnings Ratio

  • FOUR is valuated reasonably with a Price/Earnings ratio of 8.41.
  • Based on the Price/Earnings ratio, FOUR is valued a bit cheaper than 69.07% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of FOUR to the average of the S&P500 Index (27.07), we can say FOUR is valued rather cheaply.
  • The Price/Forward Earnings ratio is 6.66, which indicates a rather cheap valuation of FOUR.
  • Based on the Price/Forward Earnings ratio, FOUR is valued a bit cheaper than 79.38% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of FOUR to the average of the S&P500 Index (28.05), we can say FOUR is valued rather cheaply.
Industry RankSector Rank
PE 8.41
Fwd PE 6.66
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

  • FOUR's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. FOUR is cheaper than 73.20% of the companies in the same industry.
  • 72.16% 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 9.76
EV/EBITDA 8.59
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 16.63% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.32
PEG (5Y)N/A
EPS Next 2Y22.22%
EPS Next 3Y16.63%

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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 (2/27/2026, 8:04:24 PM)

Premarket: 45 +0.93 (+2.11%)

44.07

-4.34 (-8.97%)

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 Change1.14%
Market Cap3.91B
Revenue(TTM)4.18B
Net Income(TTM)78.30M
Analysts80
Price Target91.06 (106.63%)
Short Float %21.95%
Short Ratio7.55
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)-25.69%
Min Revenue beat(2)-50.12%
Max Revenue beat(2)-1.27%
Revenue beat(4)0
Avg Revenue beat(4)-14.66%
Min Revenue beat(4)-50.12%
Max Revenue beat(4)-1.27%
Revenue beat(8)0
Avg Revenue beat(8)-11.69%
Revenue beat(12)1
Avg Revenue beat(12)-8.9%
Revenue beat(16)3
Avg Revenue beat(16)-6.61%
PT rev (1m)-3.39%
PT rev (3m)-6.53%
EPS NQ rev (1m)-0.62%
EPS NQ rev (3m)-2.07%
EPS NY rev (1m)-0.55%
EPS NY rev (3m)1.58%
Revenue NQ rev (1m)-1.45%
Revenue NQ rev (3m)-1.87%
Revenue NY rev (1m)-0.07%
Revenue NY rev (3m)-2.18%
Valuation
Industry RankSector Rank
PE 8.41
Fwd PE 6.66
P/S 0.93
P/FCF 9.76
P/OCF 6.16
P/B 2.71
P/tB N/A
EV/EBITDA 8.59
EPS(TTM)5.24
EY11.89%
EPS(NY)6.62
Fwd EY15.01%
FCF(TTM)4.51
FCFY10.24%
OCF(TTM)7.15
OCFY16.23%
SpS47.17
BVpS16.27
TBVpS-48.21
PEG (NY)0.32
PEG (5Y)N/A
Graham Number43.8
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 1.01
F-Score5
WACC7.51%
ROIC/WACC0.6
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 Y26.27%
EPS Next 2Y22.22%
EPS Next 3Y16.63%
EPS Next 5YN/A
Revenue 1Y (TTM)25.51%
Revenue growth 3Y27.99%
Revenue growth 5Y40.37%
Sales Q2Q%-31.23%
Revenue Next Year24.36%
Revenue Next 2Y19.33%
Revenue Next 3Y14.89%
Revenue Next 5YN/A
EBIT growth 1Y43.38%
EBIT growth 3Y39.36%
EBIT growth 5YN/A
EBIT Next Year208.13%
EBIT Next 3Y49.37%
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 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 26.27% 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%.