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

NYSE:FOUR • US82452J1097

Current stock price

49.54 USD
-1.68 (-3.28%)
Last:

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

  • FOUR had positive earnings in the past year.
  • In the past year FOUR had a positive cash flow from operations.
  • 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

  • The Return On Assets of FOUR (0.91%) is comparable to the rest of the industry.
  • Looking at the Return On Equity, with a value of 5.48%, FOUR is doing worse than 61.62% of the companies in the same industry.
  • FOUR has a Return On Invested Capital of 4.54%. This is in the better half of the industry: FOUR outperforms 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 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 68.69% of its industry peers.
  • In the last couple of years the Profit Margin of FOUR has declined.
  • With a Operating Margin value of 10.67%, FOUR perfoms like the industry average, outperforming 46.46% 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 51.52% of its industry peers.
  • FOUR's Gross Margin has improved in the last couple of years.
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

  • FOUR has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, FOUR has less shares outstanding
  • The number of shares outstanding for FOUR has been increased compared to 5 years ago.
  • FOUR has a better debt/assets ratio than last year.
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 1.04, we must say that FOUR is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of FOUR (1.04) is better than 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 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.
  • 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 72.73% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.15
Debt/FCF 11.37
Altman-Z 1.04
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

  • A Current Ratio of 1.66 indicates that FOUR should not have too much problems paying its short term obligations.
  • The Current ratio of FOUR (1.66) is better 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.
  • The Quick ratio of FOUR (1.66) is better than 75.76% 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.
  • The Revenue has grown by 25.50% in the past year. This is a very strong growth!
  • 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

  • FOUR is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 17.08% yearly.
  • The Revenue is expected to grow by 17.10% on average over the next years. This is quite good.
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

  • 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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6

4. FOUR Valuation Analysis

4.1 Price/Earnings Ratio

  • FOUR is valuated reasonably with a Price/Earnings ratio of 9.45.
  • FOUR's Price/Earnings ratio is a bit cheaper when compared to the industry. FOUR is cheaper than 60.61% of the companies in the same industry.
  • FOUR's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.50.
  • The Price/Forward Earnings ratio is 8.69, which indicates a very decent valuation of FOUR.
  • FOUR's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FOUR is cheaper than 69.70% of the companies 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 22.62.
Industry RankSector Rank
PE 9.45
Fwd PE 8.69
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of FOUR indicates a somewhat cheap valuation: FOUR is cheaper than 71.72% of the companies listed in the same industry.
  • 75.76% 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 10.06
EV/EBITDA 8.82
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 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%

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

0

5. FOUR Dividend Analysis

5.1 Amount

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

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FOUR Fundamentals: All Metrics, Ratios and Statistics

SHIFT4 PAYMENTS INC-CLASS A

NYSE:FOUR (4/23/2026, 10:30:04 AM)

49.54

-1.68 (-3.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-26
Earnings (Next)04-30
Inst Owners104.11%
Inst Owner Change-0.32%
Ins Owners1.11%
Ins Owner Change16.52%
Market Cap4.02B
Revenue(TTM)4.18B
Net Income(TTM)79.00M
Analysts78.62
Price Target66.21 (33.65%)
Short Float %28.25%
Short Ratio6.32
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)-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 RankSector Rank
PE 9.45
Fwd PE 8.69
P/S 0.96
P/FCF 10.06
P/OCF 6.35
P/B 2.79
P/tB N/A
EV/EBITDA 8.82
EPS(TTM)5.24
EY10.58%
EPS(NY)5.7
Fwd EY11.51%
FCF(TTM)4.92
FCFY9.94%
OCF(TTM)7.8
OCFY15.75%
SpS51.45
BVpS17.75
TBVpS-52.58
PEG (NY)1.07
PEG (5Y)N/A
Graham Number45.7463 (-7.66%)
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 1.04
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 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 9.45 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.