SHIFT4 PAYMENTS INC-CLASS A (FOUR) Stock Fundamental Analysis
NYSE:FOUR • US82452J1097
58.49 USD
0 (0%)
At close: Feb 20, 2026
58.75 USD
+0.26 (+0.44%)
After Hours: 2/20/2026, 8:04:00 PM
We assign a fundamental rating of 5 out of 10 to FOUR. FOUR was compared to 98 industry peers in the Financial Services industry. There are concerns on the financial health of FOUR while its profitability can be described as average. FOUR has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination!
1. Profitability
1.1 Basic Checks
- FOUR had positive earnings in the past year.
- In the past year FOUR had a positive cash flow from operations.
- The reported net income has been mixed in the past 5 years: FOUR reported negative net income in multiple years.
- FOUR had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- FOUR has a Return On Assets of 1.87%. This is comparable to the rest of the industry: FOUR outperforms 55.67% of its industry peers.
- FOUR has a Return On Equity of 10.06%. This is comparable to the rest of the industry: FOUR outperforms 58.76% of its industry peers.
- FOUR's Return On Invested Capital of 4.95% is fine compared to the rest of the industry. FOUR outperforms 67.01% of its industry peers.
- FOUR had an Average Return On Invested Capital over the past 3 years of 5.43%. This is below the industry average of 8.38%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.87% | ||
| ROE | 10.06% | ||
| ROIC | 4.95% |
ROA(3y)3.33%
ROA(5y)1.36%
ROE(3y)21%
ROE(5y)8.17%
ROIC(3y)5.43%
ROIC(5y)N/A
1.3 Margins
- The Profit Margin of FOUR (4.33%) is worse than 61.86% of its industry peers.
- Looking at the Operating Margin, with a value of 11.37%, FOUR is in line with its industry, outperforming 47.42% of the companies in the same industry.
- FOUR's Operating Margin has improved in the last couple of years.
- FOUR has a Gross Margin (32.61%) which is comparable to the rest of the industry.
- FOUR's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 11.37% | ||
| PM (TTM) | 4.33% | ||
| GM | 32.61% |
OM growth 3Y125.47%
OM growth 5Y42.69%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y12.8%
GM growth 5Y3.61%
2. Health
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 increased compared to 1 year ago.
- FOUR has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, FOUR has a worse debt to assets ratio.
2.2 Solvency
- FOUR has an Altman-Z score of 1.07. 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 1.07, FOUR is in the better half of the industry, outperforming 62.89% of the companies in the same industry.
- The Debt to FCF ratio of FOUR is 13.67, which is on the high side as it means it would take FOUR, 13.67 years of fcf income to pay off all of its debts.
- FOUR's Debt to FCF ratio of 13.67 is in line compared to the rest of the industry. FOUR outperforms 43.30% of its industry peers.
- FOUR has a Debt/Equity ratio of 2.41. This is a high value indicating a heavy dependency on external financing.
- FOUR's Debt to Equity ratio of 2.41 is on the low side compared to the rest of the industry. FOUR is outperformed by 71.13% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.41 | ||
| Debt/FCF | 13.67 | ||
| Altman-Z | 1.07 |
ROIC/WACC0.71
WACC6.99%
2.3 Liquidity
- FOUR has a Current Ratio of 1.38. 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 (1.38) is better than 64.95% of its industry peers.
- FOUR has a Quick Ratio of 1.38. This is a normal value and indicates that FOUR is financially healthy and should not expect problems in meeting its short term obligations.
- Looking at the Quick ratio, with a value of 1.38, FOUR is in the better half of the industry, outperforming 65.98% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.38 | ||
| Quick Ratio | 1.38 |
3. Growth
3.1 Past
- FOUR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 51.21%, 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 108.37% on average per year.
- FOUR shows a strong growth in Revenue. In the last year, the Revenue has grown by 23.16%.
- FOUR shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 35.42% yearly.
EPS 1Y (TTM)51.21%
EPS 3Y108.37%
EPS 5YN/A
EPS Q2Q%41.35%
Revenue 1Y (TTM)23.16%
Revenue growth 3Y34.54%
Revenue growth 5Y35.42%
Sales Q2Q%29.44%
3.2 Future
- Based on estimates for the next years, FOUR will show a very strong growth in Earnings Per Share. The EPS will grow by 20.91% on average per year.
- The Revenue is expected to grow by 16.45% on average over the next years. This is quite good.
EPS Next Y36.8%
EPS Next 2Y30.42%
EPS Next 3Y26.25%
EPS Next 5Y20.91%
Revenue Next Year21.19%
Revenue Next 2Y22.81%
Revenue Next 3Y19.96%
Revenue Next 5Y16.45%
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.
4. Valuation
4.1 Price/Earnings Ratio
- FOUR is valuated reasonably with a Price/Earnings ratio of 11.72.
- The rest of the industry has a similar Price/Earnings ratio as FOUR.
- FOUR's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.99.
- A Price/Forward Earnings ratio of 8.84 indicates a reasonable valuation of FOUR.
- FOUR's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FOUR is cheaper than 60.82% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of FOUR to the average of the S&P500 Index (28.06), we can say FOUR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.72 | ||
| Fwd PE | 8.84 |
4.2 Price Multiples
- FOUR's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. FOUR is cheaper than 69.07% of the companies in the same industry.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of FOUR indicates a somewhat cheap valuation: FOUR is cheaper than 62.89% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.02 | ||
| EV/EBITDA | 10.19 |
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 26.25% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.32
PEG (5Y)N/A
EPS Next 2Y30.42%
EPS Next 3Y26.25%
5. Dividend
5.1 Amount
- FOUR does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
58.49
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-06 2025-11-06/bmo
Earnings (Next)03-03 2026-03-03/amc
Inst Owners129.16%
Inst Owner Change-4.45%
Ins Owners0.94%
Ins Owner Change1.14%
Market Cap5.18B
Revenue(TTM)3.88B
Net Income(TTM)168.00M
Analysts80
Price Target91.99 (57.27%)
Short Float %21.95%
Short Ratio7.55
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-4.6%
Min EPS beat(2)-10.04%
Max EPS beat(2)0.85%
EPS beat(4)3
Avg EPS beat(4)13.41%
Min EPS beat(4)-10.04%
Max EPS beat(4)47%
EPS beat(8)4
Avg EPS beat(8)4.28%
EPS beat(12)8
Avg EPS beat(12)12.87%
EPS beat(16)11
Avg EPS beat(16)13.56%
Revenue beat(2)0
Avg Revenue beat(2)-2.17%
Min Revenue beat(2)-3.07%
Max Revenue beat(2)-1.27%
Revenue beat(4)0
Avg Revenue beat(4)-5.52%
Min Revenue beat(4)-13.55%
Max Revenue beat(4)-1.27%
Revenue beat(8)0
Avg Revenue beat(8)-6.52%
Revenue beat(12)1
Avg Revenue beat(12)-5.02%
Revenue beat(16)4
Avg Revenue beat(16)-3.32%
PT rev (1m)-4.44%
PT rev (3m)-14.08%
EPS NQ rev (1m)-0.52%
EPS NQ rev (3m)-1.63%
EPS NY rev (1m)-0.29%
EPS NY rev (3m)-0.11%
Revenue NQ rev (1m)-0.08%
Revenue NQ rev (3m)-1.36%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.58%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.72 | ||
| Fwd PE | 8.84 | ||
| P/S | 1.34 | ||
| P/FCF | 15.02 | ||
| P/OCF | 9.33 | ||
| P/B | 3.1 | ||
| P/tB | N/A | ||
| EV/EBITDA | 10.19 |
EPS(TTM)4.99
EY8.53%
EPS(NY)6.62
Fwd EY11.31%
FCF(TTM)3.89
FCFY6.66%
OCF(TTM)6.27
OCFY10.72%
SpS43.76
BVpS18.84
TBVpS-43.01
PEG (NY)0.32
PEG (5Y)N/A
Graham Number45.99
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.87% | ||
| ROE | 10.06% | ||
| ROCE | 6.27% | ||
| ROIC | 4.95% | ||
| ROICexc | 6.31% | ||
| ROICexgc | 886.29% | ||
| OM | 11.37% | ||
| PM (TTM) | 4.33% | ||
| GM | 32.61% | ||
| FCFM | 8.9% |
ROA(3y)3.33%
ROA(5y)1.36%
ROE(3y)21%
ROE(5y)8.17%
ROIC(3y)5.43%
ROIC(5y)N/A
ROICexc(3y)7.63%
ROICexc(5y)N/A
ROICexgc(3y)655.2%
ROICexgc(5y)N/A
ROCE(3y)6.87%
ROCE(5y)N/A
ROICexgc growth 3Y605.46%
ROICexgc growth 5YN/A
ROICexc growth 3Y119.45%
ROICexc growth 5Y48.4%
OM growth 3Y125.47%
OM growth 5Y42.69%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y12.8%
GM growth 5Y3.61%
F-Score5
Asset Turnover0.43
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.41 | ||
| Debt/FCF | 13.67 | ||
| Debt/EBITDA | 4.88 | ||
| Cap/Depr | 55.1% | ||
| Cap/Sales | 5.43% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 67.51% | ||
| Profit Quality | 205.42% | ||
| Current Ratio | 1.38 | ||
| Quick Ratio | 1.38 | ||
| Altman-Z | 1.07 |
F-Score5
WACC6.99%
ROIC/WACC0.71
Cap/Depr(3y)64.28%
Cap/Depr(5y)59.84%
Cap/Sales(3y)5.28%
Cap/Sales(5y)5.02%
Profit Quality(3y)204.33%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)51.21%
EPS 3Y108.37%
EPS 5YN/A
EPS Q2Q%41.35%
EPS Next Y36.8%
EPS Next 2Y30.42%
EPS Next 3Y26.25%
EPS Next 5Y20.91%
Revenue 1Y (TTM)23.16%
Revenue growth 3Y34.54%
Revenue growth 5Y35.42%
Sales Q2Q%29.44%
Revenue Next Year21.19%
Revenue Next 2Y22.81%
Revenue Next 3Y19.96%
Revenue Next 5Y16.45%
EBIT growth 1Y75.45%
EBIT growth 3Y203.36%
EBIT growth 5Y93.23%
EBIT Next Year254.38%
EBIT Next 3Y73.82%
EBIT Next 5Y42.29%
FCF growth 1Y18.67%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y31.53%
OCF growth 3Y450.43%
OCF growth 5Y79.7%
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 36.8% in the next year.