FOUR Stock Analysis: Shift4 Payments | NYSE
Software - Infrastructure | NYSE, USA | Market Cap: 3.468m USD | 12M Return: -49.1% | US82452J1097 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 64.6M
EPS Trend: 94.4%
Qual. Beats: 0
Rev. Trend: 99.8%
Qual. Beats: 1
Warnings
Tailwinds
No distinct edge detected
Seasonality 6.2 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Shift4 Payments is a U.S.-headquartered provider of integrated payment processing and commerce software, serving merchants domestically and internationally. The companys platform supports omnichannel card acceptance across a wide range of payment methods, including major card networks (Visa, Mastercard, Europay), contactless and mobile wallets (Apple Pay, Google Pay, Alipay, WeChat Pay), and QR-based payments.
Beyond core processing, Shift4 offers a broad software stack covering point-of-sale (SkyTab POS, Mobile, and Venue), business intelligence and customer engagement (Lighthouse), e-commerce (Shift4Shop), a cryptocurrency donation marketplace (The Giving Block), and a marketplace for third-party integrations. It complements these products with merchant onboarding, underwriting, risk management, training, and partner support services.
Distribution is conducted through independent software vendors, in-house sales teams, enterprise accounts, and value-added resellers, reflecting a B2B2C model common in the payment processing sector where ISV partnerships are a key growth channel. The company was founded in 1999 and is headquartered in Center Valley, Pennsylvania, and has been listed on the NYSE since its 2020 IPO.
- End-to-end payment volume surges on hospitality and sports wins
- Global Blue acquisition expands international merchant base and margins
- Interest income headwind emerges as Fed pivots to rate cuts
| Net Income: 90.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA -1.11 > 1.0 |
| NWC/Revenue: 7.55% < 20% (prev 63.33%; Δ -55.78% < -1%) |
| CFO/TA 0.07 > 3% & CFO 592.8m > Net Income 90.1m |
| Net Debt (4.27b) to EBITDA (912.9m): 4.67 < 3 |
| Current Ratio: 1.21 > 1.5 & < 3 |
| Outstanding Shares: last quarter (79.6m) vs 12m ago -10.78% < -2% |
| Gross Margin: 35.91% > 18% (prev 30.55%; Δ 5.36% > 0.5%) |
| Asset Turnover: 60.96% > 50% (prev 51.65%; Δ 9.31% > 0%) |
| Interest Coverage Ratio: 1.51 > 6 (EBIT TTM 379.8m / Interest Expense TTM 251.8m) |
| A: 0.04 (Total Current Assets 2.07b - Total Current Liabilities 1.71b) / Total Assets 8.70b |
| B: -0.07 (Retained Earnings -648.0m / Total Assets 8.70b) |
| C: 0.05 (EBIT TTM 379.8m / Avg Total Assets 7.84b) |
| D: 0.23 (Book Value of Equity 1.62b / Total Liabilities 6.96b) |
| Altman-Z'' = 0.60 = B |
| DSRI: 1.64 (Receivables 809.0m/372.7m, Revenue 4.78b/3.61b) |
| GMI: 0.85 (GM 30.55% / 35.91%) |
| AQI: 1.70 (AQ_t 0.72 / AQ_t-1 0.42) |
| SGI: 1.32 (Revenue 4.78b / 3.61b) |
| TATA: -0.06 (NI 90.1m - CFO 592.8m) / TA 8.70b) |
| Beneish M = -1.99 (Cap -4..+1) = B |
As of August 15, 2026, the stock is trading at USD 45.37 with a total of 1,589,393 shares traded. Over the past week, the price has changed by +9.96%, over one month by -9.28%, over three months by +7.97% and over the past year by -49.09%.
Current recommended Stop Loss: 36.80 (which is 18.9% or 2.4 ATR below the current price).
Shift4 Payments has received a consensus analysts rating of 4.35. Therefore, it is recommended to buy FOUR.
- StrongBuy: 13
- Buy: 5
- Hold: 5
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 53.3 | 17.5% |
P/E Trailing = 63.6522
P/E Forward = 8.3472
P/S = 0.7252
P/B = 2.1063
P/EG = 0.363
Revenue TTM = 4.78b USD
EBIT TTM = 379.8m USD
EBITDA TTM = 912.9m USD
Long Term Debt = 4.50b USD (from longTermDebt, last quarter)
Short Term Debt = 27.0m USD (from shortTermDebt, last quarter)
Debt = 4.62b USD (from shortLongTermDebtTotal, last quarter) + Leases 56.0m
Net Debt = 4.27b USD (calculated: Debt 4.62b - CCE 356.0m)
Enterprise Value = 7.73b USD (3.47b + Debt 4.62b - CCE 356.0m)
Interest Coverage Ratio = 1.51 (Ebit TTM 379.8m / Interest Expense TTM 251.8m)
EV/FCF = 15.06x (Enterprise Value 7.73b / FCF TTM 513.5m)
FCF Yield = 6.64% (FCF TTM 513.5m / Enterprise Value 7.73b)
FCF Margin = 10.74% (FCF TTM 513.5m / Revenue TTM 4.78b)
Net Margin = 1.88% (Net Income TTM 90.1m / Revenue TTM 4.78b)
Gross Margin = 35.91% ((Revenue TTM 4.78b - Cost of Revenue TTM 3.06b) / Revenue TTM)
Gross Margin QoQ = 34.44% (prev 34.97%)
Tobins Q-Ratio = 0.89 (Enterprise Value 7.73b / Total Assets 8.70b)
Interest Expense / Debt = 5.45% (Interest Expense 251.8m / Debt 4.62b)
Taxrate = 19.74% (30.1m / 152.5m)
NOPAT = 304.8m (EBIT 379.8m * (1 - 19.74%))
Current Ratio = 1.21 (Total Current Assets 2.07b / Total Current Liabilities 1.71b)
Debt / Equity = 2.86 (Debt 4.62b / totalStockholderEquity, last quarter 1.62b)
Debt / EBITDA = 4.67 (Net Debt 4.27b / EBITDA 912.9m)
Debt / FCF = 8.31 (Net Debt 4.27b / FCF TTM 513.5m)
Total Stockholder Equity = 1.60b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.15% (Net Income 90.1m / Total Assets 8.70b)
RoE = 5.65% (Net Income TTM 90.1m / Total Stockholder Equity 1.60b)
RoCE = 6.23% (EBIT 379.8m / Capital Employed (Equity 1.60b + L.T.Debt 4.50b))
RoIC = 4.50% (NOPAT 304.8m / Invested Capital 6.78b)
WACC = 7.10% (E(3.47b)/V(8.09b) * Re(10.74%) + D(4.62b)/V(8.09b) * Rd(5.45%) * (1-Tc(0.20)))
Discount Rate = 10.74% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 7.61 | Cagr: 7.52%
[DCF] Terminal Value 76.04% ; FCFF base≈504.3m ; Y1≈526.1m ; Y5≈601.8m
[DCF] Fair Price = 63.56 (EV 9.29b - Net Debt 4.27b = Equity 5.02b / Shares 79.0m; r=8.35% [WACC [floored]]; 5y FCF grow 4.71% → 2.50% )
EPS Correlation: 94.42 | EPS CAGR: 29.71% | SUE: 0.21 | # QB: 0
Revenue Correlation: 99.83 | Revenue CAGR: 27.62% | SUE: 1.05 | # QB: 1
EPS current Quarter (2026-09-30): EPS=1.41 | Chg30d=-13.23% | Revisions=-50% | Analysts=20
EPS current Year (2026-12-31): EPS=5.28 | Chg30d=-5.06% | Revisions=-44% | GrowthEPS=+2.2% | GrowthRev=+22.5%
EPS next Year (2027-12-31): EPS=6.32 | Chg30d=-6.34% | Revisions=-38% | GrowthEPS=+19.6% | GrowthRev=+14.6%
[Analyst] Revisions Ratio: -59% (up=2, down=12)