(FOUR) Shift4 Payments - NYSE

Sector: Technology | Industry: Software - Infrastructure | Exchange: NYSE (USA) | Market Cap: 4.297m USD | Total Return: -51.4% in 12m

Payment Processing, POS Systems, E-commerce, Crypto Donations
Total Rating 27
Safety 50
Buy Signal 0.05
Software - Infrastructure
Industry Rotation: -18.2
Market Cap: 4.30B
Avg Turnover: 73.6M
Risk 3d forecast
Volatility83.7%
VaR 5th Pctl12.8%
VaR vs Median-5.75%
Reward TTM
Sharpe Ratio-1.03
Rel. Str. IBD5.7
Rel. Str. Peer Group39.5
Character TTM
Beta1.733
Beta Downside1.766
Hurst Exponent0.358
Drawdowns 3y
Max DD71.65%
CAGR/Max DD-0.16
CAGR/Mean DD-0.44
EPS (Earnings per Share) EPS (Earnings per Share) of FOUR over the last years for every Quarter: "2021-06": 0.22, "2021-09": 0.26, "2021-12": 0.08, "2022-03": 0.15, "2022-06": 0.33, "2022-09": 0.44, "2022-12": 0.47, "2023-03": 0.51, "2023-06": 0.74, "2023-09": 0.82, "2023-12": 0.76, "2024-03": 0.54, "2024-06": 0.96, "2024-09": 1.04, "2024-12": 1.35, "2025-03": 1.07, "2025-06": 1.1, "2025-09": 0.17, "2025-12": 1.22, "2026-03": 0.97,
EPS CAGR: 21.05%
EPS Trend: 78.1%
Last SUE: -0.77
Qual. Beats: 0
Revenue Revenue of FOUR over the last years for every Quarter: 2021-06: 351, 2021-09: 377.8, 2021-12: 399.4, 2022-03: 401.9, 2022-06: 506.7, 2022-09: 547.3, 2022-12: 537.7, 2023-03: 547, 2023-06: 637, 2023-09: 675.4, 2023-12: 705.4, 2024-03: 707.4, 2024-06: 827, 2024-09: 909.2, 2024-12: 887, 2025-03: 848.3, 2025-06: 966.2, 2025-09: 1176.9, 2025-12: 1189, 2026-03: 1121,
Rev. CAGR: 27.38%
Rev. Trend: 99.8%
Last SUE: 0.78
Qual. Beats: 0

Warnings

Altman Z'' 0.65 < 1.0 - financial distress zone

Overextended 3d

Tailwinds

No distinct edge detected

Description: FOUR Shift4 Payments

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.

Headlines to Watch Out For
  • 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
Piotroski VR-10 (Strict) 4.5
Net Income: 102.1m TTM > 0 and > 6% of Revenue
FCF/TA: 0.07 > 0.02 and ΔFCF/TA -2.41 > 1.0
NWC/Revenue: 8.42% < 20% (prev 14.05%; Δ -5.63% < -1%)
CFO/TA 0.08 > 3% & CFO 671.7m > Net Income 102.1m
Net Debt (3.41b) to EBITDA (855.4m): 3.99 < 3
Current Ratio: 1.22 > 1.5 & < 3
Outstanding Shares: last quarter (73.6m) vs 12m ago -18.81% < -2%
Gross Margin: 35.11% > 18% (prev 30.02%; Δ 5.09% > 0.5%)
Asset Turnover: 64.72% > 50% (prev 69.38%; Δ -4.66% > 0%)
Interest Coverage Ratio: 1.65 > 6 (EBIT TTM 372.9m / Interest Expense TTM 226.2m)
Altman Z'' 0.65
A: 0.04 (Total Current Assets 2.06b - Total Current Liabilities 1.69b) / Total Assets 8.76b
B: -0.07 (Retained Earnings -644.0m / Total Assets 8.76b)
C: 0.05 (EBIT TTM 372.9m / Avg Total Assets 6.88b)
D: 0.24 (Book Value of Equity 1.65b / Total Liabilities 6.98b)
Altman-Z'' = 0.65 = B
Beneish M -2.31
DSRI: 1.64 (Receivables 694.0m/330.6m, Revenue 4.45b/3.47b)
GMI: 0.86 (GM 30.02% / 35.11%)
AQI: 1.22 (AQ_t 0.75 / AQ_t-1 0.62)
SGI: 1.28 (Revenue 4.45b / 3.47b)
TATA: -0.07 (NI 102.1m - CFO 671.7m) / TA 8.76b)
Beneish M = -2.31 (Cap -4..+1) = BBB
What is the price of FOUR shares?

As of June 27, 2026, the stock is trading at USD 47.65 with a total of 3,648,483 shares traded. Over the past week, the price has changed by +20.94%, over one month by +11.36%, over three months by -1.57% and over the past year by -51.40%.

Current recommended Stop Loss: 43.90 (which is 7.9% or 1.4 ATR below the current price).

Is FOUR a buy, sell or hold?

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

What are the forecasts/targets for the FOUR price?
Analysts Target Price 61.2 28.3%
Shift4 Payments (FOUR) - Fundamental Data Overview as of 25 June 2026
Market Cap USD = 4.30b (4.30b USD * 1.0 USD.USD)
P/E Trailing = 49.8276
P/E Forward = 6.93
P/S = 0.965
P/B = 1.8558
P/EG = 0.2772
Revenue TTM = 4.45b USD
EBIT TTM = 372.9m USD
EBITDA TTM = 855.4m USD
Long Term Debt = 4.51b USD (from longTermDebt, last quarter)
Short Term Debt = 28.0m USD (from shortTermDebt, last quarter)
Debt = 4.64b USD (from shortLongTermDebtTotal, last quarter) + Leases 60.0m
Net Debt = 3.41b USD (calculated: Debt 4.64b - CCE 1.23b)
Enterprise Value = 7.71b USD (4.30b + Debt 4.64b - CCE 1.23b)
Interest Coverage Ratio = 1.65 (Ebit TTM 372.9m / Interest Expense TTM 226.2m)
EV/FCF = 12.53x (Enterprise Value 7.71b / FCF TTM 615.5m)
FCF Yield = 7.98% (FCF TTM 615.5m / Enterprise Value 7.71b)
FCF Margin = 13.82% (FCF TTM 615.5m / Revenue TTM 4.45b)
Net Margin = 2.29% (Net Income TTM 102.1m / Revenue TTM 4.45b)
Gross Margin = 35.11% ((Revenue TTM 4.45b - Cost of Revenue TTM 2.89b) / Revenue TTM)
Gross Margin QoQ = 34.97% (prev 37.85%)
Tobins Q-Ratio = 0.88 (Enterprise Value 7.71b / Total Assets 8.76b)
Interest Expense / Debt = 4.87% (Interest Expense 226.2m / Debt 4.64b)
Taxrate = 18.52% (31.7m / 171.2m)
NOPAT = 303.9m (EBIT 372.9m * (1 - 18.52%))
Current Ratio = 1.22 (Total Current Assets 2.06b / Total Current Liabilities 1.69b)
Debt / Equity = 2.81 (Debt 4.64b / totalStockholderEquity, last quarter 1.65b)
Debt / EBITDA = 3.99 (Net Debt 3.41b / EBITDA 855.4m)
Debt / FCF = 5.55 (Net Debt 3.41b / FCF TTM 615.5m)
Total Stockholder Equity = 1.59b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.48% (Net Income 102.1m / Total Assets 8.76b)
RoE = 6.42% (Net Income TTM 102.1m / Total Stockholder Equity 1.59b)
RoCE = 6.11% (EBIT 372.9m / Capital Employed (Equity 1.59b + L.T.Debt 4.51b))
RoIC = 4.42% (NOPAT 303.9m / Invested Capital 6.88b)
WACC = 7.87% (E(4.30b)/V(8.94b) * Re(12.08%) + D(4.64b)/V(8.94b) * Rd(4.87%) * (1-Tc(0.19)))
Discount Rate = 12.08% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 28.89 | Cagr: 10.31%
[DCF] Terminal Value 77.97% ; FCFF base≈558.3m ; Y1≈640.0m ; Y5≈941.9m
[DCF] Fair Price = 135.7 (EV 14.2b - Net Debt 3.41b = Equity 10.8b / Shares 79.3m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 78.13 | EPS CAGR: 21.05% | SUE: -0.77 | # QB: 0
Revenue Correlation: 99.85 | Revenue CAGR: 27.38% | SUE: 0.78 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.24 | Chg30d=-1.14% | Revisions=-64% | Analysts=20
EPS next Quarter (2026-09-30): EPS=1.63 | Chg30d=-0.67% | Revisions=+45% | Analysts=20
EPS current Year (2026-12-31): EPS=5.59 | Chg30d=+0.24% | Revisions=+8% | GrowthEPS=+8.2% | GrowthRev=+21.9%
EPS next Year (2027-12-31): EPS=6.76 | Chg30d=+1.29% | Revisions=+0% | GrowthEPS=+20.9% | GrowthRev=+13.8%
[Analyst] Revisions Ratio: -64%