(FOUR) Shift4 Payments - Ratings and Ratios
Payment Processing, POS Hardware, Business Analytics, Ecommerce Platform
Dividends
Currently no dividends paid| Risk via 10d forecast | |
|---|---|
| Volatility | 49.7% |
| Value at Risk 5%th | 71.0% |
| Relative Tail Risk | -13.18% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.72 |
| Alpha | -49.73 |
| CAGR/Max DD | 0.18 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.574 |
| Beta | 1.277 |
| Beta Downside | 1.382 |
| Drawdowns 3y | |
|---|---|
| Max DD | 47.81% |
| Mean DD | 17.42% |
| Median DD | 15.94% |
Description: FOUR Shift4 Payments November 04, 2025
Shift4 Payments, Inc. (NYSE:FOUR) delivers an integrated suite of software and payment-processing solutions to merchants in the United States and abroad, covering omni-channel card acceptance and a broad array of payment methods-including credit, debit, contactless, QR codes, mobile wallets, and alternative options such as Apple Pay, Google Pay, Alipay and WeChat Pay.
Its product portfolio spans the SkyTab family (POS workstations, mobile ordering, venue-level solutions), the Lighthouse cloud-based business-intelligence suite, the cryptocurrency-donation marketplace The Giving Block, the Shift4Shop e-commerce platform, and a Marketplace that links third-party applications, loyalty programs, and inventory tools. The company also provides end-to-end merchant services-underwriting, onboarding, risk management, training and support-as well as partner-focused integration and compliance services.
Shift4 distributes its offerings through independent software vendors, an internal sales and support organization, enterprise accounts and value-added resellers. Founded in 1999 and headquartered in Center Valley, Pennsylvania, the firm operates within the Data Processing & Outsourced Services sub-industry.
Key recent metrics: FY 2023 revenue reached approximately **$1.5 billion**, up **~23 % YoY**, while processed transaction volume surpassed **$200 billion**. Adjusted EBITDA margin hovered around **12 %**, reflecting the scalability of its integrated platform. Growth is being driven by two sector trends-(1) the continued acceleration of omnichannel commerce, which pushes merchants toward unified payment stacks, and (2) the rising adoption of alternative and digital-currency payment methods, a space where Shift4’s Giving Block gives it a first-mover edge.
For a deeper quantitative dive, the ValueRay platform offers a granular breakdown of Shift4’s valuation multiples and sensitivity analyses.
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (194.8m TTM) > 0 and > 6% of Revenue (6% = 232.7m TTM) |
| FCFTA 0.06 (>2.0%) and ΔFCFTA -4.37pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 19.13% (prev 44.18%; Δ -25.04pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.06 (>3.0%) and CFO 555.7m > Net Income 194.8m (YES >=105%, WARN >=100%) |
| Net Debt (3.28b) to EBITDA (772.4m) ratio: 4.24 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1.38 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (90.7m) change vs 12m ago 1.48% (target <= -2.0% for YES) |
| Gross Margin 32.61% (prev 28.01%; Δ 4.60pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 55.25% (prev 62.37%; Δ -7.12pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 2.82 (EBITDA TTM 772.4m / Interest Expense TTM 138.5m) >= 6 (WARN >= 3) |
Altman Z'' 0.78
| (A) 0.08 = (Total Current Assets 2.70b - Total Current Liabilities 1.96b) / Total Assets 8.99b |
| (B) -0.03 = Retained Earnings (Balance) -283.4m / Total Assets 8.99b |
| (C) 0.06 = EBIT TTM 390.2m / Avg Total Assets 7.02b |
| (D) -0.03 = Book Value of Equity -236.3m / Total Liabilities 6.76b |
| Total Rating: 0.78 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 62.23
| 1. Piotroski 3.50pt |
| 2. FCF Yield 5.32% |
| 3. FCF Margin 12.88% |
| 4. Debt/Equity 2.87 |
| 5. Debt/Ebitda 4.24 |
| 6. ROIC - WACC (= -1.18)% |
| 7. RoE 15.99% |
| 8. Rev. Trend 97.75% |
| 9. EPS Trend 74.81% |
What is the price of FOUR shares?
Over the past week, the price has changed by -8.44%, over one month by -5.84%, over three months by -23.50% and over the past year by -35.09%.
Is FOUR a buy, sell or hold?
- Strong Buy: 13
- Buy: 5
- Hold: 5
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the FOUR price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 95.9 | 43.6% |
| Analysts Target Price | 95.9 | 43.6% |
| ValueRay Target Price | 59 | -11.7% |
FOUR Fundamental Data Overview November 25, 2025
P/E Trailing = 32.2477
P/E Forward = 10.9051
P/S = 1.5768
P/B = 6.8186
P/EG = 0.3409
Beta = 1.684
Revenue TTM = 3.88b USD
EBIT TTM = 390.2m USD
EBITDA TTM = 772.4m USD
Long Term Debt = 4.02b USD (from longTermDebt, last quarter)
Short Term Debt = 717.4m USD (from shortTermDebt, last quarter)
Debt = 4.79b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 3.28b USD (from netDebt column, last quarter)
Enterprise Value = 9.39b USD (6.12b + Debt 4.79b - CCE 1.51b)
Interest Coverage Ratio = 2.82 (Ebit TTM 390.2m / Interest Expense TTM 138.5m)
FCF Yield = 5.32% (FCF TTM 499.4m / Enterprise Value 9.39b)
FCF Margin = 12.88% (FCF TTM 499.4m / Revenue TTM 3.88b)
Net Margin = 5.02% (Net Income TTM 194.8m / Revenue TTM 3.88b)
Gross Margin = 32.61% ((Revenue TTM 3.88b - Cost of Revenue TTM 2.61b) / Revenue TTM)
Gross Margin QoQ = 36.45% (prev 30.27%)
Tobins Q-Ratio = 1.04 (Enterprise Value 9.39b / Total Assets 8.99b)
Interest Expense / Debt = 0.90% (Interest Expense 43.3m / Debt 4.79b)
Taxrate = 44.79% (27.1m / 60.5m)
NOPAT = 215.4m (EBIT 390.2m * (1 - 44.79%))
Current Ratio = 1.38 (Total Current Assets 2.70b / Total Current Liabilities 1.96b)
Debt / Equity = 2.87 (Debt 4.79b / totalStockholderEquity, last quarter 1.67b)
Debt / EBITDA = 4.24 (Net Debt 3.28b / EBITDA 772.4m)
Debt / FCF = 6.56 (Net Debt 3.28b / FCF TTM 499.4m)
Total Stockholder Equity = 1.22b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.17% (Net Income 194.8m / Total Assets 8.99b)
RoE = 15.99% (Net Income TTM 194.8m / Total Stockholder Equity 1.22b)
RoCE = 7.45% (EBIT 390.2m / Capital Employed (Equity 1.22b + L.T.Debt 4.02b))
RoIC = 5.05% (NOPAT 215.4m / Invested Capital 4.27b)
WACC = 6.23% (E(6.12b)/V(10.90b) * Re(10.72%) + D(4.79b)/V(10.90b) * Rd(0.90%) * (1-Tc(0.45)))
Discount Rate = 10.72% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 23.92%
[DCF Debug] Terminal Value 73.24% ; FCFE base≈500.0m ; Y1≈616.8m ; Y5≈1.05b
Fair Price DCF = 170.5 (DCF Value 11.52b / Shares Outstanding 67.6m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 74.81 | EPS CAGR: 117.3% | SUE: 0.0 | # QB: 0
Revenue Correlation: 97.75 | Revenue CAGR: 33.40% | SUE: -0.09 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.17 | Chg30d=+0.023 | Revisions Net=-2 | Analysts=15
EPS next Year (2026-12-31): EPS=6.66 | Chg30d=-0.163 | Revisions Net=+3 | Growth EPS=+27.3% | Growth Revenue=+23.9%
Additional Sources for FOUR Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle