(FOUR) Shift4 Payments - Ratings and Ratios
Payment Processing, Cloud POS, Mobile Wallet, Ecommerce Platform, Analytics
FOUR EPS (Earnings per Share)
FOUR Revenue
Description: FOUR Shift4 Payments
Shift4 Payments, Inc. (NYSE:FOUR) is a leading provider of software and payment processing solutions in the United States and internationally. The companys comprehensive payments platform enables omni-channel card acceptance and processing across multiple payment types, including traditional credit and debit cards, contactless payments, and alternative payment methods like Apple Pay and Google Pay.
The companys technology solutions, such as SkyTab POS, SkyTab Mobile, and Lighthouse, provide a range of tools for merchants to manage their businesses, including point-of-sale workstations, pay-at-the-table and order-at-the-table solutions, and business intelligence analytics. Additionally, Shift4 Payments offers ecommerce platforms, cryptocurrency donation marketplaces, and integrations with third-party applications through its Marketplace platform.
From a financial perspective, Shift4 Payments has demonstrated strong growth and profitability, with a return on equity (ROE) of 27.95%. The companys market capitalization stands at $9.326 billion, with a forward price-to-earnings (P/E) ratio of 19.57. Key performance indicators (KPIs) to watch include revenue growth, gross margin expansion, and customer acquisition costs. The companys ability to expand its customer base and increase average revenue per user (ARPU) will be crucial in driving future growth.
To evaluate the stocks potential, its essential to analyze its trading metrics. The stock is currently trading at $106.70, with support levels at $104.4, $95.4, and $88.4. Resistance levels are at $107.7 and $117.3. Monitoring the stocks price action and trading volume will help identify potential buy or sell signals. Additionally, metrics like the short interest ratio and institutional ownership can provide insights into market sentiment and potential price movements.
FOUR Stock Overview
| Market Cap in USD | 7,883m |
| Sub-Industry | Data Processing & Outsourced Services |
| IPO / Inception | 2020-06-05 |
FOUR Stock Ratings
| Growth Rating | 41.3% |
| Fundamental | 62.1% |
| Dividend Rating | - |
| Return 12m vs S&P 500 | -12.8% |
| Analyst Rating | 4.35 of 5 |
FOUR Dividends
Currently no dividends paidFOUR Growth Ratios
| Growth Correlation 3m | -63.6% |
| Growth Correlation 12m | -19.9% |
| Growth Correlation 5y | 37.5% |
| CAGR 5y | 22.05% |
| CAGR/Max DD 3y | 0.52 |
| CAGR/Mean DD 3y | 1.57 |
| Sharpe Ratio 12m | 0.79 |
| Alpha | 0.11 |
| Beta | 0.738 |
| Volatility | 42.00% |
| Current Volume | 1035.9k |
| Average Volume 20d | 1315.5k |
| Stop Loss | 83.4 (-3.4%) |
| Signal | 0.28 |
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income (220.5m TTM) > 0 and > 6% of Revenue (6% = 216.6m TTM) |
| FCFTA 0.07 (>2.0%) and ΔFCFTA -1.74pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 63.33% (prev 8.28%; Δ 55.05pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.08 (>3.0%) and CFO 566.0m > Net Income 220.5m (YES >=105%, WARN >=100%) |
| Net Debt (739.3m) to EBITDA (430.8m) ratio: 1.72 <= 3.0 (WARN <= 3.5) |
| Current Ratio 2.53 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (89.3m) change vs 12m ago 32.72% (target <= -2.0% for YES) |
| Gross Margin 30.55% (prev 27.27%; Δ 3.27pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 68.87% (prev 83.43%; Δ -14.55pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.85 (EBITDA TTM 430.8m / Interest Expense TTM 113.5m) >= 6 (WARN >= 3) |
Altman Z'' 2.08
| (A) 0.33 = (Total Current Assets 3.78b - Total Current Liabilities 1.49b) / Total Assets 6.99b |
| (B) -0.04 = Retained Earnings (Balance) -296.4m / Total Assets 6.99b |
| (C) 0.02 = EBIT TTM 96.4m / Avg Total Assets 5.24b |
| (D) -0.05 = Book Value of Equity -233.5m / Total Liabilities 5.00b |
| Total Rating: 2.08 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 62.06
| 1. Piotroski 5.0pt = 0.0 |
| 2. FCF Yield 5.70% = 2.85 |
| 3. FCF Margin 13.58% = 3.40 |
| 4. Debt/Equity 2.35 = 0.24 |
| 5. Debt/Ebitda 8.69 = -2.50 |
| 6. ROIC - WACC (= -4.32)% = -5.40 |
| 7. RoE 21.96% = 1.83 |
| 8. Rev. Trend 96.71% = 7.25 |
| 9. EPS Trend 87.82% = 4.39 |
What is the price of FOUR shares?
Over the past week, the price has changed by -1.07%, over one month by -4.28%, over three months by -5.64% and over the past year by +3.56%.
Is Shift4 Payments a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of FOUR is around 80.27 USD . This means that FOUR is currently overvalued and has a potential downside of -7.01%.
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 | 110.6 | 28.2% |
| Analysts Target Price | 110.6 | 28.2% |
| ValueRay Target Price | 87.6 | 1.4% |
Last update: 2025-09-03 04:37
FOUR Fundamental Data Overview
CCE Cash And Equivalents = 3.03b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 33.5113
P/E Forward = 16.9205
P/S = 2.1832
P/B = 10.0278
P/EG = 0.5127
Beta = 1.811
Revenue TTM = 3.61b USD
EBIT TTM = 96.4m USD
EBITDA TTM = 430.8m USD
Long Term Debt = 3.04b USD (from longTermDebt, last quarter)
Short Term Debt = 699.4m USD (from shortTermDebt, last quarter)
Debt = 3.74b USD (Calculated: Short Term 699.4m + Long Term 3.04b)
Net Debt = 739.3m USD (from netDebt column, last quarter)
Enterprise Value = 8.60b USD (7.88b + Debt 3.74b - CCE 3.03b)
Interest Coverage Ratio = 0.85 (Ebit TTM 96.4m / Interest Expense TTM 113.5m)
FCF Yield = 5.70% (FCF TTM 490.4m / Enterprise Value 8.60b)
FCF Margin = 13.58% (FCF TTM 490.4m / Revenue TTM 3.61b)
Net Margin = 6.11% (Net Income TTM 220.5m / Revenue TTM 3.61b)
Gross Margin = 30.55% ((Revenue TTM 3.61b - Cost of Revenue TTM 2.51b) / Revenue TTM)
Tobins Q-Ratio = -36.81 (set to none) (Enterprise Value 8.60b / Book Value Of Equity -233.5m)
Interest Expense / Debt = 1.05% (Interest Expense 39.4m / Debt 3.74b)
Taxrate = 26.21% (14.6m / 55.7m)
NOPAT = 71.1m (EBIT 96.4m * (1 - 26.21%))
Current Ratio = 2.53 (Total Current Assets 3.78b / Total Current Liabilities 1.49b)
Debt / Equity = 2.35 (Debt 3.74b / last Quarter total Stockholder Equity 1.59b)
Debt / EBITDA = 8.69 (Net Debt 739.3m / EBITDA 430.8m)
Debt / FCF = 7.63 (Debt 3.74b / FCF TTM 490.4m)
Total Stockholder Equity = 1.00b (last 4 quarters mean)
RoA = 3.15% (Net Income 220.5m, Total Assets 6.99b )
RoE = 21.96% (Net Income TTM 220.5m / Total Stockholder Equity 1.00b)
RoCE = 2.38% (Ebit 96.4m / (Equity 1.00b + L.T.Debt 3.04b))
RoIC = 1.86% (NOPAT 71.1m / Invested Capital 3.82b)
WACC = 6.18% (E(7.88b)/V(11.63b) * Re(8.74%)) + (D(3.74b)/V(11.63b) * Rd(1.05%) * (1-Tc(0.26)))
Shares Correlation 3-Years: 33.33 | Cagr: 0.84%
Discount Rate = 8.74% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 79.21% ; FCFE base≈416.6m ; Y1≈514.0m ; Y5≈876.9m
Fair Price DCF = 194.2 (DCF Value 13.07b / Shares Outstanding 67.3m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 87.82 | EPS CAGR: 39.54% | SUE: -0.69 | # QB: 0
Revenue Correlation: 96.71 | Revenue CAGR: 22.96% | SUE: N/A | # QB: None
Additional Sources for FOUR Stock
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