(FOUR) Shift4 Payments - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US82452J1097
Stock: Payments, Software, Commerce, Technology
Total Rating 20
Risk 62
Buy Signal -1.05
| Risk 5d forecast | |
|---|---|
| Volatility | 93.9% |
| Relative Tail Risk | -15.4% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -1.20 |
| Alpha | -79.72 |
| Character TTM | |
|---|---|
| Beta | 1.704 |
| Beta Downside | 1.751 |
| Drawdowns 3y | |
|---|---|
| Max DD | 64.93% |
| CAGR/Max DD | -0.20 |
EPS (Earnings per Share)
Revenue
Description: FOUR Shift4 Payments March 04, 2026
Shift4 Payments, Inc. (FOUR) provides software and payment processing solutions. The company operates in the financial technology sector, processing various payment types, including traditional card payments and mobile wallets. This dual offering of software and processing is a common model in the payments industry, allowing companies to capture revenue from both technology licensing and transaction fees.
FOUR offers a suite of technology solutions. These include point-of-sale systems like SkyTab POS, mobile ordering platforms, business intelligence tools (Lighthouse), and an e-commerce platform (Shift4Shop). The company also supports emerging payment technologies, such as cryptocurrency donations through The Giving Block. This broad product portfolio aims to address diverse merchant needs.
The company provides comprehensive merchant and software partner support services. These services range from onboarding and risk management to software integrations and compliance. Distribution channels include independent software vendors and direct enterprise sales, a typical approach for B2B technology providers. For more in-depth analysis, consider researching FOURs financial performance and market position on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 103.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.07 > 0.02 and ΔFCF/TA -3.40 > 1.0 |
| NWC/Revenue: 20.74% < 20% (prev 15.93%; Δ 4.81% < -1%) |
| CFO/TA 0.07 > 3% & CFO 634.3m > Net Income 103.8m |
| Net Debt (3.65b) to EBITDA (792.5m): 4.61 < 3 |
| Current Ratio: 1.66 > 1.5 & < 3 |
| Outstanding Shares: last quarter (67.4m) vs 12m ago -24.97% < -2% |
| Gross Margin: 34.17% > 18% (prev 0.29%; Δ 3388 % > 0.5%) |
| Asset Turnover: 60.79% > 50% (prev 66.06%; Δ -5.28% > 0%) |
| Interest Coverage Ratio: 1.90 > 6 (EBITDA TTM 792.5m / Interest Expense TTM 189.7m) |
Altman Z'' 0.76
| A: 0.10 (Total Current Assets 2.18b - Total Current Liabilities 1.31b) / Total Assets 8.71b |
| B: -0.05 (Retained Earnings -467.0m / Total Assets 8.71b) |
| C: 0.05 (EBIT TTM 359.8m / Avg Total Assets 6.88b) |
| D: -0.06 (Book Value of Equity -420.0m / Total Liabilities 6.76b) |
| Altman-Z'' Score: 0.76 = B |
Beneish M -2.33
| DSRI: 1.70 (Receivables 742.0m/348.7m, Revenue 4.18b/3.33b) |
| GMI: 0.86 (GM 34.17% / 29.22%) |
| AQI: 1.23 (AQ_t 0.71 / AQ_t-1 0.58) |
| SGI: 1.26 (Revenue 4.18b / 3.33b) |
| TATA: -0.06 (NI 103.8m - CFO 634.3m) / TA 8.71b) |
| Beneish M-Score: -2.33 (Cap -4..+1) = BBB |
What is the price of FOUR shares?
As of March 05, 2026, the stock is trading at USD 47.46 with a total of 4,020,536 shares traded.
Over the past week, the price has changed by -17.27%, over one month by -18.47%, over three months by -31.57% and over the past year by -49.29%.
Over the past week, the price has changed by -17.27%, over one month by -18.47%, over three months by -31.57% and over the past year by -49.29%.
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?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 69.9 | 47.3% |
| Analysts Target Price | 69.9 | 47.3% |
FOUR Fundamental Data Overview March 04, 2026
P/E Trailing = 21.9346
P/E Forward = 7.1073
P/S = 0.9952
P/B = 4.3544
P/EG = 0.2733
Revenue TTM = 4.18b USD
EBIT TTM = 359.8m USD
EBITDA TTM = 792.5m USD
Long Term Debt = 4.02b USD (from longTermDebt, two quarters ago)
Short Term Debt = 27.0m USD (from shortTermDebt, last quarter)
Debt = 4.62b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 3.65b USD (from netDebt column, last quarter)
Enterprise Value = 7.81b USD (4.16b + Debt 4.62b - CCE 964.0m)
Interest Coverage Ratio = 1.90 (Ebit TTM 359.8m / Interest Expense TTM 189.7m)
EV/FCF = 13.08x (Enterprise Value 7.81b / FCF TTM 597.3m)
FCF Yield = 7.65% (FCF TTM 597.3m / Enterprise Value 7.81b)
FCF Margin = 14.29% (FCF TTM 597.3m / Revenue TTM 4.18b)
Net Margin = 2.48% (Net Income TTM 103.8m / Revenue TTM 4.18b)
Gross Margin = 34.17% ((Revenue TTM 4.18b - Cost of Revenue TTM 2.75b) / Revenue TTM)
Gross Margin QoQ = 37.85% (prev 36.45%)
Tobins Q-Ratio = 0.90 (Enterprise Value 7.81b / Total Assets 8.71b)
Interest Expense / Debt = 1.32% (Interest Expense 61.0m / Debt 4.62b)
Taxrate = 20.90% (14.0m / 67.0m)
NOPAT = 284.6m (EBIT 359.8m * (1 - 20.90%))
Current Ratio = 1.66 (Total Current Assets 2.18b / Total Current Liabilities 1.31b)
Debt / Equity = 3.20 (Debt 4.62b / totalStockholderEquity, last quarter 1.44b)
Debt / EBITDA = 4.61 (Net Debt 3.65b / EBITDA 792.5m)
Debt / FCF = 6.11 (Net Debt 3.65b / FCF TTM 597.3m)
Total Stockholder Equity = 1.38b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.51% (Net Income 103.8m / Total Assets 8.71b)
RoE = 7.54% (Net Income TTM 103.8m / Total Stockholder Equity 1.38b)
RoCE = 6.67% (EBIT 359.8m / Capital Employed (Equity 1.38b + L.T.Debt 4.02b))
RoIC = 6.36% (NOPAT 284.6m / Invested Capital 4.47b)
WACC = 6.33% (E(4.16b)/V(8.78b) * Re(12.19%) + D(4.62b)/V(8.78b) * Rd(1.32%) * (1-Tc(0.21)))
Discount Rate = 12.19% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 6.85%
[DCF] Terminal Value 86.91% ; FCFF base≈565.2m ; Y1≈697.2m ; Y5≈1.19b
[DCF] Fair Price = 392.5 (EV 30.17b - Net Debt 3.65b = Equity 26.52b / Shares 67.6m; r=6.33% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 91.17 | EPS CAGR: 87.99% | SUE: -0.11 | # QB: 0
Revenue Correlation: 97.79 | Revenue CAGR: 33.54% | SUE: -0.34 | # QB: 0
EPS next Quarter (2026-06-30): EPS=1.33 | Chg7d=-0.201 | Chg30d=-0.223 | Revisions Net=-8 | Analysts=18
EPS current Year (2026-12-31): EPS=5.61 | Chg7d=-0.935 | Chg30d=-1.008 | Revisions Net=-16 | Growth EPS=+8.5% | Growth Revenue=+21.3%
EPS next Year (2027-12-31): EPS=6.88 | Chg7d=-0.853 | Chg30d=-0.890 | Revisions Net=-11 | Growth EPS=+22.6% | Growth Revenue=+14.5%
[Analyst] Revisions Ratio: -0.80 (1 Up / 9 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 7.6% (Discount Rate 12.2% - Earnings Yield 4.6%)
[Growth] Growth Spread = +19.2% (Analyst 26.8% - Implied 7.6%)
P/E Forward = 7.1073
P/S = 0.9952
P/B = 4.3544
P/EG = 0.2733
Revenue TTM = 4.18b USD
EBIT TTM = 359.8m USD
EBITDA TTM = 792.5m USD
Long Term Debt = 4.02b USD (from longTermDebt, two quarters ago)
Short Term Debt = 27.0m USD (from shortTermDebt, last quarter)
Debt = 4.62b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 3.65b USD (from netDebt column, last quarter)
Enterprise Value = 7.81b USD (4.16b + Debt 4.62b - CCE 964.0m)
Interest Coverage Ratio = 1.90 (Ebit TTM 359.8m / Interest Expense TTM 189.7m)
EV/FCF = 13.08x (Enterprise Value 7.81b / FCF TTM 597.3m)
FCF Yield = 7.65% (FCF TTM 597.3m / Enterprise Value 7.81b)
FCF Margin = 14.29% (FCF TTM 597.3m / Revenue TTM 4.18b)
Net Margin = 2.48% (Net Income TTM 103.8m / Revenue TTM 4.18b)
Gross Margin = 34.17% ((Revenue TTM 4.18b - Cost of Revenue TTM 2.75b) / Revenue TTM)
Gross Margin QoQ = 37.85% (prev 36.45%)
Tobins Q-Ratio = 0.90 (Enterprise Value 7.81b / Total Assets 8.71b)
Interest Expense / Debt = 1.32% (Interest Expense 61.0m / Debt 4.62b)
Taxrate = 20.90% (14.0m / 67.0m)
NOPAT = 284.6m (EBIT 359.8m * (1 - 20.90%))
Current Ratio = 1.66 (Total Current Assets 2.18b / Total Current Liabilities 1.31b)
Debt / Equity = 3.20 (Debt 4.62b / totalStockholderEquity, last quarter 1.44b)
Debt / EBITDA = 4.61 (Net Debt 3.65b / EBITDA 792.5m)
Debt / FCF = 6.11 (Net Debt 3.65b / FCF TTM 597.3m)
Total Stockholder Equity = 1.38b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.51% (Net Income 103.8m / Total Assets 8.71b)
RoE = 7.54% (Net Income TTM 103.8m / Total Stockholder Equity 1.38b)
RoCE = 6.67% (EBIT 359.8m / Capital Employed (Equity 1.38b + L.T.Debt 4.02b))
RoIC = 6.36% (NOPAT 284.6m / Invested Capital 4.47b)
WACC = 6.33% (E(4.16b)/V(8.78b) * Re(12.19%) + D(4.62b)/V(8.78b) * Rd(1.32%) * (1-Tc(0.21)))
Discount Rate = 12.19% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 6.85%
[DCF] Terminal Value 86.91% ; FCFF base≈565.2m ; Y1≈697.2m ; Y5≈1.19b
[DCF] Fair Price = 392.5 (EV 30.17b - Net Debt 3.65b = Equity 26.52b / Shares 67.6m; r=6.33% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 91.17 | EPS CAGR: 87.99% | SUE: -0.11 | # QB: 0
Revenue Correlation: 97.79 | Revenue CAGR: 33.54% | SUE: -0.34 | # QB: 0
EPS next Quarter (2026-06-30): EPS=1.33 | Chg7d=-0.201 | Chg30d=-0.223 | Revisions Net=-8 | Analysts=18
EPS current Year (2026-12-31): EPS=5.61 | Chg7d=-0.935 | Chg30d=-1.008 | Revisions Net=-16 | Growth EPS=+8.5% | Growth Revenue=+21.3%
EPS next Year (2027-12-31): EPS=6.88 | Chg7d=-0.853 | Chg30d=-0.890 | Revisions Net=-11 | Growth EPS=+22.6% | Growth Revenue=+14.5%
[Analyst] Revisions Ratio: -0.80 (1 Up / 9 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 7.6% (Discount Rate 12.2% - Earnings Yield 4.6%)
[Growth] Growth Spread = +19.2% (Analyst 26.8% - Implied 7.6%)