(FOUR) Shift4 Payments - Overview
Sector: Technology | Industry: Software - Infrastructure | Exchange: NYSE (USA) | Market Cap: 4.139m USD | Total Return: -52.8% in 12m
Payment Processing, POS Systems, E-commerce Software, Business Intelligence
Total Rating 27
Safety 63
Buy Signal 0.21
Software - Infrastructure
Industry Rotation: +27.7
Industry Rotation: +27.7
Market Cap:
4.14B
Avg Turnover: 76.9M
Avg Turnover: 76.9M
Risk 3d forecast
Volatility49.5%
VaR 5th Pctl7.65%
VaR vs Median-7.67%
Reward TTM
Sharpe Ratio-1.23
Rel. Str. IBD2
Rel. Str. Peer Group2.1
Character TTM
Beta1.711
Beta Downside1.740
Hurst Exponent0.350
Drawdowns 3y
Max DD67.95%
CAGR/Max DD-0.20
CAGR/Mean DD-0.59
EPS (Earnings per Share)
EPS CAGR: 33.31%
EPS Trend: 88.9%
EPS Trend: 88.9%
Last SUE: -1.14
Qual. Beats: -1
Qual. Beats: -1
Revenue
Rev. CAGR: 23.58%
Rev. Trend: 98.0%
Rev. Trend: 98.0%
Last SUE: 0.78
Qual. Beats: 0
Qual. Beats: 0
Warnings
Altman Z'' 0.51 < 1.0 - financial distress zone
Tailwinds
No distinct edge detected
Description: FOUR Shift4 Payments
Shift4 Payments Inc. (FOUR) is a global provider of integrated payment processing and technology solutions. The company operates a proprietary ecosystem that facilitates omnichannel card acceptance across credit, debit, mobile wallets, and alternative payment methods. Its technology stack includes the SkyTab point-of-sale (POS) suite, the Lighthouse business intelligence platform, and Shift4Shop, an e-commerce management tool. Shift4 serves diverse sectors including hospitality, leisure, and retail through a distribution network of independent software vendors and internal sales teams.
The company utilizes a merchant-acquiring business model, generating revenue primarily through transaction-based fees and subscription software charges. In the competitive data processing sector, integrated payment providers often achieve higher retention by embedding their hardware and software directly into a merchants operational workflow. This vertical integration allows Shift4 to capture a larger portion of the payment value chain compared to standalone processors.
For a more detailed analysis of the companys competitive positioning and valuation, consider reviewing the latest data on ValueRay. Shift4 continues to scale its international footprint and expand its presence in high-volume venues and stadium environments.
- End-to-end payment volume growth in stadium and entertainment venues
- International expansion into European and African markets through strategic acquisitions
- Profit margin sensitivity to shifts between legacy and high-growth merchant categories
- Integration of SkyTab POS ecosystem increases recurring software and processing revenue
- Interest rate fluctuations impact consumer discretionary spending in hospitality and travel sectors
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 -2.04 > 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 (4.11b) to EBITDA (862.4m): 4.76 < 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 0.30%; Δ 3.48k% > 0.5%) |
| Asset Turnover: 64.72% > 50% (prev 69.38%; Δ -4.66% > 0%) |
| Interest Coverage Ratio: 1.68 > 6 (EBITDA TTM 862.4m / Interest Expense TTM 226.2m) |
Altman Z''
0.51
| 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: 0.06 (EBIT TTM 379.9m / Avg Total Assets 6.88b) |
| D: 0.09 (Book Value of Equity 648.0m / Total Liabilities 6.98b) |
| Altman-Z'' Score: 0.51 = B |
Beneish M
-2.37
| DSRI: 1.64 (Receivables 694.0m/330.6m, Revenue 4.45b/3.47b) |
| GMI: 0.86 (GM 35.11% / 30.02%) |
| 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-Score: -2.37 (Cap -4..+1) = BBB |
What is the price of FOUR shares?
As of May 16, 2026, the stock is trading at USD 42.02 with a total of 1,089,628 shares traded.
Over the past week, the price has changed by -1.32%, over one month by -12.48%, over three months by -25.31% and over the past year by -52.79%.
Over the past week, the price has changed by -1.32%, over one month by -12.48%, over three months by -25.31% and over the past year by -52.79%.
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 | 61.5 | 46.4% |
Shift4 Payments (FOUR) - Fundamental Data Overview
as of 15 May 2026
P/E Trailing = 47.9885 P/E Forward = 7.6336
P/S = 0.9294
P/B = 2.0435
P/EG = 0.3052
Revenue TTM = 4.45b USD
EBIT TTM = 379.9m USD
EBITDA TTM = 862.4m USD
Long Term Debt = 4.51b USD (from longTermDebt, last quarter)
Short Term Debt = 28.0m USD (from shortTermDebt, last quarter)
Debt = 4.58b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 4.11b USD (from netDebt column, last quarter)
Enterprise Value = 7.49b USD (4.14b + Debt 4.58b - CCE 1.23b)
Interest Coverage Ratio = 1.68 (Ebit TTM 379.9m / Interest Expense TTM 226.2m)
EV/FCF = 11.55x (Enterprise Value 7.49b / FCF TTM 648.5m)
FCF Yield = 8.66% (FCF TTM 648.5m / Enterprise Value 7.49b)
FCF Margin = 14.56% (FCF TTM 648.5m / 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 = 0.86 (Enterprise Value 7.49b / Total Assets 8.76b)
Interest Expense / Debt = 1.42% (Interest Expense 65.0m / Debt 4.58b)
Taxrate = 24.62% (48.0m / 195.0m)
NOPAT = 286.4m (EBIT 379.9m * (1 - 24.62%))
Current Ratio = 1.22 (Total Current Assets 2.06b / Total Current Liabilities 1.69b)
Debt / Equity = 2.77 (Debt 4.58b / totalStockholderEquity, last quarter 1.65b)
Debt / EBITDA = 4.76 (Net Debt 4.11b / EBITDA 862.4m)
Debt / FCF = 6.34 (Net Debt 4.11b / FCF TTM 648.5m)
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 = 6.23% (EBIT 379.9m / Capital Employed (Equity 1.59b + L.T.Debt 4.51b))
RoIC = 5.47% (NOPAT 286.4m / Invested Capital 5.24b)
WACC = 6.26% (E(4.14b)/V(8.72b) * Re(12.0%) + D(4.58b)/V(8.72b) * Rd(1.42%) * (1-Tc(0.25)))
Discount Rate = 12.0% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -9.47%
[DCF] Terminal Value 87.52% ; FCFF base≈578.1m ; Y1≈713.2m ; Y5≈1.22b
[DCF] Fair Price = 357.4 (EV 32.46b - Net Debt 4.11b = Equity 28.35b / Shares 79.3m; r=6.26% [WACC]; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 88.90 | EPS CAGR: 33.31% | SUE: -1.14 | # QB: -1
Revenue Correlation: 97.96 | Revenue CAGR: 23.58% | SUE: 0.78 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.25 | Chg30d=-5.48% | Revisions=-40% | Analysts=21
EPS next Quarter (2026-09-30): EPS=1.64 | Chg30d=+2.64% | Revisions=+33% | Analysts=21
EPS current Year (2026-12-31): EPS=5.58 | Chg30d=-0.31% | Revisions=-10% | GrowthEPS=+7.9% | GrowthRev=+22.2%
EPS next Year (2027-12-31): EPS=6.68 | Chg30d=-2.07% | Revisions=+5% | GrowthEPS=+19.7% | GrowthRev=+13.7%
[Analyst] Revisions Ratio: -40%