Overview Dividends

(FOUR) Shift4 Payments - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US82452J1097

Payment Processing, POS Software, Ecommerce Platform, Business Intelligence, Loyalty Management

FOUR EPS (Earnings per Share)

EPS Growth (3Y CAGR): -50.59%
EPS Trend (3Y Correlation): 15.3%

FOUR Revenue

Revenue Growth (3Y CAGR): 22.96%
Revenue Trend (3Y Correlation): 96.7%

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.

FOUR Stock Overview

Market Cap in USD	6,111m
Sub-Industry	Data Processing & Outsourced Services
IPO / Inception	2020-06-05

FOUR Stock Ratings

Growth Rating	-2.61%
Fundamental	60.1%
Dividend Rating	-
Return 12m vs S&P 500	-40.5%
Analyst Rating	4.35 of 5

FOUR Dividends

Currently no dividends paid

FOUR Growth Ratios

Growth Correlation 3m	-95.9%
Growth Correlation 12m	-62.9%
Growth Correlation 5y	34.5%
CAGR 5y	11.95%
CAGR/Max DD 3y (Calmar Ratio)	0.25
CAGR/Mean DD 3y (Pain Ratio)	0.72
Sharpe Ratio 12m	-0.43
Alpha	-53.60
Beta	1.688
Volatility	47.95%
Current Volume	4253.2k
Average Volume 20d	2018.4k
Stop Loss	63.4 (-4.2%)
Signal	-0.27

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

(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) 60.08

1. Piotroski 5.0pt = 0.0

2. FCF Yield 7.16% = 3.58

3. FCF Margin 13.58% = 3.40

4. Debt/Equity 2.37 = 0.21

5. Debt/Ebitda 1.72 = 0.55

6. ROIC - WACC (= -6.01)% = -7.51

7. RoE 21.96% = 1.83

8. Rev. Trend 96.71% = 7.25

9. EPS Trend 15.30% = 0.76

What is the price of FOUR shares?

As of November 10, 2025, the stock is trading at USD 66.15 with a total of 4,253,157 shares traded.
Over the past week, the price has changed by -4.27%, over one month by -15.30%, over three months by -20.61% and over the past year by -32.18%.

Is Shift4 Payments a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, Shift4 Payments is currently (November 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 60.08 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of FOUR is around 54.00 USD . This means that FOUR is currently overvalued and has a potential downside of -18.37%.

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.

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	105.1	58.9%
Analysts Target Price	105.1	58.9%
ValueRay Target Price	59.9	-9.5%

FOUR Fundamental Data Overview November 03, 2025

Market Cap USD = 6.11b (6.11b USD * 1.0 USD.USD)
P/E Trailing = 25.9774
P/E Forward = 11.3379
P/S = 1.6924
P/B = 8.7382
P/EG = 0.3438
Beta = 1.688
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 = 3.77b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 739.3m USD (from netDebt column, last quarter)
Enterprise Value = 6.85b USD (6.11b + Debt 3.77b - CCE 3.03b)
Interest Coverage Ratio = 0.85 (Ebit TTM 96.4m / Interest Expense TTM 113.5m)
FCF Yield = 7.16% (FCF TTM 490.4m / Enterprise Value 6.85b)
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)
Gross Margin QoQ = 30.27% (prev 30.30%)
Tobins Q-Ratio = 0.98 (Enterprise Value 6.85b / Total Assets 6.99b)
Interest Expense / Debt = 1.05% (Interest Expense 39.4m / Debt 3.77b)
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 = 2.37 (Debt 3.77b / totalStockholderEquity, last quarter 1.59b)
Debt / EBITDA = 1.72 (Net Debt 739.3m / EBITDA 430.8m)
Debt / FCF = 1.51 (Net Debt 739.3m / FCF TTM 490.4m)
Total Stockholder Equity = 1.00b (last 4 quarters mean from totalStockholderEquity)
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 / Capital Employed (Equity 1.00b + L.T.Debt 3.04b))
RoIC = 1.86% (NOPAT 71.1m / Invested Capital 3.82b)
WACC = 7.87% (E(6.11b)/V(9.88b) * Re(12.24%) + D(3.77b)/V(9.88b) * Rd(1.05%) * (1-Tc(0.26)))
Discount Rate = 12.24% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 22.95%
[DCF Debug] Terminal Value 69.01% ; FCFE base≈416.6m ; Y1≈514.0m ; Y5≈876.9m
Fair Price DCF = 118.2 (DCF Value 7.95b / Shares Outstanding 67.3m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 15.30 | EPS CAGR: -50.59% | SUE: -4.0 | # QB: 0
Revenue Correlation: 96.71 | Revenue CAGR: 22.96% | SUE: -0.26 | # QB: 0

Additional Sources for FOUR Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
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Fund Manager Positions: Dataroma | Stockcircle