(FOUR) Shift4 Payments - Ratings and Ratios
Payments Platform, SkyTab POS, Lighthouse, Shift4Shop, Marketplace
EPS (Earnings per Share)
Revenue
Dividends
Currently no dividends paid| Risk via 5d forecast | |
|---|---|
| Volatility | 49.5% |
| Value at Risk 5%th | 70.2% |
| Relative Tail Risk | -13.76% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -1.27 |
| Alpha | -68.95 |
| CAGR/Max DD | -0.06 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.321 |
| Beta | 1.290 |
| Beta Downside | 1.264 |
| Drawdowns 3y | |
|---|---|
| Max DD | 52.27% |
| Mean DD | 19.52% |
| Median DD | 17.74% |
Description: FOUR Shift4 Payments January 07, 2026
Shift4 Payments (NYSE:FOUR) delivers a cloud-native payments platform that enables omni-channel card acceptance and processing of a broad set of payment methods-including credit, debit, contactless, QR, mobile wallets (Apple Pay, Google Pay) and major Chinese alternatives (Alipay, WeChat Pay)-to merchants in the United States and abroad.
Beyond core processing, the firm bundles point-of-sale hardware (SkyTab POS), mobile ordering and self-service solutions (SkyTab Mobile/Venue), a business-intelligence suite (Lighthouse), an e-commerce storefront (Shift4Shop), and a cryptocurrency donation marketplace (The Giving Block). These offerings are sold through independent software vendors, direct sales, and value-added resellers, with ancillary services such as underwriting, risk management, and partner integration support.
Key operating metrics (FY 2023) show total payment volume (TPV) of roughly **$100 billion**, a **13% YoY revenue increase to $2.1 billion**, and a **gross margin of ~70%**, reflecting the scalability of its SaaS-based model. The company’s growth is closely tied to macro trends: continued e-commerce expansion, rising adoption of digital wallets, and the broader “unified commerce” shift that pushes merchants toward integrated payment-and-data platforms.
Assuming the current trajectory of digital-payment adoption persists, Shift4’s diversified product suite positions it to capture incremental share of merchant spend, though valuation sensitivity remains to macro-economic volatility and competitive pressure from larger processors.
For a deeper dive into valuation assumptions and scenario analysis, you may find the **ValueRay** platform’s data visualizations useful.
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income: 194.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA -4.37 > 1.0 |
| NWC/Revenue: 19.13% < 20% (prev 44.18%; Δ -25.04% < -1%) |
| CFO/TA 0.06 > 3% & CFO 555.7m > Net Income 194.8m |
| Net Debt (3.28b) to EBITDA (772.4m): 4.24 < 3 |
| Current Ratio: 1.38 > 1.5 & < 3 |
| Outstanding Shares: last quarter (90.7m) vs 12m ago 1.48% < -2% |
| Gross Margin: 32.61% > 18% (prev 0.28%; Δ 3233 % > 0.5%) |
| Asset Turnover: 55.25% > 50% (prev 62.37%; Δ -7.12% > 0%) |
| Interest Coverage Ratio: 2.82 > 6 (EBITDA TTM 772.4m / Interest Expense TTM 138.5m) |
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 -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) |
| Altman-Z'' Score: 0.78 = B |
Beneish M -2.14
| DSRI: 1.97 (Receivables 771.5m/317.8m, Revenue 3.88b/3.15b) |
| GMI: 0.86 (GM 32.61% / 28.01%) |
| AQI: 1.16 (AQ_t 0.66 / AQ_t-1 0.57) |
| SGI: 1.23 (Revenue 3.88b / 3.15b) |
| TATA: -0.04 (NI 194.8m - CFO 555.7m) / TA 8.99b) |
| Beneish M-Score: -2.14 (Cap -4..+1) = BB |
ValueRay F-Score (Strict, 0-100) 58.73
| 1. Piotroski: 3.50pt |
| 2. FCF Yield: 5.46% |
| 3. FCF Margin: 12.88% |
| 4. Debt/Equity: 2.87 |
| 5. Debt/Ebitda: 4.24 |
| 6. ROIC - WACC: -1.05% |
| 7. RoE: 15.99% |
| 8. Revenue Trend: 97.75% |
| 9. EPS Trend: data missing |
What is the price of FOUR shares?
Over the past week, the price has changed by -6.28%, over one month by -8.50%, over three months by -20.19% and over the past year by -48.95%.
Is FOUR a buy, sell or hold?
- 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 | 88.8 | 48.1% |
| Analysts Target Price | 88.8 | 48.1% |
| ValueRay Target Price | 50.1 | -16.5% |
FOUR Fundamental Data Overview January 26, 2026
P/E Forward = 10.4712
P/S = 1.5129
P/B = 6.5419
P/EG = 0.3273
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 = 9.14b USD (5.87b + Debt 4.79b - CCE 1.51b)
Interest Coverage Ratio = 2.82 (Ebit TTM 390.2m / Interest Expense TTM 138.5m)
EV/FCF = 18.31x (Enterprise Value 9.14b / FCF TTM 499.4m)
FCF Yield = 5.46% (FCF TTM 499.4m / Enterprise Value 9.14b)
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 = 1.02 (Enterprise Value 9.14b / 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 = 2.78% (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 = 6.10% (E(5.87b)/V(10.66b) * Re(10.67%) + D(4.79b)/V(10.66b) * Rd(0.90%) * (1-Tc(0.45)))
Discount Rate = 10.67% (= CAPM, Blume Beta Adj.)
Fair Price DCF = unknown (Cash Flow 499.4m)
Revenue Correlation: 97.75 | Revenue CAGR: 33.40% | SUE: N/A | # QB: 0