FOUR Stock Overview
Shift4 Payments, Inc. provides integrated payment processing and technology solutions in the United States.
No risks detected for FOUR from our risk checks.
Shift4 Payments Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$43.98|
|52 Week High||US$87.10|
|52 Week Low||US$29.39|
|1 Month Change||-9.45%|
|3 Month Change||17.16%|
|1 Year Change||-49.34%|
|3 Year Change||n/a|
|5 Year Change||n/a|
|Change since IPO||31.13%|
Recent News & Updates
These 4 Measures Indicate That Shift4 Payments (NYSE:FOUR) Is Using Debt Extensively
The external fund manager backed by Berkshire Hathaway's Charlie Munger, Li Lu, makes no bones about it when he says...
Returns On Capital At Shift4 Payments (NYSE:FOUR) Have Stalled
If we want to find a stock that could multiply over the long term, what are the underlying trends we should look for...
Should You Think About Buying Shift4 Payments, Inc. (NYSE:FOUR) Now?
While Shift4 Payments, Inc. ( NYSE:FOUR ) might not be the most widely known stock at the moment, it saw a significant...
|FOUR||US IT||US Market|
Return vs Industry: FOUR underperformed the US IT industry which returned -39.2% over the past year.
Return vs Market: FOUR underperformed the US Market which returned -23.1% over the past year.
|FOUR Average Weekly Movement||7.8%|
|IT Industry Average Movement||8.0%|
|Market Average Movement||6.9%|
|10% most volatile stocks in US Market||15.8%|
|10% least volatile stocks in US Market||2.8%|
Stable Share Price: FOUR is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 8% a week.
Volatility Over Time: FOUR's weekly volatility (8%) has been stable over the past year.
About the Company
Shift4 Payments, Inc. provides integrated payment processing and technology solutions in the United States. It provides omni-channel card acceptance and processing solutions, including credit, debit, contactless card, Europay, Mastercard and visa, QR Pay, and mobile wallets, as well as alternative payment methods; merchant acquiring; proprietary omni-channel gateway; complementary software integrations; integrated and mobile point-of-sale (POS) solutions; security and risk management solutions; reporting and analytical tools; and web-store design, hosting, shopping cart management, and fulfillment integration, as well as tokenization, payment device and chargeback management, fraud prevention, and gift card solutions. The company also offers VenueNext that provides mobile ordering, countertop POS, and self-service kiosk services, as well as digital wallet to facilitate food and beverage, merchandise, and loyalty for stadium and entertainment venues; and Shift4Shop, which offers eCommerce solutions, including website builder, shopping cart, product catalog, order management, marketing, search engine optimization, secure hosting, and mobile webstores.
Shift4 Payments Fundamentals Summary
|FOUR fundamental statistics|
Is FOUR overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|FOUR income statement (TTM)|
|Cost of Revenue||US$1.35b|
Last Reported Earnings
Jun 30, 2022
Next Earnings Date
|Earnings per share (EPS)||-0.29|
|Net Profit Margin||-0.95%|
How did FOUR perform over the long term?See historical performance and comparison
Is FOUR undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 5/6
Price-To-Sales vs Peers
Price-To-Sales vs Industry
Price-To-Sales vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for FOUR?
Other financial metrics that can be useful for relative valuation.
|What is FOUR's n/a Ratio?|
Price to Sales Ratio vs Peers
How does FOUR's PS Ratio compare to its peers?
|FOUR PS Ratio vs Peers|
|Company||PS||Estimated Growth||Market Cap|
WNS WNS (Holdings)
EEFT Euronet Worldwide
FOUR Shift4 Payments
Price-To-Sales vs Peers: FOUR is good value based on its Price-To-Sales Ratio (1.4x) compared to the peer average (2.8x).
Price to Earnings Ratio vs Industry
How does FOUR's PE Ratio compare vs other companies in the US IT Industry?
Price-To-Sales vs Industry: FOUR is good value based on its Price-To-Sales Ratio (1.4x) compared to the US IT industry average (2.4x)
Price to Sales Ratio vs Fair Ratio
What is FOUR's PS Ratio compared to its Fair PS Ratio? This is the expected PS Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PS Ratio||1.4x|
|Fair PS Ratio||3.6x|
Price-To-Sales vs Fair Ratio: FOUR is good value based on its Price-To-Sales Ratio (1.4x) compared to the estimated Fair Price-To-Sales Ratio (3.6x).
Share Price vs Fair Value
What is the Fair Price of FOUR when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: FOUR ($43.98) is trading below our estimate of fair value ($84.46)
Significantly Below Fair Value: FOUR is trading below fair value by more than 20%.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Target price is more than 20% higher than the current share price, but analysts are not within a statistically confident range of agreement.
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How is Shift4 Payments forecast to perform in the next 1 to 3 years based on estimates from 11 analysts?
Future Growth Score6/6
Future Growth Score 6/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: FOUR is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (1.9%).
Earnings vs Market: FOUR is forecast to become profitable over the next 3 years, which is considered above average market growth.
High Growth Earnings: FOUR is expected to become profitable in the next 3 years.
Revenue vs Market: FOUR's revenue (25.1% per year) is forecast to grow faster than the US market (7.6% per year).
High Growth Revenue: FOUR's revenue (25.1% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: FOUR's Return on Equity is forecast to be very high in 3 years time (43.5%).
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How has Shift4 Payments performed over the past 5 years?
Past Performance Score0/6
Past Performance Score 0/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: FOUR is currently unprofitable.
Growing Profit Margin: FOUR is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: FOUR is unprofitable, but has reduced losses over the past 5 years at a rate of 16.1% per year.
Accelerating Growth: Unable to compare FOUR's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: FOUR is unprofitable, making it difficult to compare its past year earnings growth to the IT industry (20.5%).
Return on Equity
High ROE: FOUR has a negative Return on Equity (-9.61%), as it is currently unprofitable.
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How is Shift4 Payments's financial position?
Financial Health Score2/6
Financial Health Score 2/6
Short Term Liabilities
Long Term Liabilities
Stable Cash Runway
Forecast Cash Runway
Financial Position Analysis
Short Term Liabilities: FOUR's short term assets ($1.3B) exceed its short term liabilities ($275.3M).
Long Term Liabilities: FOUR's short term assets ($1.3B) do not cover its long term liabilities ($1.8B).
Debt to Equity History and Analysis
Debt Level: FOUR's net debt to equity ratio (269.1%) is considered high.
Reducing Debt: Insufficient data to determine if FOUR's debt to equity ratio has reduced over the past 5 years.
Cash Runway Analysis
For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.
Stable Cash Runway: FOUR has sufficient cash runway for more than 3 years based on its current free cash flow.
Forecast Cash Runway: Insufficient data to determine if FOUR has enough cash runway if its free cash flow continues to grow or shrink based on historical rates.
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What is Shift4 Payments's current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Cash Flow Coverage
Dividend Yield vs Market
Notable Dividend: Unable to evaluate FOUR's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate FOUR's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if FOUR's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if FOUR's dividend payments have been increasing.
Earnings Payout to Shareholders
Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: Unable to calculate sustainability of dividends as FOUR has not reported any payouts.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Jared Isaacman (39 yo)
Mr. Jared Isaacman is the Founder of Shift4 Payments, Inc. and has been its Chief Executive Officer and Executive Director since November 5, 2019. Mr. Isaacman has been the Chairman of Shift4 Payments, Inc...
CEO Compensation Analysis
Compensation vs Market: Jared's total compensation ($USD6.19M) is about average for companies of similar size in the US market ($USD6.95M).
Compensation vs Earnings: Jared's compensation has increased whilst the company is unprofitable.
Experienced Management: FOUR's management team is considered experienced (2.8 years average tenure).
Experienced Board: FOUR's board of directors are not considered experienced ( 2.5 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
|16 Jun 22||BuyUS$876,205||Jared Isaacman||Individual||27,728||US$31.60|
|14 Mar 22||BuyUS$1,739,758||Jared Isaacman||Individual||35,958||US$49.62|
|10 Mar 22||BuyUS$4,050,439||Jared Isaacman||Individual||82,000||US$50.25|
|09 Mar 22||BuyUS$5,523,206||Jared Isaacman||Individual||120,000||US$46.80|
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
|Ownership||Name||Shares||Current Value||Change %||Portfolio %|
Shift4 Payments, Inc.'s employee growth, exchange listings and data sources
- Name: Shift4 Payments, Inc.
- Ticker: FOUR
- Exchange: NYSE
- Founded: 1999
- Industry: Data Processing and Outsourced Services
- Sector: Software
- Implied Market Cap: US$3.544b
- Market Cap: US$2.408b
- Shares outstanding: 80.57m
- Website: https://www.shift4.com
Number of Employees
- Shift4 Payments, Inc.
- 2202 North Irving Street
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|FOUR||NYSE (New York Stock Exchange)||Yes||Class A Common Stock||US||USD||Jun 2020|
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/09/24 00:00|
|End of Day Share Price||2022/09/23 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.