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Company Analysis

Shift4 Payments, Inc. FOUR

A comprehensive view of key metrics, scores, and financial health for Shift4 Payments, Inc.

Overview of Shift4 Payments, Inc.

FOUR NYQ
Technology Software - Infrastructure Framework: Software & SaaS Mid Cap
Shift4 Payments, Inc. (FOUR), is a Mid Cap company, in the Software - Infrastructure industry, last closed at $49.11, about 348.4% undervalued vs fair value, -52.8% 1Y return, placing in the top 25% of its sector.
Metrics P/E 70.9× Rev Growth 25.5% ROE 10.6% Gross Margin 34.2% Div Yield 0.69%
USD 49.11
-3.46%
(Delayed)
• Vol 90d: 72.2%
52-Week Range
Market Cap
$3.91B
Enterprise Value
$8.02B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Fair
Valuation
Good
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Fair
Valuation
Good
Completeness: 82%
Confidence: 86%
Updated: Jul 5
Top Beats

Quick Facts

Website https://www.shift4.com
HQ Center Valley, PA
Employees 4,000
Fiscal year Dec 31

Next Events

Earnings Aug 4 Estimated

Fair Value Snapshot

Bear Base Bull
$201
$220
$243
Current: $49.11 +348% vs base

Engine Room Money Flow™

Mid Cap

Software & SaaS - Where revenue goes and how value is created

Flow Steps
Total Revenue
$4.2B
25.5%%
Gross Profit
$1.4B
46.8%%
Operating Income (GAAP)
$337.0M
34.3%%
Operating Cash Flow
$634.0M
26.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Software & SaaS

Quality & Reliability Indicators

Gross Margin
34.2%
Fair

Gross Profit / Revenue — pricing power and product moat (SaaS benchmark: >70%)

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$483.0M
129.5% of FCF

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
4
Active Leaks
0/4
Improving
2
High Impact
1
Critical
Locked Leak
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Locked Leak
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Locked Leak
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Moat Analysis Software & SaaS Specialized

Competitive Advantage Assessment

Evaluating Shift4 Payments, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
60
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Moderate
58
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Software SaaS vs Industry Peers 97% Coverage
Trade-Off Triangle Visualization A ternary plot showing FOUR's balance between Growth (37.1%), Profitability (38.3%), and Safety (24.5%). Growth 37% Safety 25% Profitability 38%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

53th percentile vs peers
54
Key Signals
Rev Growth YoY 25.5% 78p Revenue CAGR 3Y 28.0% 81p Def Rev Growth -18.8% 17p TSR -38.9% 22p EPS Growth YoY -64.7% 18p
Strengths
  • Revenue CAGR 3Y in top 20% of peers (28.0%, 81th percentile)
  • Superior capital returns - 2 return metrics above peer median
Risks
  • Def Rev Growth in bottom 20% of peers (-18.8%)

Profitability

55th percentile vs peers
55
Key Signals
Strengths
Risks
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Safety

35th percentile vs peers
35
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Shift4 Payments, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$220.19
- - -
+348.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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