FOUR

Company Overview — What Does Shift4 Payments, Inc. Do?

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. In addition, it provides Lighthouse, a cloud-based business intelligence tool that includes customer engagement, social media management, online reputation management, scheduling, and product pricing, as well as reporting and analytics; SkyTab, a hybrid-cloud-based integrated POS solution; SkyTab Mobile, a mobile payment solution; and marketplace technology for integrations into third-party applications. Further, the company offers merchant management, training and education, marketing management, and incentives tracking solutions. Additionally, it provides merchant underwriting, onboarding and activation, training, risk management, and support services; and software integrations and compliance management, and partner support and services. The company was founded in 1999 and is headquartered in Allentown, Pennsylvania. Shift4 Payments, Inc. (FOUR) is classified as a mid-cap stock in the Industrials sector, specifically within the Business Services industry. The company is led by CEO Jared Isaacman and employs approximately 2,300 people. With a market capitalization of $3.5B, FOUR is one of the notable companies in the Industrials sector.

Shift4 Payments, Inc. (FOUR) Stock Rating — Reduce (April 2026)

As of April 2026, Shift4 Payments, Inc. receives a Reduce rating with a composite score of 37.5/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.FOUR ranks #3,492 out of 4,446 stocks in our coverage universe. Within the Industrials sector, Shift4 Payments, Inc. ranks #603 of 752 stocks, placing it in the lower half of its Industrials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

FOUR Stock Price and 52-Week Range

Shift4 Payments, Inc. (FOUR) currently trades at $44.26. The stock gained $2.03 (4.8%) in the most recent trading session. The 52-week high for FOUR is $108.50, which means the stock is currently trading -59.2% from its annual peak. The 52-week low is $43.01, putting the stock 2.9% above its annual trough. Recent trading volume was 1.9M shares, reflecting moderate market activity.

Is FOUR Overvalued or Undervalued? — Valuation Analysis

Shift4 Payments, Inc. (FOUR) carries a value factor score of 62/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 19.96x, compared to the Industrials sector average of 28.33x — a discount of 30%. The price-to-book ratio stands at 1.70x, versus the sector average of 2.23x. The price-to-sales ratio is 0.85x, compared to 0.50x for the average Industrials stock. On an enterprise value basis, FOUR trades at 14.18x EV/EBITDA, versus 5.70x for the sector.

Overall, FOUR's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

Shift4 Payments, Inc. Profitability — ROE, Margins, and Quality Score

Shift4 Payments, Inc. (FOUR) earns a quality factor score of 44/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 8.5%, compared to the Industrials sector average of 8.9%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 1.9% versus the sector average of 3.3%.

On a margin basis, Shift4 Payments, Inc. reports gross margins of 36.0%, compared to 35.8% for the sector. The operating margin is 7.5% (sector: 6.2%). Net profit margin stands at 4.3%, versus 3.9% for the average Industrials stock. Revenue growth is running at 42.3% on a trailing basis, compared to 6.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

FOUR Debt, Balance Sheet, and Financial Health

Shift4 Payments, Inc. has a debt-to-equity ratio of 233.0%, compared to the Industrials sector average of 70.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.66x, suggesting adequate working capital coverage. Total debt on the balance sheet is $4.55B. Cash and equivalents stand at $1.51B.

FOUR has a beta of 1.26, meaning it is more volatile than the broader market — a $10,000 investment in FOUR would be expected to move 26.0% more than the S&P 500 on any given day. The stability factor score for Shift4 Payments, Inc. is 35/100, suggesting elevated price swings that may be unsuitable for conservative portfolios.

Shift4 Payments, Inc. Revenue and Earnings History — Quarterly Trend

In TTM 2026, Shift4 Payments, Inc. reported revenue of $3.90B. Net income for the quarter was $166M. Gross margin was 36.0%. Operating income came in at $304M.

In FY 2025, Shift4 Payments, Inc. reported revenue of $4.18B. Net income for the quarter was $147M. Revenue grew 25.5% year-over-year compared to FY 2024. Operating income came in at $351M.

In Q3 2025, Shift4 Payments, Inc. reported revenue of $1.18B. Net income for the quarter was $33M. Revenue grew 29.4% year-over-year compared to Q3 2024. Operating income came in at $115M.

In Q2 2025, Shift4 Payments, Inc. reported revenue of $966M. Net income for the quarter was $41M. Revenue grew 16.8% year-over-year compared to Q2 2024. Operating income came in at $83M.

Over the past 8 quarters, Shift4 Payments, Inc. has demonstrated a growth trajectory, with revenue expanding from $827M to $3.90B. Investors analyzing FOUR stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

FOUR Dividend Yield and Income Analysis

Shift4 Payments, Inc. (FOUR) does not currently pay a dividend. This is common among smaller companies in the Business Services industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Industrials dividend stocks may want to explore other Industrials stocks or use the stock screener to filter by dividend yield.

FOUR Momentum and Technical Analysis Profile

Shift4 Payments, Inc. (FOUR) has a momentum factor score of 16/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 23/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 52/100 reflects moderate short selling activity.

FOUR vs Competitors — Industrials Sector Ranking and Peer Comparison

Within the Industrials sector, Shift4 Payments, Inc. (FOUR) ranks #603 out of 752 stocks based on the Blank Capital composite score. This places FOUR in the lower half of all Industrials stocks in our coverage universe. Key competitors and sector peers include South Bow Corp (SOBO) with a score of 56.5/100, TSAKOS ENERGY NAVIGATION LTD (TEN) with a score of 61.4/100, Great Lakes Dredge & Dock CORP (GLDD) with a score of 56.7/100, Tri Pointe Homes, Inc. (TPH) with a score of 57.3/100, and Clear Channel Outdoor Holdings, Inc. (CCO) with a score of 52.2/100.

Comparing FOUR against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full FOUR vs S&P 500 (SPY) comparison to assess how Shift4 Payments, Inc. stacks up against the broader market across all factor dimensions.

FOUR Next Earnings Date

No upcoming earnings date has been announced for Shift4 Payments, Inc. (FOUR) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy FOUR? — Investment Thesis Summary

The quantitative profile for Shift4 Payments, Inc. suggests caution. The value score of 62/100 suggests attractive pricing relative to fundamentals. Momentum is weak at 16/100, a headwind for near-term performance. High volatility (stability score 35/100) increases portfolio risk.

In summary, Shift4 Payments, Inc. (FOUR) earns a Reduce rating with a composite score of 37.5/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on FOUR stock.

Related Resources for FOUR Investors

Explore more research and tools: FOUR vs S&P 500 comparison, top Industrials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare FOUR head-to-head with peers: FOUR vs SOBO, FOUR vs TEN, FOUR vs GLDD.