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Shift4 Payments, Inc.

FOUR

$38.17 ▼ -0.24 (-0.62%) at close

8 Visible periods

29 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Fair

Bearish

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Analytical Summary

Shift4 Payments, Inc. faces fundamental challenges with weakness in Debt to Equity. The fundamentals warrant careful consideration of downside risks.

Market Cap $50.9M

Dividend Yield —

Revenue Growth 25.5% ↘

Op. Margin 8.4% ↗

ROIC 4.4% ↗

FCF / Share $467.88 ↗

Trailing P/E —

Price / Book 0.0x

FCF Yield 1225.8%

Debt / Equity 3.15

info Valuation on last close. End-of-day price, Sep 24, 2026.

8-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$4.18B

↑ +25.5% —

Net Income Profit after all expenses

$119.00M

↓ -48.3% —

Operating Margin Operating profit as % of sales

8.4%

↑ +13.2% 52th

FCF / Share Free cash flow per share

$467.88

↑ +58.4% —

Long-Term Debt Long-term obligations

$4.55B

↑ +60.0% —

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Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Debt to EquityDebt to Equity is concerning (bottom quartile)

Health Breakdown

Profitability

Returns

Financial Health ↓

Cash Quality ↑

Financial view

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📈 Is growth accelerating? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Jun 4, 2020 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Revenue Growth YoY (%)	25.5% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+410%)	29.9% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+497%)	28.7% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+473%)	45.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+816%)	78.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1466%)	4.9% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	30.5% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+509%)	—
Net Income Growth YoY (%)	-48.3% Weak ↓ Weak Declining Year-over-year change in net income	166.8% Excellent ↑ Excellent Improving Year-over-year change in net income	14.8% Fair ↑ Fair Improving Year-over-year change in net income	N/M	-162.0% Weak ↓ Weak Declining Year-over-year change in net income	67.5% Excellent Excellent Year-over-year change in net income	-2.2% Weak Weak Year-over-year change in net income	—
FCF Growth YoY (%)	58.4% Excellent Excellent Year-over-year change in free cash flow	72.7% Excellent Excellent Year-over-year change in free cash flow	—	—	—	—	—	—
Revenue CAGR 3Y (%)	28.0% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	34.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	49.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	39.7% Excellent Excellent Compound annual revenue growth over 3 years	34.6% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—
Revenue CAGR 5Y (%)	40.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	35.4% Excellent Excellent Compound annual revenue growth over 5 years	35.5% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Jun 4, 2020 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Operating Margin (%) (%)	8.4% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-30%)	7.4% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	4.5% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-63%)	4.8% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-60%)	-3.6% Weak → Weak Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-130%)	-7.5% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-163%)	-0.6% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-105%)	-2.3% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-119%)
Effective Tax Rate (%) (%)	24.6% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	29600.0% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-2.8% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	4.0% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	2.1% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-3.1% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	6.9% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%
Profit Margin (%) (%)	2.8% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	6.9% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-14%)	3.4% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-58%)	3.8% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-53%)	-3.5% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-144%)	-2.4% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-130%)	-7.7% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-197%)	-9.9% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-224%)
FCF Margin (%) (%)	14.9% Fair ↑ Fair Improving Free cash flow as a percentage of revenue Optimal: > 10%	14.8% Fair ↑ Fair Improving Free cash flow as a percentage of revenue Optimal: > 10%	13.0% Fair ↑ Fair Improving Free cash flow as a percentage of revenue Optimal: > 10%	13.4% Fair ↑ Fair Improving Free cash flow as a percentage of revenue Optimal: > 10%	-0.4% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	2.4% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	2.5% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	4.3% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%
FCF / Net Income (x)	5.24x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	2.14x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	3.85x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	3.56x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	0.11x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	-1.01x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-0.33x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	-0.43x Weak Weak Free cash flow relative to reported net income Optimal: > 1x

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Jun 4, 2020 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Return on Invested Capital (%)	4.4% Caution ↑ Caution Improving Return earned on debt + equity capital invested Optimal: > 10%	-1997.4% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	4.9% Caution ↑ Caution Improving Return earned on debt + equity capital invested Optimal: > 10%	4.5% Caution ↑ Caution Improving Return earned on debt + equity capital invested Optimal: > 10%	-2.3% Weak → Weak Stable Return earned on debt + equity capital invested Optimal: > 10%	-3.8% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	-0.7% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	4.0% Caution → Caution Stable Operating profit relative to total assets Optimal: > 10%	4.9% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	3.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	3.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-2.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-3.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	-0.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	8.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-45%)	28.5% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+90%)	13.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-12%)	21.6% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+44%)	-17.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-218%)	-4.0% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-127%)	172.0% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+1047%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Jun 4, 2020 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Debt to Equity (x)	3.15x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+350%)	3.52x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+403%)	2.68x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+283%)	5.10x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+629%)	6.37x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+810%)	2.24x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+219%)	-19.96x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-2952%)	—
Interest Coverage (x)	23.40x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	27.44x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	13.83x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	2.91x Caution ↑ Caution Improving Operating income divided by interest expense Optimal: > 5x	-1.76x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-1.43x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-0.09x Weak Weak Operating income divided by interest expense Optimal: > 5x	-0.28x Weak Weak Operating income divided by interest expense Optimal: > 5x
Net Debt (USD)	$3.58B	$1.63B	$1.30B	$996.00M	$507.00M	$99.70M	$653.10M	—
Debt / EBITDA (x)	5.81x Weak → Weak Stable Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	5.22x Weak ↓ Weak Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	5.31x Weak ↓ Weak Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	7.27x Weak ↓ Weak Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	31.49x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	38.63x Weak Weak Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	11.29x Weak Weak Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—

📊 What does each share earn? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Jun 4, 2020 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Revenue per Share (USD)	$3.13K	$2.00K	$1.32K	—	—	—	—	—
Free Cash Flow per Share (USD)	$467.88	$295.42	$171.11	—	—	—	—	—
Book Value per Share (USD)	$1.08K	$483.57	$336.40	—	—	$5.71	$-0.42	—
Tangible Book Value per Share (USD)	$-946.25	$-388.90	$-235.83	—	—	$-0.22	$-5.82	—
Basic Weighted Avg Shares (shares)	1.33M	1.67M	1.94M	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Jun 4, 2020 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Working Capital (USD)	$867.00M	$531.00M	$448.90M	$723.40M	$1.27B	$934.10M	$-23.50M	—
LT Debt (USD)	$4.55B	$2.84B	$1.75B	$1.77B	$1.74B	$1.03B	$656.80M	—
Total Equity (USD)	$1.44B	$807.00M	$653.30M	$347.30M	$272.80M	$459.60M	$-32.90M	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Jun 4, 2020 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Sales/Revenue/Turnover (USD)	$4.18B	$3.33B	$2.56B	$1.99B	$1.37B	$766.90M	$731.40M	$560.60M
Depreciation Expense (USD)	$432.00M	$297.00M	$214.60M	$149.10M	$104.40M	$84.20M	$62.60M	$70.80M
Net Income, GAAP (USD)	$119.00M	$230.00M	$86.20M	$75.10M	$-48.20M	$-18.40M	$-56.60M	$-55.40M
Operating Cash Flow (USD)	$634.00M	$500.00M	$346.00M	$275.40M	$3.00M	$23.40M	$26.70M	$25.50M

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bar_chart Data from SEC EDGAR XBRL filings

Synced 2 days ago 8 years · 30 quarters

Shift4 Payments, Inc.

Analytical Summary

8-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Statement lens

Benchmark Lens

Signals

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