Shift4 Payments, Inc. · Business Services, NEC

FOUR

Low riskNext report: Nov 5 (confirmed)

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The short version

A profitable company with growing sales. Institutions are trimming.

Going well

Sales up 34% in the latest quarter vs a year ago
Profitable
Sales up 26% last year

Watch out for

High debt: 3.15x equity

Money moves

No insider buying or selling in the last 30 days
Institutions cut 2.3% from their holdings in the quarter ending June 2026 (178 bought, 207 sold)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$36.97-4.6% that day

Company value: $2.9B; Share price times all shares
Price vs profit (P/E): 19.9x; You pay about $20 for each $1 of yearly profit
Price vs sales: 0.61x; Company value is 0.61 times a year of sales
Cash vs value: 12%; Cash as a share of company value
Debt vs value: 156%; Owes more than the whole company is worth

From FOUR's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Sales, Jun '26

$1.3B+34% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $4.8B, up 32% from the 12 months before. Over 5 years, sales grew about 40% a year.

What the price assumes

Your guesses, our math

Move the sliders to your own view of FOUR. Starting points are the company's recent numbers.

Sales growth+30% a yearRecently: +32% a yearProfit margin3%Last 12 months: 2.8%P/E at the end20xToday: 19.9x. Many steady companies trade at 12x to 25xShare count change+1% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$17.8B

Profit in 5 years$533M

Price these guesses point to$128.36+247% vs $36.97 todayAbout +28% a year, before dividends

What today's price needs: with a 3% margin and a 20x P/E, sales would have to grow about 1.4% a year for 5 years just to match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

1/6Weak

MissReturn on equity 15%+Earns a lot on the money owners have in the business.13.1%
MissDebt under half of equityNot relying on borrowed money.3.15x equity
MissNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.3.5%
MissProfitable every yearSteady profits, not one good year.4 of 8 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$624.0M
MissShare count not growingNot diluting owners. Falling means buybacks.+3.5% in 3 years

Revenue: $4.2B; +25.5% vs prior year
5-year growth: +40.4%/yr; revenue, per year
Total debt: $4.5B; 3.15x equity
Current ratio: 1.66x; short-term assets / bills due

From annual reports filed with the SEC. Not in this company's SEC data, so not scored: gross margin 40%+. A checklist is a starting point for research, not a verdict.