# Shift4 Payments Inc. (FOUR) fundamentals

Data as of 2026-11-04. NYSE, United States. Sector: Technology / Software. Price $41.49, market value $3.3 billion.

## Valuation
- **P/E (trailing): 65.9×**. Shift4 Payments Inc. trades at 65.9× trailing earnings. The Technology median in the September 2026 study was 32.1×. Forward P/E is 6.8×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 0.7×**. Each dollar of revenue is priced at 0.7×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 5.3×**. The shares trade at 5.3× book value; most of the value is in earnings power and intangibles rather than the balance sheet.
- **EV / EBITDA: 7.5×**. Enterprise value is 7.5× operating earnings before depreciation, the multiple that ignores how the company is financed; below 8× is inexpensive for most sectors.
- **Free-cash-flow yield: 17.5%**. Free cash flow equals 17.5% of the market value. Above 5% is generally attractive.
- **Earnings yield: 1.5%**. The inverse of the P/E: 1.5% of the price is earned each year.

## Profitability
- **Operating margin: 8.1%**. 8.1% of revenue is left after running the business.
- **Net margin: 2.8%**. 2.8% of each dollar of sales reaches the bottom line.
- **Return on equity: 8.3%**. 8.3% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on invested capital: 6.1%**. Return on all capital, debt included, is 6.1%.
- **Return on assets: 1.2%**. Each dollar of assets produces 1.2% of profit.

## Growth
- **Revenue growth (1 yr): 25.5%** (3-yr 28.0%/yr, 5-yr 40.4%/yr). Revenue grew 25.5% over the last year, against 40.4% a year compounded over five years: growth is slowing.
- **Free-cash-flow growth (3 yr): 32.6%/yr**. Free cash flow has compounded at 32.6% a year over three years.

## Financial health
- **Debt to equity: 3.15**. Debt is 3.15 times equity, a leveraged balance sheet that needs steady cash flow to service.
- **Net debt / EBITDA: 3.9×**. It would take 3.9 years of operating earnings to repay net borrowings, above the 3× level most lenders treat as comfortable.
- **Current ratio: 1.66** (quick 1.66). Current assets cover the next year's liabilities 1.66 times.
- **Altman Z-score: 1.25**. A Z-score of 1.25 is in the distress zone, a signal to examine the balance sheet closely.
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.

## Dividends
- **Dividend: none**. Shift4 Payments Inc. does not currently pay a dividend.

## Analyst view
- **Analyst consensus: buy** (22 analysts). 22 analysts cover Shift4 Payments Inc.; the consensus is buy, with an average price target of $52.36 (+26% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -39.1%** (YTD -33.2%, 3-mo -22.5%). The shares are down 39.1% over twelve months including dividends.
- **From 52-week high: -45.5%** (20.1% above the low). Trading 45% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 60**. An RSI of 60 is neutral.
- **Beta (1 yr): 1.33** (volatility 65%). Beta of 1.33 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=FOUR · Page: https://foliofundamentals.com/stocks/four

Not investment advice.