Shift4 Payments, Inc.
Our Company At Shift4, our mission is to boldly redefine commerce by simplifying complex payments ecosystems across the world. We are a leading independent provider of software and payment processing solutions in the U.S. and we are expanding our payment processing solutions to international markets.
$39.42
+$0.08 (+0.20%)
EOD Oct 16, 2026
Operating margin is thin at 8.40%. Limited cushion if revenue slows or costs rise, not the profile of a wide-moat business.
Revenue grew 25.5%, still solid.
Net debt of $3.65B represents 5.9x FCF, leverage limits flexibility.
1.7x earnings, 5.4x FCF. The multiple is below average. Either the market is pricing in deterioration you should investigate, or there's genuine value here.
Price History
Valuation & Multiples
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$4.78B
▲ +25.5% YoY
Net Income (TTM)
$95M
▼ -48.3% YoY
Op. Margin
8.11%
▲ +1.0pp YoY
ROIC
5.73%
▼ -0.2pp YoY
Cash Flow & Balance Sheet
FCF (TTM)
$573M
▲ +26.6% YoY
Op. Cash Flow (TTM)
$593M
▲ +26.8% YoY
Net Debt
$4.21B
Cash & Equiv.
$356M
5Y CAGR: +40.4%
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SourceComputed from the 10-Q filed 31 Jul 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 3 Oct 2026. How this is calculated.
Price from market data, last close as of 16 Oct 2026. Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically.
Is Shift4 Payments (FOUR) overvalued?
At a P/E of 1.7 and a price-to-free-cash-flow of 5.4, Shift4 Payments (FOUR) trades below a two-stage DCF intrinsic value of about $155.15 per share, so at $39.42 the stock looks undervalued (293.6% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Shift4 Payments scores 70/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full methodology, or see how the market compares in our US profitability statistics. This is analysis, not investment advice.
Frequently asked
What is Shift4 Payments's fair value?+
Intrinsiqq's two-stage DCF estimates an intrinsic value of about $155.15 per share for FOUR, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around $116.36. At today's $39.42, that puts the stock about 293.6% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Is Shift4 Payments a high-quality business?+
Shift4 Payments scores 70 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a solid business on these measures. Recent fundamentals include a 8.1% operating margin and a 5.7% return on invested capital. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Is Shift4 Payments a good stock to buy right now?+
That depends on valuation and quality together, not either alone. FOUR currently trades below its estimated intrinsic value and scores 70/100 on quality (solid). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.