Shift4 Payments Inc (FOUR) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Shift4 Payments Inc stock (FOUR) is currently trading at $48.86. Shift4 Payments Inc PE ratio is 48.61. Shift4 Payments Inc PS ratio (Price-to-Sales) is 1.28. Analyst consensus price target for FOUR is $65.96. WallStSmart rates FOUR as Underperform.
- FOUR PE ratio analysis and historical PE chart
- FOUR PS ratio (Price-to-Sales) history and trend
- FOUR intrinsic value — DCF, Graham Number, EPV models
- FOUR stock price prediction 2025 2026 2027 2028 2029 2030
- FOUR fair value vs current price
- FOUR insider transactions and insider buying
- Is FOUR undervalued or overvalued?
- Shift4 Payments Inc financial analysis — revenue, earnings, cash flow
- FOUR Piotroski F-Score and Altman Z-Score
- FOUR analyst price target and Smart Rating
Shift4 Payments Inc
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FOUR Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Shift4 Payments Inc (FOUR)
FOUR trades 700% above its Graham fair value of $7.34, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Shift4 Payments Inc (FOUR) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, price/sales, revenue growth. Concerns around return on equity and price/book. Fundamentals are solid but monitor weak areas for improvement.
Shift4 Payments Inc (FOUR) Key Strengths (5)
Growing significantly faster than its price suggests
Revenue surging 33.90% year-over-year
104.14% of shares held by major funds and institutions
Paying $1.28 for every $1 of annual revenue
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Shift4 Payments Inc (FOUR) Areas to Watch (5)
Earnings declining -72.20%, profits shrinking
Very expensive at 9.2x book value
Very thin margins, barely profitable
Low profitability relative to shareholder equity
Thin operating margins with cost pressures present
Supporting Valuation Data
Shift4 Payments Inc (FOUR) Detailed Analysis Report
Overall Assessment
This company scores 54/100 in our Smart Analysis, earning a C- grade. Out of 10 metrics analyzed, 5 register as strengths (avg 9.0/10) while 5 fall into concern territory (avg 2.2/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on PEG Ratio, Revenue Growth, Institutional Own.. Valuation metrics including PEG Ratio (0.36), Price/Sales (1.28) suggest the stock is attractively priced. Growth metrics are encouraging with Revenue Growth at 33.90%.
The Bear Case
The primary concerns are EPS Growth, Price/Book, Profit Margin. Some valuation metrics including Price/Book (9.22) suggest expensive pricing. Growth concerns include EPS Growth at -72.20%, which may limit upside. Profitability pressure is visible in Return on Equity at 9.88%, Operating Margin at 10.50%, Profit Margin at 2.85%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 9.88% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 33.90% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (PEG Ratio, Revenue Growth) and negatives (EPS Growth, Price/Book). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FOUR Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FOUR's Price-to-Sales ratio of 1.28x trades at a deep discount to its historical average of 2.97x (12th percentile). The current valuation is 85% below its historical high of 8.71x set in Apr 2021, and 44% above its historical low of 0.89x in Feb 2026. Over the past 12 months, the PS ratio has compressed from ~1.7x as trailing revenue scaled faster than the stock price.
Compare FOUR with Competitors
Top SOFTWARE - INFRASTRUCTURE stocks by market cap
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Data-driven financial summary for Shift4 Payments Inc (FOUR) · TECHNOLOGY › SOFTWARE - INFRASTRUCTURE
The Big Picture
Shift4 Payments Inc is in a high-growth phase, prioritizing rapid expansion over margins. Revenue reached 4.2B with 34% growth year-over-year. Profit margins are thin at 2.9%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
Revenue growing at 34% YoY, reaching 4.2B. This pace significantly outperforms most SOFTWARE - INFRASTRUCTURE peers.
Generating 187M in free cash flow and 224M in operating cash flow. Earnings are translating into actual cash generation.
Profit margin at 2.9% is thin. While this is common for high-growth companies, margins need to expand as growth naturally decelerates.
Earnings fell 72% YoY while revenue grew 34%. This gap usually reflects one-time items (tax benefits, write-offs) in the prior period, not an operational decline.
What to Watch Next
Margin expansion: can Shift4 Payments Inc push profit margins above 15% as the business scales?
Growth sustainability: can Shift4 Payments Inc maintain 34%+ revenue growth, or will competition slow it down?
Volatility is elevated with a beta of 1.64, so expect amplified moves relative to the broader market.
Sector dynamics: monitor SOFTWARE - INFRASTRUCTURE industry trends, competitive moves, and regulatory changes that could impact Shift4 Payments Inc.
Bottom Line
Shift4 Payments Inc is a high-conviction growth story with revenue accelerating at 34% while profitability is still developing. For growth-oriented investors, the trajectory is compelling. For value investors, the thin 2.9% margins and premium valuation suggest patience until the unit economics mature further.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(29 last 3 months)
| Insider | Type | Shares |
|---|---|---|
ISAACMAN, JARED 10% Owner | Sell | -1,600 |
| Insider | Type | Shares |
|---|---|---|
ISAACMAN, JARED 10% Owner | Buy | +43,827 |
| Insider | Type | Shares |
|---|---|---|
ISAACMAN, JARED 10% Owner | Buy | +136,993 |
Data sourced from SEC Form 4 filings
Last updated: 10:02:27 AM
About Shift4 Payments Inc(FOUR)
NYSE
TECHNOLOGY
SOFTWARE - INFRASTRUCTURE
USA
Shift4 Payments, Inc. provides integrated payment processing and technology solutions in the United States. The company is headquartered in Allentown, Pennsylvania.