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Shift4 Payments, Inc.

Shift4 Payments, Inc.

NYSE•FOUR
CEO: Mr. Jared Isaacman
Sector: Technology
Industry: Software - Infrastructure
Listing Date: 2020-06-05
Shift4 Payments, Inc. provides software and payment processing solutions solutions in the United States and internationally. The company offers payment platform, an omni-channel card acceptance and processing solutions across multiple payment types, including credit, debit, contactless card, Europay, MasterCard and Visa, QR Pay, and mobile wallets, as well as alternative payment methods. It also provides technology solutions, including SkyTab POS to scale business and improve operational efficiency; VenueNext that provides mobile ordering, countertop POS, self-service kiosk, and digital wallet to facilitate food and beverage, merchandise, and loyalty; Lighthouse, a cloud-based suite of business intelligence tools comprises customer engagement, social media management, online reputation management, scheduling and product pricing, as well as extensive reporting and analytics; SkyTab Mobile which offers pay-at-the-table, order-at-the-table, delivery, customer feedback, and email marketing; The Giving Block, a cryptocurrency donation marketplace; Shift4Shop, an ecommerce platform that creates a webstore and tools to manage product catalog, order fulfillment and inventory management, search-engine-optimization, and secure hosting; and Marketplace that enables integrations into third-party applications, as well as loyalty and inventory management. In addition, the company offers gateway, security, tokenization, risk management/underwriting, payment device management, chargeback management, fraud prevention, and loyalty and gift card. Further, it provides merchant underwriting, onboarding and activation, training, risk management, and support services; and software integrations and compliance management, and partner support and services. The company distributes its products through independent software vendors, internal sales and support network, enterprises, and value-added resellers. The company was founded in 1999 and is headquartered in Center Valley, Pennsylvania.
Contact Information
3501 Corporate Parkway, Center Valley, PA, 18034, United States
888-276-2108
www.shift4.com
Market Cap
$6.12B
P/E (TTM)
21.2
40
Dividend Yield
--
52W High
$127.50
52W Low
$61.23
52W Range
11%
Rank54Top 66.0%
3.1
F-Score
Modified Piotroski Analysis
Based on 7-year fundamentals
Weak • 3.1 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2018-2024

Financial Dashboard

Q3 2025 Data

Revenue

$1.18B+29.44%
4-Quarter Trend

EPS

$0.19-75.64%
4-Quarter Trend

FCF

$272.50M+3.42%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Gross Revenue Jumps 29% Gross revenue reached $1.18B for Q3 2025, marking a $267.7M increase driven by volume and Global Blue acquisition.
Payments Revenue Strong Growth Payments-based revenue grew 31% to $1.06B in Q3 2025, fueled by $11.2B volume increase and TFS services.
Operating Income Increased Income from operations rose $34.2M to $114.6M in Q3 2025, reflecting improved core profitability despite higher costs.
Operating Cash Flow Rises Nine-month operating cash flow increased to $410.3M, up $41.0M year-over-year, supporting significant investing activities.

Risk Factors

Integration Challenges Global Blue Risk exists regarding successful integration of Global Blue, realizing synergies, and managing potential unknown liabilities post-merger.
Net Income Attributable Declines Net income attributable to common stockholders fell $25.7M to $28.1M for Q3 2025, impacted by financing costs and preferred dividends.
Significant Debt Load Total debt principal stands at $4.77B as of September 30, 2025, increasing interest expense significantly year-to-date.
Preferred Stock Junior Status Preferred Stock is structurally junior to $4.77B consolidated debt; liquidation preference may not be covered if winding up occurs.

Outlook

Global Blue Integration Focus Management devoting significant resources to integrating Global Blue operations, IT infrastructure, and harmonizing business practices.
Pending Worldline Acquisition Entered exclusive negotiations for Worldline's North American subsidiaries, expected to close in Q1 2026, pending approvals.
Preferred Stock Dividends Due $60.0M in preferred dividends expected over the next twelve months; payment subject to declaration and available funds.
Stock Repurchase Program Active New $1.0B repurchase program authorized through December 31, 2026, replacing the prior May 2024 authorization.

Peer Comparison

Revenue (TTM)

Sanmina CorporationSANM
$8.13B
+7.4%
Genpact LimitedG
$5.01B
+7.4%
Shift4 Payments, Inc.FOUR
$3.88B
+23.2%

Gross Margin (Latest Quarter)

Dropbox, Inc.DBX
79.8%
-2.8pp
Varonis Systems, Inc.VRNS
78.2%
-5.5pp
Universal Display CorporationOLED
77.2%
+1.4pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
CFLT$10.49B-34.2-29.2%38.5%
SANM$9.13B34.111.5%5.1%
G$8.10B14.822.1%26.3%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
9.9%
Steady Growth
4Q Net Income CAGR
-37.7%
Declining Profitability
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Next earnings:Feb 17, 2026
|
EPS:$1.60
|
Revenue:-
Reports
All Years
  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 6, 2025|
    Revenue: $1.18B+29.4%
    |
    EPS: $0.19-75.6%
    Miss
  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 5, 2025|
    Revenue: $966.20M+16.8%
    |
    EPS: $0.35-40.7%
    Miss
  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: Apr 29, 2025|
    Revenue: $848.30M+19.9%
    |
    EPS: $0.24-22.1%
    Miss
  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Feb 19, 2025|
    Revenue: $3.33B+29.9%
    |
    EPS: $3.36+131.5%
    Beat
  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 12, 2024|
    Revenue: $909.20M+34.6%
    |
    EPS: $0.78+39.3%
    Miss
  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 9, 2024|
    Revenue: $827.00M+29.8%
    |
    EPS: $0.59+37.2%
    Miss
  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 10, 2024|
    Revenue: $707.40M+29.3%
    |
    EPS: $0.31+19.2%
    Miss
  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Feb 29, 2024|
    Revenue: $2.56B+28.7%
    |
    EPS: $1.45+8.2%
    Miss