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Research & education only — not financial advice.TENK is not a registered investment adviser; calls are impersonal, generated from SEC filings and a delayed/third-party price feed, and may be wrong or out of date. The operator and an affiliated trading operation may hold or trade the securities TENK rates — see Disclosures. Do your own research.

EDGAR® is a registered trademark of the U.S. Securities and Exchange Commission. TENK/calls is an independent service and is not affiliated with, endorsed by, or approved by the U.S. Securities and Exchange Commission.

TTENK/calls
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Home›Stocks›FOUR-PA

FOUR-PA

Shift4 Payments, Inc.

Next earnings ≈ Aug 6, 2026 · est. from filing cadence

Last earnings +5.7% on 2026-05-07

Hold
$64.32
▲ +4.93%
$64.32▼ -39.66%
over 1Y
L $49.12H $114.12
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+4.9%
1W+12.7%
1M+13.3%
3M+22.0%
YTD-15.9%
1Y-39.7%
OverviewFinancialsValuationQualityTimelineFilings
Rating
Hold
Quality
C+
Valuation
Fair value
Filings
Watch
Hold
Conviction
Horizon
Medium (3–12mo)

Revenue grew 25.5% YoY; but thin net margin (2.8%).

Revenue (FY2025) $4.18B · FY2025

Shift4 Payments, Inc. shows $4.18B in FY2025 revenue (+25.5% YoY), a 2.8% net margin, and 8.3% ROE.

Supporting the case: revenue grew 25.5% YoY.

Is FOUR-PA a buy? The one-page verdict, explained →

The options angle

model · matches our verdict
Covered call~60d expiry
  • Long 100 shares @ ~64.32
  • Short call 68 @ ~4.49 est
debit $5,983max +$817max −$5,982BE 59.83

HOLD means own it, don't chase it — harvesting premium against the position matches the verdict.

Open in the calculator →

Educational template, not a trade recommendation. Strikes and premiums are Black-Scholes model estimates from the last close and 30-day realized volatility — real chains, spreads and IV will differ. Options involve substantial risk.

Financials · annual, by fiscal year

Line itemFY21FY22FY23FY24FY25
Revenue$1.37B$1.99B$2.56B$3.33B$4.18B
Gross profit$278M————
Operating income-$49.2M$94.7M$115M$247M$351M
Net income-$48.2M$75.1M$86.0M$230M$119M
Diluted EPS—————
Net margin-3.5%3.8%3.4%6.9%2.8%

10-year statements — income, cash flow, balance sheet & CSV export →

Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.

Key statistics

Valuation

Enterprise value$8.81B
EV / EBITDA11.2
EV / Sales2.1
EV / FCF14.1
P / FCF8.4
PEG (trailing)—
Earnings yield2.3%
FCF yield11.9%

Quality & risk

ROIC (est.)4.6%
Free cash flow$624M
Total debt$4.55B
Net cash-$3.58B
Altman Z-Score1.12 distress
Piotroski F-Score5/8

Capital returns

Buyback yield8.7%
Dividend yield (est.)—
Shareholder yield8.7%

Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.

Disclosure timeline

SEC · 8-Ks + reports
Some governance/structural items recently, but no outright red flags.
  1. 8-K Shareholder vote2026-06-17
  2. 8-K Earnings results2026-05-07
  3. 10-Q Quarterly report2026-05-07
  4. DEF 14A Proxy statement2026-04-30
  5. 8-K Officer / director change2026-03-09
  6. 10-K Annual report2026-02-27
  7. 8-K Earnings results2026-02-26
  8. 8-K Material agreement2026-02-10
  9. 8-K Material agreement2026-01-05

Recent filings

all on EDGAR ↗
4Period ending 2026-06-152026-06-17open ↗4Period ending 2026-06-152026-06-17open ↗4Period ending 2026-06-152026-06-17open ↗4Period ending 2026-06-152026-06-17open ↗4Period ending 2026-06-152026-06-17open ↗4Period ending 2026-06-152026-06-17open ↗8-KPeriod ending 2026-06-122026-06-17open ↗4Period ending 2026-06-052026-06-09open ↗SCHEDULE 13G/AFiling2026-05-15open ↗SCHEDULE 13G/AFiling2026-05-15open ↗4Period ending 2026-05-112026-05-13open ↗10-QPeriod ending 2026-03-312026-05-07open ↗

Quality score

C+
ValueGrowthProfitHealthMom.
ValueA-
GrowthC-
ProfitabilityC+
Financial healthC+
MomentumD
  • ✓Revenue growing year-over-year
  • ✓Profitable (positive net income)
  • ✗Net margin above 10%
  • ✗Return on equity above 15%
  • ✗Liabilities below 2× equity
49.1252-week114.12
Revenue
$4.18B
+25.5% YoY
Net margin
2.8%
ROE
8.3%
P/E
—

SEC fundamentals · FY 2025

'21'22'23'24'25

■ revenue · ■ net income, by fiscal year

Revenue$4.18B+25.5%
Net income$119M-48.3%
Gross profit$278M+56.6%
Operating income$351M+42.1%
Cash & equivalents$964M-20.5%
Total assets$8.71B+72.8%
Total liabilities$6.76B+67.9%
Stockholders' equity$1.44B+78.7%
Gross: 6.7%Op.: 8.4%L/E: 4.69x

Frequently asked

Is Shift4 Payments, Inc. (FOUR-PA) a buy?
FOUR-PA currently carries a Hold rating with 2/5 conviction, derived from its latest SEC filings. Revenue grew 25.5% YoY; but thin net margin (2.8%).
What is Shift4 Payments, Inc.'s quality score?
FOUR-PA scores 60.61092654258807/100 (grade C+) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.

Sources: SEC EDGAR (CIK 0001794669, latest 10-Q filed 2026-05-07) · EODHD · as of 6/26/2026, 12:12:37 PM.

›About this recommendation — produced by TENK/calls (tenkcalls.com), Luxembourg · not investment advice

Rule-based analysis, generated automatically from SEC filing data.

Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jun 26, 2026, 8:12 AM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.

Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.

Insider activity

Form 4 · SEC

Last 90 days: 2 open-market buys · 0 sales

2026-06-15
Bakhshandehpour Sam
Director
Award5.10K @ $41.18$210K
2026-06-15
Goldsmith-Grover Sarah
Director
Award5.10K @ $41.18$210K
2026-06-15
Dallaire Seth
Director
Award5.10K @ $41.18$210K
2026-06-15
Davis Karen Roter
Director
Award5.10K @ $41.18$210K
2026-06-15
Halkyard Jonathan S
Director
Award5.10K @ $41.18$210K
2026-06-15
Disman Nancy
Director
Award7.34K @ $41.18$302K
2026-06-05
Lauber David Taylor
Chief Executive Officer
Tax5.19K @ $39.29$204K
2026-05-12
Isaacman Jared
10% owner
Buy193K @ $40.66$7.85M
2026-05-11
Isaacman Jared
10% owner
Buy196K @ $41.41$8.09M

Earnings history

beat/miss · move
2026-05-07—▲ +0.53%8-K ↗
2026-02-26—▲ +5.00%8-K ↗
2025-11-06—▲ +3.42%8-K ↗
2025-04-29——8-K ↗
2025-02-18——8-K ↗
2024-11-12——8-K ↗

Dates from 8-K (Item 2.02); beat/miss = reported EPS vs consensus (Finnhub, recent quarters); move = prior close → close on/after.

Vs tracked universe

compare →

1195 tracked peers · median

TENK Score61 vs 67
Revenue growth25.5% vs 7.5%
Net margin2.8% vs 10.0%
Return on equity8.3% vs 12.0%
P/E— vs 26.2