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Upturn AI SWOT - About
FOUR 
Shift4 Payments Inc (FOUR)
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Upturn Advisory Summary
09/15/2025: FOUR (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
23 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $110.62
1 Year Target Price $110.62
| 13 | Strong Buy |
| 5 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 3.96% | Avg. Invested days 55 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 7.73B USD | Price to earnings Ratio 32.86 | 1Y Target Price 110.62 |
Price to earnings Ratio 32.86 | 1Y Target Price 110.62 | ||
Volume (30-day avg) 23 | Beta 1.72 | 52 Weeks Range 68.09 - 127.50 | Updated Date 09/14/2025 |
52 Weeks Range 68.09 - 127.50 | Updated Date 09/14/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 2.66 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 6.11% | Operating Margin (TTM) 9.16% |
Management Effectiveness
Return on Assets (TTM) 3.61% | Return on Equity (TTM) 18.28% |
Valuation
Trailing PE 32.86 | Forward PE 12.58 | Enterprise Value 7711169865 | Price to Sales(TTM) 2.14 |
Enterprise Value 7711169865 | Price to Sales(TTM) 2.14 | ||
Enterprise Value to Revenue 2.14 | Enterprise Value to EBITDA 17.9 | Shares Outstanding 67291200 | Shares Floating 54206790 |
Shares Outstanding 67291200 | Shares Floating 54206790 | ||
Percent Insiders 2.41 | Percent Institutions 133.95 |
Upturn AI SWOT
Shift4 Payments Inc
Company Overview
History and Background
Shift4 Payments, Inc. was founded in 1999 by Jared Isaacman. Initially focused on providing payment processing services to the hospitality industry, the company has grown through organic expansion and strategic acquisitions to serve a wider range of industries. Shift4 went public on June 5, 2020.
Core Business Areas
- Payment Processing: Provides secure and reliable payment processing solutions for merchants, including credit and debit card processing, mobile payments, and online payment gateways.
- Software Solutions: Offers a suite of integrated software solutions for point-of-sale (POS), property management (PMS), and restaurant management, streamlining operations for businesses.
- Hardware Solutions: Provides secure point-of-sale systems, including countertop terminals, handheld devices, and self-service kiosks.
- Integrated Solutions: Combines payment processing, software, and hardware into unified solutions tailored to specific industries.
Leadership and Structure
Jared Isaacman is the CEO. The organizational structure includes departments for sales, marketing, technology, operations, and finance. The board of directors provides oversight and strategic guidance.
Top Products and Market Share
Key Offerings
- SkyTab POS: A comprehensive point-of-sale system designed for restaurants and hospitality businesses. It competes with Block (SQ), Toast (TOST), and Lightspeed (LSPD). Market share information is not available to the public.
- DOLLARS ON THE NET: Shift4u2019s payment gateway. It is PCI-validated and offers a range of solutions including EMV and tokenization. Market share information is not available to the public. Competitors include Adyen (ADYEN), Worldpay from FIS (FIS), Global Payments (GPN).
- VenueNext: Provides mobile-first solutions for stadiums, casinos, and arenas, including mobile ordering, loyalty programs, and ticketing. Competitors include Fanatics, and SeatGeek. Market share information is not available to the public.
Market Dynamics
Industry Overview
The payment processing industry is experiencing growth driven by increasing adoption of digital payments, e-commerce expansion, and technological advancements. The industry is competitive, with both established players and emerging fintech companies.
Positioning
Shift4 Payments Inc. is positioned as a provider of integrated payment solutions and software for various industries. Their competitive advantage lies in its end-to-end solution which helps drive efficiency. They are very focused on high-volume merchants.
Total Addressable Market (TAM)
The global digital payments market size is expected to grow significantly in the coming years. Shift4 is positioned to capture a portion of this TAM through its integrated solutions.
Upturn SWOT Analysis
Strengths
- Integrated solutions suite
- Focus on high-volume merchants
- Proprietary technology
- Strong relationships with partners
Weaknesses
- Customer Concentration (High reliance on large clients)
- Integration of acquired companies
- Intense competition
- Debt Levels
Opportunities
- Expansion into new markets
- Strategic acquisitions
- Development of new products and services
- Increased adoption of digital payments
Threats
- Increased competition
- Cybersecurity threats
- Changes in regulations
- Economic downturns
Competitors and Market Share
Key Competitors
- FIS (FIS)
- Global Payments (GPN)
- Block (SQ)
- Toast (TOST)
Competitive Landscape
Shift4 Payments Inc. competes with a range of payment processors and software providers. Shift4's advantages include its integrated solutions, focus on high-volume merchants, and proprietary technology. Disadvantages include integration risks of acquisitions and customer concentration.
Major Acquisitions
The Giving Block
- Year: 2022
- Acquisition Price (USD millions): 54
- Strategic Rationale: Expands Shift4's reach into the non-profit sector, enabling cryptocurrency donations.
Revel Systems
- Year: 2024
- Acquisition Price (USD millions): 250
- Strategic Rationale: Strengthens Shift4's point-of-sale offerings with Revel Systems' cloud-based platform.
Growth Trajectory and Initiatives
Historical Growth: Shift4 Payments Inc. has experienced significant growth in revenue and transaction volume over the past few years, driven by organic expansion and acquisitions.
Future Projections: Future projections data requires real-time updated data, which I cannot provide. Please refer to financial data providing services to fulfill this aspect of the prompt.
Recent Initiatives: Recent initiatives include expanding its international presence, launching new products, and acquiring complementary businesses to expand its product offerings and market reach.
Summary
Shift4 Payments is a key player in the payment processing industry, offering integrated solutions focused on high-volume merchants. Its growth is driven by acquisitions and technology. It faces strong competition and must effectively manage integration challenges and customer concentration. Future growth relies on market expansion and continued innovation.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Third-party market research reports
- Industry news sources
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Shift4 Payments Inc
Exchange NYSE | Headquaters Center Valley, PA, United States | ||
IPO Launch date 2020-06-05 | President, CEO, Principal Executive Officer & Director Mr. David Taylor Lauber | ||
Sector Technology | Industry Software - Infrastructure | Full time employees 4000 | Website https://www.shift4.com |
Full time employees 4000 | Website https://www.shift4.com | ||
Shift4 Payments, Inc. engages in the provision of software and payment processing solutions in the United States and internationally. The company offers payments platform, which provides 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, such as Apple Pay, Google Pay, Alipay, and WeChat Pay. It provides technology solutions, such as SkyTab POS, which provides purpose-built POS workstations; SkyTab Mobile, which provides pay-at-the-table, order-at-the-table, delivery, customer feedback, and email marketing solutions; SkyTab Venue, which provides mobile ordering, countertop POS, self-service kiosk, and digital wallet solutions; Lighthouse, a cloud-based suite of business intelligence tools that includes customer engagement, social media management, online reputation management, scheduling and product pricing, as well as extensive reporting and analytics; 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 provides merchant operations and support services, including underwriting, onboarding, and activation; training; risk management; and support. It also provides software partner operations and support services, including software integrations and compliance management; partner support; and partner 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.
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