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Upturn AI SWOT - About
FOUR 
Shift4 Payments Inc (FOUR)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/15/2025: 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 $108.1
1 Year Target Price $108.1
| 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 10/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.55B USD | Price to earnings Ratio 27.85 | 1Y Target Price 108.1 |
Price to earnings Ratio 27.85 | 1Y Target Price 108.1 | ||
Volume (30-day avg) 23 | Beta 1.69 | 52 Weeks Range 68.09 - 127.50 | Updated Date 10/17/2025 |
52 Weeks Range 68.09 - 127.50 | Updated Date 10/17/2025 | ||
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 27.85 | Forward PE 11.34 | Enterprise Value 7120951091 | Price to Sales(TTM) 1.81 |
Enterprise Value 7120951091 | Price to Sales(TTM) 1.81 | ||
Enterprise Value to Revenue 1.97 | Enterprise Value to EBITDA 16.53 | Shares Outstanding 67291183 | Shares Floating 54211594 |
Shares Outstanding 67291183 | Shares Floating 54211594 | ||
Percent Insiders 2.41 | Percent Institutions 132.55 |
Upturn AI SWOT
Shift4 Payments Inc
Company Overview
History and Background
Shift4 Payments, Inc. (FOUR) was founded in 1999 by Jared Isaacman. Initially focusing on software development, it evolved into a payment processing solutions provider. The company went public in June 2020.
Core Business Areas
- Payment Processing Solutions: Provides end-to-end payment processing services, including transaction processing, merchant acquiring, and risk management.
- Software Solutions: Offers a range of software solutions tailored for various industries, including hospitality, food & beverage, and retail, enhancing operational efficiency and customer experience.
- Hardware Solutions: Provides integrated point-of-sale (POS) hardware and related equipment to facilitate seamless payment acceptance.
Leadership and Structure
Jared Isaacman is the Founder and CEO. The organizational structure includes departments for technology, sales, marketing, finance, and operations.
Top Products and Market Share
Key Offerings
- SkyTab POS: A point-of-sale system designed for restaurants and hospitality venues, offering features such as tableside ordering, online ordering, and loyalty programs. Limited specific market share data available, but competes with Toast, Square, and Revel Systems. Competitors: Toast (TOST), Square (SQ), Revel Systems, Clover (FISV).
- DOLLARS ON THE NETu00ae: A payment gateway offering secure transaction processing for e-commerce and in-person payments. Competitors: Authorize.net (Visa), Braintree (PayPal), Stripe. No specific market share is readily available.
Market Dynamics
Industry Overview
The payment processing industry is experiencing rapid growth, driven by increasing adoption of digital payments and e-commerce. Key trends include contactless payments, mobile wallets, and integrated payment solutions.
Positioning
Shift4 Payments Inc positions itself as a provider of integrated payment processing and software solutions, targeting specific verticals like hospitality and food & beverage. Its competitive advantages include its focus on specific industries and integrated solutions.
Total Addressable Market (TAM)
The global digital payments market is projected to reach trillions of dollars. Shift4 is positioned to capitalize on this growth through its integrated solutions and targeted vertical strategy.
Upturn SWOT Analysis
Strengths
- Integrated solutions
- Focus on specific verticals
- Strong customer relationships
- Proprietary technology
- Scalable platform
Weaknesses
- Reliance on specific industries
- Potential integration challenges
- Dependence on key personnel
- Smaller market share compared to larger competitors
Opportunities
- Expansion into new verticals
- Partnerships with other technology providers
- Increased adoption of digital payments
- International expansion
- Acquisitions of complementary businesses
Threats
- Increased competition
- Changes in regulations
- Data security breaches
- Economic downturn
- Technological disruptions
Competitors and Market Share
Key Competitors
- FISV
- GPN
- SQ
- ADYEY
- WOR
Competitive Landscape
Shift4 Payments Inc faces competition from larger, more established players in the payment processing industry, as well as from smaller, niche providers. Its competitive advantages include its focus on specific verticals and integrated solutions. Shift4 operates in a highly competitive landscape, requiring constant innovation and adaptation.
Major Acquisitions
The Giving Block
- Year: 2022
- Acquisition Price (USD millions): 54
- Strategic Rationale: Expand into the cryptocurrency donation market and offer cryptocurrency payment options.
Growth Trajectory and Initiatives
Historical Growth: Shift4 Payments Inc has experienced growth through organic means and acquisitions.
Future Projections: Analyst estimates suggest continued revenue growth for Shift4 Payments Inc, driven by its integrated solutions and market expansion.
Recent Initiatives: Recent strategic initiatives include acquisitions of companies, partnerships and the development of new product offerings.
Summary
Shift4 Payments is a growing player in the payments industry with strengths in integrated solutions and vertical focus. The company faces competition and regulatory challenges. Strategic acquisitions and international expansion are pivotal to continued growth. Shift4's innovative SkyTab platform and focus on hospitality position it well for future success. They should continue focusing on maintaining customer satisfaction.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Investor Relations Materials
- Industry Reports
- Analyst Reports
- Company Website
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change. Consult with a qualified financial advisor before making any investment decisions.
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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