Shift4 Payments, Inc.(FOUR)Stock Analysis
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Rank #885 of 2,879 stocksTOP 50%
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
FOUR Stock Analysis & AI Quality Score
AI stock analysis and institutional research for Shift4 Payments, Inc. (FOUR), a Industrials sector company. 13F Pro's AI-powered ranking engine scores FOUR at 60.0/100 on a 32-signal composite quality model, placing it at rank #885 of 2,879 stocks — the top half of the AI-ranked universe. FOUR scores in the top quartile across revenue growth (85.7), revenue scale (75.2). Areas of concern include profitability (37.2) and earnings quality (39.3), which score below median versus the broader universe. Shareholder dilution risk is elevated at 41.7/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), Shift4 Payments, Inc. reports quarterly revenue of $1.1B, net income of $15.0M, an operating margin of 4.5%. Top institutional holders of FOUR by reported 13-F value include DARLINGTON PARTNERS CAPITAL MANAGEMENT,, BlackRock,, Durable Capital Partners, based on the most recent SEC filings. FOUR trades on the NYSE exchange and files with the SEC under CIK 1794669. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate FOUR daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Shift4 Payments, Inc. directly from SEC EDGAR. Shift4 Payments, Inc.'s 13F Pro composite quality score has ranged between 40 and 71 since 2021, currently 60.0 — an improving long-term trajectory across 28 quarterly and live scoring snapshots.
Revenue
Q1 2026
$1.1B
Net Income
Q1 2026
$15.0M
Free Cash Flow
Q1 2026
$128.0M
Operating Margin
Q1 2026
4.5%
ROIC
Q1 2026
0.8%
D/E Ratio
Q1 2026
2.74
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Revenue
+25.5% YoYNet Income
-50.1% YoYOperating Income
+42.1% YoYTotal Assets
+72.8% YoYTotal Debt
+29.1% YoYOp. Cash Flow
+26.8% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|
| Revenue | $4.18B +25.5% | $3.33B +29.9% | $2.56B +28.7% | $1.99B +160.0% | $766.9M +4.9% | $731.4M |
| Net Income | $147.0M -50.1% | $294.5M +139.6% | $122.9M +63.6% | $75.1M +508.2% | $-18.4M | — |
| Operating Income | $351.0M +42.1% | $247.0M +114.8% | $115.0M +21.4% | $94.7M +264.4% | $-57.6M -1209.1% | $-4.4M |
| Total Assets | $8.71B +72.8% | $5.04B +48.8% | $3.39B +32.6% | $2.55B +43.5% | $1.78B +127.0% | $784.0M |
| Total Debt | $4.56B +29.1% | $3.53B +101.6% | $1.75B -1.3% | $1.77B +72.4% | $1.03B +55.3% | $662.1M |
| Operating Cash Flow | $634.0M +26.8% | $500.0M +44.5% | $346.0M +25.6% | $275.4M +6785.0% | $4.0M -85.0% | $26.7M |
AI Insight: FOUR Financial Trends
Revenue surged 36% year-over-year to $1,121M in Q1 2026, but debt nearly tripled since Q2 2024 to $4,532M, overshadowing strong top-line growth.
• Revenue grew from $827M in Q2 2024 to $1,189M in Q4 2025, a 44% rise, with Q1 2026 at $1,121M up 32% year-over-year.
• Operating cash flow improved from $112M in Q2 2024 to $224M in Q4 2025, though Q1 2026 pulled back to $134M.
• Total debt ballooned from $1,754M in Q2 2024 to $5,419M in Q3 2025, settling at $4,532M in Q1 2026 — still 158% higher than five quarters prior.
• Net income remains thin and volatile, ranging from $15M to $116M across eight quarters, with Q1 2026 at a cycle low of $15M.
⚠ Debt rose to $5,419M in Q3 2025 before partially declining to $4,532M in Q1 2026 — trajectory and refinancing terms warrant close monitoring.
⚠ Operating margin compressed to 4.5% in Q1 2026 vs. 10.8% in Q4 2025 — seasonal or structural deterioration needs clarification.
⚠ Equity jumped from $807M to $1,592M in Q2 2025, likely acquisition-related — integration execution is a key inflection to track.
AI Insight: FOUR Ratio Trends
Shift4's Q1 seasonality dip deepened in Q1 2026, with operating margin halving to 4.5% and ROIC collapsing to 3.2% — the weakest reading outside Q1 2025.
• Operating margin shows a clear seasonal pattern: Q4 2025 peaked at 10.8%, then Q1 2026 fell sharply to 4.5%, mirroring the Q4 2024-to-Q1 2025 drop from 9.7% to 3.0%.
• Net profit margin deteriorated from 3.4% in Q4 2025 to 1.3% in Q1 2026, the lowest quarterly reading in the dataset.
• D/E ratio has moderated from a peak of 4.39 in Q1 2025 to 2.74 in Q1 2026, suggesting some deleveraging progress.
⚠ ROIC dropped to 3.2% in Q1 2026 from 8.5% in Q4 2025 — confirm Q2 2026 recovery mirrors the Q2 2025 rebound to 5.5%.
⚠ ROE of 3.6% in Q1 2026 is the lowest on record; sustained weakness here would signal structural profitability erosion beyond seasonality.
⚠ D/E remains elevated at 2.74; any re-acceleration of debt to fund acquisitions could pressure already thin return metrics.
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Available Research
13F Pro tracks comprehensive data for Shift4 Payments, Inc. including:
Top Institutional Holders of FOUR
DARLINGTON PARTNERS CAPITAL MANAGEMENT, LP
$287.6M6,576,509 shBlackRock, Inc.
$282.2M6,453,832 shDurable Capital Partners LP
$269.6M6,165,793 shWASATCH ADVISORS LP
$183.9M4,206,244 shEnsign Peak Advisors, Inc
$135.8M3,106,441 shNeuberger Berman Group LLC
$110.2M2,519,905 shVANGUARD CAPITAL MANAGEMENT LLC
$100.0M2,286,184 shVOYA INVESTMENT MANAGEMENT LLC
$94.1M99,975,000 shUBS Group AG
$94.1M2,150,968 shSTATE STREET CORP
$90.4M2,066,962 sh
| Fund | Value | Shares |
|---|---|---|
| DARLINGTON PARTNERS CAPITAL MANAGEMENT, LP | $287.6M | 6,576,509 |
| BlackRock, Inc. | $282.2M | 6,453,832 |
| Durable Capital Partners LP | $269.6M | 6,165,793 |
| WASATCH ADVISORS LP | $183.9M | 4,206,244 |
| Ensign Peak Advisors, Inc | $135.8M | 3,106,441 |
| Neuberger Berman Group LLC | $110.2M | 2,519,905 |
| VANGUARD CAPITAL MANAGEMENT LLC | $100.0M | 2,286,184 |
| VOYA INVESTMENT MANAGEMENT LLC | $94.1M | 99,975,000 |
| UBS Group AG | $94.1M | 2,150,968 |
| STATE STREET CORP | $90.4M | 2,066,962 |
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Is FOUR a good stock to buy?
13F Pro's AI-powered analysis of Shift4 Payments, Inc. (FOUR) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Industrials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for FOUR are available on the FOUR stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own FOUR?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling FOUR. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Shift4 Payments, Inc.'s investment landscape.