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Shift4 (FOUR)

Information Technology · payment processing services · NYSE

Shift4 is an integrated payments and commerce technology provider specialized in high-volume, complex vertical markets like hospitality and restaurants.

What Shift4 does

Shift4 Payments provides integrated payment processing solutions and commerce-enabling technology. The company offers end-to-end payment services, including hardware, software, and gateway technology, primarily focused on complex verticals such as hospitality, retail, and e-commerce.

Themes: fintech, payments infrastructure, point of sale software, vertical SaaS

Fundamentals

  • Price$39.52 as of 2026-10-08 close
  • Market cap$3.1B as of 2026-07-31 (share count; price 2026-10-08)
  • 1-year return-50.3% 2025-10-08 close $79.50 → 2026-10-08 close $39.52
  • P/E31.05 as of 2026-10-08
  • Net margin+2.8% FY2025, SEC XBRL
  • Gross margin+20.4% FY2021, SEC XBRL
  • ROE+6.1% FY2025, SEC XBRL
  • Debt / equity2.79 as of 2026-09-03
  • Revenue growth (YoY)+32.4% as of 2026-09-03
  • Revenue CAGR (3y)+28.0% SEC XBRL
  • Beta1.29 as of 2026-09-03
  • Last reported earnings2026-08-06 SEC EDGAR Form 8-K (Item 2.02)

Dividend: yield +1.6%; pays a dividend.

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How FOUR compares in its sector

  • price-to-earnings ratiomiddle range 253 covered Information Technology peers, as of 2026-10-08
  • net profit marginmiddle range 380 covered Information Technology peers, as of 2026-09-03
  • operating marginmiddle range 375 covered Information Technology peers, as of 2026-09-03
  • gross marginbottom 25% 311 covered Information Technology peers, as of 2026-09-03
  • return on equitymiddle range 370 covered Information Technology peers, as of 2026-09-03
  • 3-year revenue CAGRtop 25% 385 covered Information Technology peers
  • indicated dividend yieldtop 25% 108 covered Information Technology peers, as of 2026-09-03
  • free cash flow (absolute dollars, latest fiscal year)top 25% 382 covered Information Technology peers, as of FY2025

Position among covered Information Technology companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.

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Top 10 scores & list membership

FOUR is not currently in any published Top 10 list. Its scores are below.

Top 10 score

53.5 #546 of 1,379 scored · #100 of 203 in Information Technology

  • Profitability34.6
  • Growth89.1
  • Financial health37.9
  • Valuation68.1
  • Capital return99.5
  • Trend14.5

Capital return 100th (net share count bought back over the year 20.1) and growth 89th (3-year revenue CAGR 28%, revenue growth year over year 32.4%); weakest is trend (15th, a "death cross" — its 50-day average is below its 200-day).

Scores as of 8 Oct 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 4.

How Shift4 looks technically

Shift4 (FOUR) is trading 18.8% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed below its 200-day average about 284 trading days ago — a "death cross", a bearish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 17, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 48, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 3 trading days ago (its momentum flipped positive). It made a new 20-day low about 6 trading days ago. It is 51.2% below its highest point of the past year.

Trend

8
Distance from the 200-dayit is trading 18.8% below its 200-day average, the long-term trend line — a long-term downtrend-18.8%
50-day moving averageits average price over the last 50 trading days — a short-term trend line — is $43.39$43.39
200-day moving averageits average price over the last 200 trading days — the long-term trend line — is $48.66$48.66
Swing structureeach recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes nextlower highs and lower lows
Last swing turnits last significant turn was a swing low 7 calendar days ago — the swings before that are what the structure reading is measured on7 sessions
Wave structureits recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in the fourth leg, a pullback against that downward direction; the labelling fails if price closes above 40.79. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a completed three-part correction.possible downward five-wave sequence, in wave 4 (one of several readings)
Since the 50/200 crossits 50-day average crossed below its 200-day average about 284 trading days ago — a "death cross", a bearish long-term signal284 sessions
Trend strength (14-day ADX)there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 17, below the 25 that marks a real trend)17.3

Momentum

3
14-day RSImomentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 48, neither overbought (above 70) nor oversold (below 30)47.8
Position in its 14-day rangeit is trading near the top of its 14-day range ($35.27 to $40.19) — its "stochastic" reading is 86 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions.86.4
Since the MACD crossed zeroMACD, a trend-momentum gauge, turned bullish about 3 trading days ago (its momentum flipped positive)3 sessions

Range

12
52-week highits highest closing price over the past year (about 252 trading days) was $80.98$80.98
From the 52-week highit is 51.2% below its 52-week high (its highest price of the past year)-51.2%
Above the 52-week lowit is 14.4% above its 52-week low (its lowest price of the past year)+14.3%
Below the 52-week highit is 51.2% below its highest point of the past year51.2%
Since a 20-day breakoutit made a new 20-day low about 6 trading days ago6 sessions
Since a 55-day breakoutit made a new 55-day low about 6 trading days ago6 sessions
All-time highits highest closing price on record is $127.50 (set on 2025-02-18)$127.50
Given back of the 52-week moveover the past year its closes ranged ($35.58 to $79.50), and it has recovered only a small part of its fall from last year’s high — 9% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $62.72 to $64.13. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast.9.0%
From the all-time highit is 69.0% below its all-time high-69.0%
Nearest price levelit is sitting right on a resistance level at $39.71 — a price it turned at four times since 2026-04-09, most recently on 2026-08-07. Since 2024-10-08 it has 0 such levels below the current price and 20 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go.+0.5%
All-time lowits lowest closing price on record is $29.40 (set on 2022-07-13)$29.40
Above the all-time lowit is 34.4% above its all-time low+34.4%

Volatility

5
Band width vs its own 6 monthsday-to-day price swings are about average versus its own recent 6-month history65th percentile
Typical daily rangein a typical session it travels about $2.14 between its high and its low — about 5.4% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was$2.14
Bollinger bands (20-day, ±2σ)most of its recent trading has stayed between about $33.96 and $44.57 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles$33.96 – $39.26 – $44.57
Typical daily range (% of price)its price moves about 5.4% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price5.4%
Stretch from the 200-day averageit is trading 4.3 daily ranges below its 200-day average price (18.8% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale4.3 daily ranges below its 200-day average

Volume

1
Volume vs its 30-day averagetrading volume is about normal versus its 30-day average1.11×

Analyst

2
Change in the average price targetanalysts' average price target is unchanged from the prior reading0.0%
Change in the consensus ratingthe analyst consensus rating is unchanged since the prior readingunchanged

Candlestick patterns

1
Since a hammer7 sessions ago, after a stretch of decline, it sold off hard during the session and then closed back near its high — a "hammer", the long lower wick showing the drop was bought back before the close7 sessions ago

Price gaps

2
Gap at the openit opened on 2026-10-08 0.2% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close+0.2%
Gap filleda 3.1% gap up opened on 2026-08-25 has been "filled" 31 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it31 sessions ago

Price streaks

1
Closing streakit has closed higher 5 sessions in a row, a +11.07% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session5 sessions up

Relative strength

4
vs market, 1 monthover the past 1 month this stock lagged the market by 7.6 percentage points (the stock lost 6.6% while the market gained 1.0%)-7.6%
vs market, 3 monthsover the past 3 months this stock lagged the market by 21.2 percentage points (the stock lost 17.4% while the market gained 3.8%)-21.2%
vs market, 6 monthsover the past 6 months this stock lagged the market by 23.9 percentage points (the stock lost 6.4% while the market gained 17.5%)-23.9%
vs market, 12 monthsover the past 12 months this stock lagged the market by 65.3 percentage points (the stock lost 50.3% while the market gained 15.0%)-65.3%

Signal agreement

2
Bullish technical signals1 of the 9 technical signals we can compute for it is currently in a bullish state: MACD momentum is positive — these describe past price behaviour, not a forecast1 of 9
Bearish technical signals5 of the 9 technical signals we can compute for it are currently in a bearish state: a "death cross" — its 50-day average is below its 200-day, trading below its 200-day average, lagging the market over 6 months, near the top of its 14-day range (overbought), trading below the Ichimoku cloud — these describe past price behaviour, not a forecast5 of 9

Trend (Ichimoku cloud)

1
Vs the Ichimoku cloudtrading 16% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is thin, spanning 1.6% of the share price, which is taken to mean a barrier that gives way easily.-16.2%

Volume-weighted price

2
Vs this year’s average price paidthe price is 17% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $47.82 — a volume-weighted average of daily closes over 191 sessions, not a true tick-by-tick VWAP.-17.4%
Vs the average paid since it last reportedthe price is 6% below the average price paid since it last reported on 2026-08-06 (its 10-Q), so the typical buyer over that stretch is under water. That average is $42.00 — a volume-weighted average of daily closes over 45 sessions, not a true tick-by-tick VWAP.-5.9%

Price levels it has turned at before

FOUR last closed at $39.52 on 2026-10-08. Since 2024-10-08 it has turned at 0 prices below its last close and 20 above; the 3 nearest above are listed, nearest first.

LevelSideDistanceEvidence
$39.71Resistance0.5% above the last closeturned there four times · 2026-04-09 to 2026-08-07
$40.70Resistance3.0% above the last closeturned there twice · 2026-03-20 to 2026-09-01
$43.56Resistance10.2% above the last closeturned there twice · 2026-03-02 to 2026-04-24

A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.

Wave structure

Its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 4 of five, a pullback against that direction.

This labelling fails — stops being a possible reading at all — if it closes above $40.79.

This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.

On past moves of this shape the leg has usually ended somewhere between $37.95 and $40.79 — that is where it has tended to end if the count holds, not a forecast of where the price goes.

Alternate reading: The same swings also read as a completed three-part correction, which fails on a close below $35.27.

This reading has stood for 1 trading day, since 2026-10-08.

Read from daily closes as of 2026-10-08.

An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.

Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.

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Analyst consensus

  • Consensus ratingBuy (2.08 mean, 1=Strong Buy…5=Strong Sell) — 21 analysts
  • Mean price target$53.90 range $40.00 – $94.00; median $50.00

Analyst estimates, as of 2026-10-09. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.

Analyst EPS estimate for FOUR

  • Consensus EPS estimate$1.37 next reporting period, as of 2026-10-09
  • Estimate change, 30 days-$0.0118 (-0.9%) from $1.38, on 2026-09-04, 35-day window
  • Readings revised upward25% of 8 comparable readings

The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.

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Key risks (from latest filing)

["Significant indebtedness and related debt service obligations","Dependence on the performance and continued growth of its merchant base across specific industry verticals","Exposure to evolving regulatory and cybersecurity risks within the payment processing industry"]

See FOUR's biggest risks from its latest 10-Q →

What changed in the latest 10-Q

AI-assisted comparison of FOUR's 10-Q filed 2026-08-06 against the prior one filed 2026-05-07.

Management's Discussion & Analysis (MD&A)

  • Added:
    • The newer filing (2026-08-06) adds a new 'Pending Acquisition' section stating that in August 2026, the Company signed a definitive agreement to acquire 100% of an account-to-account payments company for an initial payment of approximately $143 million of cash, with contingent consideration of up to $173 million, for an aggregate maximum consideration of approximately $316 million, expected to close in the second half of 2026 subject to customary regulatory approvals.
    • The newer filing (2026-08-06) adds dynamic currency conversion services to the description of the Company's service offerings.
    • The newer filing (2026-08-06) adds a description of tax-free shopping within the leading independent provider statement.
  • Removed:
    • The older filing (2026-05-07) includes a 'Recent Developments' section with a 'Transaction Agreement' subsection (dated February 7, 2026) describing the Up-C Collapse, TRA assignment and waiver, Stockholders Agreement Waiver, non-compete agreement, NASA Administrator service termination, and considerations to Mr. Isaacman (via Rook) of approximately $139 million cash, 423,296 shares of mandatory convertible preferred stock, and deemed satisfaction of the 50% discretionary equity award program funding obligation. This section is not present in the newer filing.
    • The older filing (2026-05-07) includes a 'Recent Acquisition' subsection describing the March 2, 2026 completion of the Bambora acquisition (Worldline's North American subsidiaries) for approximately $92 million in cash. This subsection is not present in the newer filing.
    • The older filing (2026-05-07) mentions the acquisition of Global Blue Group Holding AG in the third quarter of 2025 and describes the Company as a global leader in tax-free shopping as a result of that acquisition. This reference is not present in the newer filing.
  • Reworded:
    • The mission statement changed from 'our mission is to boldly redefine commerce by simplifying complex payments ecosystems across the world' (older filing, 2026-05-07) to 'our mission is to power the experience economy by enabling businesses to deliver the moments that matter' (newer filing, 2026-08-06).
    • The description of the Company's leadership changed from 'We are a leading independent provider of software and payment processing solutions in the U.S., as well as a global leader in tax-free shopping ('TFS') as a result of the acquisition of Global Blue Group Holding AG ('Global Blue') in the third quarter of 2025' (older filing, 2026-05-07) to 'We are a leading independent provider of software, payment processing, tax-free shopping ('TFS'), and dynamic currency conversion services. You will find our technology in restaurants, hotels, stadiums, theme parks, luxury retailers and many other businesses who seek to deliver a world-class experience to their customers' (newer filing, 2026-08-06).
    • The description of how the leadership position was achieved changed from 'decades of solving business and operational challenges facing our customers' overall commerce needs' (older filing, 2026-05-07) to 'decades of problem solving and constant technological evolution' (newer filing, 2026-08-06).
    • The transaction volume description changed from 'We power billions of transactions annually for hundreds of thousands of businesses in virtually every industry' (older filing, 2026-05-07) to 'In that capacity, we facilitate billions of transactions annually for hundreds of thousands of businesses in virtually every industry' (newer filing, 2026-08-06).
    • The sentence about achieving leadership position now directly follows the service description without the Global Blue reference, and 'decades of solving business and operational challenges' was replaced with 'decades of problem solving and constant technological evolution' in the newer filing.
  • Notes:
    • The provided excerpts are truncated; the older filing excerpt ends mid-sentence in the Key Financial Definitions section, and the newer filing excerpt also ends mid-sentence in the Advertising and marketing expenses section. Changes beyond the excerpted text cannot be assessed.
    • The older filing includes a 'Recent Developments' section with Transaction Agreement and Bambora acquisition details that are absent from the newer filing excerpt. The newer filing instead includes a 'Pending Acquisition' section. It cannot be determined from the excerpts alone whether the removed sections were intentionally deleted or simply appear elsewhere or after the excerpt cut-off.

Risk Factors

  • Added:
    • Newer filing (2026-08-06) shows share repurchase activity for the three months ended June 30, 2026, with 652,300 shares repurchased in June 2026 at an average price of $38.32, totaling 652,300 shares.
    • Newer filing (2026-08-06) shows approximate dollar value that may yet be purchased under repurchase plans as $375 million as of June 30, 2026, after being $400 million for April and May 2026.
  • Removed:
    • Older filing (2026-05-07) disclosed an unregistered sale of 423,296 shares of 6.00% Series A Mandatory Convertible Preferred Stock on February 7, 2026, in a private placement to the Founder in connection with the Simplification Transactions.
    • Older filing (2026-05-07) showed share repurchase activity for the three months ended March 31, 2026, including 490,182 shares in January 2026 at $60.13, 2,896,959 shares in February 2026 at $57.22, and 2,098,100 shares in March 2026 beginning at $47 (text truncated).
    • Older filing (2026-05-07) showed approximate dollar value that may yet be purchased under repurchase plans as $666 million for January 2026 and $500 million for February 2026.
  • Notes:
    • The Risk Factors text itself is identical between the two filings; only the surrounding Item 2 repurchase and unregistered sales disclosures differ.
    • The older filing text is truncated at the March 2026 repurchase row, so the full March 2026 average price and total shares data are incomplete.

AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.

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Insider activity (SEC Form 4)

No open-market insider purchases or sales recorded in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.

  • Last 180 days · read to 2026-10-042 buys ($16M) · 0 sells — 1 buying insider

Most recent open-market transaction: 2026-05-12. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.

View full insider trading history → View SEC Form 3/4/5 filings

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Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.

Institutional ownership (13F)

4 institutional 13F filers reported holding FOUR as of 2026-06-30 (quarter-end position, filed within 45 days).

  • Distinct 13F filers 4
  • Reported shares held 13,901,537
  • Reported value $676,158,629

reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 2 increased, 2 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".

Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.

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Short interest (FINRA)

FOUR had 14,843,102 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).

FOUR had 18.8% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 7 days to cover at the same settlement.

  • Reported short interest (shares) 14,843,102
  • Short interest (% of shares outstanding) 18.8%
  • Prior settlement (shares) 13,688,642
  • Reported change 8.43%
  • Days to cover (reported) 7

Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.

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Competitors & peers

AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.

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Frequently asked questions

What does Shift4 (FOUR) do?

Shift4 Payments provides integrated payment processing solutions and commerce-enabling technology. The company offers end-to-end payment services, including hardware, software, and gateway technology, primarily focused on complex verticals such as hospitality, retail, and e-commerce.

What sector is Shift4 (FOUR) in?

Shift4 (FOUR) is classified in the Information Technology sector. Its industry is payment processing services. It trades on NYSE.

Does FOUR pay a dividend?

Yes — Shift4 (FOUR) pays a dividend, with an indicated yield of about 1.60% (market data, as of 2026-09-03). Informational only — not financial advice.

Who are Shift4's (FOUR) competitors?

Notable peers of Shift4 (FOUR) include Toast, Fiserv, Global Payments, Block and Adyen. This peer set is informational only — not financial advice.

Is Shift4 (FOUR) overbought or oversold right now?

Shift4 (FOUR) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 48, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.

Where does stocks-llm's data on FOUR come from?

Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.

Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.

Last updated 2026-10-08.

Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.