Shift4 Payments Inc (FOUR) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Shift4 Payments Inc stock $64.21, price $43.96, upside +46.1%, quality 43 out of 100. Rating: undervalued. Calculated from audited financials with 20 of our 26 valuation models and 37 quality factors, updated daily.
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Shift4 Payments Inc
FOUR · USThe stock costs 32% less than our calculation considers fair.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range $30.47 – $125.66 · fair‑value band $36.81 – $83.48 · the $43.96 price screens below the $64.21 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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Company profile
Shift4 Payments, Inc. engages in the provision of software and payment processing solutions in the United States and internationally.
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The company offers a payments platform, which provides omnichannel 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 also 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, extensive reporting, and analytics; The Giving Block, a cryptocurrency donation marketplace; Shift4Shop, an e-commerce platform that creates a web store and tools to manage product catalog, order fulfillment and inventory management, search engine optimization, and secure hosting; and Marketplace, which enables integrations into third-party applications, as well as loyalty and inventory management.
In addition, the company offers merchant operations and support services, including underwriting, onboarding, and activation; training; risk management; and support services.
Further, it 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 networks, enterprises, and value-added resellers. Shift4 Payments, Inc. was founded in 1999 and is headquartered in Center Valley, Pennsylvania.
Stock analysis
Shift4 Payments Inc (FOUR) currently trades at $43.96, while our model-based Fair Value estimate is $64.21, implying the stock looks roughly 32% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of $115.54 per share, and 15 of the 20 models we run sit above the $43.96 price.
Bear case: the Economic Profit group reads lowest at $15.21, and 5 of the 20 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $36.81 (bear) to $83.48 (bull), the price of $43.96 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 43/100 (below-average quality), in the Technology sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Shift4 Payments Inc reported revenue of $4.2B in FY2025 versus $1.4B in FY2021, a compound +32.2%/yr. Reported net income was $119M in FY2025.
Key figures
Market cap $3.5B Mid · P/E ratio 53.0 · P/S ratio 0.71 · EPS (TTM) $0.8300 · Net margin 2.3% · Return on equity 6.8% · Return on assets (EBIT) 2.8% (5-year average) · Operating margin 10.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (medium confidence).
What moves the price
The last reported earnings sit well below what analysts expect (earnings in transition, for example after write-downs or an earnings dip); whether the stock is cheap or expensive hinges on the expected recovery actually arriving. Read the fair value with that caveat.
The share trades about 40% below its 52-week high and 24% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Technology peers we cover trades at −11% fair-value upside, at 46%, FOUR screens cheaper than that median.
Fair Value models
All 20 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, no officer or director bought or sold shares on the open market.
- BuyJared Isaacman10% owner4× since Feb 26, 2026: 774,257 shares, avg. $43.41$33.6MMay 12, 2026
- SaleDavid Taylor LauberChief Executive Officer, Director12,000 shares at $69.00$828,054Dec 11, 202510b5-1 plan
- SaleNancy DismanDirector5,000 shares at $69.50$347,500Dec 11, 202510b5-1 plan
- SaleJames J. WhalenOfficer1,438 shares at $71.50$102,817Nov 12, 202510b5-1 plan
Plus 8 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
Growth Forecast
Watch FOUR, get fair value alerts →
Recent news
- How Investors Are Reacting To Shift4 Payments (FOUR) Lowered Profit Outlook
- Shift4 Payments (FOUR) Acquires Paramount Commerce To Enter Canadian Pay By Bank
- Why Did Shift4 Payments (FOUR) Stock Drop After Its Latest Update?
- Shift4’s 3Q Net Income Climbs Along with EBITDA
Compare Shift4 Payments Inc with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Infrastructure · 345 stocks
Valuation Multiplesvs Software - Infrastructure median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Industrials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Fair value gap by industry
- Return on assets by industry
- PEG screener for stocks with fair value
- Undervalued stocks: Industrials
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Software - Infrastructure stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Fortinet, Inc FTNT | $118.84 | $134.76 | +13% | vs FOUR |
| Microsoft Corporation MSFT | $530.61 | $583.67 | +10% | vs FOUR |
| Oracle Corporation ORCL | $116.10 | $111.97 | −4% | vs FOUR |
| NetApp, Inc NTAP | $169.19 | $156.80 | −7% | vs FOUR |
| Block, Inc XYZ | $85.48 | $76.43 | −11% | vs FOUR |
| Synopsys, Inc SNPS | $450.46 | $288.23 | −36% | vs FOUR |
| Zscaler, Inc ZS | $197.66 | $101.45 | −49% | vs FOUR |
| Palantir Technologies Inc PLTR | $160.38 | $42.20 | −74% | vs FOUR |
| CrowdStrike Holdings CRWD | $216.90 | $37.97 | −82% | vs FOUR |
| Palo Alto Networks, Inc PANW | $313.84 | $39.54 | −87% | vs FOUR |
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