10-QServices-Business Services, NEC

SHIFT4 PAYMENTS, INC.

FOUR · Period ending 2026-03-31 · Filed 2026-05-07

Valuation

Services-Business Services, NEC
Live · Yahoo Finance

Price

$37.66

52-Week Range

$37.01$37.66 now$108.50

Decision Context

Altman Z-Score indicates financial distress risk. Review debt levels and cash runway before any position sizing decision.

Based on filing period ending Mar 2026

FisclearScore is a quantitative model using public financial data and sector median benchmarks (refreshed monthly). Not financial advice. Always conduct independent due diligence.

FOUR vs

Macro Context

SWOT Analysis — FOUR

Inflationary Boom
Macro lens (Inflationary Boom): Rising costs and tighter margins amplify financial risks in this regime.

Strengths

  • Total Assets: $8.7B (+72.8% YoY) — Total assets grew 73% — the company's resource base expanded.

  • Gross Profit: $278.4M (+56.6% YoY) — Gross profit rose 57% — the spread between revenue and direct costs improved.

  • Operating Cash Flow: $634.0M (+26.7% YoY) — Operating cash flow grew 27% — the business generated more cash from day-to-day operations.

  • Revenue: $4.2B (+25.5% YoY) — Revenue grew 26% — the company sold more goods or services than the prior year.

Weaknesses

  • Net Income: $119.0M (-48.2% YoY) — Profit fell 48% but remained positive.

Opportunities

No clear opportunities identified at this time.

Threats

  • Net income dropped 48% year-over-year — a significant compression in profitability.

  • Total liabilities represent 78% of total assets — elevated leverage that amplifies both gains and losses.

  • Stock is within 10% of its 52-week low (39.61) — the market may be pricing in significant risk or sector weakness.

Financial Charts

Revenue vs Net Income

Gross Profit vs Operating Income

Margin Trend

Operating Cash Flow

Year-over-Year Changes

Total Assets

$8.7B

was $5.0B

+72.8%

Total assets grew 73% — the company's resource base expanded.

Gross Profit

$278.4M

was $177.8M

+56.6%

Gross profit rose 57% — the spread between revenue and direct costs improved.

Net Income

$119.0M

was $229.6M

−48.2%

Profit fell 48% but remained positive.

Operating Cash Flow

$634.0M

was $500.3M

+26.7%

Operating cash flow grew 27% — the business generated more cash from day-to-day operations.

Revenue

$4.2B

was $3.3B

+25.5%

Revenue grew 26% — the company sold more goods or services than the prior year.

Risk Flags

0 high · 3 medium · 0 low
  • Medium

    Net income dropped 48% year-over-year — a significant compression in profitability.

  • Medium

    Total liabilities represent 78% of total assets — elevated leverage that amplifies both gains and losses.

  • Medium

    Stock is within 10% of its 52-week low (39.61) — the market may be pricing in significant risk or sector weakness.

Price History

Technical Signals

Daily closes · 1-year data

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External Links

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Research SHIFT4 PAYMENTS, INC.

Data sourced from SEC EDGAR, FRED (Federal Reserve Economic Data), and Yahoo Finance. For informational purposes only. Not financial advice.