Shift4 Payments, Inc. — Software - Infrastructure. Scored on the same transparent 7-signal model behind the daily rankings.
★
FOUR
Shift4 Payments, Inc. · Software - Infrastructure
FCF$530mC+
Rev+25.5%A-
D/E2.57D
P/E58.2xC+
PEG0.37A
75.2Score
$50.62$5.0B
1Y Target$60.14Analyst consensus · 21 analysts
5Y Target$88.06Compound horizon
10Y Target$130.62Long-dated conviction
FCF$530mTTMC+
FCF $530m — respectable but not differentiating
Rev+25.5%TTM YoYA-
Revenue +25.5% — strong growth, well above S&P median (~7%)
D/E2.57D
D/E 2.57 — most levered decile in Technology (≈95th pctile)
P/E58.2xC+
P/E 58.2 — above the Technology median (≈75th pctile)
PEG0.37A
PEG 0.37 — exceptional; paying well under fair value for growth
Forward price target — the 1-year figure is the analyst consensus where the stock is covered; the 5- and 10-year figures compound our earnings estimate from there. The DCF below is a separate cross-check on intrinsic value (what it's worth today), not another target.
Quality-growth score · 75.2
Quality0.56
Growth1.00
Value0.76
Why this score
Buying back stock
Entry · Margin of safety
52-week rangeNear 52-week low
53% off the 12-month high
vs DCF fair value42% belowest. fair value ~$88
Quality signals · context only
Gross profitability35% · B+gross profit ÷ total assets (Novy-Marx)
ROIC4.8% · C+return on invested capital — not score-weighted
Why now
Software - Infrastructure · market cap $5.0b. Down 53% from 52-week high of $108.50 — deep drawdown territory. Revenue growing +25% — in hypergrowth territory. PEG 0.37 — paying under fair value for the growth rate. 21 sell-side analysts rate this a Buy with a mean 1-yr target of $60.14 (implying +19% upside).
Moat
Free cash flow runs well ahead of reported net income — non-cash charges (depreciation, intangible amortization) are holding down GAAP earnings while cash generation stays strong. Software economics — recurring revenue, embedded customer workflows, and high gross margin all compound the moat once a base account is won. Switching costs are the lever.
Risk
D/E 2.57 is elevated — limits strategic flexibility and raises refinancing exposure if rates stay higher for longer. Trailing P/E 58.2x prices in sustained high growth — any quarter that disappoints triggers sharp re-rating. Down 53% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up.
Horizon
1-3 yr $60.14 (21-analyst consensus) — fundamentals + valuation re-rating. 5 yr $88.06 at ~12% CAGR — compounding case rests on the competitive position widening. 10 yr $130.62 if current growth sustains into durable earnings power.
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Score history · FOUR
Trend
+1.1 over 14 daily scores
From 74.1 (Jun 22) → 75.2 (now)
One point per daily model run. The range autoscales, so a flat-looking line can still hide 1–2 point moves — read the From → To values for the actual range.
Position sizing · FOUR
$
%
%
Shares to buy
39
Position size
$1,974
3.9% of portfolio
Stop price
$37.96
25% below $50.62
$ at risk if stopped
$493.54
budget $500.00 · 1% of portfolio
Math only — share count is floor(portfolio × risk% ÷ (price × stop%)). Doesn't account for commissions, slippage, gap risk, or position-correlation across your book. Inputs persist locally; never sent to the server. Not investment advice.
Shift4 Payments, Inc. (FOUR): score, valuation & FAQ
Shift4 Payments, Inc. (FOUR) is a Software - Infrastructure company that scores 75.2 out of 100 on the Bull Rankings quality-growth model — a solid, above-average reading. The score blends three pillars — quality (durable returns, healthy margins, low leverage), growth (revenue and earnings), and value (valuation versus sector peers) — into one number, refreshed daily; it is a screen, not a buy recommendation.
Its strongest graded signals are PEG (A) and Rev (A-), while D/E (D) rate weaker. On valuation, FOUR sits about 42% below our discounted-cash-flow fair value (a margin of safety).
Is FOUR a good stock to buy?
Bull Rankings scores FOUR 75.2 out of 100 on its quality-growth model, which is a solid, above-average reading. That is driven by PEG (A) and Rev (A-). A score is a quantitative screen of Shift4 Payments, Inc.'s fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.
Why does FOUR score 75.2 on Bull Rankings?
The quality-growth score blends three pillars — quality (returns on capital, margins, leverage, earnings quality), growth (revenue and earnings expansion), and value (valuation versus sector peers). FOUR earns its highest marks on PEG (A) and Rev (A-), and is held back by D/E (D). Each pillar is graded against sector-aware thresholds, then combined into the single 0–100 score.
Is FOUR overvalued or undervalued?
Based on $50.62, FOUR sits about 42% below our discounted-cash-flow fair value (a margin of safety). It trades at a 58.2x× P/E (graded C+). Discounted-cash-flow estimates are sensitive to growth and discount-rate assumptions, so treat this as a cross-check, not a price target.
What are the main risks of investing in FOUR?
D/E 2.57 is elevated — limits strategic flexibility and raises refinancing exposure if rates stay higher for longer. Trailing P/E 58.2x prices in sustained high growth — any quarter that disappoints triggers sharp re-rating. Down 53% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up.
Bull Rankings is an automated fundamentals screen for research and education. It is not investment advice, and nothing here is a recommendation to buy or sell any security. Do your own research and consider consulting a licensed financial adviser.