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Upturn AI SWOT - About
FOUR 
Shift4 Payments Inc (FOUR)
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Upturn Advisory Summary
03/03/2025: FOUR (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 11.81% | Avg. Invested days 49 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 03/03/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 7.46B USD | Price to earnings Ratio 27.62 | 1Y Target Price 127.7 |
Price to earnings Ratio 27.62 | 1Y Target Price 127.7 | ||
Volume (30-day avg) 2090986 | Beta 1.76 | 52 Weeks Range 55.87 - 127.50 | Updated Date 04/1/2025 |
52 Weeks Range 55.87 - 127.50 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 3.03 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 6.89% | Operating Margin (TTM) 10.53% |
Management Effectiveness
Return on Assets (TTM) 4.01% | Return on Equity (TTM) 31.23% |
Valuation
Trailing PE 27.62 | Forward PE 17.15 | Enterprise Value 7331658359 | Price to Sales(TTM) 2.24 |
Enterprise Value 7331658359 | Price to Sales(TTM) 2.24 | ||
Enterprise Value to Revenue 2.2 | Enterprise Value to EBITDA 20.55 | Shares Outstanding 67777200 | Shares Floating 57925367 |
Shares Outstanding 67777200 | Shares Floating 57925367 | ||
Percent Insiders 1.8 | Percent Institutions 116.18 |
Analyst Ratings
Rating 4.35 | Target Price 118.24 | Buy 5 | Strong Buy 13 |
Buy 5 | Strong Buy 13 | ||
Hold 5 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Shift4 Payments Inc
Company Overview
History and Background
Shift4 Payments was founded in 1999 by Jared Isaacman. Initially focused on providing payment processing solutions for the hospitality industry, it has expanded to serve diverse sectors, including retail, restaurants, and e-commerce. The company has grown organically and through strategic acquisitions, becoming a significant player in the payments technology landscape.
Core Business Areas
- Payment Processing: Provides secure and reliable payment processing services for businesses of all sizes. This includes credit and debit card processing, mobile payments, and online payments.
- Point-of-Sale (POS) Systems: Offers a range of POS systems designed to streamline operations and enhance customer experiences for businesses in various industries.
- Integrated Solutions: Provides integrated payment solutions that connect seamlessly with other business systems, such as accounting software and customer relationship management (CRM) platforms.
- E-commerce Solutions: Offers payment gateways and other e-commerce solutions that enable businesses to accept online payments securely and efficiently.
Leadership and Structure
Jared Isaacman is the CEO of Shift4 Payments. The company has a typical corporate structure with a board of directors overseeing executive management.
Top Products and Market Share
Key Offerings
- SkyTab: A comprehensive POS system for restaurants and hospitality businesses. It competes with Toast, Square, and Clover. Market share is estimated to be growing rapidly as of late 2023/early 2024, but specific market share data is hard to pin down as the POS market is fragmented and data is often self-reported by companies. Revenue is not broken out specifically for SkyTab but it's a major growth driver for the company. Competitors: Toast (TOST), Block (SQ), Clover (FISV)
- DOLLARS ON THE NET: A payment gateway providing secure transaction processing for e-commerce businesses and POS systems. Competes with other payment gateways like Stripe and Authorize.Net. Market share for gateway services is also highly fragmented. Revenue isn't explicitly reported, but it's a component of their overall payment processing revenue. Competitors: Stripe, Adyen (ADYEY), Authorize.Net (VISA)
- Shift4Shop: An e-commerce platform. It competes with Shopify, Wix, and BigCommerce. Competitors: Shopify (SHOP), Wix (WIX), BigCommerce (BIGC)
Market Dynamics
Industry Overview
The payment processing industry is experiencing rapid growth, driven by the increasing adoption of digital payments and e-commerce. The industry is also becoming more competitive, with new players constantly entering the market.
Positioning
Shift4 Payments is positioned as a leading provider of integrated payment solutions for businesses of all sizes. It differentiates itself through its focus on providing secure, reliable, and innovative payment solutions.
Total Addressable Market (TAM)
The global digital payments market is projected to reach trillions of dollars. Shift4 Payments is targeting a significant portion of this TAM by offering a comprehensive suite of payment solutions.
Upturn SWOT Analysis
Strengths
- Integrated payment solutions
- Strong customer relationships
- Innovative technology
- Experienced management team
- Focus on vertical markets
Weaknesses
- Reliance on third-party processors
- Exposure to cybersecurity risks
- Integration challenges with acquired companies
- Competition from larger players
Opportunities
- Expanding into new markets
- Acquiring complementary businesses
- Developing new payment solutions
- Capitalizing on the growth of e-commerce
Threats
- Increasing competition
- Regulatory changes
- Economic downturn
- Cybersecurity breaches
- Technological obsolescence
Competitors and Market Share
Key Competitors
- FISV
- SQ
- GPN
- ADYEY
Competitive Landscape
Shift4 Payments competes with larger, more established payment processors, as well as smaller, niche players. Its advantages include its integrated solutions and its focus on specific vertical markets. Disadvantages include its reliance on third-party processors and its exposure to cybersecurity risks.
Major Acquisitions
The Giving Block
- Year: 2022
- Acquisition Price (USD millions): 54
- Strategic Rationale: To expand Shift4's capabilities into the cryptocurrency donation market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been strong, driven by acquisitions and organic growth in payment processing volume.
Future Projections: Future projections depend on analyst estimates and company guidance, found in investor presentations and financial news sources.
Recent Initiatives: Recent initiatives include acquisitions, partnerships, and the launch of new products and services.
Summary
Shift4 Payments is a significant player in the payments processing industry with a focus on integrated solutions. It has shown robust historical growth and targets expansion within a large addressable market. Potential weaknesses include competition and reliance on third-party processors. Recent acquisitions show a drive for innovation, and continued growth depends on successful strategic initiatives and market conditions.
Similar Companies
- FISV
- SQ
- GPN
- ADYEY
- SHOP
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Earnings Reports
- Analyst Reports
- Industry News
- Investor Presentations
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data and analyst estimates are subject to change. Do your own research before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Shift4 Payments Inc
Exchange NYSE | Headquaters Center Valley, PA, United States | ||
IPO Launch date 2020-06-05 | Founder, CEO & Chairman Mr. Jared Isaacman | ||
Sector Technology | Industry Software - Infrastructure | Full time employees 4000 | Website https://www.shift4.com |
Full time employees 4000 | Website https://www.shift4.com | ||
Shift4 Payments, Inc. engages in the provision of software and payment processing solutions in the United States and internationally. The company offers payments platform, which provides omni channel 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 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, as well as extensive reporting and analytics; The Giving Block, a cryptocurrency donation marketplace; Shift4Shop, an ecommerce platform that creates a webstore and tools to manage product catalog, order fulfillment and inventory management, search engine optimization, and secure hosting; and Marketplace that enables integrations into third-party applications, as well as loyalty and inventory management. In addition, the company provides merchant operations and support services, including underwriting, onboarding, and activation; training; risk management; and support. It also 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 network, enterprises, and value-added resellers. The company was founded in 1999 and is headquartered in Center Valley, Pennsylvania.
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