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FOFOUR

Shift4 Payments, Inc.

Rising onWhy it's trendingX chatter picking upBacked by solid revenue growthPrice and volume picking up
$FOUR·$4.1B·Software - Infrastructure·Technology
$39.40+0.2%YTD-38.7%1Y-46.8%
Price updated 13h ago·X counts updated 5d ago
FOFOUR
$FOURShift4 Payments, Inc.
$39.40+0.15%95 posts1.1×
AI analysisFundamentalsVoices on X
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On X

Top X posts

The complete picture of $FOUR on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

95X posts · last 7 days
Sep 29Oct 11
Chatter Meter
1.1×
QuietNormal · 1×Loud

How loud $FOUR's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level, louder than 87% of tracked names.

Mixed sentimentAI analysisGenerated by AI from underlying data7 posts analyzed · as of 2026-10-02

Sentiment is split on Shift4 — bulls argue 5x NTM FCF is a steal with high operating leverage, management killed the terrible Up-C structure and is buying back stock, and the "stadiums to Starlink" partnership rail is being pitched as the growth story. The pointed bear voice flags big debt, poor management decisions, hidden costs from M&A, and little organic growth. The debate is "would FOUR trade at a higher multiple if M&A capex redirected to organic growth."

Read what X is saying about $FOUR

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $FOUR — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersSelling offAI verdict · as of 2026-10-02

Falling on heavy selling — points lower unless it turns around.

Shift4 at 2% of 52-week range — 32% revenue growth, Up-C restructure buybacks, high leverage is the honest overhang.

Shift4 Payments provides integrated payments-and-technology solutions — omni-channel card acceptance, Lightning POS, specialty-vertical commerce platforms. The stock is at 2% of its 52-week range after a 44% YTD decline on 2.28x normal volume.

  • The P&L is accelerating: revenue grew 32.1% YoY to $1.12B last quarter at a 4.5% operating margin and 35% gross margin — strong growth with modest margins; the FY27 EPS estimate at $1.40 reflects the operational leverage.
  • The specific bull case is tangible: share buybacks killing the Up-C structure, 5x NTM FCF, 'high leverage + low valuation + manageable debt = margin and multiple expansion' — a legitimate value framing.
  • The specific bear case is honest: big debt, poor management, hidden acquisition costs, little organic growth — the stock is split tape with both camps correctly identified.

Breaking-down holds unless Nov 5 earnings confirm organic revenue growth above 20% YoY and operating margin stays above 4%. Another soft organic growth print, or any specific commentary on acquisition-integration costs, is what seals the de-rating; a FY27 FCF guide above $700M plus a specific buyback-aggressive commentary is what breaks the tape higher.

Agrees with X sentimentThe X split is accurate — bulls on buybacks killing Up-C, 5x NTM FCF, and multiple expansion thesis; bears on big debt, poor management, hidden acquisition costs, and little organic growth. Neither has conviction; this is a legitimate tug-of-war setup.

What to watch: Nov 5 earnings — organic revenue growth above 20% YoY, acquisition-integration-cost commentary, FCF trajectory, FY27 FCF guide. A soft organic print or integration-cost commentary is what seals the breaking-down.

On the calendar: 2026-11-05 — Q3 FY26 earnings

Read the AI verdict on $FOUR

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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What it does

Plain-English summary of the business — what they sell and how they make money.

Integrated payment processing and POS technology focused on hospitality, food service, and entertainment verticals.

Industry overviewAI analysisGenerated by AI from underlying data

Where Software - Infrastructure sits in its cycle right now — and what that implies for $FOUR.

Software - Infrastructure · Technology

No material change from last week — AI infrastructure capex bifurcates the cohort — GPU-cloud providers and AI-native security platforms absorbing enterprise spend, while legacy SaaS faces multiple compression. GPU-cloud platforms and AI-native security tools absorb enterprise spend while legacy SaaS faces multiple compression.

What this means for $FOUR

Partial — Integrated payment processing and POS technology focused on hospitality, food service, and entertainment verticals.; AI-generated telemetry volumes are expanding monitoring spend, but competitive consolidation into platform deals compresses standalone tool pricing.

Top industry ETF

$IGViShares Expanded Tech-Software Sector ETF
+4.2%YTD
-7.5%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
27.5How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
4.3%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
8.4%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
18.7%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
0.8Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
6.4%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
35.1%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
2.8Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Aug 6, 2026$1.32$1.26+4.8%
Q1 2026May 7, 2026$0.97$0.99-2.0%
Q4 2025Feb 26, 2026$1.60$1.57+1.9%
Q3 2025Nov 6, 2025$1.47$1.46+0.7%
Next earningsThu, Nov 5·consensus EPS $1.37

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$1.1B+32.1%35.0%4.5%$-0.01$96.0M
Q4 FY25$1.2B+34.0%37.8%10.8%$0.37$187.0M
Q3 FY25$1.2B+29.4%36.5%9.7%$0.19$272.5M
Q2 FY25$966.2M+16.8%30.3%8.6%$0.35$93.0M

Forward consensus

4-year forecast · up to 14 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$5.0B$4.8B – $5.5B$6.36$4.86 – $9.9914
FY27$5.6B$5.2B – $6.4B$7.94$7.38 – $8.4011
FY28$6.9B$6.2B – $7.7B$8.15$5.68 – $10.7810
FY29$3.4B$3.2B – $3.6B$8.17$7.62 – $8.955

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.6×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.11%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-5.7%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.-17.2%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatLow float · 44.1M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today2.8% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β1.395-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

BuyMay 12Jared Isaacman10% owner193.0K sh$7.8MBuyMay 11Jared Isaacman10% owner195.5K sh$8.1M
+ 9 other (7 awards · 2 inkinds) in window

See when $FOUR insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KMaterial agreementJul 138-K — Item 1.01: Material agreement · Item 2.03: Material debt obligation
AI summary

Shift4 Payments (FOUR) — 8-K (Items 1.01, 2.03) reporting entry into a material definitive agreement and assumption of a new financial obligation on July 8, 2026. Body excerpt does not specify the counterparty or dollar amount of the obligation. Material — new material contract plus a financing obligation; refer to the full 8-K for contract terms and size of the debt.

8-KShareholder voteJun 178-K — Item 5.07: Shareholder vote
AI summary

Shift4 Payments, Inc. (NYSE: FOUR) reported results of its June 12, 2026 annual shareholder meeting (Item 5.07). The company has Class A common stock and 6.00% Series A Mandatory Convertible Preferred Stock outstanding; vote items likely included director elections, equity plan matters, and possibly preferred share-related proposals. Specific vote tallies are in the exhibit not included in the excerpt. Any equity plan amendments passed at the meeting could have dilutive implications and warrant review of the full exhibit.

+ 15 other (7 13Gs · 2 10-Qs · 2 earnings 8-Ks · 2 proxys) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Shift4 Announces Fifth Dividend Date for Mandatory Convertible Preferred Stockbusinesswire.com·15d agoShift4 Payments, Inc. $FOUR Stock Sold by NewEdge Advisors LLCdefenseworld.net·22d agoShift4 Payments, Inc. (FOUR) Presents at Goldman Sachs Communacopia + Technology Conference 2026 Transcriptseekingalpha.com·37d agoShift4 and Bar Rescue's Jon Taffer Name Talisa's on Main Winner of 2026 Rescue Missionbusinesswire.com·52d agoHere Are Tuesday’s Top Wall Street Analyst Research Calls: Advanced Micro Devices, Dynatrace, Five Below, Fortune Brands, Klarna Group, Jersey Mike’s Subs, Moderna, Sherwin-Williams, and More247wallst.com·53d ago

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TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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