Earnings summaries and quarterly performance for Shift4 Payments.
Executive leadership at Shift4 Payments.
Board of directors at Shift4 Payments.
Research analysts who have asked questions during Shift4 Payments earnings calls.
DP
Darrin Peller
Wolfe Research, LLC
4 questions for FOUR
Also covers: ACN, ADYYF, AVDX +24 more
Rayna Kumar
Oppenheimer & Co. Inc.
4 questions for FOUR
Also covers: EEFT, EFX, FIS +9 more
TC
Timothy Chiodo
UBS Group AG
4 questions for FOUR
Also covers: AFRM, AVDX, CHYM +16 more
AS
Andrew Schmidt
Citigroup Inc.
3 questions for FOUR
Also covers: ALKT, BILL, CWAN +15 more
Daniel Perlin
RBC Capital Markets
3 questions for FOUR
Also covers: AFRM, BR, FLYW +9 more
SS
Sanjay Sakhrani
Keefe, Bruyette & Woods (KBW)
3 questions for FOUR
Also covers: ALLY, AVDX, AXP +17 more
DB
Dominic Ball
Redburn Atlantic
2 questions for FOUR
Also covers: LSPD, SHOP, TOST
Adam Frisch
Evercore ISI
1 question for FOUR
Also covers: AFRM, CHYM, GPN +2 more
Andrew Bauch
Wells Fargo & Company
1 question for FOUR
Also covers: AFRM, AVDX, FLYW +9 more
Andrew Harte
BTIG, LLC
1 question for FOUR
Also covers: BILL, EXOD, IMXI +3 more
AJ
Andrew Jeffrey
William Blair & Company
1 question for FOUR
Also covers: AFRM, CHYM, CPAY +6 more
DD
Dan Dolev
Mizuho Financial Group
1 question for FOUR
Also covers: ACN, ADP, AFRM +14 more
JF
James Friedman
Susquehanna Financial Group, LLLP
1 question for FOUR
Also covers: AFRM, AVDX, BETR +18 more
JK
Jason Kupferberg
Bank of America
1 question for FOUR
Also covers: ACN, ADP, AFRM +14 more
JC
Jeff Cantwell
Seaport Research Partners
1 question for FOUR
Also covers: ACIW, AFRM, CRCL +5 more
John Davis
Raymond James Financial
1 question for FOUR
Also covers: CPAY, EVRI, EVTC +7 more
Matthew O'Neill
Financial Technology Partners
1 question for FOUR
Also covers: AFRM, EFX, ETOR +7 more
Will Nance
Goldman Sachs
1 question for FOUR
Also covers: AFRM, AMTD, CHYM +14 more
Recent press releases and 8-K filings for FOUR.
Shift4 Payments Launches Global Stablecoin Settlement Platform
FOUR
Product Launch
New Projects/Investments
Earnings
- Shift4 Payments has launched a stablecoin settlement platform that enables hundreds of thousands of merchants to receive payouts in USDC, USDT, EURC, or DAI and settle across various networks, offering 24/7 settlements and improving cross-border payments.
- Following the platform announcement, Shift4's shares saw a modest uptick of approximately 3.1% in Monday trading.
- The company exhibits mixed financial signals, including a three-year revenue growth of ~13.5% but a 21.5% decline in earnings last year.
- Financial concerns highlighted include a high debt-to-equity ratio of ~2.87 and an Altman Z-Score of ~1.03, placing it in the 'distress' zone, despite an operating margin of ~7.78% and net margin of ~5.02%.
7 days ago
Shift4 Launches Global Stablecoin Settlement Platform
FOUR
Product Launch
New Projects/Investments
- Shift4 (NYSE: FOUR) has launched a global stablecoin settlement platform, enabling merchants to receive money more quickly and move funds 24/7 via stablecoin settlement.
- This platform allows merchants to opt into being settled in popular stablecoins such as USDC, USDT, EURC, and DAI.
- Merchants will have the flexibility to choose from popular networks including Ethereum, Solana, Plasma, Stellar, Polygon, TON, and Base.
- Pietro Moran, Shift4’s Director of Crypto, stated that this offering supports businesses globally as stablecoins play a growing role in the modern payments ecosystem, providing added flexibility and speed in the 24/7 global economy.
7 days ago
Shift4 CFO Discusses Q4 Trends, Acquisition Strategy, and Financial Targets at UBS Conference
FOUR
Guidance Update
Share Buyback
M&A
- Shift4 observed volatility in domestic restaurant and lodging categories, with year-over-year trends ranging from +1% to -4%, leading to a cautious tone regarding Q4 guidance metrics.
- The company's acquisition strategy focuses on expanding its cross-sell funnel, enhancing capabilities (e.g., Bambora for EFT ACH, Global Blue for dynamic currency conversion), and market expansion (e.g., Smartpay in Australia/New Zealand).
- Shift4's Board authorized a $1 billion share repurchase program through the end of 2026, viewing the current valuation as an attractive opportunity for capital allocation.
- Shift4 reiterated its target of achieving $1 billion in adjusted free cash flow as an exit rate for 2027.
- The company expressed confidence in its medium-term outlook, noting a year-over-year organic growth of 18% in Q3, which tracks favorably against its "sit on our hands" case.
Dec 3, 2025, 7:15 PM
Shift4 Discusses Q4 Guidance, Acquisition Strategy, and Financial Targets at UBS Conference
FOUR
Guidance Update
M&A
Share Buyback
- Shift4's CFO, Chris Cruz, indicated increased volatility in domestic restaurant and lodging categories, with recent year-over-year trends ranging from +1% to -4%, impacting Q4 GMV guidance.
- The company continues to leverage acquisitions (e.g., Global Blue, Bambora, Smartpay) to expand its cross-sell funnel, enhance capabilities, and enter new geographic markets, which is a core part of its unit economic model.
- Shift4's board authorized a $1 billion share repurchase program through the end of 2026, viewing the current share valuation as an attractive capital allocation opportunity.
- Shift4 reiterated its target of achieving $1 billion in adjusted free cash flow as an exit rate for 2027 and reported 18% year-over-year organic growth in Q3, tracking favorably against its medium-term outlook.
Dec 3, 2025, 7:15 PM
Shift4 Discusses Q4 Guidance, Acquisition Strategy, and Financial Targets
FOUR
Guidance Update
M&A
Share Buyback
- Shift4 observed volatility in domestic restaurant and lodging categories in Q3, with year-over-year trends ranging from +1% to -4%, leading to a more cautious tone for Q4 guidance.
- The company's acquisition strategy, referred to as the "Shift4 way," focuses on expanding its cross-sell funnel, enhancing capabilities (e.g., EFT/ACH via Bambora, dynamic currency conversion via Global Blue), and market expansion (e.g., Australia/New Zealand with Smartpay).
- Shift4 reiterated its target of achieving a $1 billion adjusted free cash flow exit rate by the end of 2027 and authorized a $1 billion share repurchase program through the end of 2026, viewing the current share valuation as attractive.
- The company is tracking favorably against its medium-term outlook, noting an 18% year-over-year organic growth in Q3, and sees significant growth potential in ticketing integrations within its stadiums and entertainment vertical.
Dec 3, 2025, 7:15 PM
Shift4 CFO Chris Cruz Discusses Strategy, Guidance, and Capital Allocation
FOUR
CFO Change
Guidance Update
Share Buyback
- Shift4's new CFO, Chris Cruz, affirmed the company's medium-term guidance, including a target of $1 billion adjusted free cash flow exit rate by 2027.
- The board authorized a $1 billion share repurchase program, double the prior $500 million program, which is a key capital allocation priority given current share valuation.
- Integration of the Global Blue acquisition is ahead of schedule, with value creation expected in 2026, and the luxury retail tax-free shopping business grew 19% year-over-year.
- The company is expanding its global presence to six continents and diversifying into new verticals, though it notes a bifurcated consumer trend impacting domestic restaurant and lodging same-store sales.
Nov 12, 2025, 3:55 PM
Shift4 Payments Reports Strong Q3 2025 Results and Authorizes Stock Buyback
FOUR
Earnings
Share Buyback
Revenue Acceleration/Inflection
- Shift4 Payments reported strong third-quarter 2025 financial results, with revenue reaching $1.18 billion, a 29.8% year-over-year increase, and adjusted EBITDA of $292 million.
- The company secured significant contracts with major clients such as Hyatt Vacation Club and Hertz, contributing to a 26% year-over-year increase in total transaction volume to $54.7 billion.
- Despite robust growth, Shift4 acknowledged challenges including market volatility, a modest net margin of 6.11%, and financial risks indicated by a high debt-to-equity ratio.
- In a show of confidence, Shift4's Board authorized a $1 billion stock buyback program, the largest in its history, even as the stock has underperformed the broader market, losing about 35.3% year-to-date.
Nov 7, 2025, 12:39 AM
Shift4 Announces Strong Q3 2025 Results and New $1 Billion Share Repurchase Program
FOUR
Earnings
Guidance Update
Share Buyback
- Shift4 (FOUR) reported strong Q3 2025 financial results, with gross revenue less network fees increasing 61% year-over-year to $589 million and adjusted EBITDA growing 56% to $292 million. Organic growth for gross revenue less network fees was 18% year-over-year.
- The company reaffirmed its full-year 2025 guidance within a narrowed range, projecting gross revenue less network fees between $1.98 billion and $2.02 billion and adjusted EBITDA between $970 million and $985 million.
- A new $1 billion stock repurchase program was authorized through year-end 2026, the largest in the company's history, reflecting confidence in the company's valuation and expanding cash flows.
- The Global Blue acquisition, closed in early July, contributed $156 million to gross revenue less network fees and $68 million to EBITDA in Q3 2025. The company also completed the acquisition of SmartPay and agreed to acquire Bambora (Worldline North America), expected to close in Q1 2026.
- Despite strong performance, Shift4 noted same-store sales volatility in Q3, particularly in restaurants and hospitality, and acknowledged a complex macro backdrop.
Nov 6, 2025, 1:30 PM
Shift4 Payments, Inc. Announces Q3 2025 Financial Results and Updates Full-Year Guidance
FOUR
Earnings
Guidance Update
M&A
- Shift4 Payments, Inc. reported strong Q3 2025 financial results, with gross profit increasing 62% year-over-year to $409.6 million and gross revenue less network fees growing 61% year-over-year to $589.2 million.
- The company achieved $54.7 billion in payment volume, a 26% increase from Q3 2024, and recorded Adjusted EBITDA of $292.1 million, up 56% year-over-year. Non-GAAP net income per share was $1.47.
- Shift4 Payments, Inc. updated its full-year 2025 guidance, narrowing the ranges for key metrics including Volume ($207 billion to $210 billion), Gross Revenue Less Network Fees ($1.980 billion to $2.020 billion), and Adjusted EBITDA ($970 million to $985 million).
- The company announced a new $1 billion share repurchase plan authorization and closed on the SmartPay acquisition on November 4, 2025, while also announcing the Bambora acquisition expected to close in early 2026.
Nov 6, 2025, 12:04 PM
Shift4 Announces Initial Preferred Stock Dividend
FOUR
Dividends
Convertible Preferred Issuance
- Shift4 Payments announced an initial dividend of $1.50 per share for its 10,000,000 shares of 6% Series A Mandatory Convertible Preferred Stock.
- The dividend will be paid on November 3, 2025, to holders of record as of October 15, 2025.
- The declaration and payment of future quarterly dividends will be at the sole discretion of the Board of Directors.
Oct 3, 2025, 9:07 PM
Quarterly earnings call transcripts for Shift4 Payments.
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