Stock Ratings / Consumer Discretionary / FOUR

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Shift4 Payments Inc. (Class A) (FOUR) — RQD Stock Rating Cockpit

$39.25 +2.96% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)

Shift4 Payments Inc. (Class A) (FOUR) carries a Roarable Rating of D+ (Sell) with 56/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $3.10B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERSELL / AVOID • D+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk D-

Each axis scored 0–20

12M PRICE TARGET CONE-0.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FOUR)Realized 20D OHLCV Swing Band: ±9.8%

RSI-14 MOMENTUMNEUTRAL RANGE

52.830 Oversold · 70 Hot

ALTMAN-Z SHIELDDISTRESS RISK (<1.8)

0.93>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

6 / 99-Pt Accounting

52-WEEK LASER RANGE11% OF RANGE

L: $35$39.25H: $76

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: C-RQD 12 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C+RQD 27 / 40

3. Hidden Risks & Market Weather● WARNING

SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: D-RQD 17 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on FOUR

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (60)

5.5% ROIC with 42.0% gross margin and 20.13% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

BEARISH (25)

Altman-Z 0.93 and Piotroski 6/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (65)

27/40 institutional & smart-money positioning score with 12/20 macro alignment.

Bull Case: Why Buyers Like FOUR

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring FOUR)

✓Walkthrough of FOUR's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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FOUR // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -11.36%📐 HORIZONTAL RANGE

2026-10-30O $39.43H $41.10L $38.51C $39.25VOL 2.67M

RES: $65.35SUP: $32.98SMA50: $40.68SMA200: $46.30

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FOUR Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FOUR Butterfly Map → + Track FOUR →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

14.8%/yr Implied 5Y Growth

vs. +25.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on FOUR today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FOUR. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for FOUR today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FOUR)

Consumer Discretionary Rank #506 of 1011 ⚔️ CBZ vs FOUR Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (FOUR vs. CBZ, TNET, MMS, PAYO)

Industry: Business Services (90 Tracked Issuers)

Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, Shift4 Payments Inc. (Class A) (FOUR) ranks #506 by composite RQD confidence (56/100, grade D+) and #356 by equity capitalization ($3.10B). Within this direct 5-issuer industry benchmark cohort, MMS leads on earnings valuation at 10.3x trailing P/E, while TNET leads on capital efficiency and profitability with 85.0% ROIC and — gross margin. MMS currently holds the highest overall quantitative score in the immediate peer group at 76/100 (B+) compared with FOUR at 56/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
FOUR ACTIVE Shift4 Payments Inc. (Class A)	D+	56/100	21.1x	—	5.5%	+2.96%	$3.10B	Benchmark Subject
CBZ CBIZ Inc.	B-	71/100	25.8x	12.9%	5.9%	+0.06%	$2.98B	/cbz-vs-four →
TNET TriNet Group Inc.	D+	57/100	18.9x	—	85.0%	-9.53%	$2.92B	/tnet-vs-four →
MMS Maximus Inc.	B+	76/100	10.3x	24.6%	13.5%	+1.67%	$3.29B	/mms-vs-four →
PAYO Payoneer Global Inc.	C+	66/100	33.0x	—	34.1%	0.00%	$2.41B	/payo-vs-four →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001794669

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Shift4 Payments Inc. (Class A) (FOUR) reported GAAP revenue of $4.18B (+25.5% vs. FY2024 revenue of $3.33B , and +63.0% cumulative change since FY2023) , GAAP net income of $147.0M, operating cash flow of $634.0M, and free cash flow of $624.0M (+26.6% YoY). On the balance sheet, FOUR closed FY2025 with $8.71B in total assets against $4.54B in total debt (Altman Z-Score: 0.93, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$4.18B	$147.0M	$634.0M	$624.0M	$8.71B	$4.54B
FY2024 (FY)	2024-12-31	$3.33B	$294.5M	$500.0M	$493.0M	$5.04B	$2.15B
FY2023 (FY)	2023-12-31	$2.56B	$122.9M	$346.0M	$346.0M	—	—

3. FOUR Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FOUR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Shift4 Payments Inc. (Class A) (NYSE: FOUR) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 56/100 at a spot price of $39.25 (+2.96% 1D, market cap $3.10B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 5/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 15/20. Across 1011 tracked Consumer Discretionary issuers, FOUR ranks #506 in composite RQD confidence.

How does FOUR compare to CBZ and TNET in the Consumer Discretionary sector?

Within the Consumer Discretionary sector (Business Services), FOUR carries a Roarable D+ (56/100 RQD), trailing P/E of 21.1x, gross margin of —, and ROIC of 5.5%. By comparison, CBZ (CBIZ Inc.) holds a B- grade (71/100 RQD, P/E 25.8x, ROIC 5.9%, cap $2.98B) and TNET (TriNet Group Inc.) posts a D+ grade (57/100 RQD, P/E 18.9x, ROIC 85.0%, cap $2.92B). Among the 5-stock peer group, MMS leads on earnings multiple (10.3x) while TNET leads on capital efficiency (85.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for FOUR?

Per FOUR's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001794669), Shift4 Payments Inc. (Class A) generated $4.18B in revenue (+25.5% YoY), $147.0M in net income, and $624.0M in free cash flow against $8.71B in total assets and $4.54B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is FOUR trading relative to its 50-day, 200-day, and 52-week technical levels?

FOUR last traded at $39.25 (+2.96% on volume of 1,554,325 shares), positioning the stock -3.52% below its 50-day simple moving average ($40.68) and -15.23% below its 200-day simple moving average ($46.30). Across its 52-week range of $34.56 to $76.09, FOUR sits at the 11.3% percentile with a 14-day RSI of 52.8 (NEUTRAL RANGE) and an implied next-earnings move of ±9.8% ($35.40 to $43.10).

FOUR Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell FOUR stock right now?

Shift4 Payments Inc. (Class A) (FOUR) currently earns a Roarable Rating of D+ (Sell — SELL) with 56/100 RQD Confidence. Stretched risk/reward at 21x P/E (6% return on capital) under elevated 10-year interest-rate pressure.

What is FOUR's 12-month price target and RQD AI Jury consensus?

FOUR's 12-month base price target is $38.9 (range $30.34 to $79.89), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: FOUR RQD Cockpit FOUR 12M Forecast FOUR Earnings & Move FOUR Dividends & DRIP FOUR Insiders & 13F FOUR Whale Options FOUR Profit Sankey FOUR News & Why