FOUR vs PAY: stock comparison and AI forecast
Shift4 Payments, Inc. (FOUR) and Paymentus Holdings, Inc. (PAY) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
FOUR Shift4 Payments, Inc.
- Price
- $42.79 -8.7% · 6M
- Market Cap
- $3.38B
- P/E Ratio
- 29.3x
- Size
- mid-cap
- AI Forecast
PAY Paymentus Holdings, Inc.
- Price
- $33.47 +20.2% · 6M
- Market Cap
- $4.22B
- P/E Ratio
- 56.7x
- Size
- mid-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Six-month price performance
Closing prices rebased to 100 at the start of the window.
Key facts
- PAY is 1.2 times larger than FOUR by market capitalization ($4.22B against $3.38B).
- FOUR trades at 29.3 times trailing earnings, PAY at 56.7 times.
- Over the last six months PAY returned +20.2% and FOUR -8.7%.
- PAY turns 6.7% of its revenue into net income, against -2.4% for FOUR.
- FOUR carries 6.43 times debt per unit of equity, against 0.19 times for PAY.
- Both companies share the SEC industry classification Services-Business Services, NEC.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | FOUR | PAY |
|---|---|---|
| Market Cap | $3.38B | $4.22B |
| P/E Ratio | 29.33x | 56.73x |
| P/B Ratio | 11.32x | 6.55x |
| EPS | – | $0.59 |
| Book Value/Share | $3.78 | $5.11 |
| Revenue/Share | $62.36 | $11.29 |
| FCF/Share | $7.90 | $1.33 |
Profitability & Margins
| Metric | FOUR | PAY |
|---|---|---|
| ROE | -12.3% | 14.7% |
| ROA | – | 12.4% |
| ROIC | – | 17.9% |
| Gross Margin | 35.5% | 25.2% |
| Operating Margin | 26.7% | 8.2% |
| Net Margin | -2.4% | 6.7% |
| EBT Margin | 10.5% | 9.0% |
| Tax Rate | 18.6% | 26.1% |
Financial Health
| Metric | FOUR | PAY |
|---|---|---|
| Current Ratio | 1.23x | 4.82x |
| D/E Ratio | 6.43x | 0.19x |
| Financial Leverage | – | 1.19x |
| Interest Coverage | 43.3x | – |
| Working Capital | $521M | $423M |
Cash Flow
| Metric | FOUR | PAY |
|---|---|---|
| Operating Cash Flow | $642M | $168M |
| Free Cash Flow | $624M | $168M |
| Capital Spending | -$18M | -$450K |
| OCF Growth YoY | 15.5% | 16.0% |
| FCF Growth YoY | 14.3% | 15.9% |
| FCF/Sales | 12.7% | 11.8% |
| CapEx/Sales | 0.4% | 0.0% |
Operational Efficiency
| Metric | FOUR | PAY |
|---|---|---|
| Asset Turnover | – | 1.86x |
| Receivables Turnover | 6.7x | – |
| Fixed Assets Turnover | 16.0x | 616.6x |
| Days Sales Outstanding | 55 days | – |
| Payables Period | 74 days | 26 days |
Income Statement
| Metric | FOUR | PAY |
|---|---|---|
| Total Revenue | $4.92B | $1.42B |
| Operating Income | $403M | $117M |
| Net Income | -$37M | $95M |
| R&D Expense | – | $63M |
| SG&A Expense | – | $230M |
| Cost of Goods Sold | $3.18B | $1.06B |
Dividend & Shareholder Information
| Metric | FOUR | PAY |
|---|---|---|
| Shares Outstanding | 79M | 126M |
| Net Income Growth | – | 59.2% |
| EPS Growth | – | 55.3% |
FOUR vs PAY: stock comparison and AI forecast
Which is bigger, FOUR or PAY?
PAY is 1.2 times larger than FOUR by market capitalization ($4.22B against $3.38B).
Which is cheaper on earnings, FOUR or PAY?
FOUR trades at 29.3 times trailing earnings, PAY at 56.7 times.
Which stock performed better over the last six months, FOUR or PAY?
Over the last six months PAY returned +20.2% and FOUR -8.7%.
Which one does Intratio's AI model rank higher, FOUR or PAY?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.