Shift4 Payments, Inc.
Shift4 Payments, Inc. is classed by the SEC under Services-Business Services, NEC (industry code 7389), based in Center Valley, PA. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $4.2 billion and a profit of $78 million (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a marketplace business: prior from its industry code (SEC 7389, Services-Business Services, NEC); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 5.2 out of ten, 8 of 9 metrics filed and 1 estimated: past 6.1 out of ten, present 5.3 out of ten, future 4.6 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 3.2 out of ten. 1 warning event since 2019; the latest 2022-10-21. 32nd percentile among 105 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 7.5 out of ten. +33.2% a year over 8 filed years; profitable in 4 of 8. 74th percentile among 99 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 6.2 out of ten. CrossAssetData estimate 6.2/10, confidence 35 of 100 (one part). 62nd percentile among 98 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
- Financial health (present): 4.1 out of ten. ROE 8%: 8¢ of profit per shareholder dollar. Leverage 78%: owes 78¢ per asset dollar. 41st percentile among 98 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 6.9 out of ten. top 31% of 101 in its family; net margin 3.5%. 69th percentile among 101 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 4.1 out of ten. bottom 41% of 67 in its family for leadership; chief executive since 2025. 41st percentile among 67 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
- Room to expand (future): 2.5 out of ten. bottom 25% of 99 in its family for room to expand. 25th percentile among 99 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 6.9 out of ten. top 31% of 99 in its family for growth drivers. 69th percentile among 99 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 3.1 out of ten. bottom 31% of 93 in its family for expectations against reality. 31st percentile among 93 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-02-27 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-06 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-08-06 (on EDGAR). Newest filing: Form SCHEDULE 13G/A, 2026-08-14. Filings on record since 2019. Read from EDGAR 2026-10-12.
Where the revenue comes from
Product and service lines in fiscal 2025: Payments Based Revenue 83%, Subscription and Other Revenues 11%, TFS Revenue 6%. By geography: United States 79%, International 21%. As tagged in its annual report (Form 10-K, filed 2026-02-27).
Who runs it
Lauber, David Taylor (Chief Executive Officer); Isaacman, Jared (Executive Chairman); Cruz, Christopher Nestor (Chief Financial Officer); Disman, Nancy (Chief Financial Officer); Frankel, Jordan (Chief Legal Officer); Whalen, James J. (Chief Accounting Officer & Principal Accounting Officer); Bakhshandehpour, Sam (director); Dallaire, Seth (director); Davis, Karen Roter (director); Goldsmith-Grover, Sarah (director); and 1 more. 11 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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