Inferra AI / Company / FOUR

Shift4 Payments, Inc.

FOUR · Industrials

Last earnings Aug 6, 2026

Key results

Revenuequarter

61%

Compared to the third quarter of last year, we grew gross profit 62%, gross revenues less network fees 61% and at strong adjusted EBITDA margins of 50%.

SEC original ↗Shift4 Payments, Inc. — Earnings release (8-K exhibit)EX-99Nov 6, 2025

Non-GAAP net incomequarter

$1.47

Non-GAAP net income per share for the quarter was $1.47.

SEC original ↗Shift4 Payments, Inc. — Earnings release (8-K exhibit)EX-99Nov 6, 2025

When excluding the impact of Global Blue, gross revenue less network fees grew 19%.

SEC original ↗Shift4 Payments, Inc. — Earnings release (8-K exhibit)EX-99Nov 6, 2025

Gross revenuequarter

26%

4 Q3 Volume Gross Profit & Gross Revenue Less Network Fees(A) ($BILLION) Performance Highlights Third Quarter 2025 +26% YoY Q3 VOLUME 42% CAGR Net Income & Adjusted EBITDA(A) Net Cash Provided by Operating Activities & Adjusted Free Cash Flow(A)($MILLION) ($MILLION) ($MILLION) +62% YoY GROSS PROFIT $0.17 GAAP DILUTED EPS $1.47 NON-GAAP EPS(A) $292.1M +56% YoY ADJUSTED EBITDA(A) Volume of $54.7 billion during Q3 2025, up 26% from Q3 2024.

SEC original ↗Shift4 Payments, Inc. — Earnings release (8-K exhibit)EX-99Nov 6, 2025

Adjusted free cash flowquarter

62%

4 Q3 Volume Gross Profit & Gross Revenue Less Network Fees(A) ($BILLION) Performance Highlights Third Quarter 2025 +26% YoY Q3 VOLUME 42% CAGR Net Income & Adjusted EBITDA(A) Net Cash Provided by Operating Activities & Adjusted Free Cash Flow(A)($MILLION) ($MILLION) ($MILLION) +62% YoY GROSS PROFIT $0.17 GAAP DILUTED EPS $1.47 NON-GAAP EPS(A) $292.1M +56% YoY ADJUSTED EBITDA(A) Volume of $54.7 billion during Q3 2025, up 26% from Q3 2024.

SEC original ↗Shift4 Payments, Inc. — Earnings release (8-K exhibit)EX-99Nov 6, 2025

GAAP EPSquarter

$1.47

4 Q3 Volume Gross Profit & Gross Revenue Less Network Fees(A) ($BILLION) Performance Highlights Third Quarter 2025 +26% YoY Q3 VOLUME 42% CAGR Net Income & Adjusted EBITDA(A) Net Cash Provided by Operating Activities & Adjusted Free Cash Flow(A)($MILLION) ($MILLION) ($MILLION) +62% YoY GROSS PROFIT $0.17 GAAP DILUTED EPS $1.47 NON-GAAP EPS(A) $292.1M +56% YoY ADJUSTED EBITDA(A) Volume of $54.7 billion during Q3 2025, up 26% from Q3 2024.

SEC original ↗Shift4 Payments, Inc. — Earnings release (8-K exhibit)EX-99Nov 6, 2025

EPSquarter

$292.1M

4 Q3 Volume Gross Profit & Gross Revenue Less Network Fees(A) ($BILLION) Performance Highlights Third Quarter 2025 +26% YoY Q3 VOLUME 42% CAGR Net Income & Adjusted EBITDA(A) Net Cash Provided by Operating Activities & Adjusted Free Cash Flow(A)($MILLION) ($MILLION) ($MILLION) +62% YoY GROSS PROFIT $0.17 GAAP DILUTED EPS $1.47 NON-GAAP EPS(A) $292.1M +56% YoY ADJUSTED EBITDA(A) Volume of $54.7 billion during Q3 2025, up 26% from Q3 2024.

SEC original ↗Shift4 Payments, Inc. — Earnings release (8-K exhibit)EX-99Nov 6, 2025

Growthquarter

up 29%

Gross revenue of $1,176.9 million, up 29% from Q3 2024.

SEC original ↗Shift4 Payments, Inc. — Earnings release (8-K exhibit)EX-99Nov 6, 2025

Gross revenue less network fees(A) of $589.2 million, up 61% from Q3 2024.

SEC original ↗Shift4 Payments, Inc. — Earnings release (8-K exhibit)EX-99Nov 6, 2025

Net incomequarter

$33.4 million

Net income for Q3 2025 was $33.4 million.

SEC original ↗Shift4 Payments, Inc. — Earnings release (8-K exhibit)EX-99Nov 6, 2025

Net income per class A and C share was $0.19 and $0.17 on a basic and diluted basis, respectively.

SEC original ↗Shift4 Payments, Inc. — Earnings release (8-K exhibit)EX-99Nov 6, 2025

AI analysis

Q4 2024 · reported Nov 6, 2025

Based on: Earnings release + parent 8-K + 10-Q — transcript not held

GAAP EPS · Q4 2024
$1.47
EX-99 · Nov 6, 2025
Net income · Q4 2024
$33.4M
EX-99 · Nov 6, 2025
Non-GAAP net income · Q4 2024
$1.47
EX-99 · Nov 6, 2025
EPS · Q4 2024
$292.1M
EX-99 · Nov 6, 2025

Headline figures

MetricQ4 2024Prior qtrYear ago
Revenue61%——
Non-GAAP net income$1.47——
Gross revenue26%——
Adjusted free cash flow62%——
GAAP EPS$1.47——
EPS$292.1M——
Growthup 29%——
Net income$33.4 million——

EX-99 · Nov 6, 2025

Guidance · company-stated

No guidance located in the held release

Next earningsNo verified date on fileNo date is estimated or imported

Cash flow & capex

Adjusted free cash flow62%

Capital allocation

Non-GAAP net income represents net income adjusted for certain non-cash and other nonrecurring items that management believes are not indicative of ongoing operations, such as amortization of acquired intangible assets, acquisition, restructuring and integration costs, revaluation of contingent liabilities, loss on extinguishment of debt, impairment of intangible assets, gain (loss) on investments in securities, change in TRA liability, equity-based compensation expense, and foreign exchange and other nonrecurring items.

These adjustments include acquisition, restructuring and integration costs, revaluation of contingent liabilities, loss on extinguishment of debt, gain (loss) on investments in securities, changes in TRA liability, equity-based compensation expense, and foreign exchange and other nonrecurring items.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

Adjusted EBITDA is the primary financial performance measure used by management to evaluate its business and monitor results of operations

Based on: Earnings release + parent 8-K + 10-Q — transcript not held

Guidance & outlook

No guidance located in the held release

Capital allocation

Non-GAAP net income represents net income adjusted for certain non-cash and other nonrecurring items that management believes are not indicative of ongoing operations, such as amortization of acquired intangible assets, acquisition, restructuring and integration costs, revaluation of contingent liabilities, loss on extinguishment of debt, impairment of intangible assets, gain (loss) on investments in securities, change in TRA liability, equity-based compensation expense, and foreign exchange and other nonrecurring items.

SEC original ↗Shift4 Payments, Inc. — Earnings release (8-K exhibit)EX-99Nov 6, 2025

These adjustments include acquisition, restructuring and integration costs, revaluation of contingent liabilities, loss on extinguishment of debt, gain (loss) on investments in securities, changes in TRA liability, equity-based compensation expense, and foreign exchange and other nonrecurring items.

SEC original ↗Shift4 Payments, Inc. — Earnings release (8-K exhibit)EX-99Nov 6, 2025

Free cash flow represents net cash provided by operating activities adjusted for certain non- discretionary capital expenditures.

SEC original ↗Shift4 Payments, Inc. — Earnings release (8-K exhibit)EX-99Nov 6, 2025

Adjusted Free Cash Flow represents free cash flow further adjusted for certain transactions that are not indicative of future operating cash flows, including acquisition, restructuring and integration costs, other nonrecurring expenses, and nonrecurring strategic capital expenditures that are not indicative of ongoing activities.

SEC original ↗Shift4 Payments, Inc. — Earnings release (8-K exhibit)EX-99Nov 6, 2025

We believe Adjusted Free Cash Flow is useful to measure the funds generated in a given period that are available to invest in the business, to repurchase stock and to make strategic decisions.

SEC original ↗Shift4 Payments, Inc. — Earnings release (8-K exhibit)EX-99Nov 6, 2025

To this end, our board has authorized a new $1 billion stock repurchase program, which is the largest in our history.

SEC original ↗Shift4 Payments, Inc. — Earnings release (8-K exhibit)EX-99Nov 6, 2025

Strategy & priorities

Gross revenue less network fees represents a key performance metric that management uses to measure changes in the mix and value derived from our customer base as we continue to execute our strategy to expand our reach to serve larger, complex merchants.

SEC original ↗Shift4 Payments, Inc. — Earnings release (8-K exhibit)EX-99Nov 6, 2025

Adjusted Free Cash Flow represents free cash flow further adjusted for certain transactions that are not indicative of future operating cash flows, including acquisition, restructuring and integration costs, other nonrecurring expenses, and nonrecurring strategic capital expenditures that are not indicative of ongoing activities.

SEC original ↗Shift4 Payments, Inc. — Earnings release (8-K exhibit)EX-99Nov 6, 2025

We believe Adjusted Free Cash Flow is useful to measure the funds generated in a given period that are available to invest in the business, to repurchase stock and to make strategic decisions.

SEC original ↗Shift4 Payments, Inc. — Earnings release (8-K exhibit)EX-99Nov 6, 2025

Included in volume are dollars routed via our international payments platform, alternative payment methods, including cryptocurrency, stored value, gift cards and stock donations, plus volume we route to third party merchant acquirers on behalf of strategic enterprise merchant relationships.

SEC original ↗Shift4 Payments, Inc. — Earnings release (8-K exhibit)EX-99Nov 6, 2025

A capital allocation philosophy that prioritizes the maximum return on investment 3.

SEC original ↗Shift4 Payments, Inc. — Earnings release (8-K exhibit)EX-99Nov 6, 2025

Risks & headwinds

As we ve said in the past, while not immune to consumer spending levels, our massive cross-sell funnel affords us more resiliency during periods of economic uncertainty.

SEC original ↗Shift4 Payments, Inc. — Earnings release (8-K exhibit)EX-99Nov 6, 2025

OTHER INFORMATION Item 1 Legal Proceedings 40 Item 1A Risk Factors 40 Item 2 Unregistered Sales of Equity Securities and Use of Proceeds 40 Item 3 Defaults Upon Senior Securities 40 Item 4 Mine Safety Disclosures 40 Item 5 Other Information 40 Item 6 Exhibits 41 Signatures 42 2 Table of Contents CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS This Quarterly Report on Form 10-Q ( Quarterly Report ) contains forward-looking statements.

SEC original ↗Shift4 Payments, Inc. — 10-Q Quarterly report10-QAug 6, 2026

These statements involve known and unknown risks, uncertainties and other important factors that may cause our actual results, performance or achievements to be materially different from any future results, performance or achievements expressed or implied by the forward-looking statements.

SEC original ↗Shift4 Payments, Inc. — 10-Q Quarterly report10-QAug 6, 2026

New risk factors and uncertainties may emerge from time to time, and it is not possible for management to predict all risk factors and uncertainties.

SEC original ↗Shift4 Payments, Inc. — 10-Q Quarterly report10-QAug 6, 2026

Competitors

Competitors & peers

Same GICS sector — classification peers, not declared competitors

Documents

Filings

30 documents

Earnings releases

5 documents

Presentations

0 documents

No presentations for Shift4 Payments, Inc. are held in this edition of the library.

Transcripts

0 documents

No transcripts for Shift4 Payments, Inc. are held in this edition of the library.

Mentioned by

7 companies

Other tracked companies whose held documents mention Shift4 Payments, Inc. by name or ticker. A mention is counted once per document, from the document text the library holds.

See also the earnings calendar for every tracked company’s next earnings date.