📊 AI Stock Rating — Summary

In the most recent quarter, FOUR reported a revenue of approximately $1.18 billion with a net income of $28.1 million, resulting in an EPS of $0.19. Despite the positive net margin of approximately 2.4%, the company's growth appears steady but modest. The free cash flow was strong at $272.5 million, suggesting healthy liquidity despite a substantial capital expenditure of $100.7 million. With assets totaling $8.99 billion against liabilities of $6.76 billion, equity stands at $2.23 billion, indicating a leveraged yet stable balance sheet. The net debt is $3.28 billion, high compared to equity, reflecting significant leverage. No share buybacks were recorded, but a minor dividend payment was noted. Analyst price targets suggest potential upside, with a consensus target of $90.89, indicating possible market confidence at the time of analysis.

AI Score Breakdown

Revenue Growth — Score: 5/10

Revenue of $1.18 billion indicates stable growth but lacks significant acceleration. Current growth is primarily steady, driven by operational consistency rather than expansion or diversification.

Profitability — Score: 6/10

Net margin is 2.4%, with EPS at $0.19. While not exceptional, profitability shows some operational efficiency. Continued focus on margin improvements could enhance profitability.

Cash Flow Quality — Score: 7/10

Free cash flow is strong at $272.5 million. This reflects good liquidity management, even with the absence of share repurchases and nominal dividend distribution.

Leverage & Balance Sheet — Score: 4/10

The balance sheet shows a high net debt of $3.28 billion, which is significant compared to equity, implying high financial leverage. This could pose risk without stronger cash flow coverage.

Shareholder Returns — Score: 5/10

Minimal dividends and no buybacks limit direct shareholder returns. Without 1-year price change data, it is assumed market performance has been moderate to flat, reflecting in the score.

Analyst Sentiment & Valuation — Score: 7/10

Analyst targets up to $112 suggest optimism. Consensus around $90.89 implies the stock might have upside potential at the time of analysis, which could render it favorable relative to contemporaneous evaluations.

⚠ AI-generated — informational only, not financial advice.