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Shift4 PaymentsMEX:FOUR -1.31%72 Cash-to-Debt is 0.24 as of Jun. 2026, which is 40% below its 10-year median of 0.40. GuruFocus rates MEX:FOUR with a GF Score™ of 72/100 and a GF Value™ of MXN1,896.20 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 2,844 Software companies, Shift4 Payments ranks worse than 93.71% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Shift4 Payments's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.24.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Shift4 Paymentscouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Shift4 Payments's Cash-to-Debt or its related term are showing as below:
MEX:FOUR'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.01 Med: 0.4 Max: 0.92
Current: 0.08
During the past 8 years, Shift4 Payments's highest Cash to Debt Ratio was 0.92. The lowest was 0.01. And the median was 0.40.
MEX:FOUR's Cash-to-Debt is ranked worse than 93.71% of 2844
companies
in the Software industry
Industry Median: 2.485
vs MEX:FOUR: 0.08
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Shift4 Payments Cash-to-Debt Related Terms
Shift4 Payments Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Shift4 Payments's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
MEX:FOUR vs WIX, APPN, CLBT: Cash-to-Debt Comparison
For the Software - Infrastructure subindustry, Shift4 Payments's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Shift4 Payments Cash-to-Debt vs Software Industry
For the Software industry and Technology sector, Shift4 Payments's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Shift4 Payments's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Shift4 Payments (MEX:FOUR) has a Cash-to-Debt of 0.24 as of Jun. 2026. This is 40% below median its historical median of 0.40. Over the past decade, Shift4 Payments' Cash-to-Debt has ranged from 0.01 to 0.92. According to the industry distribution chart, Shift4 Payments ranks #2665 out of 2844 companies in the Software industry, placing it in the top 93.7%.
Is Shift4 Payments' Cash-to-Debt too high?
Shift4 Payments' current Cash-to-Debt of 0.24 is 40% below median its 10-year median of 0.40. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.92. The Software industry median Cash-to-Debt is 2.49. Shift4 Payments' value of 0.24 is 90.3% below this industry median. Based on the distribution chart, Shift4 Payments ranks #2665 out of 2844 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Shift4 Payments has a GF Score™ of 72/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Shift4 Payments' Cash-to-Debt compare to WIX and APPN?
According to the Software industry distribution chart, Shift4 Payments ranks #2665 out of 2844 companies for Cash-to-Debt. This places Shift4 Payments in the lower half of its industry. The industry median Cash-to-Debt is 2.49. Shift4 Payments' value of 0.24 is 90.3% below this benchmark. Historically, Shift4 Payments' own Cash-to-Debt has ranged from 0.01 to 0.92 over the past decade. While the company's 10-year median is 0.40 vs. the industry median of 2.49, Shift4 Payments has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Software company?
The median Cash-to-Debt among Software companies is 2.49, based on 2,844 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Shift4 Payments's current Cash-to-Debt of 0.24 is 90.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Software industry, the median Cash-to-Debt is 2.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Shift4 Payments's current Cash-to-Debt is 0.24, which is 40% below median its own 10-year median of 0.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Shift4 Payments stock overvalued right now?
Based on GuruFocus' analysis, Shift4 Payments (MEX:FOUR) is currently considered Possible Value Trap. The stock's GF Value™ is MXN1,896.20, compared to a current price of MXN705.00 — trading 62.8% below its estimated fair value. The current Cash-to-Debt is 0.24, which is 40% below median its 10-year median of 0.40 and 90.3% below the Software industry median of 2.49. Shift4 Payments' overall GF Score™ is 72/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Shift4 Payments (MEX:FOUR), the current Cash-to-Debt is 0.24 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Shift4 Payments (MEX:FOUR) Overvalued in 2026?
Based on GuruFocus' analysis, Shift4 Payments stock appears to be undervalued.
The current stock price of MXN705.00 is trading 62.8% below its estimated GF Value™ of MXN1,896.20.
GuruFocus considers Shift4 Payments to be Possible Value Trap.
Key valuation signals for MEX:FOUR:
Cash-to-Debt: 0.24 (40% below median its 10-year median of 0.40)
GF Value™: MXN1,896.20 vs. price of MXN705.00 (62.8% below fair value)
Industry Position: 90.3% below the Software median (#2665 of 2844)
No single metric tells the full story. See the MEX:FOUR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Shift4 Payments Inc is an independent provider of software and payment processing solutions in the U.S., expanding internationally. Its payments platform offers integrated products and services across in-store, online, mobile and tablet-based channels, including end-to-end payment processing, merchant acquiring services, a proprietary omni-channel gateway, eCommerce capabilities, and reporting tools. The company distributes its services through internal sales teams and partners, including independent software vendors (ISVs) and value-added resellers (VARs). Revenue is predominantly recurring, derived mainly from processing fees and subscription revenue from POS software, business intelligence tools and other technology solutions. The company derives maximum revenue from the United States.
72GF Score
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