ADBE vs. FOUR: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at ADBE and FOUR, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | ADBE | FOUR |
|---|---|---|
| Company Name | Adobe Inc. | Shift4 Payments, Inc. |
| Country | United States | United States |
| GICS Sector | Information Technology | Financials |
| GICS Industry | Software | Financial Services |
| Market Capitalization | 149.93 billion USD | 8.00 billion USD |
| Exchange | NasdaqGS | NYSE |
| Listing Date | August 13, 1986 | June 5, 2020 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of ADBE and FOUR by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.
Historical Performance at a Glance
| Symbol | ADBE | FOUR |
|---|---|---|
| 5-Day Price Return | 1.39% | 1.56% |
| 13-Week Price Return | -15.99% | 0.57% |
| 26-Week Price Return | -23.04% | -24.20% |
| 52-Week Price Return | -37.24% | 10.81% |
| Month-to-Date Return | -1.19% | -12.14% |
| Year-to-Date Return | -20.52% | -12.80% |
| 10-Day Avg. Volume | 3.74M | 2.22M |
| 3-Month Avg. Volume | 3.60M | 1.82M |
| 3-Month Volatility | 26.08% | 42.64% |
| Beta | 1.51 | 1.74 |
Profitability
Return on Equity (TTM)
ADBE
51.65%
Software Industry
- Max
- 59.01%
- Q3
- 21.98%
- Median
- 7.15%
- Q1
- -11.12%
- Min
- -51.24%
In the upper quartile for the Software industry, ADBE’s Return on Equity of 51.65% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
FOUR
21.96%
Financial Services Industry
- Max
- 40.58%
- Q3
- 20.06%
- Median
- 10.67%
- Q1
- 4.19%
- Min
- -10.31%
In the upper quartile for the Financial Services industry, FOUR’s Return on Equity of 21.96% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
Net Profit Margin (TTM)
ADBE
30.39%
Software Industry
- Max
- 48.14%
- Q3
- 18.23%
- Median
- 5.60%
- Q1
- -9.22%
- Min
- -49.36%
A Net Profit Margin of 30.39% places ADBE in the upper quartile for the Software industry, signifying strong profitability and more effective cost management than most of its peers.
FOUR
6.11%
Financial Services Industry
- Max
- 52.86%
- Q3
- 25.58%
- Median
- 12.23%
- Q1
- 6.64%
- Min
- -9.92%
Falling into the lower quartile for the Financial Services industry, FOUR’s Net Profit Margin of 6.11% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.
Operating Profit Margin (TTM)
ADBE
36.37%
Software Industry
- Max
- 57.34%
- Q3
- 20.60%
- Median
- 7.84%
- Q1
- -8.72%
- Min
- -51.37%
An Operating Profit Margin of 36.37% places ADBE in the upper quartile for the Software industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.
FOUR
7.53%
Financial Services Industry
- Max
- 77.28%
- Q3
- 37.68%
- Median
- 18.17%
- Q1
- 9.27%
- Min
- -8.19%
FOUR’s Operating Profit Margin of 7.53% is in the lower quartile for the Financial Services industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.
Profitability at a Glance
| Symbol | ADBE | FOUR |
|---|---|---|
| Return on Equity (TTM) | 51.65% | 21.96% |
| Return on Assets (TTM) | 23.26% | 3.99% |
| Net Profit Margin (TTM) | 30.39% | 6.11% |
| Operating Profit Margin (TTM) | 36.37% | 7.53% |
| Gross Profit Margin (TTM) | 89.25% | 30.55% |
Financial Strength
Current Ratio (MRQ)
ADBE
0.99
Software Industry
- Max
- 3.83
- Q3
- 2.31
- Median
- 1.45
- Q1
- 1.03
- Min
- 0.24
ADBE’s Current Ratio of 0.99 falls into the lower quartile for the Software industry. This indicates a tighter liquidity situation and a more constrained capacity to handle short-term debt than many of its competitors.
FOUR
2.53
Financial Services Industry
- Max
- 4.58
- Q3
- 2.59
- Median
- 1.33
- Q1
- 0.69
- Min
- 0.01
For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
Debt-to-Equity Ratio (MRQ)
ADBE
0.54
Software Industry
- Max
- 2.14
- Q3
- 0.90
- Median
- 0.29
- Q1
- 0.00
- Min
- 0.00
ADBE’s Debt-to-Equity Ratio of 0.54 is typical for the Software industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.
FOUR
2.34
Financial Services Industry
- Max
- 4.96
- Q3
- 2.10
- Median
- 0.57
- Q1
- 0.12
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.
Interest Coverage Ratio (TTM)
ADBE
67.02
Software Industry
- Max
- 67.02
- Q3
- 19.86
- Median
- 0.70
- Q1
- -12.50
- Min
- -53.00
ADBE’s Interest Coverage Ratio of 67.02 is in the upper quartile for the Software industry, signifying a strong and healthy capacity to meet its interest payments from operating profits.
FOUR
14.17
Financial Services Industry
- Max
- 136.23
- Q3
- 56.08
- Median
- 6.55
- Q1
- 2.01
- Min
- -33.27
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.
Financial Strength at a Glance
| Symbol | ADBE | FOUR |
|---|---|---|
| Current Ratio (MRQ) | 0.99 | 2.53 |
| Quick Ratio (MRQ) | 0.85 | 2.49 |
| Debt-to-Equity Ratio (MRQ) | 0.54 | 2.34 |
| Interest Coverage Ratio (TTM) | 67.02 | 14.17 |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
ADBE
0.00%
Software Industry
- Max
- 0.08%
- Q3
- 0.03%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
ADBE currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.
FOUR
0.00%
Financial Services Industry
- Max
- 8.18%
- Q3
- 3.60%
- Median
- 1.56%
- Q1
- 0.00%
- Min
- 0.00%
FOUR currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.
Dividend Payout Ratio (TTM)
ADBE
0.00%
Software Industry
- Max
- 1.32%
- Q3
- 0.53%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
ADBE has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.
FOUR
0.00%
Financial Services Industry
- Max
- 155.56%
- Q3
- 63.71%
- Median
- 18.08%
- Q1
- 0.00%
- Min
- 0.00%
FOUR has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.
Dividend at a Glance
| Symbol | ADBE | FOUR |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.00% |
| Dividend Payout Ratio (TTM) | 0.00% | 0.00% |
Valuation
Price-to-Earnings Ratio (TTM)
ADBE
22.30
Software Industry
- Max
- 149.35
- Q3
- 100.21
- Median
- 47.97
- Q1
- 26.77
- Min
- 11.68
In the lower quartile for the Software industry, ADBE’s P/E Ratio of 22.30 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.
FOUR
36.29
Financial Services Industry
- Max
- 63.23
- Q3
- 32.10
- Median
- 14.41
- Q1
- 10.81
- Min
- 0.37
A P/E Ratio of 36.29 places FOUR in the upper quartile for the Financial Services industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.
Price-to-Sales Ratio (TTM)
ADBE
6.78
Software Industry
- Max
- 25.24
- Q3
- 13.52
- Median
- 8.15
- Q1
- 4.87
- Min
- 0.98
ADBE’s P/S Ratio of 6.78 aligns with the market consensus for the Software industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.
FOUR
2.22
Financial Services Industry
- Max
- 11.16
- Q3
- 5.45
- Median
- 2.61
- Q1
- 1.25
- Min
- 0.04
The P/S Ratio is often not a primary valuation tool in the Financial Services industry.
Price-to-Book Ratio (MRQ)
ADBE
15.45
Software Industry
- Max
- 30.95
- Q3
- 14.91
- Median
- 7.75
- Q1
- 3.60
- Min
- 0.38
ADBE’s P/B Ratio of 15.45 is in the upper tier for the Software industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.
FOUR
5.45
Financial Services Industry
- Max
- 7.09
- Q3
- 3.79
- Median
- 1.46
- Q1
- 0.83
- Min
- 0.04
FOUR’s P/B Ratio of 5.45 is in the upper tier for the Financial Services industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.
Valuation at a Glance
| Symbol | ADBE | FOUR |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 22.30 | 36.29 |
| Price-to-Sales Ratio (TTM) | 6.78 | 2.22 |
| Price-to-Book Ratio (MRQ) | 15.45 | 5.45 |
| Price-to-Free Cash Flow Ratio (TTM) | 16.23 | 21.02 |