FOUR vs. XYZ: A Head-to-Head Stock Comparison

Updated on August 20, 2025

Here’s a clear look at FOUR and XYZ, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

Symbol	FOUR	XYZ
Company Name	Shift4 Payments, Inc.	Block, Inc.
Country	United States	United States
GICS Sector	Financials	Financials
GICS Industry	Financial Services	Financial Services
Market Capitalization	7.97 billion USD	46.91 billion USD
Exchange	NYSE	NYSE
Listing Date	June 5, 2020	November 19, 2015
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of FOUR and XYZ 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.

FOUR vs. XYZ: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	FOUR	XYZ
5-Day Price Return	8.13%	0.13%
13-Week Price Return	0.02%	39.86%
26-Week Price Return	-24.97%	-10.61%
52-Week Price Return	23.46%	25.96%
Month-to-Date Return	-12.53%	-0.40%
Year-to-Date Return	-13.19%	-9.46%
10-Day Avg. Volume	3.53M	9.79M
3-Month Avg. Volume	1.88M	11.23M
3-Month Volatility	44.54%	44.62%
Beta	1.73	2.77

Profitability

Return on Equity (TTM)

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.

XYZ

12.76%

Financial Services Industry

Max: 40.58%
Q3: 20.06%
Median: 10.67%
Q1: 4.19%
Min: -10.31%

XYZ’s Return on Equity of 12.76% is on par with the norm for the Financial Services industry, indicating its profitability relative to shareholder equity is typical for the sector.

FOUR vs. XYZ: A comparison of their Return on Equity (TTM) against the Financial Services industry benchmark.

Net Profit Margin (TTM)

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.

XYZ

10.92%

Financial Services Industry

Max: 52.86%
Q3: 25.58%
Median: 12.23%
Q1: 6.64%
Min: -9.92%

XYZ’s Net Profit Margin of 10.92% is aligned with the median group of its peers in the Financial Services industry. This indicates its ability to convert revenue into profit is typical for the sector.

FOUR vs. XYZ: A comparison of their Net Profit Margin (TTM) against the Financial Services industry benchmark.

Operating Profit Margin (TTM)

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.

XYZ

4.06%

Financial Services Industry

Max: 77.28%
Q3: 37.68%
Median: 18.17%
Q1: 9.27%
Min: -8.19%

XYZ’s Operating Profit Margin of 4.06% 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.

FOUR vs. XYZ: A comparison of their Operating Profit Margin (TTM) against the Financial Services industry benchmark.

Profitability at a Glance

Symbol	FOUR	XYZ
Return on Equity (TTM)	21.96%	12.76%
Return on Assets (TTM)	3.99%	7.11%
Net Profit Margin (TTM)	6.11%	10.92%
Operating Profit Margin (TTM)	7.53%	4.06%
Gross Profit Margin (TTM)	30.55%	37.95%

Financial Strength

Current Ratio (MRQ)

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.

XYZ

2.27

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.

FOUR vs. XYZ: A comparison of their Current Ratio (MRQ) against the Financial Services industry benchmark.

Debt-to-Equity Ratio (MRQ)

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.

XYZ

0.27

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.

FOUR vs. XYZ: A comparison of their Debt-to-Equity Ratio (MRQ) against the Financial Services industry benchmark.

Interest Coverage Ratio (TTM)

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.

XYZ

12.18

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.

FOUR vs. XYZ: A comparison of their Interest Coverage Ratio (TTM) against the Financial Services industry benchmark.

Financial Strength at a Glance

Symbol	FOUR	XYZ
Current Ratio (MRQ)	2.53	2.27
Quick Ratio (MRQ)	2.49	2.22
Debt-to-Equity Ratio (MRQ)	2.34	0.27
Interest Coverage Ratio (TTM)	14.17	12.18

Growth

Revenue Growth

FOUR vs. XYZ: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

FOUR vs. XYZ: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

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.

XYZ

0.00%

Financial Services Industry

Max: 8.18%
Q3: 3.60%
Median: 1.56%
Q1: 0.00%
Min: 0.00%

XYZ 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 vs. XYZ: A comparison of their Dividend Yield (TTM) against the Financial Services industry benchmark.

Dividend Payout Ratio (TTM)

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.

XYZ

0.00%

Financial Services Industry

Max: 155.56%
Q3: 63.71%
Median: 18.08%
Q1: 0.00%
Min: 0.00%

XYZ 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 vs. XYZ: A comparison of their Dividend Payout Ratio (TTM) against the Financial Services industry benchmark.

Dividend at a Glance

Symbol	FOUR	XYZ
Dividend Yield (TTM)	0.00%	0.00%
Dividend Payout Ratio (TTM)	0.00%	0.00%

Valuation

Price-to-Earnings Ratio (TTM)

FOUR

35.99

Financial Services Industry

Max: 63.23
Q3: 32.10
Median: 14.41
Q1: 10.81
Min: 0.37

A P/E Ratio of 35.99 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.

XYZ

18.17

Financial Services Industry

Max: 63.23
Q3: 32.10
Median: 14.41
Q1: 10.81
Min: 0.37

XYZ’s P/E Ratio of 18.17 is within the middle range for the Financial Services industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

FOUR vs. XYZ: A comparison of their Price-to-Earnings Ratio (TTM) against the Financial Services industry benchmark.

Price-to-Sales Ratio (TTM)

FOUR

2.20

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.

XYZ

1.99

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.

FOUR vs. XYZ: A comparison of their Price-to-Sales Ratio (TTM) against the Financial Services industry benchmark.

Price-to-Book Ratio (MRQ)

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.

XYZ

1.57

Financial Services Industry

Max: 7.09
Q3: 3.79
Median: 1.46
Q1: 0.83
Min: 0.04

XYZ’s P/B Ratio of 1.57 is within the conventional range for the Financial Services industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

FOUR vs. XYZ: A comparison of their Price-to-Book Ratio (MRQ) against the Financial Services industry benchmark.

Valuation at a Glance

Symbol	FOUR	XYZ
Price-to-Earnings Ratio (TTM)	35.99	18.17
Price-to-Sales Ratio (TTM)	2.20	1.99
Price-to-Book Ratio (MRQ)	5.45	1.57
Price-to-Free Cash Flow Ratio (TTM)	20.85	39.25