Sifting through countless of stocks in the Financial Services industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Shift4 Payments, Inc. or Flywire Corporation because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Shift4 Payments, Inc. and Flywire Corporation compare based on key financial metrics to determine which better meets your investment needs.

About Shift4 Payments, Inc. and Flywire Corporation

Shift4 Payments, Inc. engages in the provision of software and payment processing solutions in the United States and internationally. The company offers a payments platform, which provides omnichannel card acceptance; and processing solutions across multiple payment types, including credit, debit, contactless card, Europay, MasterCard and Visa, QR Pay, and mobile wallets, as well as alternative payment methods, such as Apple Pay, Google Pay, Alipay, and WeChat Pay. It also provides technology solutions, such as SkyTab POS, which provides purpose-built POS workstations; SkyTab Mobile, which provides pay-at-the-table, order-at-the-table, delivery, customer feedback, and email marketing solutions; SkyTab Venue, which provides mobile ordering, countertop POS, self-service kiosk, and digital wallet solutions; Lighthouse, a cloud-based suite of business intelligence tools that includes customer engagement, social media management, online reputation management, scheduling and product pricing, extensive reporting, and analytics; The Giving Block, a cryptocurrency donation marketplace; Shift4Shop, an e-commerce platform that creates a web store and tools to manage product catalog, order fulfillment and inventory management, search engine optimization, and secure hosting; and Marketplace, which enables integrations into third-party applications, as well as loyalty and inventory management. In addition, the company offers merchant operations and support services, including underwriting, onboarding, and activation; training; risk management; and support services. Further, it provides software partner operations and support services, including software integrations and compliance management; partner support; and partner services. The company distributes its products through independent software vendors, internal sales and support networks, enterprises, and value-added resellers. Shift4 Payments, Inc. was founded in 1999 and is headquartered in Center Valley, Pennsylvania.

Flywire Corporation, together with its subsidiaries, operates as a payment enablement and software company in the United States, Europe, the Middle East, and Africa and the Asia Pacific. The company provides a payment platform that integrates into existing apps and workflows and have access to solutions, such as tailored invoicing, settlement and reconciliation tools, single sign-on and checkout, recurring payments, and split payouts. It also offers a payment network, which has access to a set of payment methods, including banks, third-party payment providers, payment networks, and digital wallets; and direct connections to alternative payment methods consisting of Alipay, Boleto, PayPal / Venmo, and Trustly. In addition, the company provides vertical-specific software comprising vertical-specific digital workflows; integration and synchronization to core and industry specific systems; real-time access; and predictive analytics. It serves education, healthcare, travel, and B2B industries. The company was formerly known as peerTransfer Corporation and changed its name to Flywire Corporation in December 2016. Flywire Corporation was incorporated in 2009 and is headquartered in Boston, Massachusetts.

Latest Financial Services and Shift4 Payments, Inc., Flywire Corporation Stock News

As of September 4, 2026, Shift4 Payments, Inc. had a $3.6 billion market capitalization, compared to the Financial Services median of $2.4 million. Shift4 Payments, Inc.’s stock is down 27% in 2026, up 4.5% in the previous five trading days and down 47.51% in the past year.

Currently, Shift4 Payments, Inc.’s price-earnings ratio is 73.6. Shift4 Payments, Inc.’s trailing 12-month revenue is $4.8 billion with a 2.2% net profit margin. Year-over-year quarterly sales growth most recently was 34.1%. Analysts expect adjusted earnings to reach $5.217 per share for the current fiscal year. Shift4 Payments, Inc. does not currently pay a dividend.

As of September 4, 2026, Flywire Corporation had a $2.3 billion market cap, putting it in the 55th percentile of all stocks. Flywire Corporation’s stock is up 31% in 2026, down 1.3% in the previous five trading days and up 42.15% in the past year.

Currently, Flywire Corporation’s price-earnings ratio is 71.6. Flywire Corporation’s trailing 12-month revenue is $713.5 million with a 4.8% net profit margin. Year-over-year quarterly sales growth most recently was 27.1%. Analysts expect adjusted earnings to reach $1.053 per share for the current fiscal year. Flywire Corporation does not currently pay a dividend.

How We Compare Shift4 Payments, Inc. and Flywire Corporation Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Shift4 Payments, Inc. and Flywire Corporation’s stock grades to see how they measure up against one another.

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Shift4 Payments, Inc. and Flywire Corporation Stock Value Grades

Company	Ticker	Value
Shift4 Payments, Inc.	FOUR	D
Flywire Corporation	FLYW	D

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

Shift4 Payments, Inc. has a Value Score of 35, which is Expensive. Flywire Corporation has a Value Score of 24, which is Expensive.

The Value Stock Winner: No Clear Winner

Neither Shift4 Payments, Inc. or Flywire Corporation has a high enough value grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolio. It’s important to look at a wide range of financial metrics in order to determine if Shift4 Payments, Inc. or Flywire Corporation is the better investment when it comes to value.

Shift4 Payments, Inc. and Flywire Corporation Growth Grades

Company	Ticker	Growth
Shift4 Payments, Inc.	FOUR	B
Flywire Corporation	FLYW	B

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

Shift4 Payments, Inc. has a Growth Score of 69, which is Strong. Flywire Corporation has a Growth Score of 69, which is Strong.

The Growth Grade Winner: It’s a Tie!

Looking at the Growth Grade breakdown above, both Shift4 Payments, Inc. and Flywire Corporation have a grade of B. For investors who focus solely on a company’s upward growth, further research should be conducted into both companies’ other financial metrics before deciding whether to invest.

Shift4 Payments, Inc. and Flywire Corporation’s Quality Grades

Company	Ticker	Quality
Shift4 Payments, Inc.	FOUR	C
Flywire Corporation	FLYW	A

Like the Value Grade, AAII’s A+ Investor Quality Grade comes from the percentile rank of key metrics. Specifically, the Quality Score is the percentile rank of the average of the percentile ranks of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and the F-Score.

The score is variable, meaning it can consider all eight measures or, should any of the eight measures not be valid, the remaining measures that are valid. To be assigned a Quality Score, stocks must have a valid (non-null) measure and corresponding ranking for at least four of the eight quality measures.

The Quality Score is used to assess the underlying “quality” of a particular stock. A higher-quality stock possesses traits associated with upside potential and reduced downside risk. Backtesting of the Quality Grade shows that stocks with higher grades, on average, outperformed stocks with lower grades over the period of 1998 through 2019.

Stocks receive better grades (higher scores) for having higher scores for the quality subcomponents and worse grades (lower scores) for lower scores for the subcomponents.

Shift4 Payments, Inc. has a Quality Score of 44, which is Average. Flywire Corporation has a Quality Score of 83, which is Very Strong.

The Quality Grade Winner: Flywire Corporation

As you can clearly see from the Quality Grade breakdown above, Flywire Corporation has a better overall quality grade than Shift4 Payments, Inc.. For investors who are looking for companies with higher quality than others in the same industry, Flywire Corporation could be a good stock to add to their portfolios. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Other Shift4 Payments, Inc. and Flywire Corporation Grades

In addition to Quality, Value and Growth, A+ Investor also provides grades for Momentum and Estimate Revisions.

Momentum grades help uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming.

Earnings estimate revisions scores take into account the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, surprises beget further surprises‐or at least continued sales growth (the exact opposite is generally true, too).

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Shift4 Payments, Inc. and Flywire Corporation pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Shift4 Payments, Inc. or Flywire Corporation Stock?

Overall, Shift4 Payments, Inc. stock has a Value Score of 35, Growth Score of 69 and Quality Score of 44.

Flywire Corporation stock has a Value Score of 24, Growth Score of 69 and Quality Score of 83.

Comparing Shift4 Payments, Inc. and Flywire Corporation’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.