FOUR scored 59/100 for growth — blending a 3-year historical track record (60%) with analyst forward estimates (40%). Historical revenue CAGR of 6.3% is solid. Forward: analysts forecast 10.8% revenue growth next year, EPS expected to fall -21.9%. Overall a solid growth profile with positive momentum.

Insufficient price history to assess momentum. Score defaulted to neutral (50).

FOUR scores 56/100 for profitability, assessed sector-relative on margins and via absolute thresholds for capital efficiency. Gross margin of 31.8% is 29% below the sector average of 45% — suggesting below-average pricing power or higher input costs vs peers. Net margin of 8.6% sits 14% below the sector norm of 10%. FCF conversion of 96% confirms high earnings quality — reported profits are well-backed by cash. EBIT growing at 12.8% (3yr CAGR) shows strong operational momentum. ROE of 85.4% is outstanding. Overall solid profitability with healthy margins relative to the sector.

FOUR received a valuation score of 75/100 using sector-relative scoring. Its Forward P/E of 16.7x is 7% below the sector average of 18x. EV/EBITDA of 8.4x sits 16% below the sector norm of 10x. Price/FCF of 9.4x is compelling on a cash yield basis. The company holds net cash, providing balance sheet flexibility. Overall the stock looks attractively valued relative to its sector peers.

FOUR has a financial solvency risk score of 7/100. This indicates extremely low solvency risk — virtually fortress-like. The company holds a net cash position, eliminating refinancing risk entirely. Interest coverage of 370.3x makes debt service negligible. This pristine balance sheet provides maximum optionality and protection in any market environment.

FOUR scores 21/100 for operational quality, indicating low operational risk. The company shows a positive net margin of 8.6%, healthy free cash flow at 8.3% FCF margin, exceptional capital efficiency — Cash ROA of 46.1% is a standout metric, highly stable margins (±2.1pp variance over 3 years). This combination of strong margins, cash generation, and capital efficiency suggests a resilient business model with low operational risk.

FOUR has a volatility risk score of 35/100. This shows low volatility with relatively stable prices. Beta of 0.62 indicates defensive characteristics — it moves less than the market. Lower volatility is well-suited to conservative investors and income-focused portfolios.

FOUR has a market cap of £1.1B (Small Cap), resulting in a size risk score of 50/100. As a mid-cap company, it faces moderate size-related risk. Mid-caps are typically past the highest-risk startup phase but don't yet have the scale and diversification of large-caps. They can still face challenges from larger competitors and economic cycles, but have established operations and some market presence. Size risk is present but manageable with proper diversification.