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Edge12 Dec 2025
Running on Clouds: The Story of On
The story of how a Swiss runner's pursuit of a new running sensation became On, aiming to be the most premium global sportswear brand worldwide.
Shift4 Payments
Shift4 Payments (FOUR) investor relations material
Shift4 Payments 28th Annual ICR Conference 2025 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.28th Annual ICR Conference 2025 summary12 Jan, 2026
Business overview and strategy
Powers commerce for in-person experiences across restaurants, hotels, stadiums, and luxury retail, integrating payments, software, and hardware for seamless transactions.
Holds significant market share: about a third of US table service restaurants, 40% of US hotels, and 75% of US stadiums.
Focuses on complex, multi-location merchants, providing a one-stop shop for commerce solutions.
Deliberate shift to increase brand visibility at the point of sale, aiming to build customer confidence and drive new business.
Maintains a mature playbook for entering new verticals and geographies, leveraging both organic growth and acquisitions.
Leadership transition and organizational change
CEO Taylor Lauber brings deep company history and Wall Street experience, emphasizing continuity in ambition and strategy.
Organization has doubled in size to 6,000 employees in 18 months, now operating in 75 new countries.
Founder remains largest shareholder, ensuring ongoing alignment with original vision.
Growth requires evolving organizational structure to manage global expansion effectively.
Acquisition strategy and Global Blue integration
Acquired Global Blue, a $2.5B tax-free shopping business with 85% market share, after six years of pursuit.
Acquisition expands presence in luxury retail and new geographies, with Global Blue already growing at high teens to 20%.
M&A strategy focuses on buying proven assets and sales teams to accelerate growth and lower customer acquisition costs.
Approach likened to Netflix: buy proven solutions when possible, but also build industry-leading products when needed.
Global Blue: How does it deepen Shift4's moat?
How to capitalize on global markets' tech lag?
M&A: How does it drive capital-efficient growth?
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Next Shift4 Payments earnings date
Q4 202520 Feb, 2026
Shift4 Payments
Next Shift4 Payments earnings date
Q4 202520 Feb, 2026
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Frequently asked questions
Payment Solutions Made Simple
Shift4 Payments is a payment processing and technology provider that serves a diverse range of businesses, including restaurants, hotels, retail establishments, and e-commerce platforms. Specializing in integrated payment solutions, the company offers a suite of products designed to simplify transactions, enhance security, and improve operational efficiency. Their services integrate with various point-of-sale systems, providing businesses with both flexibility and reliability. Shift4 Payments tailors its offerings to cater to the specific needs of each industry it serves, ensuring that merchants can focus on their core operations by utilizing streamlined payment processes.
Founded by a 16-year old
Shift4 was founded by Jared Isaacman when he was just 16. Isaacman, having already secured his GED and working full-time in a payment processing firm, he observed several industry inefficiencies. Traditionally, merchants faced a month-long wait to initiate a payment system, bore the cost of credit card readers, and navigated extensive applications. He established what would later become the modern form of the company United Bank Card in his parent's basement in Far Hills, New Jersey, to address these issues. Isaacman and the company he went on to found changed this by streamlining the setup to just one day, offering free credit card readers, and simplifying the application to two pages.
The Services
Shift4 Payments offers a comprehensive range of payment processing and technology solutions tailored for diverse businesses. Key offerings include integrated payment solutions that meld seamlessly with a variety of point-of-sale (POS) systems. To bolster security, Shift4 Payments implements tokenization and end-to-end encryption, ensuring that transaction data remains protected.
Additionally, the company provides tools for business analytics and inventory management, allowing merchants to gain insights into their operations. Their solutions, while technologically advanced, are designed for simplicity and ease of use, ensuring businesses can efficiently handle payments while focusing on their day-to-day operations.
Further reading: The Payments Value Chain: A Complex Ecosystem
The Customers
Shift4 Payments offers its services to a broad spectrum of industries, encompassing hospitality, retail, and e-commerce sectors. Their customer base ranges from small, independent restaurants and boutique hotels to large-scale retail chains and sizable online platforms. Some notable publicly traded companies utilizing Shift4’s services include Allegiant, Caesar’s, and Hilton, to name a few.
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