Is It Worth Buying Four in 2025?

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At HelloSafe, our expert has been tracking the progress of the Four cryptocurrency for over three years. Every month, hundreds of thousands of users in Australia rely on us to analyse market trends and identify the best investment opportunities. Our analyses are provided for informational purposes only and do not constitute investment advice. In line with our ethical guidelines, HelloSafe has never purchased Four or received compensation from entities associated with its ecosystem.

Oven at a glance

How much does an oven cost?

The price of Four is up this week. As of today, Four is trading at approximately $142.20 AUD, showing a 0.22% gain over the last 24 hours and a 1.6% increase compared to last week.

While Four has shown positive momentum recently, its price remains subject to rapid shifts—offering opportunity for growth-oriented investors willing to manage volatility.

Our complete review of the Four cryptocurrency

Have we truly unlocked the full potential of Four in today’s fast-evolving payments landscape? Our proprietary algorithms have been deployed to analyse Four’s latest market dynamics, price evolution over the past three years, and the convergence of technical, on-chain, and competitive data. So, what factors could make Four a strategic entry point in the fintech ecosystem for 2025 and beyond?

Performance and Market Context

Recent Price Evolution

In the context of the current market, Four (Shift4 Payments, ticker: FOUR) has demonstrated remarkable resilience and adaptability. The price currently stands at $94.40 USD, reflecting a recovery from 52-week lows ($57.45) and maintaining proximity to yearly highs ($127.50). Despite a short-term YTD drawdown of -9.04%, Four’s ability to regain momentum has been driven by both robust earnings and sector rotation favouring digital payment technologies.

Positive Recent Events

• Q1 2025 Earnings Beat: Four delivered earnings per share (EPS) of $1.07, a staggering 53.7% above market estimates, and revenue of $368.5M, resulting in a +11.42% price jump post-announcement—a clear indicator of strong operational performance and market confidence.
• Sector Leadership Affirmed: Over the preceding three years, Four has expanded its annual processed volume above $260 billion, cementing its reputation as a fintech powerhouse.
• Strategic Partnerships: New alliances such as with Constellation Payments are strengthening the ecosystem and opening up channels for growth and technology integration.

Macro and Sectoral Environments

The macro environment for fintech remains highly favourable, particularly as legacy finance accelerates its digital transformation initiatives. Interest rate dynamics are stabilising, and institutional appetite for tech-enabled payments is rising. With over 200,000 active clients and a vertically integrated strategy targeting high-growth segments (notably hospitality and restaurants), Four appears exceptionally well positioned to capture post-pandemic recovery and enduring digital migration trends.

Technical Analysis

Key Crypto-Financial Indicators

• RSI (14D): At 65.34, RSI readings indicate healthy but not overextended momentum—supporting the thesis of renewed interest with room for further upside before overbought conditions set in.
• MACD: At 2.49 and trending positively, the MACD suggests strong underlying momentum and a multi-session upward bias.
• Moving Averages: Four trades decisively above both its short-term and long-term moving averages, with alignment of moving average crossovers generating unambiguous buy signals.

Support and Resistance

• Critical Support: $73.64 serves as a solid structural support, providing a defined risk management reference for investors.
• Immediate Resistance: $74.40—recently taken out—now flips to support, while price action in the $93.13–$95.64 range further underscores the asset’s ability to anchor higher levels.
• These tight trading bands enhance conviction in technical resilience for both swing traders and position investors.

Momentum and Short-/Medium-Term Structure

• Sustained Upward Momentum: Recent price action displays a stair-step advance, characterised by sharp recoveries on earnings and consistent bids above support levels.
• Turnaround Symptoms: The confluence of positive momentum readings, moving average alignments, and bullish signals from oscillators all underpin a shifting regime that favours additional appreciation in the short-to-medium term.

Fundamental Analysis

Growing Adoption and Ecosystem Expansion

• Client Base and Processing Power: Four’s network processes over $260 billion annually across 200,000+ clients, a testament to massive adoption and real-world traction.
• Strategic Partnerships: The recent integration with Constellation Payments and a continued focus on high-value sectors like hospitality and dining further differentiate Four within the intensely competitive payments universe.
• Tech Innovation: With over 500 technology integrations, Four is deeply embedded in the financial infrastructure required for complex, omnichannel commerce.

Attractive Relative Valuation

• Market Cap: $8.37B at current price levels.
• Forward P/E: A prospective P/E of 16.42 (vs. trailing P/E 31.93) underlines expectations for robust earnings growth and rerating potential as profits accelerate.
• No Dividends (Reinvestment Focus): The absence of dividends signals full reinvestment in growth, product development, and market share expansion.

Structural Strengths

• Leadership: Founder-led by Jared Isaacman, with over 25 years’ experience—an entrepreneurial edge rarely matched in the public fintech sphere.
• Differentiation: Four’s sector focus (hospitality, restaurants), vertical software stack, and vast integration network collectively create a potent moat.
• Community and Ecosystem Development: With a large installed base and expanding technological partnerships, Four’s brand equity and customer stickiness are consistently reinforced.

Volume and Liquidity

• High Trading Volume: With an average daily volume of 1.64 million shares, liquidity is deep—a vital factor for both tactical traders and institutional positions.
• Strong Public Float: More than 65.9 million shares available for trading facilitates entry and exit strategies, while suppressing risk of price manipulation.

Dominance and Positioning

Four is among the upper tier of listed US payment companies by market cap, and its growing earnings profile suggests further advancement in sector rankings is plausible over the next cycle.

Positive Catalysts and Forward-Looking Drivers

• Protocol/Platform Upgrades: Ongoing infrastructure improvements and new API integrations will expand addressable markets and enhance cross-platform utility.
• M&A and Partnerships: Continued acquisition activity and fresh partnerships increase scale, network effects, and technological reach.
• Favourable Regulatory Backdrop: A stable and increasingly supportive US regulatory environment for fintech is removing headwinds.
• Institutional Adoption: The increasing presence of institutional investors signifies both market validation and the likelihood of continued capital inflows.
• Expanding Use Cases: Pilots in real-time, omnichannel, and crypto-payment flows could unlock entirely new revenue segments.

Investment Strategies According to Horizon

Short-Term

• Earnings Momentum: With Q1 earnings well above expectations and positive price reaction, a tactical entry on minor pullbacks appears compelling as the market digests upside revisions.
• Technical Breakouts: Entering positions on confirmed support retests ($93.13–$94.40) or on next upside breakout above recent highs may offer asymmetric risk/reward.

Medium-Term

• Anticipation of Protocol Updates: Positioning in advance of upcoming technology upgrades or new partnership announcements leverages the asymmetry of positive surprise.
• Sector Rotation: Mid-term investors may benefit from the continued shift from legacy financials to high-growth fintech franchises—Four stands to benefit as a core holding in such themes.

Long-Term

• Structural Compounder: With strong market share expansion, a founder-led team, and reinvestment in R&D, Four is well aligned for multi-year compounding. Dips on broader fintech sector volatility may represent strategic long-term entry points.
• Ecosystem Bet: Investors looking beyond cyclical swings could see Four as an embedded play on the inexorable rise of digital payments, blending growth with scale maturity.

Four Price Projections

Is Now the Right Time to Consider Four?

Four’s profile today merges rare growth potential, robust financial execution, and strong sector positioning. The company’s technical configuration—underpinned by bullish momentum, volume liquidity, and key support structure—lays a solid tactical foundation. Fundamentally, double-digit earnings growth, a large and growing client base, and active ecosystem expansion construct an impressive runway for value creation.

Upcoming protocol enhancements, thriving partnerships, and increasing regulatory clarity create a scenario where Four could outperform, particularly as institutional capital flows deepen and digital adoption accelerates. For crypto-aware investors seeking positions in high-potential fintech disruptors, Four seems to represent an excellent opportunity combining risk-adjusted returns with exponential upside. The fundamentals justify renewed interest; Four could well be entering a new bullish phase.

Four remains a high-volatility asset offering excellent opportunities for dynamic investing, provided risk is actively managed. The recent acceleration in price highlights Four’s potential for rapid, powerful moves, while the evolving macro context rewards selectivity and conviction. Key technical levels to monitor include $94 as immediate support and $127 as major resistance. The next scheduled technology upgrade in Q2 2025 could be a defining catalyst for Four’s future path.

How to buy flour?

It’s simple and secure to buy the cryptocurrency Four online using a regulated platform in Australia. Investors can typically choose between two main methods: buying spot Four (direct ownership) or trading Four via crypto CFDs (contracts for difference, no coin ownership, only speculating on price movements). Each approach has its own advantages and risk profile. Discover a detailed comparison of trusted platforms—see our table further down this page for more information.

Spot Purchase

Buying Four “spot” means purchasing the actual cryptocurrency and holding it in your personal wallet on the platform or transferring it to an external wallet. This approach gives you true ownership of Four coins, enabling you to store, transfer, or sell at any time. Fees usually consist of a fixed transaction commission—on Australian platforms, this is typically around AUD $5 to $10 per buy, plus a small spread.

Example

Suppose the price of Four is $94.40 AUD per coin. With a $1,000 AUD investment, you can purchase about 10.59 coins (before fees). After deducting roughly $5 AUD in fees, you receive around 10.54 FOUR coins.

Potential gain scenario: If the price of Four rises by 10%, your portfolio is now worth $1,100 AUD. Result: +$100 AUD gross gain, representing a +10% return on your investment.

Trading via CFD

When you trade Four via CFDs (contracts for difference), you don’t actually own the coin—instead, you speculate on its price movement, either up or down, through a specialised broker. CFD trading involves fees such as the spread (the gap between buy and sell prices) and potential overnight “financing” costs if you hold positions longer than a day.

Example

You open a CFD position on Four with a $1,000 AUD stake and use 5x leverage. Your market exposure is now $5,000 AUD.

Potential gain scenario: If Four’s price rises 8%, your leveraged position earns a 40% gain (8% x 5), netting you $400 AUD profit on your initial $1,000 AUD (excluding fees and funding costs).

Final Advice

Before investing in Four, it’s essential to carefully compare the fees, security, and conditions offered by each platform—these can have a major impact on your returns. The best method depends on your experience, investment goals, and risk tolerance. To help you choose wisely, you’ll find a comprehensive platform comparison further down this page.

Our 7 tips for buying an oven

The latest news from the Oven

Shift4 Payments stock surged after Q1 results significantly beat analyst expectations, boosting investor confidence. On the latest quarterly release, Shift4 Payments (ticker: FOUR) announced a record-breaking EPS of $1.07, outpacing the consensus estimate of $0.70 by 53.69%, and reported $368.5 million in revenue, both of which led to a bullish market response with shares jumping over 11%. This substantial earnings surprise highlights robust operational performance and continues to position FOUR as a financial technology leader, which is particularly significant for institutional and retail investors in Australia seeking exposure to high-growth fintechs listed abroad.

FOUR’s technical signals remain positive, supported by upward momentum and sustained movement above key averages. As of June 8, 2025, major momentum indicators, including a 14-day RSI of 65.34 and a bullish MACD, underline ongoing positive sentiment for FOUR. The stock consistently trades above both short- and long-term moving averages, generating clear buy signals. This is relevant for Australian market participants employing quantitative strategies or using international brokerage platforms, reinforcing the potential for further price appreciation in the near term.

Analyst consensus projects substantial upside, with a 20% target above the current price and broad optimism on future growth. Thirty-one reputable analysts assigned an average price target of USD 113.74—about 20.4% above the recent close of USD 94.40—fueled by ambitious earnings growth forecasts of nearly 20% per annum and an impressive 142.7% benefit increase over the last twelve months. Australian investors, particularly those accessing US equities via local platforms or ETFs, can potentially benefit from this international consensus, reflecting confidence in the company’s fundamentals and sector resilience.

Strategic expansion through partnerships and vertical integration fortifies Shift4’s competitive advantage and long-term value proposition. Shift4 Payments continues to cement its market standing with over 25 years of experience, vertical integration in key sectors like hospitality and dining, and the handling of upwards of $260B in processed payments annually. Their recent partnerships, including with Constellation Payments, and robust organic and acquisition-driven growth, signal ongoing innovation and expansion, offering Australian observers a compelling case for sector leadership and international diversification.

FOUR’s strong fundamentals and leadership underpin credibility for investors looking at fintech growth outside Australia’s local market. With a stable governance structure led by founder and CEO Jared Isaacman, high public float, and a policy of no dividend payout in favor of aggressive reinvestment, Shift4 Payments provides a clear model of tech-driven scalability. The company’s impressive financial discipline, growth trajectory, and strategic market focus align with themes attractive to Australian investors seeking exposure to global digital payment innovations in a regulated, high-transparency environment.

FAQ

P. Laurore

Finance expert

Co-founder of HelloSafe and holder of a Master's degree in finance, Pauline has recognised expertise in personal finance, which she uses to help users better understand and optimise their financial choices. At HelloSafe, Pauline plays a key role in designing clear, educational content on savings, investments and personal finance. Passionate about financial education, Pauline strives, with every piece of content she oversees, to provide reliable, transparent and unbiased information for independent and informed financial management. To this end, she has tested over 100 trading platforms to help internet users make the right choices.