Should You Buy Four in 2025?

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At HelloSafe, our expert has been monitoring the evolution of the Four cryptocurrency for over three years. Every month, hundreds of thousands of users across India trust us to analyze 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 charter, HelloSafe has never purchased Four nor received any compensation from entities associated with its ecosystem.

Oven in brief

How much does an oven cost?

The price of Four is up this week. Currently, Four is trading at ₹7,887.31, showing a daily gain of +₹17.45 (+0.22%) and, over the past week, a positive momentum with a 2.3% rise.

Its market capitalization stands at ₹69,93,30,00,000, securing its rank as #48 among digital assets, with an average three-month trading volume of ₹1,463 crore.

There are 6,74,70,000 Four tokens in circulation, representing 0.31% of the total cryptocurrency market.

The recent uptick illustrates the token's lively performance, highlighting both ongoing volatility and potential opportunities for investors in India.

Our complete review of the crypto Four

Having systematically analyzed Four’s latest trends and its three-year evolution through our proprietary cross-analysis of on-chain metrics, technical signals, market data, and competitive landscape, our results provide deep insights for discerning investors. By triangulating these multiple streams of analysis, we observe decisive shifts in Four’s performance profile, resilience, and positioning. So why, in 2025, could Four re-emerge as a strategic entry point within the payment technology and digital commerce ecosystem?

Recent Performance and Market Context

Price Evolution and Momentum

Four (Shift4 Payments Inc.) has demonstrated substantial outperformance over the past twelve months, with its price surging to $94.40—an impressive +35.4% year-on-year. Despite a moderate six-month retracement (-8.98%) reflective of sector-wide normalization after 2024’s exuberance, the underlying trend remains upwards. This resilience is accentuated by its broad 52-week range ($57.45 - $127.50), illustrating both the volatility and upside capture typical of high-growth payment technology assets.

Recent Q1 2025 results sharply outpaced consensus, with reported revenue of $848.3M (+19.9% YoY), adjusted EBITDA up +38% YoY (to $168.5M), and a record EPS of $1.07 (beating estimates by over 53%). Importantly, free cash flow stands at $46.6M, underlining operational efficiency in an industry often typified by heavy reinvestment.

Positive Catalysts and Market Sentiment

Market sentiment has pivoted positively, reinforced by a raised guidance for 2025: gross revenue (less network fees) now projected to rise +23% to +28%. The stock’s analyst consensus is “Buy” with a target of $114.26, suggesting broad institutional conviction in its upside potential. The Global Blue acquisition—a $2.5B deal representing a ~15% premium—signals an aggressive push into luxury retail payments, while partnership negotiations with Tencent and Alipay could place Four at the nexus of cross-border payment flows, especially vital for the super-app driven Asian markets.

Macro/Sector Tailwinds

Globally, the embedded-finance and payments ecosystem is benefiting from the accelerating digitalization of commerce and a regulatory environment progressively favorable to capital-light fintech disruptors. The recent surge in payment volumes (+35% YoY in Q1) for Four is symptomatic of deep shifts in consumer and merchant behavior, with omnichannel solutions emerging as a dominant paradigm.

Technical Analysis

Key Indicators

• RSI (14d): 62.63, suggesting the asset is within neutral/bullish territory, with no sustained overbought pressure.
• MACD (12,26,9): 2.62, currently a near-term sell, but corroborated by high volatility—a pattern often seen before upward reversals in high-beta tech.
• Moving Averages (MA):
• 20D ($90.83) and 50D ($84.63): Both signal “Buy”, as price remains confidently above.
• 100D ($94.34) and 200D ($94.42): Both signal “Sell”, but the price is converging on the long-term MAs—a technical “compression” phase historically associated with breakout potential.

Support/Resistance and Structure

• Immediate support: $87.64—held strongly through recent volatility.
• Major resistance: $98.62; a close above this threshold could unlock a rapid push toward $114 and beyond.

Further, Williams %R (-26.78) is in bullish territory, indicating strong buying pressure, while the CCI (14) at 118.47 warns of minor short-term excess, but overall technical consensus (12 bullish vs 5 neutral/5 bearish) favors a constructive bias.

Momentum and Short-/Medium-Term Outlook

Price compression above key support and the repeated confirmation above critical MAs suggest Four could soon transition from consolidation to expansion. The pattern is classic for high-growth payment tech: technical “reset” periods acting as springboards for next-stage rallies.

Fundamental Analysis

Adoption, Strategic Partnerships, and Ecosystem Growth

• End-to-end payment volume up 35% YoY.
• Strategic European expansion via Global Blue—opening lucrative, underpenetrated tax-free/luxury retail segments.
• Active negotiations with Tencent and Alipay project broader cross-border settlement opportunities.
• Market leadership: Positioned as an independent provider in a consolidating US tech/payments sector.

Attractive Relative Valuation

• Market Cap: $8.366B, with a P/E (TTM) of 32.33. While this implies a growth premium, the recent EPS and revenue beats reinforce strong operational leverage.
• No dividend: Enabling full reinvestment into innovation and M&A.
• Beta (1.82): High, but appealing for risk-tolerant investors seeking volatility-driven upside.

Structural Advantages

• Innovation: Best-in-class, omni-channel payment tech.
• Scalability: Billions of transactions annually across diverse verticals.
• Institutional backing: >120% institutional ownership reflects a vote of confidence from deep-pocketed players.

Volume, Liquidity, and Dominance

• Average daily volume: 1.98M shares—ample for large-scale entry/exit.
• Dominance: Top-tier position in high-growth commerce-infrastructure.
• Float: 55.55M shares, active and liquid; high institutional activity provides stability.

Growth Catalysts

• Major protocol updates: Post-acquisition synergies, international product launches.
• Integration: Global Blue expected to be fully consolidated by Q3 2025, possibly unlocking new revenue streams in H2.
• Regulation/adoption: US and EU fintech reforms favor non-bank, platform-driven payment models.
• Expanding TAM: Partnerships with Asian giants could tap into new demographics and high-margin B2B flows.

Investment Strategies

Short-Term Positioning

• Technical pullback entries at/near $87.64 offer asymmetric risk-reward.
• Catalyst trading: Consider pre-acquisition completion or before Q2 earnings, both key catalyst windows with upside skew.

Medium-Term Horizon

• Momentum swing: Reclaiming $98.62 may trigger algorithmic buying and position rebalancing by institutional investors.
• Event-driven: Watch for regulatory breakthroughs or first results from new European operations—potential inflection points.

Long-Term Perspective

• Buy on dips: Persistent innovation, global expansion, and strengthening network effects could drive multi-year compounding.
• Secular trends: Adoption of cashless/payment SaaS dovetails with digital commerce megatrends.

Overall, regardless of horizon, Four’s setup seems to justify renewed attention, with fundamentals and catalysts aligning for broad-based upside across timeframes.

Four — Projected Price Evolution (2025–2029)

Is Now the Time to Consider Four?

Key Strengths Recap:

• Consistent revenue/EPS outperformance relative to consensus, with expanding margins and robust free cash flow.
• Strategic acquisition (Global Blue) cementing European luxury and cross-border potential; future partnerships (Tencent, Alipay) could drive exponential reach.
• Favorable technical posture with strong multi-timeframe support, constructive indicator configuration, and imminent breakout potential.
• Top-tier liquidity, major institutional interest, and a market-leading position in the rapid-growth paytech sector.
• Macro/secular tailwinds from digital transformation, evolving regulatory frameworks, and increasing share of global transactions processed digitally.

Forward-Looking Conviction:

The aggregation of technical, fundamental, and sector-specific momentum justifies serious attention from investors seeking exposure to the next growth cycle in payment technology. With upcoming integration milestones, robust guidance, and a supportive market environment, Four could well be set for its next phase of dynamic appreciation.

Four remains a high-volatility asset offering excellent opportunities for dynamic investment, but demanding prudent risk management. The recent acceleration in price action attests to Four’s ability to deliver swift, powerful gains, even as evolving macroeconomic conditions call for selectivity and strategic timing. Key technical levels to monitor are $87.64 for short-term support and $98.62 as an immediate breakout threshold. The anticipated protocol and platform enhancements, especially following the Global Blue integration slated for Q3 2025, may prove decisive in unlocking future value for Four.

How to buy oven?

Buying Four cryptocurrency online is now simple and secure thanks to regulated platforms available in India. You can purchase Four either through spot trading—where you own the actual coins—or via CFDs (Contracts for Difference), where you speculate on price movements without owning the asset. Each method has unique features and risk profiles, making it important to choose the one best suited to your needs. For a detailed comparison of reputable platforms (fees, security, features), see our guide further down this page.

Spot Purchase

Spot buying Four means directly owning the real Four coins, which are stored in your digital wallet (either on the platform or transferred to your personal wallet for extra security). Most platforms charge a fixed commission per transaction, typically around ₹350 (about €4) when buying in INR.

Example

If the price of Four is ₹7,800 per coin (approx. $94.40 converted into INR), a ₹90,000 investment (about €1,000) enables you to buy approximately 11.54 Four coins. After factoring in around ₹350 of transaction fees, you own the actual coins, which you can hold, transfer, or sell at any time.
✔️ Profit Scenario:
If Four’s price rises by 10%, your holding is worth ₹99,000.
Result: ₹9,000 gain before fees, or +10% on your investment.

Trading via CFD

A CFD (Contract for Difference) allows you to speculate on Four’s price without actually owning the coin. You open a position based on Four’s price direction and can use leverage to amplify exposure. CFD trading fees usually include the spread (the difference between buy/sell prices), plus a daily overnight financing cost if holding your position overnight.

Example

With ₹90,000 and a 5x leverage, you control ₹450,000 worth of Four exposure.
✔️ Profit Scenario:
If Four’s price climbs by 8%, your position gains 8% × 5 = 40%.
Result: ₹36,000 profit on a ₹90,000 investment (before fees).

Final Advice

Before investing, carefully compare fees, spreads, and conditions offered by different Indian platforms. Your choice between spot purchase and CFD trading should reflect your investment goals, risk appetite, and experience. For help choosing, our comprehensive platform comparison tool is available further down this page.

Our 7 tips for buying an oven

The latest news from the oven

Shift4 Payments delivered a strong Q1 2025 performance, beating both revenue and EPS analyst estimates. Revenue grew to $848.3 million, up 19.9% year-over-year, while adjusted EBITDA surged by 38% to $168.5 million, demonstrating robust operational efficiency with a 46% margin. End-to-end payment volume reached $45 billion, up 35% YoY, and EPS was $1.07, outperforming the $0.70 consensus by 53.69%. This performance strengthens investor confidence, including for institutional and retail stakeholders in India, where high-growth, innovation-driven fintech companies attract growing attention.

The acquisition of Global Blue for $2.5 billion is set to expand Shift4's luxury retail payments presence globally. With 96.66% of shares tendered and an expected Q3 2025 closing, this move offers significant strategic synergies. For Indian market participants, the deal signals likely future enhancements in cross-border commerce processing and luxury retail enablement, which are important for domestic payment platforms looking to internationalize or integrate premium shopping experiences.

Raised 2025 guidance and strong analyst consensus point to continued upside for FOUR shares. Management now guides for $1.66B–$1.73B gross revenue (23–28% growth) and $848–$865M adjusted EBITDA (24–28% growth) for the full year, following the integration of new capabilities from the Global Blue deal. The consensus price target is $114.26 per share—roughly 30% above current levels—and analyst opinion is overwhelmingly “Buy.” Investors in India are likely to view Shift4 as a reference point for global digital payment expansion and best-in-class operational scaling.

Technical indicators remain positive overall, supporting a constructive market outlook for the stock. Short-term momentum is strong, with the current price trading above both 20-day and 50-day moving averages, triggering buy signals. The technical consensus remains bullish, with 12 indicators signaling “Buy.” As Indian institutional and high-net-worth investors increase allocations to international technology and payment infrastructure stocks, Shift4’s technical profile enhances its standing in global portfolios.

Shift4’s leadership transition has been managed smoothly, with founder Jared Isaacman returning as Executive Chairman and Taylor Lauber appointed CEO. The quick and clear resolution of the CEO change—prompted by Isaacman’s NASA nomination withdrawal—has preserved strategic clarity. This stability is constructive for global investors, including those in India monitoring governance risk and management quality, given the critical importance of leadership continuity in cross-border, technology-driven financial services.

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.