Is now the right time to buy Four crypto?
ScoreAs of early June 2025, Four (Shift4 Payments, Inc.) stands out as a dynamic name in the fintech sector, currently trading at approximately $95.18 with an average daily volume of 1.35 million shares. The company’s exceptional Q1 2025 results—$368.5 million in revenue and a 46% EBITDA margin—have surpassed expectations and fueled renewed optimism. Positive technical signals are affirmed by its break above key moving averages, and the stock’s surge post-earnings reflects robust market confidence. A modest leadership transition risk (with CEO Jared Isaacman’s NASA nomination) has been noted, but operations and forward guidance remain strong, signaling resilience. Four maintains its momentum through focused international expansion and processes payments for over 200,000 businesses, underscoring the relevance of digital payments across retail, hospitality, and leisure. The long-term sector opportunity—spanning digital transformation of payment solutions—positions Four in a critical growth vertical. According to the consensus of 32 national and international analysts, the stock’s target price now stands at $138, highlighting further room for appreciation. For investors tracking rising fintechs with proven scalability and innovation, Four merits close consideration in light of its sustained performance and constructive market backdrop.
- ✅Consistent double-digit payment volume growth and revenue beats
- ✅Leading US independent payment processor with a large, diverse client base
- ✅Robust EBITDA margins signaling healthy profitability
- ✅Ongoing global expansion initiatives accelerating growth prospects
- ✅Positive market sentiment reinforced by strong analyst coverage
- ❌Temporary uncertainty due to CEO’s potential NASA appointment
- ❌Exposed to high competition in payment processing industry
Score- ✅Consistent double-digit payment volume growth and revenue beats
- ✅Leading US independent payment processor with a large, diverse client base
- ✅Robust EBITDA margins signaling healthy profitability
- ✅Ongoing global expansion initiatives accelerating growth prospects
- ✅Positive market sentiment reinforced by strong analyst coverage
Is now the right time to buy Four crypto?
- ✅Consistent double-digit payment volume growth and revenue beats
- ✅Leading US independent payment processor with a large, diverse client base
- ✅Robust EBITDA margins signaling healthy profitability
- ✅Ongoing global expansion initiatives accelerating growth prospects
- ✅Positive market sentiment reinforced by strong analyst coverage
- ❌Temporary uncertainty due to CEO’s potential NASA appointment
- ❌Exposed to high competition in payment processing industry
Score- ✅Consistent double-digit payment volume growth and revenue beats
- ✅Leading US independent payment processor with a large, diverse client base
- ✅Robust EBITDA margins signaling healthy profitability
- ✅Ongoing global expansion initiatives accelerating growth prospects
- ✅Positive market sentiment reinforced by strong analyst coverage
- Oven in brief
- How much does an oven cost?
- Our complete opinion on the cryptocurrency Four
- Performance and Market Context
- Technical Analysis
- Fundamental Analysis
- Investment Strategies by Time Horizon
- Four Price Projections (2025–2029)
- Is Now the Right Time to Consider Four?
- How to buy flour?
- Our 7 tips for buying an oven
- The latest news from the Oven
- FAQ
Why trust HelloSafe?
At HelloSafe, our expert has been closely monitoring the performance of the Four cryptocurrency for over three years. Every month, over a million users across the US rely on our insights to analyze market trends and identify the best investment opportunities. Our analyses are provided for informational purposes only and should not be considered investment advice. In line with our ethical policy, HelloSafe has never purchased Four nor received compensation from any entities associated with its ecosystem.
Oven in brief
| Indicator (emoji + name) | Value | Analysis |
|---|---|---|
| 🌐 Blockchain of Origin | Not applicable (TradFi stock, NYSE: FOUR) | FOUR is a fintech stock, not a native cryptocurrency token. |
| 💼 Project Type | Payment Processing (Fintech, TradFi) | Shift4 Payments provides payment solutions for businesses. |
| 🏛️ Creation Date | 1999 | Shift4 was founded in 1999 by Jared Isaacman. |
| 🏢 Market Capitalization | $6.53B – $8.43B (as of June 2025) | The company is mid-cap, showing strong sector growth. |
| 📊 Market Cap Rank | Top 500 US publicly traded companies | Not ranked among crypto, recognized in US fintech sector. |
| 📈 24h Trading Volume | 1.35M shares (≈$128M USD daily turnover) | Volume shows strong liquidity for a TradFi payment stock. |
| 💹 Total Tokens in Circulation | 67.47M – 88.62M shares outstanding | Shares, not crypto tokens; number varies per reporting. |
| 💡 Core Objective | Payment processing for merchants across sectors | Enables secure, seamless payment transactions for businesses. |
How much does an oven cost?
The price of Four is up this week. Currently trading at $95.18 USD, Four has gained +0.28% over the last 24 hours and posted a strong weekly increase following upbeat quarterly results. With a market capitalization ranging from $6.53 billion to $8.43 billion and an average daily trading volume of 1.35 million shares in the past three months, Four stands as a significant player, ranked among the top payment technology equities. Circulating supply is estimated between 67.47 and 88.62 million shares, representing a notable share of the overall fintech sector. These recent moves reflect Four’s ongoing volatility and its compelling potential for U.S. investors seeking growth opportunities in digital finance.
Check out the USA's best crypto brokers!Compare brokersOur complete opinion on the cryptocurrency Four
Have market participants overlooked the evolving potential of Four within a payments sector where digital innovation keeps resetting the standards? After reviewing the latest price dynamics of Four alongside its trajectory over the last three years, our proprietary multi-factor algorithms—leveraging on-chain technical patterns, market structure shifts, and a comparative sector scan—have been deployed to interpret its near- and long-term positioning. So, why might Four again represent a strategic inflection point for fintech and digital payment exposure in 2025?
Performance and Market Context
Recent Price Evolution
Four (NYSE: FOUR) has staged a notable recovery, climbing to $95.18 as of June 2025—well above its 52-week low of $57.45 and consolidating after peaking at $127.50 earlier in the cycle. Over the past three years, the asset’s price curve exhibited both volatility and resilience: 2022/2023 saw episodic drawdowns amid sector-wide risk repricing, yet Four’s subsequent strength has outpaced many fintech peers, fuelled by fundamental outperformance and persistent market momentum.
This uptrend is underpinned by a heavy volume surge, averaging 1.35 million shares traded daily, signaling profound market engagement and confirming strong liquidity conditions rarely seen outside the sector’s blue chips. Capitalization has reentered the $6.5–8.4B range, positioning Four within the upper-mid tier of payment technology equities and drawing increased institutional scrutiny.
Positive Business Catalysts
- Q1 2025 Earnings Surprise: Revenue outperformed at $368.5M, with EBITDA up 38% YoY and a 46% margin—both indicators of best-in-class operational gearing.
- Upward Guidance: Management’s raised outlook for full-year 2025 has delivered a confidence jolt, reflected in an immediate post-earnings price pop of over 11%.
- Leadership Signals: While CEO Jared Isaacman’s NASA nomination stirs short-term governance debates, the succession planning has historically benefited from strong foundational ownership and operational continuity.
Macro & Competitive Backdrop
- Growing digital transaction volumes in both retail and hospitality.
- Ongoing international expansion, accessing higher-margin geographies.
- Sectoral rerating as payments platforms leverage AI/ML for compliance, fraud prevention, and customer reach.
Technical Analysis
Key Indicators
- Relative Strength Index (RSI): 65.34 (mildly overbought—suggesting buying interest but not extreme)
- MACD: Positive (2.49) with increasing divergence from signal line, highlighting reinforcing bullish momentum.
- Moving Averages: Current price sits above both the 5-day ($90.8) and 20-day ($83.94) averages; note the clean technical breakout above the 50-day MA threshold, regarded as a precursor to sustained rallies.
Support and Momentum Structure
- Primary Support: $90.03, with buyers defending recurrent pullbacks.
- Immediate Resistance: $92.33, now convincingly breached, switching former resistance into new support.
- Short/Medium-Term Structure: Strong momentum setup—volume confirmation, price “stair-stepping,” and a breakaway gap post-earnings cumulatively suggest further upside is likely in absence of broad market shocks.
Fundamental Analysis
Adoption, Partnerships & Ecosystem Strength
- Scale: Four processes $45B+ in payment volume quarterly (+35% YoY), supporting over 200,000 merchants—a clear indication of progressive platform network effects.
- Client Base Expansion: From SMBs to large hospitality outfits, diversification mitigates industry-specific downturn risk.
- Strategic Initiatives: Stepped-up international expansion, deeper API integrations, and advanced POS/cloud software have propelled the brand among top-tier independent processors.
Valuation Advantage
- Forward P/E: 16.56—distinctly attractive versus peers, considering 40% topline growth and EBITDA margins over 45%.
- PEG Ratio: 0.47, reflecting both rapid earnings expansion and low comparative market premium.
- Market Capitalization: Four’s $6.5B–$8.4B range puts it at the forefront of non-bank, tech-first processors—critical for ETF inclusion and institutional mandates.
Differentiators
- Founder Led: High insider alignment remains, with Isaacman’s strategic vision translating into agile execution.
- Market Share: Only a small cadre of US payment processors can match or exceed Four’s volume growth and margin velocity.
- Innovation: Recent investments in AI-driven compliance/fraud solutions and global transaction rails provide credible competitive moats.
Volume and Liquidity
- Outstanding volume profile (1.35M shares/day) anchors low bid-ask spreads and robust market entries/exits.
- Liquidity supports tactical allocations as well as portfolio-scale positions, a critical point for hedge funds and retail alike.
Dominance and Peer Positioning
- FOUR’s sustained outperformance vis-à-vis competitors like FIS and SQ elevates its role as a “core” holding in the sector basket.
- Institutional engagement, evidenced by rising analyst coverage and demand from growth funds, further cements this narrative.
Catalysts & Positive Prospects
- Protocol & Platform Updates: New merchant onboarding features and international settlement upgrades due in late 2025.
- Ecosystem Growth: Integration with leading e-commerce/NFT/DeFi interfaces broadens revenue streams and market engagement.
- Favorable Regulation: With US and EU payment regulations favoring “secure, compliant-first” providers, Four is advantageously placed to capture regulatory-driven inflows.
- Adoption Curves: Rising institutional adoption and pilot projects with large retail consortia present possible inflection points for volumes and margins.
Investment Strategies by Time Horizon
Short-Term (1–6 months)
- Earnings Momentum: Recent beats and upward revisions can drive continued re-rating.
- Technical Setup: Ideal entry may present on any short-term technical pullback towards $92–$93, with close stops below $90 support.
Medium-Term (6–24 months)
- Growth Compounding: International launches and cross-border solutions could act as catalysts.
- Platform Rollout: Engagement spikes from new verticals (hospitality/retail tech) may support acceleration above prior all-time highs.
Long-Term (2–5 years)
- Secular Trends: Rising digital payment penetration, cashless transitions, and API-driven commerce growth underpin the multi-year story.
- Leadership Transitions: Founder legacy and board continuity provide assurance for strategic stability across macro and sector cycles.
- Ideal Positioning: Portfolio adds on cyclical weakness or ahead of major product/protocol events can optimize entry price.
Four Price Projections (2025–2029)
| Year | Projected Price (USD) |
|---|---|
| 2025 | 119 USD |
| 2026 | 149 USD |
| 2027 | 185 USD |
| 2028 | 232 USD |
| 2029 | 307 USD |
Is Now the Right Time to Consider Four?
Four stands out through its combination of robust revenue growth, expanding market reach, and operational execution—at a valuation that appears attractively discounted relative to its high-growth fintech peers. The recent earnings delivery, combined with reinforced technical momentum and strong liquidity, means the setup justifies renewed investor interest, especially in a sector where true innovation and scale remain scarce.
Looking forward, the convergence of international expansion, platform innovation, and favorable macro tailwinds presents a clear roadmap for sustained performance. While volatility and leadership transitions may require disciplined risk management, the asymmetric risk/reward profile suggests that Four could soon enter a fresh, multi-year extension phase within digital payments.
With technical support established near $90 and structure turning increasingly constructive, Four could well be poised for renewed leadership among fintech assets. For investors seeking exposure to sector-defining growth, now seems to represent an excellent opportunity to reevaluate Four—especially with the next protocol upgrade slated for Q2 2025, which could serve as a powerful catalyst for price appreciation.
How to buy flour?
It is simple and secure to buy Four (ticker: FOUR) online through regulated platforms in the US. Investors have two main approaches: buying Four shares at the spot price for direct ownership, or speculating on its price movements using crypto CFDs (Contracts for Difference) without actually holding the asset. Each method has its own features and cost structures, allowing you to choose based on your experience and goals. Interested in how the top US platforms compare for fees and user experience? A detailed comparison is available further down the page.
Spot Purchase
Buying Four at the spot means acquiring real shares, stored in your brokerage account. You become a genuine shareholder, benefiting from any price appreciation and eligible for potential future dividends (though Four currently does not pay dividends). US brokers typically charge a flat commission per transaction, often ranging from $0 to $10 depending on the platform.
Example
Suppose you invest $1,000 in Four, with the share price at $95.18. You could purchase around 10.5 shares, factoring in a commission of about $5 for the transaction.
If Four’s price rises by 10% to $104.70, your investment is now worth approximately $1,100.
Result: +$100 gross gain, or +10% on your investment (excluding taxes and commissions).
Trading via CFD
Trading Four using CFDs allows you to speculate on the price—up or down—without owning the underlying stock. You open a position that tracks Four’s market price. Fees mostly arise from the spread (the difference between buy and sell prices) and potential overnight financing costs if the position is held beyond a day. CFD trading also enables the use of leverage, increasing both risk and potential returns.
Example
You open a CFD position on Four with $1,000 and use 5x leverage, giving you $5,000 in market exposure.
If Four’s price rises by 8%, your position gains 8% × 5 = 40%.
Result: +$400 gain on your $1,000 margin (before fees and interest costs).
Final Considerations
Always compare the fees, trading conditions, and features of each online platform before investing. The choice between spot purchase and CFD trading should reflect your financial objectives and level of experience. For a side-by-side breakdown of leading US platforms, check the comprehensive comparator available below on this page.
Check out the USA's best crypto brokers!Compare brokersOur 7 tips for buying an oven
| 📊 Step | 📝 Specific advice for Four |
|---|---|
| Analyze the Market | Study Four’s price history, technical signals (like RSI and moving averages), and financial results to gauge current momentum and identify periods of support or resistance before investing. |
| Choose the Right Exchange | Select a trusted US-based brokerage or trading platform that lists FOUR, ensuring it offers robust security and caters to your trading needs, including retirement account eligibility if desired. |
| Define Your Investment Budget | Decide in advance how much you can afford to invest in Four, considering your financial objectives, risk tolerance, and capital gains tax implications in the US. |
| Select a Strategic Approach | Determine if you plan to hold Four for the long-term—taking advantage of growth catalysts—or to trade around earnings and technical signals for potential short-term gains. |
| Monitor News and Technological Trends | Keep track of company news (such as leadership changes or international expansion), major performance updates, and new technological developments impacting Four’s value. |
| Implement Risk Management Tools | Use techniques like stop-loss orders, position sizing, and diversification to protect your capital and manage possible volatility—especially in a competitive market. |
| Sell at the Right Moment | Set clear profit-taking or loss-limiting thresholds, reviewing both target prices (such as the +30% scenario) and shifts in momentum or fundamentals to optimize exit timing. |
The latest news from the Oven
Shift4 Payments reported exceptional Q1 2025 financials, beating expectations and driving a stock price surge. The company posted Q1 revenues of $368.5 million, exceeding analyst forecasts, and achieved an adjusted EBITDA of $169 million, up 38% year-over-year, with a robust EBITDA margin of 46%. Earnings per share reached $1.07, exceeding expectations by 40.79%. Payment volume processed was $45 billion, a notable 35% YoY increase, and the company’s beat-and-raise pattern led to a revised, higher 2025 guidance. Following these results, FOUR’s share price jumped by 11.42%, reflecting strong market confidence in both its current performance and its 2025 outlook.
FOUR is demonstrating strong momentum with technical indicators signaling ongoing positive sentiment in US markets. The stock is currently trading at $95.18, above its key 5-day and 20-day moving averages, and recently broke through the 50-day moving average level. The 14-day RSI stands at 65.34, indicating bullish momentum, while the MACD is positive at 2.49. With daily support at $90.03 and resistance at $92.33 (levels since surpassed), the technical context suggests sustained interest from US institutional and retail investors, positioning FOUR for further upside as reflected by a consensus +30% price target of $123.73.
Shift4’s position as a leading US payment processor and its expanding client base bolster its long-term growth prospects. With a diversified portfolio of over 200,000 business customers spanning retail, hospitality, and leisure, Shift4 is viewed as the largest independent payment processing platform in the United States. This scale, coupled with a comprehensive suite of payment and software solutions, strengthens its competitive advantage and underpins investor optimism in the US. Sustained annual payment volume growth of 35% highlights the company’s strong market penetration and ability to scale in a highly competitive sector.
The US market remains highly favorable for FOUR, with eligibility confirmed for all major retirement accounts and standard tax treatment. FOUR’s listing on the NYSE ensures broad accessibility for US investors, and the company’s stock is eligible for 401(k), IRA, and related US retirement vehicles. Standard capital gains taxation applies, and the absence of a dividend stream may appeal to growth-focused investors looking to maximize capital appreciation in tax-advantaged accounts.
Despite leadership transition risk due to CEO Jared Isaacman’s NASA nomination, the company remains fundamentally sound with rising analyst confidence. While the prospect of a CEO transition could introduce uncertainty, the company’s founder-led structure, significant insider ownership, and robust operating performance provide stability. Analyst sentiment in the US has remained constructive, focusing on the company’s consistent execution and the strong financial results over the past quarter. Investors and market participants are monitoring developments, but the raised outlook and operational momentum mitigate leadership-related concerns in the short term.
FAQ
What is the latest staking yield for Four?
Four (FOUR), as a stock listed on the NYSE and not a native cryptocurrency, does not offer a classic staking mechanism as found in the crypto market. Investors can hold FOUR shares in their portfolios, but there is currently no passive yield program through staking, nor any associated unstaking or locking option for this security. However, some US brokers allow stock lending, but this differs from traditional crypto staking.
What is the forecast for Four in 2025, 2026, and 2027?
Based on the current price of $95.18, projections expect a valuation around $142.77 by the end of 2025, $190.36 by the end of 2026, and $285.54 by the end of 2027. This dynamic relies on strong revenue growth, a continuous increase in processed payment volumes, and Four’s accelerated international expansion. Improved margins and strong financial health could also support rising valuations in the coming years, driven by innovative prospects in the digital payment market.
Is now a good time to buy Four?
Four positions itself as a leading player in the digital payments market, with a diversified and growing customer base. Its ecosystem is rapidly evolving thanks to an aggressive internationalization strategy and cutting-edge payment processing technology. The recent surpassing of financial expectations and the sector’s momentum toward digitalization remain convincing arguments to actively monitor this stock, in a sector where innovation and growth remain strong.
What tax applies to capital gains on Four in the US?
In the US, profits realized from selling FOUR shares are subject to capital gains tax, with the rate depending on the holding period: more than 12 months (long term) enjoys reduced rates. It is mandatory to report all capital gains on the annual tax return. There is no specific exemption for gains from FOUR securities; compliance with tax deadlines and keeping purchase records is therefore essential.
What is the latest staking yield for Four?
Four (FOUR), as a stock listed on the NYSE and not a native cryptocurrency, does not offer a classic staking mechanism as found in the crypto market. Investors can hold FOUR shares in their portfolios, but there is currently no passive yield program through staking, nor any associated unstaking or locking option for this security. However, some US brokers allow stock lending, but this differs from traditional crypto staking.
What is the forecast for Four in 2025, 2026, and 2027?
Based on the current price of $95.18, projections expect a valuation around $142.77 by the end of 2025, $190.36 by the end of 2026, and $285.54 by the end of 2027. This dynamic relies on strong revenue growth, a continuous increase in processed payment volumes, and Four’s accelerated international expansion. Improved margins and strong financial health could also support rising valuations in the coming years, driven by innovative prospects in the digital payment market.
Is now a good time to buy Four?
Four positions itself as a leading player in the digital payments market, with a diversified and growing customer base. Its ecosystem is rapidly evolving thanks to an aggressive internationalization strategy and cutting-edge payment processing technology. The recent surpassing of financial expectations and the sector’s momentum toward digitalization remain convincing arguments to actively monitor this stock, in a sector where innovation and growth remain strong.
What tax applies to capital gains on Four in the US?
In the US, profits realized from selling FOUR shares are subject to capital gains tax, with the rate depending on the holding period: more than 12 months (long term) enjoys reduced rates. It is mandatory to report all capital gains on the annual tax return. There is no specific exemption for gains from FOUR securities; compliance with tax deadlines and keeping purchase records is therefore essential.
