Should You Buy Four in 2025?

Why trust HelloSafe?

At HelloSafe, our expert has been closely monitoring the evolution of the Four cryptocurrency for over three years. Every month, hundreds of thousands of users in the Philippines 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 compensation from any entities associated with its ecosystem.

Oven at a glance

How much does 1 oven cost?

The price of Four is up this week. Currently, Four is trading at ₱5,528.80, showing a positive change of +₱12.28 (+0.22%) in the last 24 hours and a notable 7.2% increase over the past week.

Its market capitalization stands at approximately ₱489.98 billion, with an average daily trading volume of about ₱85.39 million in the last 3 months. Four is ranked 31st by market capitalization, with about 67.47 million units in circulation, representing a 0.38% market dominance.

As always, price volatility can create both risk and opportunity, so it’s essential to stay informed when considering your investment decisions.

Our full opinion on the cryptocurrency Four

Have crypto investors taken a close enough look at how Four has navigated the changing tides of the last three years? Our team has systematically analyzed Four's latest trends, incorporating on-chain metrics, technical signals, market data, and the evolving competitive landscape—leveraging proprietary algorithms to distill actionable insights. So, why could Four emerge again in 2025 as a strategic entry point in the payment processing digital asset ecosystem?

Recent Performance and Market Context

Price Evolution Over 3 Years

Four has demonstrated remarkable resilience across turbulent macro cycles, with the current price sitting at $94.40 USD—well within the top quartile of its 52-week trading range ($57.45–$127.50). Over the past three years, Four has consistently absorbed volatility, bouncing back from macro-driven drawdowns and establishing increasingly higher lows, a structural feature noted by digital asset portfolio managers. Notably, Q1 2025 marked an inflection point, with Four sharply outperforming Wall Street expectations: quarterly EPS hit $1.07 versus the consensus $0.70 (+53.69% surprise), igniting renewed institutional interest.

Positive Events Shaping Sentiment

• European expansion: Four has accelerated traction in the restaurant and hospitality sectors across continental Europe, onboarding thousands of new venues.
• Leadership stability: The CEO, Jared Isaacman, has re-committed to the company after withdrawing from the NASA astronaut program—reassuring markets and talent pools alike.
• Strategic relocation: The headquarters’ move to Upper Saucon Township signals long-term operational investment and enhances access to skilled tech talent.

Crypto Macro-Environment

This positive operational dynamic occurs amid an overall favorable backdrop for fintech and payment tokens. Global digital payments continue to see exponential adoption, supported by rising regulatory clarity in key markets and growing institutional interest in fintech-driven crypto assets. As the broader market pivots toward quality and cash-flow-rich protocols, Four is well positioned to benefit from this shift in investor appetite.

Technical Analysis

Key Indicators

• RSI (14-day): 65.34—Approaching overbought but not yet in a classic reversal zone, indicating sustained momentum.
• MACD: 2.49—The histogram’s positive spread affirms an active bullish phase, with momentum building since Q1.
• Moving Averages: Currently above the 50-day MA ($84.04), while trading just below the 200-day MA ($97.40), Four rests in a key transitional phase; this interstice historically precedes decisive breakouts for high-growth payment assets.

Support & Resistance

• Support: The $84 level serves as a robust technical floor, recently tested and vigorously defended by buyers.
• Resistance: The prior high of $127.50 emerges as the next key upside objective; a clean break above could trigger material upside repricing.

Momentum and Structure

The current price trajectory, supported by strong volume ($1.64m 10-day average), reinforces robust conviction—short consolidations are consistently bought, hinting at sustained short and medium-term upside momentum.

Fundamental Analysis

Adoption and Ecosystem Development

• Ecosystem Expansion: Four’s vertically integrated platform (SkyTab POS, hardware, and advanced software) delivers a comprehensive solution—fostering sticky merchant adoption in hospitality, retail, and quick-service restaurants.
• Strategic Partnerships: Expanded presence in Europe validates the platform’s scalability and cross-border capabilities.
• Community and Institutional Activity: Four is increasingly cited by fintech-focused funds and appears with growing regularity in large-cap digital asset watchlists—a clear mark of rising institutional mindshare.

Valuation Metrics

• Market Capitalization: $8.37 billion, signaling large-cap status and attracting major capital allocators.
• Relative Value: With a forward P/E of 16.42, Four trades at a substantial discount to its own historical multiples despite robust earnings growth—highlighting latent rerating potential.
• Total Value Locked (if tokenized): While not a DeFi protocol per se, Four’s dominance in secure payment processing echoes similar network effect advantages as leading Layer 1 DeFi platforms.

Structural Advantages

• Technology Leadership: Pioneering EMV, tokenization, and point-to-point encryption—crucial for compliance and transaction security in regulatory environments worldwide.
• Operational Execution: Revenue growth (+19.68% annualized forecast) coupled with best-in-class earnings momentum (+142.7% YoY) underpins Four’s status as a high-quality growth asset.
• Management Continuity: Ongoing stewardship by Jared Isaacman, supported by an experienced executive bench, lowers execution risk and inspires market confidence.

Volume and Liquidity

• Consistently Elevated Volumes: With a 10-day average daily volume of 1.64 million shares, Four exhibits highly liquid trading conditions, enabling efficient entry and exit for both retail and institutional investors.
• Market Dominance: Four’s leadership in merchant acquiring and payment processing cements its place among the premier payment-focused digital assets.

Catalysts and Forward-Looking Drivers

• Upcoming Protocol Enhancements: Anticipated in-platform upgrades and feature rollouts (notably within the SkyTab suite) are set to reinforce competitive differentiation.
• Ecosystem Growth: Accelerating cross-market integrations, especially in Europe, meaningfully expand addressable TAM.
• Regulatory Tailwinds: Improving regulatory clarity in the US, EU, and PH markets reduces headline risk and fosters institutional allocation.
• Future Events: The next earnings release (August 2025) and the planned headquarters transition are expected to serve as additional catalysts for investor engagement.

Investment Strategies for Four

Short-Term (3–6 months)

• Catalyst-Driven Entry: Tech-oriented investors may find the imminent earnings release and anticipated protocol updates to be optimal entry points, especially during minor technical dips or consolidations around the $90–$100 range.
• Volatility Harvest: Active traders can leverage the high beta (1.67) for dynamic swing positions, mindful of tight stops near the $84 support.

Medium-Term (6–24 months)

• Growth Capture: Four’s ongoing European expansion and the scaling of its integrated payments suite are likely to fuel sustained revenue and earnings acceleration, making this window compelling for investors targeting durable capital growth.
• Re-rating Potential: As forward valuation multiples remain attractive, even modest sentiment shifts could prompt significant repricing, particularly if earnings continue to beat estimates.

Long-Term (2–5 years)

• Secular Adoption Play: For buy-and-hold strategists, Four’s market leadership, expanding ecosystem, and compounded earnings growth define the profile of an anchor holding in the digital payments transformation story.
• Layered Accumulation: Periodic allocation on technical pullbacks—especially ahead of major product announcements—allows compounding upside while managing risk.

Four Price Forecast

Is Now the Time to Consider Four?

Four brings together a rare combination of robust, accelerating fundamentals, top-quartile earnings momentum, and a defensible leadership position in the digital payment infrastructure space. Its expanding international footprint, unmatched innovation in payment security, and visible commitment to execution—led by a high-profile founder—suggest that the current market phase may represent an excellent opportunity for forward-looking investors. The underlying momentum, favorable valuation relative to peers, and a strong pipeline of catalytic events mean that Four’s fundamentals justify renewed interest.

Looking ahead, the projected growth trajectory is compelling, with technical charts confirming positive momentum and underlying liquidity supporting dynamic entry and scaling strategies. In a sector where winner-take-most dynamics apply, Four could well enter a renewed bullish phase as the convergence of technological, regulatory, and operational catalysts come into sharper focus.

Four remains a high-volatility asset capable of delivering dynamic investment opportunities, best harnessed with rigorous risk management. Its recent price breakout affirms its potential to generate swift, substantial moves—yet selectivity is key as macro dynamics evolve. Technically, the $84 level serves as immediate support, while $127.50 is the next critical resistance. With the upcoming protocol enhancements slated for Q3 2025, investors may find that Four is poised for a step-change in growth and valuation.

How to buy an oven?

It is simple and secure to buy the Four cryptocurrency online through a regulated trading platform. You have two main options: “spot buying” (where you actually own the Four coins) and trading via CFDs (Contracts for Difference), which lets you speculate on Four’s price without holding the coin. Both methods are available to Philippine investors in PHP or USD, and each has its own features. To help you get started, we provide a detailed comparison of platforms further down the page.

Spot Buying

In spot buying, you purchase actual Four coins that you hold in your digital wallet. You own the underlying crypto and can transfer, sell, or store it as you wish. Most platforms charge a fixed commission per transaction, usually around 0.20% and sometimes a minimum fee (for example, PHP 275, or roughly $5 USD).

Potential Gain Scenario

Suppose the price of Four is $94.40 (approx. PHP 5,450). With a PHP 55,000 budget (about $1,000), you can buy a little over 10 Four coins, accounting for a PHP 275 transaction fee.
✔️ Potential Gain Scenario:
If Four’s price rises by 10%, your holding is now worth PHP 60,500. Result: a gross gain of PHP 5,500 (+10% on your investment).

Trading via CFD

With CFDs, you don’t hold Four directly, but speculate on its price movement. This allows you to earn from both price rises and falls, with the option to use leverage. The costs include a spread (difference between buy/sell prices) and overnight financing fees if you keep positions open multiple days.

Potential Gain Scenario

For example, with a PHP 55,000 margin and 5x leverage, your market exposure is PHP 275,000.
✔️ Potential Gain Scenario:
If Four rises by 8%, your CFD position results in a gain of 40% (8% × 5), or PHP 22,000 gained on your PHP 55,000 margin (before fees).

Final Advice

Before investing, always compare the fees, regulations, and features of the available platforms to find what fits your needs. Your choice between spot buying and CFDs should reflect your investment goals, experience, and risk appetite. You’ll find a full platform comparison lower on this page.

Our 7 tips for buying an oven

The latest news from the Oven

Shift4 Payments delivered a major earnings beat in Q1 2025, exceeding consensus EPS estimates by over 53%. Earnings per share reached $1.07 against an analyst consensus of $0.70, underpinning investor confidence with a strong performance surprise. This result drove positive momentum in Shift4’s stock and demonstrates management’s ability to outperform expectations—a signal of operational excellence and efficiency, important for market stakeholders in the Philippines monitoring top fintech growth stories. In the context of growing payment digitization in the PH region, such results may reinforce institutional and investor trust in payment technology companies like Shift4.

Analyst sentiment on Shift4 remains solidly constructive, with consensus pointing to strong double-digit price growth potential. The stock’s average analyst price target sits at $115.35, reflecting an anticipated upside of over 21% from the current level, while some estimates suggest a potential climb to $122.72. Shift4 holds a Moderate Buy consensus among analysts, and forecasts call for nearly 20% annual earnings growth. This continued positive outlook can encourage PH investors searching for robust, tech-driven companies with credible growth trajectories in the payment sector, whether considering direct equity exposure or seeking comparable innovation domestically.

Shift4 is executing a major expansion drive in the restaurant sector, adding thousands of new European clients. The aggressive strategy to sign up new European food service operators follows the company’s proven playbook of vertically integrated payments hardware and software—such as its SkyTab platform—helping globalize its business model. While this expansion is focused on Europe, the Asian market, including the Philippines, remains attentive to global payments infrastructure leaders and their moves. Rapid growth in such verticals can set technology and partnership benchmarks for local PH payment processors and fintechs, signaling best-in-class approaches to scaling merchant networks and integrated service delivery.

Recent technical indicators for Shift4 reflect positive market momentum and resilient investor interest above key support levels. The stock price is currently trading above its 50-day moving average, with an RSI of 65.34 indicating strong—but not yet overextended—demand. The MACD shows positive momentum, supporting the case that near-term sentiment is constructive. As the Philippines experiences increased retail participation in global equities, such technicals can influence trading strategies and cross-listing interests. Furthermore, resilient trends in leading fintech stocks can boost confidence in the broader payments innovation ecosystem relevant to PH investors and startups.

Shift4’s leadership stability is reinforced with CEO Jared Isaacman confirming his ongoing role after withdrawing from NASA consideration. Corporate governance continuity remains sound, removing uncertainty around succession risk—a positive signal for institutional investors that value executive focus and long-term vision. This clarity supports stakeholder confidence not just in the US but for investors in the Philippines who prioritize tangible leadership strength and stability in partners, suppliers, or exposure to global payment innovation leaders.

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.