Should You Buy Four in 2025?

Why trust HelloSafe?

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 Canada 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 accordance with our ethical charter, HelloSafe has never purchased Four, nor received any 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. At $94.71 CAD, Four has seen a +0.28% move over the past 24 hours and a strong +4.45% rise in the last seven days. Its market capitalization stands at approximately $8.39 billion CAD, with an average three-month trading volume of around 1.98 million shares. Four currently ranks among the top financial technology equities, with the full circulating supply available on the market and representing a notable 0.42% market dominance in its segment. Given recent performance and ongoing volatility, Four remains an active choice for investors interested in the dynamic digital payments sector.

Our full opinion on the Four cryptocurrency

Have the latest trends for Four, along with its evolution over the last three years, signaled a major inflection point for forward-looking investors? Leveraging proprietary algorithms, we've synthesized diverse analytical layers—including on-chain data, technical signals, market structure and a detailed competitive scan—to distill real insights on the strategic posture of Four within the digital payments landscape. So, what could make Four a renewed strategic entry point in the fintech/payments ecosystem as early as 2025?

Recent Performance and Market Context

Price Evolution and Market Position

In the last twelve months, Four has delivered a robust +34.26% return, decisively outperforming most digital payment peers and technology indexes. Over a five-year period, its price has soared an impressive +186.12%, reflecting persistent investor confidence and an agile response to shifting sector demand. After marking a new 52-week high at $127.50, Four now consolidates above historically solid support levels ($88.93/$90.34), closing at $94.71 as of June 4, 2025—well above its YTD average and retaining strong technical posture.

Recent Positive Events

• Q1 2025 Results: Record revenue of $848.3M (+19.9% YoY), significant EPS outperformance ($1.07 vs. $0.67 expected), and adjusted EBITDA up 38% YoY.
• Strategic Acquisitions: The announced takeover of Givex positions Four for deeper penetration in the global payment and loyalty ecosystem, unlocking high-potential cross-selling vectors.
• Leadership Consistency: Founder-CEO Jared Isaacman’s continued involvement following the withdrawal of his NASA nomination reaffirms strategic continuity.
• Sector Recognition: Winning major clients in hospitality and entertainment strengthens Four’s franchise in verticals resilient to macro uncertainty.

Macro & Sectoral Tailwinds

• Accelerated digitization of commerce and continued cashless trend adoption, post-pandemic.
• Ongoing institutional embrace of fintech rails and blockchain-backed payment infrastructures.
• Global expansion opportunities, especially as regulatory clarity improves for payments and fintech in North America and Europe.

Technical Analysis

Key Crypto/Market Indicators

• RSI (14D): 65.34 (neutral, but at the threshold of a bullish surge—suggesting potential upside breakout if momentum holds).
• MACD: 2.49 (mildly cautious; possible brief consolidation in the near term, but not a structural downtrend).
• Moving Averages: All major SMA (20, 50, 100, 200 days) signal a Buy, confirming that Four maintains a structurally positive trend, with price trading above all critical medium- and long-term averages.

Supports, Reversal & Momentum

• Support: $88.93, $90.34 and $92.56 defined as strong demand zones—recent pullbacks have been repeatedly bought here, reinforcing bullish sentiment among sophisticated market participants.
• Resistance: $96.19, $97.60, $99.82—levels to monitor for upside acceleration.
• Structure: Underlying trend remains bullish in the medium term; momentum and breadth suggest accumulation phases, rather than exhaustion—a favorable set-up for tactical positioning.

Fundamental Analysis

Adoption, Partnerships, Ecosystem

• User & Merchant Base: Four now processes over $45B in payment volume (+35% YoY), serving hundreds of thousands of merchants across diversified sectors.
• Strategic Partnerships: Deepened alliances with leading merchants and enhanced product set via Givex deal, creating synergies across payment tech, loyalty and data analytics.
• Ecosystem Maturity: Four’s expanding international presence and product stack enable unique integration for enterprise and SMB clients, driving stickier adoption.

Valuation and Structural Advantages

• Attractive Relative Valuation: Despite a robust forward P/E (32.4x), Four’s +40% YoY gross profit growth and expanding EBITDA margin amplify its premium as a growth leader.
• Market Cap: $8.39B—establishes Four as a credible mid-cap, offering both scalability and healthy liquidity (average daily turnover close to 2 million shares).
• Innovation & Differentiation: Four’s vertically integrated payment solutions, coupled with proprietary tech, data-driven services, and proven management, differentiate it in a rapidly consolidating sector.

Volume and Liquidity

• Liquidity Profile: Consistently high volumes reinforce institutional confidence and facilitate robust price discovery, reducing frictions for both short-term traders and long-term allocators.
• Dominance: Four is now widely recognized among top U.S.-listed fintechs, underpinned by a multi-pronged revenue model and broad vertical reach.

Catalysts & Positive Outlook

• Product/Protocol Upgrades: Ongoing platform enhancements, post-Givex acquisition, bolster real-time analytics and data monetization capability.
• Ecosystem Expansion: Growing SaaS partnerships and embedded finance offerings widen TAM.
• Regulatory/Institutional Adoption: Sector has benefitted from recent positive regulatory signals, increasing comfort among institutional allocators.
• M&A Potential: As one of the most innovative mid-caps in fintech, Four could attract further strategic interest or become a consolidator in its own right.

Investment Strategies According to Horizon

Short-Term (Next 3-6 Months)

• Momentum Play: Four’s bullish technical configuration makes pullbacks to support (ideally $92.50–$94) attractive for nimble entries; strong earnings momentum and anticipated Q2 updates could fuel near-term upside bursts.

Medium-Term (6–18 Months)

• Growth Catalyst Approach: The full integration of Givex, amplified cross-selling potential, and further international diversification support a scenario of continued revenue and margin expansion. Positioning ahead of key ecosystem launches, especially in Europe and APAC, could be optimal.

Long-Term (2–5 Years)

• Structural Compounder: Four’s proven track record of double-digit growth, scalable tech platform, and robust cash generation (free cash flow conversion at 42%) positions it as a core holding for those with a multi-year digital payments/risk-assets thesis. Strategic patience through volatility may unlock outsized returns as the company scales further.

FOUR Price Forecast

Is Now the Right Time to Consider Four?

Four’s fundamentals justify renewed interest from investors aiming to gain exposure to the ongoing digitization of payments and commerce—a structural megatrend unlikely to reverse. On both technical and fundamental grounds, Four could well be on the verge of a new bullish cycle: robust earnings beats, strategic M&A, expanding margins, and a leadership team fully focused on execution all reinforce its high-conviction profile.

Recent price action, strong institutional flows, and high liquidity suggest an excellent opportunity for tactical and strategic positioning—particularly on any temporary pullback or ahead of the upcoming product cycles. The combination of significant growth levers, a leading position in a rapidly expanding sector, and upwardly revised guidance distinguishes Four from its peers.

Ultimately, Four remains a high-volatility asset offering dynamic investment opportunities, supported by a foundation of accelerating results and sectoral tailwinds. Technical levels to monitor include $92.50 as immediate support and $99.80 as the next medium-term trigger. The anticipated post-acquisition product launches, scheduled for Q2 2025, could serve as decisive catalysts for Four’s future momentum. For disciplined investors, Four stands out as a fintech asset whose growth credentials and strategic execution seem poised for a new phase of outperformance.

How to buy bread?

It is easy and secure to buy the Four cryptocurrency online via regulated platforms accessible in Canada. Two main methods are available: purchasing Four directly on the spot market (where you truly own the coins), or trading via crypto CFDs (contracts for difference), letting you speculate on the price without owning the asset. Each approach has its advantages, and it’s essential to choose based on your experience and objectives. Below, you’ll find a straightforward comparison of the best Canadian platforms to help you get started.

Spot Purchase

Buying Four “on the spot” means you acquire real Four coins, which are then stored in your personal crypto wallet—giving you full ownership and control. Most Canadian platforms charge a fixed commission per transaction, usually ranging from 0.5% to 1.5%.

Profit scenario

For example, if Four is trading at $94.71 CAD per coin, a $1,000 CAD investment (minus a typical $5 CAD fee) lets you buy about 10.5 Four coins.
Profit scenario:
If the value of Four increases by 10%, your holding is now worth $1,100 CAD. This equals a gross gain of $100 CAD, or +10% on your original investment.

CFD Trading

With CFDs (contracts for difference), you don’t own the actual Four coins. Instead, you open a position on the price’s rise or fall via an online broker. Fees here include both a “spread” (the difference between buy/sell prices) and, if you hold the position overnight, daily financing charges.

Profit scenario

Suppose you invest $1,000 CAD using 5x leverage: this gives you exposure to $5,000 CAD worth of Four.
Profit scenario:
If Four’s price climbs by 8%, your position gains 8% × 5 = 40%. You make a $400 CAD profit on your $1,000 CAD invested (before platform fees and overnight financing).

Final Advice

Before investing, always compare the fees and terms of each platform. Some are better adapted to spot buying, others to leveraged CFD trading. The best approach depends on your risk appetite, investing goals, and experience. For a detailed comparison of trusted platforms in Canada, refer to the comprehensive table further down the page.

Our 7 tips for buying an oven

The latest news from the Oven

Shift4 Payments (FOUR) delivered a standout Q1 2025, with both revenue and adjusted EPS far exceeding analyst expectations. The company reported total revenue of $848.3 million, demonstrating a year-on-year increase of 19.9%, and adjusted EPS of $1.07, which beat estimates by nearly 60%. This positive surprise—earnings and revenue beats of 50.7% and 6.9%, respectively—has fueled market confidence and led management to raise full-year 2025 guidance. These results are particularly relevant for Canadian investors tracking US tech stocks, as Shift4 is a top performer in the global payments technology sector, reinforcing sector momentum that resonates with Canadian fintech peers and portfolio managers.

Technical signals for FOUR remain decisively bullish, with the stock trading above all key moving averages and consensus rating at 'Buy'. Despite some near-term caution suggested by oscillators (RSI at 65.34 and a MACD sell signal), the upward momentum is supported by strong buy signals from the 20-, 50-, 100-, and 200-day SMAs. The stock gained 4.45% over the past week, and its 1-year appreciation stands at over 34%. Analysts set the average target price at $114.26, implying a further 30% upside. Canadian institutional investors and retail traders following technical frameworks may find these strong trends particularly relevant given the cross-border presence of Shift4 on popular platforms available in Canada.

Strategic expansion and acquisition activity, notably the purchase of Givex, position Shift4 for further international and sectoral growth. The Givex acquisition is set to enhance Shift4’s product suite and cross-sell capabilities, key to penetrating new markets and verticals—including hospitality and entertainment, two sectors with high growth and Canadian representation. Combined with growing international ambitions, this strategy might soon see more direct Canadian business partnerships or operations, and underscores a trend toward North American payments ecosystem consolidation that bodes well for both Canadian and US market participants.

Leadership continuity has been reaffirmed, with CEO Jared Isaacman returning his full focus to the company following a withdrawn NASA nomination. Isaacman's renewed engagement is viewed positively by analysts, who see his visionary guidance as critical to maintaining Shift4’s pace of innovation and transformative growth. For Canadian stakeholders monitoring executive stability and founder-led tech companies, this development provides additional reassurance, especially amid broader North American tech sector volatility.

Shift4's financial health is robust, maintaining strong cash reserves and profitability, which reinforce operational security and growth prospects. With $1.17 billion in cash, consistent double-digit revenue growth, and rising adjusted EBITDA, the company stands well-positioned to weather market fluctuations. These fundamentals—along with high liquidity and no current dividends, supporting reinvestment in innovation—present an appealing risk-return profile for Canadian funds and individuals allocating to growth-focused, US-listed payment technology names.

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.