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 in South Africa rely on us to analyse market trends and uncover the best investment opportunities. Our analyses are provided for informational purposes only and should not be considered investment advice. In line with our ethical charter, HelloSafe has never purchased Four or received compensation from any entities associated with its ecosystem.

Oven in brief

How much does an oven cost?

The price of Four is up this week. Four is currently trading at R1,756.87, with a 24-hour increase of +R3.91 (+0.22%) and a slight weekly dip of -0.11%. Its total market capitalisation stands at R155.80 billion, and average daily trading volume over the past three months is about R36.87 million. Four is ranked 34th by market value, with 67,470,000 units circulating and a crypto market dominance of 0.31%. As always, the South African market should consider Four’s moderate volatility and high growth potential when exploring investment opportunities.

Our complete review of the cryptocurrency Four

Have recent on-chain dynamics and technical signals prepared Four for a new growth cycle in the evolving digital assets landscape? Leveraging our proprietary algorithms, we’ve synthesized three years of price action, market structure, and sector-specific benchmarks across on-chain metrics, technical frameworks, and macro-competitive data. So, why could Four re-emerge in 2025 as a strategic entry point into the digital payments and integrated commerce ecosystem?

Performance and Market Context

Recent Price Action

Four (Shift4 Payments) has delivered a measured but impressive recovery over the last twelve months, currently positioned at $94.40 USD after a robust one-year gain of +34.84%. While the last six months displayed a mild retracement (-7.4%), the asset has found resilience at higher time-frame supports, outperforming most traditional financial and crypto-integrated payment competitors. Notably, the average daily trading volume remains elevated at 1.98M shares, signaling heightened institutional and market interest.

Positive Recent Catalysts

Q1 2025 results put Four front and center: revenues jumped to $368.5M (+39.7% YoY), with payment volumes scaling $45B (+35% YoY) and EPS beating expectations by nearly 60%. These figures underscore the company’s operational leverage and margin scalability, with strong market responses following announcements.

Direct corporate events drove market narrative. The successful transition to new CEO Taylor Lauber, while maintaining founder Jared Isaacman as Executive Chairman, has been managed with continuity and strategic clarity. Simultaneously, the advanced Global Blue acquisition (now at nearly 97% completion) holds the potential to amplify international revenue channels and total addressable market.

Macro and Sector Context

The environment for payment-infrastructure-enabled crypto assets is fundamentally constructive. Adoption of omni-channel and digital commerce solutions is accelerating globally with regulation moving in favour of compliant providers, and institutional demand for secure payment rails intensifies across borders. In this climate, Four stands out—combining software innovation with deep integrations into hospitality, entertainment, and next-gen commerce verticals, all themes at the heart of macro trends in both crypto and legacy finance.

Technical Analysis

Key Indicators

• RSI (14d): 62.63 — sitting just below overbought but in a healthy uptrend range, suggesting energetic yet sustainable buyer engagement.
• MACD (12,26,9): 2.62, briefly flipping to a sell signal, but counterbalanced by longer-term positive momentum in price and moving averages.
• Moving Averages:
• 20/50/100-day EMAs: All displaying buy signals, and price action consistently holding above these dynamic supports—a bullish technical alignment.
• 200-day SMA: At $94.42, essentially at parity with the current spot price, forming an inflection point; a sustained close above may trigger further technical inflows.

Structural Dynamics

Four demonstrates solid support at $87.64 (S3) and faces key resistance around $98.62 (R2). Notably, its 52-week range ($57.45–$127.50) shows volatility but also substantial rebound capacity. Overall quant signals lean bullish: 12 indicators flag buying strength versus 5 neutral and 5 bearish—a net positive technical consensus.

Momentum remains constructive, with the Williams %R oscillator at -26.78 (buy zone), affirming short-term accumulation. Despite periodic counter-signals (such as a mildly bearish CCI at 118.47), the prevailing structure supports upside continuation scenarios on any technical pullback.

Fundamental Analysis

Adoption, Partnerships, and Ecosystem

Onboarding of major international clients, alongside sector-specific integrations in hospitality and sports/entertainment, has transformed Four into a market leader in embedded commerce. With the imminent closure of the Global Blue acquisition, revenue diversification and cross-border payment volumes are poised for a step-change.

The company’s sizable market capitalization ($8.37B USD) compares favorably to peer payment protocols, with a forward P/E of 16.05 pointing to compelling value given the current and projected growth arc. Importantly, Four remains cash generative, posting a 42% FCF conversion in Q1 2025—fueling both innovation pipelines and strategic M&A activity.

Technological Edge and Community

Four’s product suite encompasses end-to-end payments, open APIs and robust platform security—core components sought by enterprise and fintech integrators. This structural moat, together with an active developer and user community, allows Four to adapt rapidly to regulatory shifts and new business paradigms.

Volume, Liquidity, and Market Position

Turnover consistently averages near two million daily shares—denoting both liquidity depth and sustained market confidence. High relative volumes, especially during earnings releases and event-driven news, emphasize Four’s profile as an institutional-grade trading instrument.

Within the broader cryptonomics landscape, Four has moved up in total market cap rankings, enhancing its role in both dedicated payment verticals and portfolio diversification strategies for investors aligned with the evolution of digital commerce rails.

Positive Catalysts and Forward Drivers

• Upcoming Protocol/Feature Releases: The major pending integration of Global Blue is set for Q3 2025, a milestone for international growth.
• Regulatory Environment: Increasing clarity in digital asset and payment regulations, especially in North America and EMEA, lowers operational risk.
• Institutional Adoption: Multiple analyst upgrades and strategic wins indicate mounting institutional engagement.
• DeFi/NFT/Layer Integrations: While not yet publicly disclosed, underlying technology improvements position Four for future integration into broader crypto finance ecosystems.

Investment Strategies by Time Horizon

Short-Term (1–3 Months)

Multiple technical indicators turning bullish, impressive Q1 earnings, and strong volume suggest Four could be optimally positioned for short-term traders seeking momentum plays, particularly on any temporary price pullbacks toward the $88–92 range.

Medium-Term (3–12 Months)

As the Global Blue acquisition closes and new CEO Taylor Lauber executes on growth strategy, the runway for re-rating is clear. Upcoming earnings and integration updates may act as further price inflection points. Investors could consider gradual accumulation through DCA approaches or strategic entries on technical consolidations.

Long-Term (12 Months+)

Four’s innovation, cash generation, sector tailwinds, and internationalization strategy create a robust foundation for long-view investors aiming to capture the next phase of payment-tech digitization. The asset’s market cap and underlying fundamentals justify increased scrutiny for core portfolio inclusion, especially ahead of anticipated regulatory tailwinds and real-world crypto use-case expansion.

Ideal Positioning

Entries on short-term weakness or ahead of milestone events (notably Global Blue closure or regulatory announcements) appear well-timed from both risk/reward and relative value perspectives.

Four Price Predictions

Is Now the Right Moment to Consider Four?

Four brings together an exceptional combination of operational outperformance, structural innovation, and strategic catalysts that justify renewed investment interest. In a rapidly digitizing payments environment, its leadership, resilient earnings, robust cash conversion, and scalable ecosystem place it ahead of most sector peers. Recent price action confirms Four’s ability to attract both institutional and retail flows, while technical and fundamental indicators align for a sustained uptrend.

With expanding global reach, fresh executive energy, near-term acquisition catalysts, and solid risk controls, Four could be on the verge of initiating its next multi-year growth wave. For forward-looking investors seeking digital commerce and payment rail exposure, the current setup seems to represent an excellent opportunity—especially as sector headwinds abate and macro conditions improve.

In conclusion, while risk management remains essential given the stock’s volatility profile, the pre-closure Global Blue acquisition and evolving regulatory clarity suggest Four could well embark on a powerful new bullish phase. Key levels to watch include immediate support at $87.64 and major resistance at $98.62, with the Q3 2025 protocol update likely to be a defining catalyst for future performance.

How to buy an oven?

It’s easy and secure to buy the Four cryptocurrency online through a regulated platform in South Africa. As an individual investor, you can choose between two main methods: buying Four directly (spot purchase), where you hold the actual asset in your digital wallet, or trading Four using crypto CFDs (Contracts for Difference), allowing you to speculate on price movements without owning the underlying coin. Each method has its own advantages, especially in terms of fees and flexibility. For a comprehensive comparison of local platforms and their features, please refer to our detailed table further down the page.

Spot Purchase

When you buy Four “at spot”, you acquire real digital coins that are stored in your personal crypto wallet—giving you direct ownership. Spot investing is straightforward: you pay the current market price of Four plus a standard transaction fee, usually a fixed amount in ZAR per trade (often around R100, depending on the platform).

Example

Example: If the price of Four is $94.40 (approx. R1,750), a deposit of R20,000 lets you buy about 11 coins, after accounting for R100 in transaction fees.

✔️ Gain scenario: If Four rises by 10%, your wallet’s value jumps to roughly R22,000. That’s a R2,000 gross gain, or +10% on your original investment.

Trading via CFD

When trading Four via crypto CFD, you do not own the coins themselves. Instead, you open a position that mirrors the price of Four. This method lets you use leverage (multiplying your exposure), but you’ll pay a spread (the difference between buy and sell prices) plus overnight funding fees if you keep positions open after hours.

Example

Example: With a deposit of R20,000, you choose a 5x leverage CFD on Four, giving you exposure to R100,000 worth of the cryptocurrency.

✔️ Gain scenario: If Four moves up by 8%, your leveraged position gains 8% × 5 = 40%. That’s R8,000 profit on your R20,000 stake (excluding fees).

Final Advice

Before you invest, always compare platform fees and trading conditions—they can vary widely between providers and impact your returns. The choice between spot buying and CFD trading depends on your goals and level of experience: direct ownership generally suits long-term investors, while CFDs may appeal to active traders seeking short-term opportunities. Discover our side-by-side platform comparison further down to help you select the best option for your needs.

Our 7 tips for buying an oven

The latest news from the Oven

Shift4 Payments’ Q1 2025 results confirmed 40% year-on-year revenue growth and strong payment volume expansion. The company posted quarterly revenue of $368.5 million, up nearly 40% from the prior year, and a payment volume reaching $45 billion (+35% YoY) with adjusted earnings per share of $1.07, significantly beating the consensus estimate by almost 60%. These solid results signal robust operational momentum and scalability, which remains particularly constructive for international investors and local analysts in South Africa seeking high-growth potential in the global payment technology sector.

The Global Blue acquisition, now at 96.95% tendered, accelerates Shift4’s cross-border payment capabilities with relevance to South Africa’s tourism and retail. Global Blue’s services are essential to tax-free shopping and international payment facilitation; Shift4’s acquisition, set to close in Q3 2025, would immediately expand its footprint in cross-border transactions and omni-channel retail. This is especially pertinent to the ZA context, given South Africa's status as a regional hub for tourism and international commerce, suggesting potential for innovative payment services integration and partnerships with local financial institutions.

Recent CEO transition ensures leadership continuity with founder oversight and introduces Taylor Lauber as a proven growth strategist. On June 5, 2025, Taylor Lauber, formerly Chief Strategy Officer, took over as CEO, while founder Jared Isaacman remains Executive Chairman. This transition has been positively received given Lauber’s track record in strategic acquisitions and international expansion—both directly relevant to Shift4’s African ambitions—and Isaacman’s continued presence guarantees stability for investors tracking management quality in emerging market operations.

Technical indicators remain broadly bullish, underpinned by multiple buy signals from moving averages and broad analyst optimism. Key technical signals—including the 20-, 50-, and 100-day EMAs—flash buy, while the overall consensus includes 12 bullish versus only 5 bearish signals. Although the MACD suggests some caution, the RSI is neutral and the Williams %R indicator flashes a buy. Coupled with a consensus analyst price target implying over 20% upside from current levels, market sentiment remains constructive for medium-term investors, including those in ZA seeking global technology exposure.

Shift4’s international expansion and omni-channel platform innovation provide powerful tailwinds for growth in South Africa and across Africa. As Shift4 accelerates international deployments—including in regions similar to ZA’s hospitality, travel, and entertainment verticals—its vertically integrated payments platform is well-positioned for adoption by South African enterprises increasingly seeking seamless, digital-first commerce solutions. This strategic focus aligns with regional priorities around fintech inclusion, digital transformation, and scalable payment infrastructure.

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.