well it looks like u need create new field on players table lets say `pts`
then before u are inserting data into table that u showed do some checking quory like this
$check_result = mysql_query("SELECT COUNT(*) AS counter, SUM(points) AS total_pts FROM stats WHERE user_id=3");
$row = mysql_fetch_assoc($check_result);
if($row['counter'] >= 4)
{
//if we have four entries in `stats` we should store total points somewhere before inserting new fight stats
mysql_query("UPDATE players SET pts = pts + ".$row['total_pts']." WHERE id=3 LIMIT 1");
//also I think u should remove old entries at this point
mysql_query("DELETE FROM stats WHERE user_id=3");
}
//now do what ever u was doing before I mean store new result into table that I called `stats`