Fold Holdings, Inc. FLD FINANCIAL
Company Overview
Fold Holdings, Inc., a bitcoin financial services company, provides access to bitcoin through a suite of consumer financial products in the United States. Its financial services platform allows consumers to accumulate, save, and use bitcoin to accomplish financial goals. The company offers consumers an FDIC insured checking account, a Visa prepaid debit card, bill payments services, and an extensive catalog of merchant reward offers, as well as partners with third-party service providers that offer bitcoin exchange and custody services. It also invests in and accumulates bitcoin for treasury. The company offers its products and services through the Fold mobile application. Fold Holdings, Inc. was founded in 2019 and is headquartered in Phoenix, Arizona.
Why Investors Should Care
Carries low leverage with a debt-to-equity ratio of 0.40.
Recent Developments
- Dec 2025 Revenue of $31.79M (+33.9% YoY); net profit $-69.59M.
- Trailing 12 Months Year-on-year growth — revenue -25.5%.
- 5-Year Trend Long-term compounding — revenue CAGR 3.3%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 3.26% |
| 1 Year: | -25.50% |
Stock Price Performance
| 1 Year: | -86.91% |
| 6 Months: | -59.41% |
| 3 Months: | -17.39% |
| 1 Month: | +14.31% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMABelow
- RSI (14)57.25 · Neutral
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
No notable strengths flagged.
CONS
- Trading 87.6% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | FLD Fold Holdings, Inc. FINANCIAL | 0.56 | -0.39 | $30.84M | 0.00% | -20.95% | -121.82% | 3.26% | - |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 353.51 | 15.15 | $939.70B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 505.83 | 12.72 | $712.23B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 368.64 | 31.35 | $628.20B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 570.89 | 31.44 | $496.37B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.39 | 14.41 | $436.28B | 2.04% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 757,791.00 | 12.71 | $370.14B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 106.26 | 15.18 | $363.70B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 216.24 | 17.48 | $339.62B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | 4.93M | 5.14M | 5.24M | 7.09M | 8.18M | 7.40M | 5.59M |
| Operating Income | -489.50K | -383.53K | -445.78K | -872.90K | -694.55K | -683.55K | -726.75K | -626.00K | -801.42K | - | - | - | - |
| Net Income | -464.26K | -88.77K | 467.52K | 1.27M | 1.73M | 1.21M | -945.05K | -2.32M | -62.31M | -48.88M | 13.43M | 554.24K | -29.17M |
| Diluted EPS | - | - | - | - | - | - | -0.16 | -0.40 | -10.68 | -1.92 | 0.28 | 0.01 | -0.59 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | - | 28.88M | 0 | 23.75M | 31.79M |
| Cost of Revenue | - | 35.73M | 24.88M | 25.93M | 47.38M |
| Gross Profit | - | -6.86M | -3.35M | -2.17M | -15.59M |
| Operating Expenses | - | 3.47M | 3.73M | 3.64M | 12.15M |
| Operating Income | -100.52K | -10.33M | -3.73M | -5.81M | -27.73M |
| EBITDA | - | -10.08M | 6.77M | -64.56M | -63.32M |
| Interest Expense | - | - | 0 | 234.03K | 5.71M |
| Pretax Income | - | -11.96M | 6.77M | -65.08M | -69.59M |
| Tax Provision | - | 10.71K | 2.33M | 7.40K | 1.47K |
| Net Income | -99.99K | -11.97M | 4.44M | -65.09M | -69.59M |
| Diluted EPS | - | -0.26 | 0.10 | -1.41 | -1.65 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Total Assets | 225.17M | 255.66M | 165.96M | 125.66M | 153.47M |
| Total Equity | -5.98M | -8.50M | -8.43M | -67.81M | 62.99M |
| Cash & Equivalents | 1.23M | 72.75K | - | 18.33M | 7.65M |
| Total Liabilities | 8.95M | 10.35M | 4.55M | 193.46M | 90.48M |
| Current Liabilities | 93.58K | 492.01K | 3.39M | 21.90M | 21.11M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | -593.45K | -1.70M | -5.08M | -3.31M | -16.12M |
| Investing Cash Flow | -222.20M | -28.43M | 99.81M | -2.51M | -8.97M |
| Financing Cash Flow | 224.02M | 28.98M | -94.77M | 22.67M | 14.41M |
| Share Buybacks | - | - | 96.79M | 116.72M | - |
Ratios (Annual)
Figures in %.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Gross Margin % | - | -23.7% | - | -9.1% | -49.0% |
| Operating Margin % | - | -35.8% | - | -24.5% | -87.2% |
| Net Margin % | - | -41.5% | - | -274.0% | -218.9% |
| ROE % | 1.7% | 140.8% | -52.7% | 96.0% | -110.5% |
| ROCE % | -0.0% | -4.0% | -2.3% | -5.6% | -21.0% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Vanguard Capital Management LLC | 2.33% | 1.28M | $732.93K |
| 2 | Blue Owl Capital Holdings LP | 1.56% | 856.63K | $492.05K |
| 3 | HRT Financial LP | 0.41% | 223.55K | $128.41K |
| 4 | AQR Capital Management, LLC | 0.37% | 203.97K | $117.16K |
| 5 | Geode Capital Management, LLC | 0.28% | 153.68K | $88.27K |
| 6 | Jane Street Group, LLC | 0.24% | 131.62K | $75.60K |
| 7 | Baird Financial Group, Inc. | 0.19% | 105.15K | $60.40K |
| 8 | Blackrock Inc. | 0.18% | 96.52K | $55.44K |
| 9 | Union Square Park Capital Management, LLC | 0.16% | 89.13K | $51.20K |
| 10 | UBS Group AG | 0.15% | 84.60K | $48.59K |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for FLD
Fold Holdings CEO Reeves sells $2,641 of FLD stock - Investing.com
<a href="https://news.google.com/rss/articles/CBMiswFBVV95cUxQbnpYcVh2WWVtbkVhU1NrX2dUdjNOMGFkc2JtblpHWS1hV1dGcFRZbGZDVWlsVWVEdVNvQmNkczA4SE9iWmgyQzRtNjlfeWh2RVFZcXYtMDZkenBhenRhZlFoa2tpejlpcERtZ0RNZk1aSXkwUHNjajNRTnpYQ2lMNHM1RjZzd2dfWFZ4ZF…
Fold Holdings Sets $25 Million Equity Purchase With Roth; Engages Compass Point as QIU - tradingview.com
<a href="https://news.google.com/rss/articles/CBMi3wFBVV95cUxNdGtJcFBEelh4Mk5rM3JyX1NHYWgxR1pUMFJaODlEZkxFX2lEa0tVYzVydEpQLUVVRjJMNG92ZnRJbktVdFhRREdUQmVXVm1UVzhYRVprMDFUTkZrc3lrd1Q5RzdPZ3QwRFRIUTd2SzZvWFZNYVBJM3hLdHB4cmFFc21VcHNvWFIxNWl0cz…
Fold Holdings (FLD) CTO boosts stake with plan purchase - Stock Titan
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$FLD stock is up 10% today. Here's what we see in our data. - Quiver Quantitative
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Is Fold Holdings, Inc. (FLD) Under Pressure After Revenue Drops 21% in Q1 2026? - finance.yahoo.com
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Insiders Who Sold Fold Holdings Missed Out On 35% Stock Increase - simplywall.st
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FLD — Frequently Asked Questions
What is the current share price of Fold Holdings, Inc. (FLD)?
As of 2026-09-19 21:16 PDT, Fold Holdings, Inc. (FLD) trades at $0.56 on NasdaqCM. Its 52-week range is $0.38 to $4.53.
What is the market capitalisation of FLD?
Fold Holdings, Inc. (FLD) has a market capitalisation of $30.84M on NasdaqCM.
What is the P/E ratio of FLD?
FLD trades at a trailing price-to-earnings (P/E) ratio of -0.39. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 0.97.
What is the return on equity (ROE) of FLD?
FLD has a return on equity (ROE) of -121.82%. Its return on capital employed (ROCE) is -20.95%.
Is FLD a good stock to buy?
This page provides a data-driven analysis of Fold Holdings, Inc. (FLD), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.