Symbols / FLD $1.21 -2.42%
FLD Chart
About
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. It offers consumers an FDIC insured checking account, a Visa prepaid debit card, bill payments, and an extensive catalog of merchant reward offers, as well as partners with third-party service providers that offer bitcoin exchange and custody services. The company also invests in and accumulates bitcoin for treasury. The company offers its products and services through the Fold mobile app. Fold Holdings, Inc. was founded in 2019 and is headquartered in Phoenix, Arizona.
Fundamentals
Scroll to Statements| Sector | Financial Services | Industry | Capital Markets | Market Cap | 59.08M |
| Enterprise Value | 135.63M | Income | 28.81M | Sales | 7.35M |
| Book/sh | 1.97 | Cash/sh | 0.14 | Dividend Yield | — |
| Payout | 0.00% | Employees | 39 | IPO | — |
| P/E | 2.02 | Forward P/E | -3.02 | PEG | — |
| P/S | 8.04 | P/B | 0.61 | P/C | — |
| EV/EBITDA | -7.10 | EV/Sales | 18.45 | Quick Ratio | 0.55 |
| Current Ratio | 1.47 | Debt/Eq | 87.02 | LT Debt/Eq | — |
| EPS (ttm) | 0.60 | EPS next Y | -0.40 | EPS Growth | — |
| Revenue Growth | 41.20% | Earnings | 2026-03-17 | ROA | -8.80% |
| ROE | 278.58% | ROIC | — | Gross Margin | -149.13% |
| Oper. Margin | -73.44% | Profit Margin | 3.92% | Shs Outstand | 48.83M |
| Shs Float | 4.80M | Short Float | 1.25% | Short Ratio | 2.82 |
| Short Interest | — | 52W High | 8.50 | 52W Low | 1.15 |
| Beta | 0.22 | Avg Volume | 147.60K | Volume | 91.09K |
| Target Price | $7.11 | Recom | None | Prev Close | $1.24 |
| Price | $1.21 | Change | -2.42% |
Valuation Models
Price estimates from analyst targets and simple models.
1. Analyst consensus
$7.11
Mean price target
2. Current target
$1.12
Latest analyst target
3. DCF / Fair value
$-2.06
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$1.12
Low
$4.50
High
$10.00
Mean
$7.11
Latest analyst rating changes
| Date | Action | Analyst | Rating Change | Price Target |
|---|---|---|---|---|
| 2026-02-09 | reit | HC Wainwright & Co. | Buy → Buy | $7 |
| 2025-07-28 | init | Cantor Fitzgerald | — → Overweight | $7 |
| 2025-05-27 | init | Northland Capital Markets | — → Outperform | $10 |
| 2025-04-14 | reit | HC Wainwright & Co. | Buy → Buy | $7 |
| 2025-04-07 | init | HC Wainwright & Co. | — → Buy | $7 |
News
RSS: Latest FLD news- Bitcoin finance firm Fold erases $66M debt, frees 521 bitcoin - Stock Titan Fri, 27 Feb 2026 08
- Fold Holdings: A Capital Allocation Pickle Is Emerging - Seeking Alpha Wed, 12 Nov 2025 08
- Fold Holdings Inc (FLD) Q4 2025 Earnings Report Preview: What to Look For - GuruFocus Mon, 16 Mar 2026 12
- Fold (NASDAQ:FLD) CFO Sells $19,965.50 in Stock - MarketBeat Mon, 02 Mar 2026 08
- Insider Sale: Chief Financial Officer of $FLD Sells 21,857 Shares - Quiver Quantitative Sat, 21 Feb 2026 08
- Fulgur Frontier Capital LP discloses 37.47% stake in Fold Holdings, Inc. - TradingView hu, 12 Mar 2026 21
- Fold Holdings Restructures Financing and Retires Secured Debt - The Globe and Mail Sat, 28 Feb 2026 08
- Fold files to sell 9.28M shares of common stock by selling shareholders - MSN Fri, 13 Mar 2026 17
- Fold Stock Pops, Then Plunges After Revealing Bitcoin Rewards Visa Credit Card Plans - Yahoo Finance ue, 23 Sep 2025 07
- Bitcoin app Fold is going free — and rolling out a 4% rewards card - Stock Titan hu, 29 Jan 2026 08
- Fold (NASDAQ:FLD) CFO Sells $13,581.96 in Stock - MarketBeat Mon, 02 Mar 2026 08
- Fold Holdings, Inc. Expands Nationwide Bitcoin Access Across All 50 States Through Partnership with BitGo Bank & Trust - Quiver Quantitative hu, 18 Dec 2025 08
- New federal bank charter lets a Bitcoin tool reach every US state - Stock Titan hu, 18 Dec 2025 08
- Fold (FLD) Projected to Post Quarterly Earnings on Tuesday - MarketBeat ue, 10 Mar 2026 07
- Bitcoin financial services firm Fold just landed in a major stock index - Stock Titan Mon, 22 Dec 2025 08
Insider Transactions
| Date | Shares | Value | Url | Text | Insider | Position | Transaction | Start Date | Ownership |
|---|---|---|---|---|---|---|---|---|---|
| 0 | 11281 | 16053.0 | — | Sale at price 1.42 per share. | REPASS WOLFE | Chief Financial Officer | — | 2026-03-02 00:00:00 | D |
| 1 | 5496 | 7821.0 | — | Sale at price 1.42 per share. | REEVES WILLIAM BRIAN POPPIC | Chief Executive Officer | — | 2026-03-02 00:00:00 | D |
| 2 | 8 | 11.0 | — | Sale at price 1.42 per share. | DICKMAN THOMAS J | Chief Technology Officer | — | 2026-03-02 00:00:00 | D |
| 3 | 65766 | nan | — | — | REPASS WOLFE | Chief Financial Officer | — | 2026-02-27 00:00:00 | D |
| 4 | 12622 | nan | — | — | REEVES WILLIAM BRIAN POPPIC | Chief Executive Officer | — | 2026-02-27 00:00:00 | D |
| 5 | 17 | nan | — | — | DICKMAN THOMAS J | Chief Technology Officer | — | 2026-02-27 00:00:00 | D |
| 6 | 22852 | 33579.0 | — | Sale at price 1.46 - 1.48 per share. | REPASS WOLFE | Chief Financial Officer | — | 2026-02-27 00:00:00 | D |
| 7 | 5000 | 6350.0 | — | Stock Award(Grant) at price 1.27 per share. | DICKMAN THOMAS J | Chief Technology Officer | — | 2026-02-27 00:00:00 | D |
| 8 | 20800 | nan | — | — | KIRKWOOD JONATHAN | Director and Beneficial Owner of more than 10% of a Class of Security | — | 2026-02-26 00:00:00 | I |
| 9 | 30785 | nan | — | — | REPASS WOLFE | Chief Financial Officer | — | 2026-02-25 00:00:00 | D |
Financials
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|
| TaxEffectOfUnusualItems | 0.00 | 0.00 | 0.00 |
| TaxRateForCalcs | 0.21 | 0.34 | 0.21 |
| NormalizedEBITDA | -805.33K | 6.77M | -10.08M |
| NetIncomeFromContinuingOperationNetMinorityInterest | -1.87M | 4.44M | -11.97M |
| ReconciledDepreciation | 229.09K | 182.79K | |
| ReconciledCostOfRevenue | 25.03M | 35.80M | |
| EBITDA | -805.33K | 6.77M | -10.08M |
| EBIT | -805.33K | 6.77M | -10.33M |
| NetInterestIncome | 2.52M | 11.21M | |
| InterestExpense | 434.70K | 0.00 | |
| InterestIncome | 2.95M | 11.21M | |
| NormalizedIncome | -1.87M | 4.44M | -11.97M |
| NetIncomeFromContinuingAndDiscontinuedOperation | -1.87M | 4.44M | -11.97M |
| TotalExpenses | 2.92M | 3.73M | 39.21M |
| TotalOperatingIncomeAsReported | -2.92M | -3.73M | -10.33M |
| DilutedAverageShares | 46.14M | 46.14M | 46.14M |
| BasicAverageShares | 46.14M | 46.14M | 46.14M |
| DilutedEPS | -0.04 | 0.10 | -0.26 |
| BasicEPS | -0.04 | 0.10 | -0.26 |
| DilutedNIAvailtoComStockholders | -1.87M | 4.44M | -11.97M |
| NetIncomeCommonStockholders | -1.87M | 4.44M | -11.97M |
| NetIncome | -1.87M | 4.44M | -11.97M |
| NetIncomeIncludingNoncontrollingInterests | -1.87M | 4.44M | -11.97M |
| NetIncomeContinuousOperations | -1.87M | 4.44M | -11.97M |
| TaxProvision | 628.51K | 2.33M | 10.71K |
| PretaxIncome | -1.24M | 6.77M | -11.96M |
| OtherIncomeExpense | -838.83K | -708.40K | -1.63M |
| OtherNonOperatingIncomeExpenses | -838.83K | -708.40K | -1.63M |
| NetNonOperatingInterestIncomeExpense | 2.52M | 11.21M | |
| InterestExpenseNonOperating | 434.70K | 0.00 | |
| InterestIncomeNonOperating | 2.95M | 11.21M | |
| OperatingIncome | -2.92M | -3.73M | -10.33M |
| OperatingExpense | 2.92M | 3.73M | 3.47M |
| OtherOperatingExpenses | 47.20K | 791.32K | |
| DepreciationAmortizationDepletionIncomeStatement | 380.05K | 250.14K | |
| DepreciationAndAmortizationInIncomeStatement | 380.05K | 250.14K | |
| Amortization | 380.05K | 250.14K | |
| AmortizationOfIntangiblesIncomeStatement | 380.05K | 250.14K | |
| SellingGeneralAndAdministration | 2.92M | 3.73M | 2.43M |
| SellingAndMarketingExpense | 1.72M | 1.94M | |
| GeneralAndAdministrativeExpense | 2.92M | 3.73M | 491.02K |
| OtherGandA | 2.92M | 3.73M | 491.02K |
| GrossProfit | -3.35M | -6.86M | |
| CostOfRevenue | 24.88M | 35.73M | |
| TotalRevenue | 0.00 | 0.00 | 28.88M |
| OperatingRevenue | 0.00 | 0.00 | 28.93M |
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|
| OrdinarySharesNumber | 46.14M | 46.14M | 46.14M |
| ShareIssued | 46.14M | 46.14M | 46.14M |
| NetDebt | 4.84M | 2.00M | |
| TotalDebt | 5.74M | 2.02M | |
| TangibleBookValue | 42.92M | 161.41M | -1.74M |
| InvestedCapital | 48.67M | 163.44M | -1.27M |
| WorkingCapital | -8.37M | -3.09M | 7.46M |
| NetTangibleAssets | 42.92M | 161.41M | -1.74M |
| CommonStockEquity | 42.92M | 161.41M | -1.27M |
| PreferredStockEquity | 1.24K | 1.24K | |
| TotalCapitalization | 42.92M | 161.41M | -1.27M |
| TotalEquityGrossMinorityInterest | 42.92M | 161.41M | -1.27M |
| StockholdersEquity | 42.92M | 161.41M | -1.27M |
| RetainedEarnings | -14.33M | -11.30M | -29.09M |
| AdditionalPaidInCapital | 6.01M | 6.98M | 27.82M |
| CapitalStock | 51.25M | 165.72M | 1.94K |
| CommonStock | 51.25M | 165.72M | 707.00 |
| PreferredStock | 0.00 | 0.00 | 1.24K |
| TotalLiabilitiesNetMinorityInterest | 9.29M | 4.55M | 13.68M |
| TotalNonCurrentLiabilitiesNetMinorityInterest | 0.00 | 1.16M | 9.38M |
| OtherNonCurrentLiabilities | 10.60M | 8.73M | |
| NonCurrentDeferredLiabilities | 0.00 | 1.16M | 652.24K |
| NonCurrentDeferredRevenue | 0.00 | 1.16M | 652.24K |
| CurrentLiabilities | 9.29M | 3.39M | 4.31M |
| OtherCurrentLiabilities | 6.56M | 3.27M | |
| CurrentDeferredLiabilities | 1.16M | 0.00 | 661.43K |
| CurrentDeferredRevenue | 1.16M | 0.00 | 661.43K |
| CurrentDebtAndCapitalLeaseObligation | 5.74M | 2.02M | |
| CurrentDebt | 5.74M | 2.02M | |
| OtherCurrentBorrowings | 5.19M | 2.02M | |
| CurrentNotesPayable | 550.00K | 0.00 | |
| PayablesAndAccruedExpenses | 2.40M | 1.37M | 376.72K |
| CurrentAccruedExpenses | 25.94K | 74.58K | |
| Payables | 2.40M | 1.37M | 302.14K |
| DuetoRelatedPartiesCurrent | 646.45K | 286.45K | |
| TotalTaxPayable | 1.22M | 967.92K | |
| IncomeTaxPayable | 49.01K | 0.00 | |
| AccountsPayable | 533.20K | 114.66K | 302.14K |
| TotalAssets | 52.22M | 165.96M | 12.42M |
| TotalNonCurrentAssets | 51.29M | 165.65M | 648.79K |
| OtherNonCurrentAssets | 51.29M | 165.65M | |
| InvestmentsAndAdvances | 82.63K | 177.26K | |
| OtherInvestments | 82.63K | 177.26K | |
| GoodwillAndOtherIntangibleAssets | 553.77K | 471.53K | |
| OtherIntangibleAssets | 553.77K | 471.53K | |
| CurrentAssets | 926.45K | 306.06K | 11.77M |
| OtherCurrentAssets | 1.74M | 1.41M | |
| PrepaidAssets | 20.41K | 276.21K | |
| Inventory | 129.19K | 350.84K | |
| Receivables | 624.90K | 1.65M | |
| AccountsReceivable | 624.90K | 1.65M | |
| CashCashEquivalentsAndShortTermInvestments | 906.04K | 29.84K | 8.36M |
| OtherShortTermInvestments | 5.33M | 3.01M | |
| CashAndCashEquivalents | 906.04K | 29.84K | 5.35M |
| CashFinancial | 906.04K | 29.84K |
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|
| FreeCashFlow | -3.43M | -5.08M | -1.82M |
| RepurchaseOfCapitalStock | -116.72M | -96.79M | -21.88K |
| IssuanceOfDebt | 3.72M | 2.02M | 7.00M |
| CapitalExpenditure | -311.33K | -328.43K | |
| IncomeTaxPaidSupplementalData | 496.00K | 2.77M | 11.08K |
| EndCashPosition | 906.04K | 29.84K | 5.35M |
| BeginningCashPosition | 29.84K | 72.75K | 4.35M |
| ChangesInCash | 876.20K | -42.91K | 1.00M |
| FinancingCashFlow | -113.01M | -94.77M | 6.98M |
| CashFlowFromContinuingFinancingActivities | -113.01M | -94.77M | 6.98M |
| NetOtherFinancingCharges | 500.00K | 7.00M | |
| NetCommonStockIssuance | -116.72M | -96.79M | -21.88K |
| CommonStockPayments | -116.72M | -96.79M | -21.88K |
| NetIssuancePaymentsOfDebt | 3.72M | 2.02M | 7.00M |
| NetShortTermDebtIssuance | 3.72M | 2.02M | |
| ShortTermDebtIssuance | 3.72M | 2.02M | |
| NetLongTermDebtIssuance | 500.00K | 7.00M | |
| LongTermDebtIssuance | 500.00K | 7.00M | |
| InvestingCashFlow | 117.32M | 99.81M | -4.48M |
| CashFlowFromContinuingInvestingActivities | 117.32M | 99.81M | -4.48M |
| NetOtherInvestingChanges | 117.32M | 99.81M | |
| NetInvestmentPurchaseAndSale | -3.41M | -4.15M | |
| PurchaseOfInvestment | -3.41M | -4.15M | |
| NetIntangiblesPurchaseAndSale | -311.33K | -328.43K | |
| PurchaseOfIntangibles | -311.33K | -328.43K | |
| OperatingCashFlow | -3.43M | -5.08M | -1.49M |
| CashFlowFromContinuingOperatingActivities | -3.43M | -5.08M | -1.49M |
| ChangeInWorkingCapital | 115.43K | 973.10K | 7.77M |
| ChangeInOtherWorkingCapital | -301.66K | 398.47K | |
| ChangeInOtherCurrentLiabilities | 3.45M | 6.10M | |
| ChangeInPayablesAndAccruedExpense | -140.37K | -90.90K | 202.84K |
| ChangeInAccruedExpense | -48.64K | 57.90K | |
| ChangeInPayable | -140.37K | -90.90K | 144.94K |
| ChangeInAccountPayable | 418.54K | 290.05K | 144.94K |
| ChangeInTaxPayable | -918.91K | -359.41K | |
| ChangeInIncomeTaxPayable | -918.91K | -359.41K | |
| ChangeInPrepaidAssets | 255.81K | -91.00K | 332.29K |
| ChangeInInventory | 221.65K | 536.86K | |
| ChangeInReceivables | 0.00 | 1.16M | 199.69K |
| ChangesInAccountReceivables | 1.02M | 199.69K | |
| OtherNonCashItems | -1.68M | -10.50M | 2.52M |
| StockBasedCompensation | 8.33K | 13.94K | |
| DepreciationAmortizationDepletion | 229.09K | 182.79K | |
| DepreciationAndAmortization | 229.09K | 182.79K | |
| AmortizationCashFlow | 229.09K | 182.79K | |
| AmortizationOfIntangibles | 229.09K | 182.79K | |
| NetIncomeFromContinuingOperations | -1.87M | 4.44M | -11.97M |
SEC Filings
Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.
Public Trades for FLD
| Date | User | Broker | Pattern | Type | Position Size | Entry Price | Trade P&L | Status |
|---|