Fold Holdings Inc(FLD)Earnings, Financials & Key Ratios
FLD•NASDAQ•Banking & Credit
$1.24
$60M mkt cap·Price updated May 6, 2026
SectorFinancial ServicesIndustryCrypto Asset ManagementSub-IndustryCrypto Trading and Brokerage Platforms
AboutFold Holdings, Inc. operates as a holding company. The Company, through its subsidiaries, provides a financial services platform that allows customers to earn, accumulate, and utilize bitcoin in their everyday life.Show more
- Net Interest Income$0-100.0%
- Total Revenue$32M
- Net Income-$70M-3623.4%
- Return on Equity-254.59%
- Net Interest Margin0%-100.0%
- Efficiency Ratio131.58%
- ROA-67.67%-3849.5%
- Equity / Assets41.04%+357.5%
- Book Value per Share1.49+368.4%
- Tangible BV/Share1.49+368.4%
FLD Key Insights
Fold Holdings Inc (FLD) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Well capitalized: 41.0% equity/assets
- ✓Diversified revenue: 100.0% from non-interest income
- ✓Trading at only 0.8x book value
✗Weaknesses
- ✗High cost structure: 131.6% efficiency ratio
- ✗Weak momentum: RS Rating 10 (bottom 10%)
- ✗Shares diluted 100.0% in last year
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
FLD Price & Volume
Fold Holdings Inc (FLD) stock price & volume — 10-year historical chart
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FLD Growth Metrics
Fold Holdings Inc (FLD) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-
3 Years3.26%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-5791.04%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM77.18%
Return on Capital
10 Years-9.55%
5 Years-9.55%
3 Years-12.95%
Last Year-31.64%
FLD Peer Comparison
Fold Holdings Inc (FLD) competitors in Crypto Trading and Brokerage Platforms — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 MSTR | 51.87B | 186.82 | -12.27 | 2.97% | -25.66% | -25.66% | 0.16 | |
 COIN | 56.86B | 197.96 | 44.49 | 1.03% | 20.08% | 0.52 | ||
 HOOD | 71.21B | 79.05 | 38.56 | 51.58% | 21.38% | 1.68 | ||
 SBET | 1.52B | 7.73 | -1.05 | 6.66% | -26.18% | -49.45% | ||
 BTBT | 621.7M | 1.93 | 9.65 | 264.59% | 21.41% | 0.03 | ||
 PYPL | 42.56B | 46.26 | 8.55 | 4.32% | 25.08% | 0.49 | ||
 UPST | 2.74B | 28.68 | 63.73 | 58.87% | 6.59% | 2.32 | ||
 AFRM | 21.85B | 65.58 | 437.20 | 38.8% | 7.6% | 8.83% | 2.56 |
Compare FLD vs Peers
Fold Holdings Inc (FLD) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FLD Income Statement
Fold Holdings Inc (FLD) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|
| Net Interest Income | 636 | 0 | 11.21M | 2.52M | 0 |
| NII Growth % | - | -100% | - | -77.52% | -100% |
| Net Interest Margin % | 0% | 0% | 6.75% | 4.82% | 0% |
| Interest Income | 636 | 0 | 11.21M | 2.95M | 0 |
| Interest Expense | 0 | 0 | 0 | 434.7K | -5.71M |
| Loan Loss Provision | 0 | 35.73M | 3.88M | -434.7K | 23.4M |
| Non-Interest Income | -636 | 28.88M | -11.21M | -2.95M | 31.79M |
| Non-Interest Income % | - | 100% | - | - | 100% |
| Total Revenue | 0▲ 0% | 28.88M▲ 0% | 0▼ 100.0% | 0▲ 0% | 31.79M▲ 0% |
| Revenue Growth % | - | - | -100% | - | - |
| Non-Interest Expense | 120.62K | 3.47M | 3.73M | 2.92M | 41.83M |
| Efficiency Ratio | - | 12.02% | - | - | 131.58% |
| Operating Income | -120.62K▲ 0% | -10.33M▼ 8462.1% | -3.73M▲ 63.9% | -2.92M▲ 21.7% | -27.73M▼ 849.7% |
| Operating Margin % | - | -35.76% | - | - | -87.22% |
| Operating Income Growth % | - | -8462.15% | 63.88% | 21.73% | -849.69% |
| Pretax Income | -119.99K▲ 0% | -11.96M▼ 9869.5% | 6.77M▲ 156.6% | -1.24M▼ 118.3% | -69.59M▼ 5512.0% |
| Pretax Margin % | - | -41.42% | - | - | -218.88% |
| Income Tax | 0 | 10.71K | 2.33M | 628.51K | 1.47K |
| Effective Tax Rate % | 0% | -0.09% | 34.35% | -50.69% | -0% |
| Net Income | -120K▲ 0% | -11.97M▼ 9877.3% | 4.44M▲ 137.1% | -1.87M▼ 142.1% | -69.59M▼ 3623.4% |
| Net Margin % | - | -41.46% | - | - | -218.88% |
| Net Income Growth % | - | -9877.29% | 137.12% | -142.06% | -3623.41% |
| Net Income (Continuing) | -119.99K | -11.97M | 4.44M | -1.87M | -69.59M |
| EPS (Diluted) | -0.02▲ 0% | -0.26▼ 1200.0% | 0.14▲ 153.8% | -0.12▼ 185.7% | -1.65▼ 1275.0% |
| EPS Growth % | - | -1200% | 153.85% | -185.71% | -1275% |
| EPS (Basic) | -0.02 | -0.26 | 0.14 | -0.12 | -1.65 |
| Diluted Shares Outstanding | 6M | 46.14M | 32.06M | 14.97M | 42.22M |
FLD Balance Sheet
Fold Holdings Inc (FLD) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|
| Cash & Short Term Investments | 1.23M | 8.36M | 29.84K | 906.04K | 7.65M |
| Cash & Due from Banks | 1.23M | 5.35M | 29.84K | 906.04K | 7.65M |
| Short Term Investments | 0 | 3.01M | 0 | 0 | 0 |
| Total Investments | 0 | 3.19M | 0 | 0 | 0 |
| Investments Growth % | - | - | -100% | - | - |
| Long-Term Investments | 0 | 177.26K | 0 | 0 | 0 |
| Accounts Receivables | 0 | 1.65M | 0 | 0 | 0 |
| Goodwill & Intangibles | 0 | 471.53K | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 471.53K | 0 | 0 | 0 |
| PP&E (Net) | 0 | 0 | 0 | 0 | 0 |
| Other Assets | 223.53M | 0 | 165.65M | 51.29M | 135.35M |
| Total Current Assets | 1.64M | 11.77M | 306.06K | 926.45K | 18.12M |
| Total Non-Current Assets | 223.53M | 648.79K | 165.65M | 51.29M | 135.35M |
| Total Assets | 225.17M▲ 0% | 12.42M▼ 94.5% | 165.96M▲ 1236.6% | 52.22M▼ 68.5% | 153.47M▲ 193.9% |
| Asset Growth % | - | -94.49% | 1236.56% | -68.54% | 193.91% |
| Return on Assets (ROA) | -0.05% | -10.08% | 4.98% | -1.71% | -67.67% |
| Accounts Payable | 77.13K | 302.14K | 0 | 533.2K | 704.79K |
| Total Debt | 0 | 0 | 2.02M | 5.74M | 0 |
| Net Debt | -1.23M | -5.35M | 2M | 4.84M | -7.65M |
| Long-Term Debt | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 2.02M | 5.74M | 0 |
| Other Liabilities | 8.86M | 8.73M | 166.88M | 51.25M | 69.37M |
| Total Current Liabilities | 93.58K | 4.31M | 3.39M | 9.29M | 21.11M |
| Total Non-Current Liabilities | 8.86M | 9.38M | 166.88M | 51.25M | 69.37M |
| Total Liabilities | 8.95M | 13.68M | 170.27M | 60.54M | 90.48M |
| Total Equity | 216.22M▲ 0% | -1.27M▼ 100.6% | -4.31M▼ 240.0% | -8.32M▼ 93.0% | 62.99M▲ 856.8% |
| Equity Growth % | - | -100.59% | -240.02% | -93.03% | 856.83% |
| Equity / Assets (Capital Ratio) | 96.03% | -10.21% | -2.6% | -15.94% | 41.04% |
| Return on Equity (ROE) | -0.06% | -11.14% | - | - | -254.59% |
| Book Value per Share | 36.06 | -0.03 | -0.13 | -0.56 | 1.49 |
| Tangible BV per Share | 36.06 | -0.04 | -0.13 | -0.56 | 1.49 |
| Common Stock | 222.2M | 707 | 959 | 959 | 4.85K |
| Additional Paid-in Capital | 0 | 27.82M | 6.98M | 6.01M | 0 |
| Retained Earnings | -5.98M | -29.09M | -11.3M | -14.33M | -170.94M |
| Accumulated OCI | 0 | 0 | 0 | 0 | 0 |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 1.24K | 0 | 0 | 0 |
FLD Cash Flow Statement
Fold Holdings Inc (FLD) cash flow — operating, investing & free cash flow history
| Line item | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|
| Cash from Operations | -712.14K | -1.49M | -5.08M | -3.43M | -16.12M |
| Operating CF Growth % | - | -109.51% | -240.66% | 32.44% | -369.48% |
| Net Income | -119.99K | -11.97M | 4.44M | -1.87M | -69.59M |
| Depreciation & Amortization | 0 | 182.79K | 0 | 434.7K | 557.98K |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 92.17K | 2.52M | -10.5M | -1.65M | 42.94M |
| Working Capital Changes | -684.32K | 7.77M | 973.1K | -352.11K | 0 |
| Cash from Investing | -266.64M | -4.48M | 99.81M | 117.32M | -8.97M |
| Purchase of Investments | 0 | -4.15M | -3.41M | 0 | 0 |
| Sale/Maturity of Investments | 0 | 0 | 0 | 0 | 0 |
| Net Investment Activity | 0 | -4.15M | -3.41M | 0 | 0 |
| Acquisitions | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -266.64M | 0 | 103.21M | 117.32M | -8.97M |
| Cash from Financing | 268.82M | 6.98M | -94.77M | -113.01M | 14.41M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | -21.88K | -96.79M | -116.72M | 0 |
| Stock Issued | 0 | 0 | 0 | 0 | 4.37M |
| Net Stock Activity | 0 | -21.88K | -96.79M | -116.72M | 4.37M |
| Debt Issuance (Net) | 0 | 1000K | 500K | 1000K | 0 |
| Other Financing | 268.82M | 0 | 1.52M | 0 | 14.41M |
| Net Change in Cash | 1.47M▲ 0% | 1M▼ 31.9% | -42.91K▼ 104.3% | 876.2K▲ 2142.0% | -10.68M▼ 1318.7% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 0 | 4.35M | 72.75K | 29.84K | 18.33M |
| Cash at End | 1.47M | 5.35M | 29.84K | 906.04K | 7.65M |
| Interest Paid | 0 | 0 | 0 | 0 | 0 |
| Income Taxes Paid | 0 | 11.08K | 2.77M | 496K | 0 |
| Free Cash Flow | -712.14K▲ 0% | -1.82M▼ 155.6% | -5.08M▼ 179.2% | -3.43M▲ 32.4% | -16.12M▼ 369.5% |
| FCF Growth % | - | -155.62% | -179.2% | 32.44% | -369.48% |
FLD Banking Ratios
Fold Holdings Inc (FLD) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Return on Equity (ROE) | -0.06% | -11.14% | - | - | -254.59% |
| Return on Assets (ROA) | -0.05% | -10.08% | 4.98% | -1.71% | -67.67% |
| Net Interest Margin | 0% | 0% | 6.75% | 4.82% | 0% |
| Efficiency Ratio | - | 12.02% | - | - | 131.58% |
| Equity / Assets | 96.03% | -10.21% | -2.6% | -15.94% | 41.04% |
| Book Value / Share | 36.06 | -0.03 | -0.13 | -0.56 | 1.49 |
| NII Growth | - | -100% | - | -77.52% | -100% |
FLD Frequently Asked Questions
Fold Holdings Inc (FLD) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Fold Holdings Inc (FLD) grew revenue by 0.0% over the past year. Growth has been modest.
Fold Holdings Inc (FLD) reported a net loss of $69.6M for fiscal year 2025.
Dividend & Returns
Fold Holdings Inc (FLD) has a return on equity (ROE) of -254.6%. Negative ROE indicates the company is unprofitable.
Industry Metrics
Fold Holdings Inc (FLD) has a net interest margin (NIM) of N/A. NIM has been under pressure due to interest rate environment.
Fold Holdings Inc (FLD) has an efficiency ratio of 131.6%. This is higher than peers, suggesting room for cost optimization.
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Fold Holdings Inc (FLD) financial analysis — history, returns, DCA and operating performance tools
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Price History
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Revenue History
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