Fold Holdings Inc (FLD) 10-Year Financial Performance & Capital Metrics

FLD • • Banking & Credit

Financial ServicesCrypto Asset ManagementCryptocurrency Financial ServicesCryptocurrency Rewards 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 $3M -77.5%
Total Revenue $0 -100.0%
Net Income -$2M -142.1%
Return on Equity -
Net Interest Margin 4.82% -28.6%
Efficiency Ratio -
ROA -1.71% -134.4%
Equity / Assets -15.94% -513.5%
Book Value per Share -0.56 -313.4%
Tangible BV/Share -0.56 -313.4%
Debt/Equity -

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong NIM of 4.8%
✓Share count reduced 53.3% through buybacks

✗Weaknesses

✗Weak Piotroski F-Score: 2/9
✗Weak momentum: RS Rating 10 (bottom 10%)
✗Thin capital base
✗Trading more than 30% below 52-week high

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-

5Y-

3Y-

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM143.47%

EPS CAGR

10Y-

5Y-

3Y-

TTM100.23%

ROCE

10Y Avg-4.03%

5Y Avg-4.03%

3Y Avg-5.36%

Latest-2.84%

Peer Comparison

Cryptocurrency Rewards Platforms

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
FLDFold Holdings Inc	110.14M	2.28	-19	-100%		30.42%

Profit & Loss

	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	636	0	11.21M	2.52M
NII Growth %	-	-1%	-	-0.78%
Net Interest Margin %	-	-	-	-
Interest Income	636	0	11.21M	2.95M
Interest Expense	0	0	0	0
Loan Loss Provision	0	35.73M	3.88M	0
Non-Interest Income+	-636	28.88M	10.33M	-2.95M
Non-Interest Income %	-	-	-	-
Total Revenue+	0	28.88M	21.53M	0
Revenue Growth %	-	-	-0.25%	-1%
Non-Interest Expense	120.62K	3.47M	23.57M	2.92M
Efficiency Ratio	-	-	-	-
Operating Income+	-120.62K	-10.33M	-3.73M	-2.92M
Operating Margin %	-	-	-	-
Operating Income Growth %	-	-84.62%	0.64%	0.22%
Pretax Income+	-119.99K	-11.96M	6.77M	-1.24M
Pretax Margin %	-	-	-	-
Income Tax+	0	10.71K	2.33M	628.51K
Effective Tax Rate %	-	-	-	-
Net Income+	-120K	-11.97M	4.44M	-1.87M
Net Margin %	-	-	-	-
Net Income Growth %	-	-98.77%	1.37%	-1.42%
Net Income (Continuing)	-119.99K	-11.97M	4.44M	-1.87M
EPS (Diluted)+	-0.02	-0.26	0.14	-0.12
EPS Growth %	-	-12%	1.54%	-1.86%
EPS (Basic)	-0.02	-0.26	0.14	-0.12
Diluted Shares Outstanding	6M	46.14M	32.06M	14.97M

Balance Sheet

	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	29.84K	906.04K
Cash & Due from Banks	1.23M	5.35M	29.84K	906.04K
Short Term Investments	0	1000K	0	0
Total Investments+	0	3.19M	0	0
Investments Growth %	-	-	-1%	-
Long-Term Investments	0	177.26K	0	0
Accounts Receivables	0	1000K	0	0
Goodwill & Intangibles+	-	-	-	-
Goodwill	0	0	0	0
Intangible Assets	0	471.53K	0	0
PP&E (Net)	0	0	0	0
Other Assets	223.53M	0	165.65M	51.29M
Total Current Assets	1.64M	11.77M	306.06K	926.45K
Total Non-Current Assets	223.53M	648.79K	165.65M	51.29M
Total Assets+	225.17M	12.42M	165.96M	52.22M
Asset Growth %	-	-0.94%	12.37%	-0.69%
Return on Assets (ROA)	-0%	-0.1%	0.05%	-0.02%
Accounts Payable	77.13K	302.14K	0	533.2K
Total Debt+	0	0	2.02M	5.74M
Net Debt	-1.23M	-5.35M	2M	4.84M
Long-Term Debt	0	0	0	0
Short-Term Debt	0	0	2.02M	5.74M
Other Liabilities	8.86M	8.73M	166.88M	51.25M
Total Current Liabilities	93.58K	4.31M	3.39M	9.29M
Total Non-Current Liabilities	8.86M	9.38M	166.88M	51.25M
Total Liabilities	8.95M	13.68M	170.27M	60.54M
Total Equity+	216.22M	-1.27M	-4.31M	-8.32M
Equity Growth %	-	-1.01%	-2.4%	-0.93%
Equity / Assets (Capital Ratio)	-	-	-	-
Return on Equity (ROE)	-0%	-0.11%	-	-
Book Value per Share	36.06	-0.03	-0.13	-0.56
Tangible BV per Share	-	-	-	-
Common Stock	222.2M	707	959	959
Additional Paid-in Capital	0	27.82M	6.98M	6.01M
Retained Earnings	-5.98M	-29.09M	-11.3M	-14.33M
Accumulated OCI	0	0	0	0
Treasury Stock	0	0	0	0
Preferred Stock	0	1.24K	0	0

Cash Flow

	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	-712.14K	-1.49M	-5.08M	-3.43M
Operating CF Growth %	-	-1.1%	-2.41%	0.32%
Net Income	-119.99K	-11.97M	4.44M	-1.87M
Depreciation & Amortization	0	182.79K	0	434.7K
Deferred Taxes	0	0	0	0
Other Non-Cash Items	92.17K	2.52M	-10.5M	-1.65M
Working Capital Changes	-684.32K	7.77M	973.1K	-352.11K
Cash from Investing+	-266.64M	-4.48M	99.81M	117.32M
Purchase of Investments	0	-4.15M	-3.41M	0
Sale/Maturity of Investments	0	0	0	0
Net Investment Activity	-	-	-	-
Acquisitions	0	0	0	0
Other Investing	-266.64M	0	103.21M	117.32M
Cash from Financing+	268.82M	6.98M	-94.77M	-113.01M
Dividends Paid	0	0	0	0
Share Repurchases	0	-21.88K	-96.79M	-116.72M
Stock Issued	0	0	0	0
Net Stock Activity	-	-	-	-
Debt Issuance (Net)	0	1000K	500K	1000K
Other Financing	268.82M	0	1.52M	0
Net Change in Cash+	1.47M	1M	-42.91K	876.2K
Exchange Rate Effect	0	0	0	0
Cash at Beginning	0	4.35M	72.75K	29.84K
Cash at End	1.47M	5.35M	29.84K	906.04K
Interest Paid	0	0	0	0
Income Taxes Paid	0	11.08K	2.77M	496K
Free Cash Flow+	-712.14K	-1.82M	-5.08M	-3.43M
FCF Growth %	-	-1.56%	-1.79%	0.32%

Banking Ratios

Metric	2021	2022	2023	2024
Return on Equity (ROE)	-0.06%	-11.14%	-	-
Return on Assets (ROA)	-0.05%	-10.08%	4.98%	-1.71%
Net Interest Margin	0%	0%	6.75%	4.82%
Efficiency Ratio	-	12.02%	109.45%	-
Equity / Assets	96.03%	-10.21%	-2.6%	-15.94%
Book Value / Share	36.06	-0.03	-0.13	-0.56
NII Growth	-	-100%	-	-77.52%

Frequently Asked Questions

Growth & Financials

Fold Holdings Inc (FLD) saw revenue decline by 100.0% over the past year.

Yes, Fold Holdings Inc (FLD) is profitable, generating $28.8M in net income for fiscal year 2024.

Industry Metrics

Fold Holdings Inc (FLD) has a net interest margin (NIM) of 4.8%. This indicates healthy earnings from lending activities.

Fold Holdings Inc (FLD) has an efficiency ratio of 0.0%. This is excellent, indicating strong cost control.

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