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Fold Holdings Inc(FLD)Earnings, Financials & Key Ratios
FLD•NASDAQ•Banking & Credit
Price updated Jun 19, 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-$6M-326.6%
- Total Revenue$32M
- Net Income-$70M-3623.4%
- Return on Equity-254.59%
- Net Interest Margin-3.72%-177.1%
- Efficiency Ratio131.58%
- ROA-67.67%-3849.5%
- Equity / Assets41.04%+357.5%
- Book Value per 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 0.4x book value
✗Weaknesses
- ✗Weak NIM of -3.7%
- ✗High cost structure: 131.6% efficiency ratio
- ✗Weak momentum: RS Rating 3 (bottom 3%)
- ✗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.
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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-1.55%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM96.5%
Return on Capital
10 Years-9.55%
5 Years-9.55%
3 Years-12.95%
Last Year-31.64%
FLD Recent Earnings
Fold Holdings Inc (FLD) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 0/12 qtrs (0%)●Beat Revenue 0/12 qtrs (0%)
Q2 2026Latest
May 12, 2026Metric
Actual
Est
EPS
$0.59-268.8%
$0.16
Rev
$6M-44.0%
$10M
Q2 2026
Mar 17, 2026Metric
Actual
Est
EPS
$0.86-514.3%
$0.14
Rev
$9M-10.0%
$10M
Q4 2025
Nov 10, 2025Metric
Actual
Est
EPS
$0.15-25.0%
$0.12
Rev
$7M-26.9%
$10M
Q3 2025
Aug 12, 2025Metric
Actual
Est
EPS
$0.18-80.0%
$0.10
Rev
$8M-30.9%
$12M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 12, 2026 | $0.59vs $0.16-268.8% | $6Mvs $10M-44.0% |
| Q2 2026 | Mar 17, 2026 | $0.86vs $0.14-514.3% | $9Mvs $10M-10.0% |
| Q4 2025 | Nov 10, 2025 | $0.15vs $0.12-25.0% | $7Mvs $10M-26.9% |
| Q3 2025 | Aug 12, 2025 | $0.18vs $0.10-80.0% | $8Mvs $12M-30.9% |
Based on last 12 quarters of dataView full earnings history →
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 | 37.58B | 112.53 | -7.39 | 2.97% | -25.19% | -24.09% | 0.16 | |
 COIN | 43.01B | 163.26 | 36.69 | 9.4% | 13.78% | 5.68% | 0.53 | |
 HOOD | 97.43B | 108.15 | 52.76 | 51.58% | 41.12% | 21.38% | 1.68 | |
 SBET | 1.04B | 5.29 | -0.72 | 6.66% | -36.05% | -73.93% | ||
 BTBT | 706.64M | 2.17 | -7 | -30.65% | -146.01% | -0.11% | 0.16 | |
 PYPL | 37.5B | 42.51 | 7.86 | 4.32% | 15% | 25.08% | 0.49 | |
 UPST | 3.1B | 32.43 | 72.07 | 58.87% | 4.25% | 6.59% | 2.32 | |
 AFRM | 24.62B | 73.92 | 492.80 | 38.8% | 11.95% | 11.17% | 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
| Metric | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|
Net Interest Income | 636 | 0 | 11.21M | 2.52M | -5.71M | -2.16M |
NII Growth % | - | -100% | - | -77.52% | -326.6% | -869.09% |
Net Interest Margin % | 0% | 0% | 6.75% | 4.82% | -3.72% | -2.76% |
Interest Income | 636 | 0 | 11.21M | 2.95M | 0 | 0 |
Interest Expense | 0 | 0 | 0 | 434.7K | 5.71M | 2.16M |
Loan Loss Provision | 0 | 35.73M | 3.88M | -434.7K | 11.98M | 6.3M |
Non-Interest Income | -636 | 28.88M | -11.21M | -2.95M | 31.79M | 30.3M |
Non-Interest Income % | - | 100% | - | - | 100% | 100% |
Total Revenue | 0▲ 0% | 28.88M▲ 0% | 0▼ 100.0% | 0▲ 0% | 31.79M▲ 0% | 30.3M▲ 0% |
Revenue Growth % | - | - | -100% | - | - | 242.06% |
Non-Interest Expense | 120.62K | 3.47M | 3.73M | 2.92M | 41.83M | 47.9M |
Efficiency Ratio | - | 12.02% | - | - | 131.58% | 158.08% |
Operating Income | -120.62K▲ 0% | -10.33M▼ 8462.1% | -3.73M▲ 63.9% | -2.92M▲ 21.7% | -27.73M▼ 849.7% | -26.06M▲ 0% |
Operating Margin % | - | -35.76% | - | - | -87.22% | -86.01% |
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% | -49.88M▲ 0% |
Pretax Margin % | - | -41.42% | - | - | -218.88% | -164.62% |
Income Tax | 0 | 10.71K | 2.33M | 628.51K | 1.47K | 965 |
Effective Tax Rate % | 0% | -0.09% | 34.35% | -50.69% | -0% | -0% |
Net Income | -120K▲ 0% | -11.97M▼ 9877.3% | 4.44M▲ 137.1% | -1.87M▼ 142.1% | -69.59M▼ 3623.4% | -49.88M▲ 0% |
Net Margin % | - | -41.46% | - | - | -218.88% | -164.63% |
Net Income Growth % | - | -9877.29% | 137.12% | -142.06% | -3623.41% | -1.55% |
Net Income (Continuing) | -119.99K | -11.97M | 4.44M | -1.87M | -69.59M | -49.88M |
EPS (Diluted) | -0.02▲ 0% | -0.26▼ 1200.0% | 0.14▲ 153.8% | -0.12▼ 185.7% | -1.65▼ 1275.0% | -1.00▲ 0% |
EPS Growth % | - | -1200% | 153.85% | -185.71% | -1275% | 96.5% |
EPS (Basic) | -0.02 | -0.26 | 0.14 | -0.12 | -1.65 | - |
Diluted Shares Outstanding | 6M | 46.14M | 32.06M | 14.97M | 42.22M | 49.66M |
FLD Balance Sheet
Fold Holdings Inc (FLD) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|
Cash & Short Term Investments | 1.23M | 8.36M | 29.84K | 906.04K | 7.65M | 32.45M |
Cash & Due from Banks | 1.23M | 5.35M | 29.84K | 906.04K | 7.65M | 11.53M |
Short Term Investments | 0 | 3.01M | 0 | 0 | 0 | 0 |
Total Investments | 0 | 3.19M | 0 | 0 | 0 | 0 |
Investments Growth % | - | - | -100% | - | - | -12.36% |
Long-Term Investments | 0 | 177.26K | 0 | 0 | 0 | 159.86M |
Accounts Receivables | 0 | 1.65M | 0 | 0 | 728K | 539.15K |
Goodwill & Intangibles | 0 | 471.53K | 0 | 0 | 0 | 0 |
Goodwill | 0 | 0 | 0 | 0 | 0 | 0 |
Intangible Assets | 0 | 471.53K | 0 | 0 | 0 | 0 |
PP&E (Net) | 0 | 0 | 0 | 0 | 0 | 0 |
Other Assets | 223.53M | 0 | 165.65M | 51.29M | 135.35M | 58.35M |
Total Current Assets | 1.64M | 11.77M | 306.06K | 926.45K | 18.12M | 19.98M |
Total Non-Current Assets | 223.53M | 648.79K | 165.65M | 51.29M | 135.35M | 58.35M |
Total Assets | 225.17M▲ 0% | 12.42M▼ 94.5% | 165.96M▲ 1236.6% | 52.22M▼ 68.5% | 153.47M▲ 193.9% | 78.33M▲ 0% |
Asset Growth % | - | -94.49% | 1236.56% | -68.54% | 193.91% | 458.42% |
Return on Assets (ROA) | -0.05% | -10.08% | 4.98% | -1.71% | -67.67% | -32.99% |
Accounts Payable | 77.13K | 302.14K | 0 | 533.2K | 704.79K | 1.65M |
Total Debt | 0 | 0 | 2.02M | 5.74M | 0 | 0 |
Net Debt | -1.23M | -5.35M | 2M | 4.84M | -7.65M | -11.53M |
Long-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 |
Short-Term Debt | 0 | 0 | 2.02M | 5.74M | 0 | 0 |
Other Liabilities | 8.86M | 8.73M | 166.88M | 51.25M | 69.37M | 0 |
Total Current Liabilities | 93.58K | 4.31M | 3.39M | 9.29M | 21.11M | 41.98M |
Total Non-Current Liabilities | 8.86M | 9.38M | 166.88M | 51.25M | 69.37M | 0 |
Total Liabilities | 8.95M | 13.68M | 170.27M | 60.54M | 90.48M | 41.98M |
Total Equity | 216.22M▲ 0% | -1.27M▼ 100.6% | -4.31M▼ 240.0% | -8.32M▼ 93.0% | 62.99M▲ 856.8% | 36.35M▲ 0% |
Equity Growth % | - | -100.59% | -240.02% | -93.03% | 856.83% | 1892.16% |
Equity / Assets (Capital Ratio) | 96.03% | -10.21% | -2.6% | -15.94% | 41.04% | 46.41% |
Return on Equity (ROE) | -0.06% | -11.14% | - | - | -254.59% | -70.61% |
Book Value per Share | 36.06 | -0.03 | -0.13 | -0.56 | 1.49 | 0.73 |
Tangible BV per Share | 36.06 | -0.04 | -0.13 | -0.56 | 1.49 | 0.73 |
Common Stock | 222.2M | 707 | 959 | 959 | 4.85K | 5.08K |
Additional Paid-in Capital | 0 | 27.82M | 6.98M | 6.01M | 233.92M | 236.45M |
Retained Earnings | -5.98M | -29.09M | -11.3M | -14.33M | -170.94M | -200.11M |
Accumulated OCI | 0 | 0 | 0 | 0 | 0 | 0 |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 1.24K | 0 | 0 | 0 | 0 |
FLD Cash Flow Statement
Fold Holdings Inc (FLD) cash flow — operating, investing & free cash flow history
| Metric | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|
Cash from Operations | -712.14K | -1.49M | -5.08M | -3.43M | -16.12M | -17.76M |
Operating CF Growth % | - | -109.51% | -240.66% | 32.44% | -369.48% | -11965.75% |
Net Income | -119.99K | -11.97M | 4.44M | -1.87M | -69.59M | -49.88M |
Depreciation & Amortization | 0 | 182.79K | 0 | 434.7K | 557.98K | 622.99K |
Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 |
Other Non-Cash Items | 92.17K | 2.52M | -10.5M | -1.65M | 36.86M | 17.36M |
Working Capital Changes | -684.32K | 7.77M | 973.1K | -352.11K | 6.09M | 7.64M |
Cash from Investing | -266.64M | -4.48M | 99.81M | 117.32M | -8.97M | 6.06M |
Purchase of Investments | 0 | -4.15M | -3.41M | 0 | -8.02M | -7.17M |
Sale/Maturity of Investments | 0 | 0 | 0 | 0 | 0 | 14.38M |
Net Investment Activity | 0 | -4.15M | -3.41M | 0 | -8.02M | 7.21M |
Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 |
Other Investing | -266.64M | 0 | 103.21M | 117.32M | 0 | 0 |
Cash from Financing | 268.82M | 6.98M | -94.77M | -113.01M | 14.41M | 11.53M |
Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 |
Share Repurchases | 0 | -21.88K | -96.79M | -116.72M | 0 | 0 |
Stock Issued | 0 | 0 | 0 | 0 | 4.37M | 331.44K |
Net Stock Activity | 0 | -21.88K | -96.79M | -116.72M | 4.37M | 331.44K |
Debt Issuance (Net) | 0 | 1000K | 500K | 1000K | 1000K | -1000K |
Other Financing | 268.82M | 0 | 1.52M | 0 | 39.27K | 13.36M |
Net Change in Cash | 1.47M▲ 0% | 1M▼ 31.9% | -42.91K▼ 104.3% | 876.2K▲ 2142.0% | -10.68M▼ 1318.7% | -173.08K▲ 0% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 0 | 4.35M | 72.75K | 29.84K | 18.33M | 7.65M |
Cash at End | 1.47M | 5.35M | 29.84K | 906.04K | 7.65M | 11.53M |
Interest Paid | 0 | 0 | 0 | 0 | 5.18K | 0 |
Income Taxes Paid | 0 | 11.08K | 2.77M | 496K | 6.14K | 2.66M |
Free Cash Flow | -712.14K▲ 0% | -1.82M▼ 155.6% | -5.08M▼ 179.2% | -3.43M▲ 32.4% | -16.12M▼ 369.5% | -18.91M▲ 0% |
FCF Growth % | - | -155.62% | -179.2% | 32.44% | -369.48% | -130.92% |
FLD Banking Ratios
Fold Holdings Inc (FLD) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
Return on Equity (ROE) | -11.14% | - | - | -254.59% | -70.61% |
Return on Assets (ROA) | -10.08% | 4.98% | -1.71% | -67.67% | -32.99% |
Net Interest Margin | 0% | 6.75% | 4.82% | -3.72% | -2.76% |
Efficiency Ratio | 12.02% | - | - | 131.58% | 158.08% |
Equity / Assets | -10.21% | -2.6% | -15.94% | 41.04% | 46.41% |
Book Value / Share | -0.03 | -0.13 | -0.56 | 1.49 | 0.73 |
NII Growth | -100% | - | -77.52% | -326.6% | -832.48% |
Dividend Payout | - | - | - | - | 0% |
Related:FLD Dividend History·FLD Revenue History·FLD Price History·FLD P/E History·FLD Financial Ratios·FLD Institutional Holders
FLD SEC Filings & Documents
Fold Holdings Inc (FLD) SEC filings — annual & quarterly reports (10-K, 10-Q)
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 $49.9M 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 -3.7%. 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.