Fold Holdings, Inc. (FLD)Financial Services | Capital Markets | Phoenix, United States | NasdaqCM
0.53 USD
-0.08
(-13.605%) ⇩
(Aug. 28, 2026, 4 p.m.
EDT)
After hours: 0.54 +0.01 (1.421%) ⇧ (Aug. 28, 2026, 7:37 p.m. EDT) |
Hot Take ↕ | Aug. 22, 2026, 3:30 a.m. EDT
The investment case for Fold Holdings is defined by a stark disconnect between its deteriorating fundamentals and aggressive market speculation. Fundamentally, the business is in freefall: revenue contracted by 25.5% year-over-year, profitability is nonexistent with gross and operating margins deeply negative, and the company is burning cash with no dividend to offset the drag. The multi-year price trajectory confirms this structural decline, having lost over 60% of its value since 2022, driven by a massive 65.6% drop last year. However, the short-term outlook is buoyed entirely by narrative rather than economics. The launch of the Bitcoin credit card has reignited hype, pushing the stock up 130% on news of debt reduction via crypto sales. This sentiment is reflected in the options chain, where traders are positioning for a rally toward the $2.50 mean target, while ignoring the reality that the company is losing money on every transaction. The statistical forecast model correctly identifies a weak downward bias (-13.9%) due to the underlying noise and weakness, but the options flow suggests a contrarian gamble on a crypto-fueled rebound. For a long-term investor, the negative revenue growth and eroding equity value make this a poor buy; for a short-term trader, it remains a high-risk, high-volatility play on the success of their new crypto strategy, not a turnaround of the core business. |
| Model | MAE |
|---|---|
| AutoTheta ✓ | 0.551886 |
| MSTL | 0.592584 |
| AutoARIMA | 0.617617 |
| AutoETS | 0.617619 |
Forecast horizon: 45 days | Selected: AutoTheta
| Forecast Reliability | |
|---|---|
| Score | 33% |
| H-stat | 3.09 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.046 |
| Excess Kurtosis | 0.40 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Debt to Equity Ratio | 39.826 |
| Revenue per Share | 0.569 |
| Market Cap | 29,064,232 |
| Forward P/E | -1.26 |
| Beta | 0.35 |
| Profit Margins | -258.60% |
| Website | https://foldapp.com |
As of Aug. 22, 2026, 3:30 a.m. EDT: Speculators are overwhelmingly bullish on upside potential, evidenced by significant open interest in out-of-the-money calls at strikes of $1.00 and $2.00 across multiple expirations. Conversely, put activity is minimal and concentrated entirely in-the-money, suggesting a lack of hedging against further downside and a speculative bet on a recovery to the $2.00-$4.00 analyst targets.
| Attribute | Value |
|---|---|
| 52 Week Change | -0.8249284 |
| Address1 | 2,942 North 24th Street |
| Address2 | Suite 115, #42035 |
| All Time High | 14.0 |
| All Time Low | 0.355 |
| Ask | 0.6825 |
| Ask Size | 2 |
| Audit Risk | 9 |
| Average Analyst Rating | 1.0 - Strong Buy |
| Average Daily Volume10 Day | 719,450 |
| Average Daily Volume3 Month | 2,403,024 |
| Average Volume | 2,403,024 |
| Average Volume10Days | 719,450 |
| Beta | 0.354 |
| Bid | 0.42 |
| Bid Size | 2 |
| Board Risk | 8 |
| Book Value | 0.568 |
| City | Phoenix |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 10 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 0.5277 |
| Current Ratio | 1.837 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,786,665,600 |
| Day High | 0.62 |
| Day Low | 0.51 |
| Debt To Equity | 39.826 |
| Display Name | Fold |
| Earnings Call Timestamp End | 1,786,482,000 |
| Earnings Call Timestamp Start | 1,786,482,000 |
| Earnings Timestamp | 1,786,478,400 |
| Earnings Timestamp End | 1,794,254,400 |
| Earnings Timestamp Start | 1,794,254,400 |
| Ebitda | -31,102,176 |
| Ebitda Margins | -1.10244 |
| Enterprise To Ebitda | -0.422 |
| Enterprise To Revenue | 0.465 |
| Enterprise Value | 13,123,488 |
| Eps Current Year | -0.98 |
| Eps Forward | -0.42 |
| Eps Trailing Twelve Months | -1.24 |
| Esg Populated | 0 |
| Exchange | NCM |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 0.47774 |
| Fifty Day Average Change | 0.049960017 |
| Fifty Day Average Change Percent | 0.104575746 |
| Fifty Two Week Change Percent | -82.49284 |
| Fifty Two Week High | 4.695 |
| Fifty Two Week High Change | -4.1673 |
| Fifty Two Week High Change Percent | -0.8876039 |
| Fifty Two Week Low | 0.355 |
| Fifty Two Week Low Change | 0.17270002 |
| Fifty Two Week Low Change Percent | 0.48647892 |
| Fifty Two Week Range | 0.355 - 4.695 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,644,417,000,000 |
| Float Shares | 10,497,161 |
| Forward Eps | -0.42 |
| Forward P E | -1.2564286 |
| Free Cashflow | -18,252,180 |
| Full Exchange Name | NasdaqCM |
| Full Time Employees | 43 |
| Fullday Change | -0.0831 |
| Fullday Change Percent | -13.6051 |
| Fullday Price | 0.5352 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,785,542,400 |
| Gross Margins | -0.47775 |
| Gross Profits | -13,478,363 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.66670996 |
| Held Percent Institutions | 0.17006001 |
| Implied Shares Outstanding | 55,077,187 |
| Industry | Capital Markets |
| Industry Disp | Capital Markets |
| Industry Key | capital-markets |
| Ipo Expected Date | 2,025-02-19 |
| Is Earnings Date Estimate | 1 |
| Language | en-US |
| Last Fiscal Year End | 1,767,139,200 |
| Long Business Summary | 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. |
| Long Name | Fold Holdings, Inc. |
| Market | us_market |
| Market Cap | 29,064,232 |
| Market State | CLOSED |
| Max Age | 86,400 |
| Message Board Id | finmb_598928624 |
| Most Recent Quarter | 1,782,777,600 |
| Net Income To Common | -72,956,296 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 33,597,084 |
| Number Of Analyst Opinions | 3 |
| Open | 0.62 |
| Operating Cashflow | -23,212,020 |
| Operating Margins | -1.39809 |
| Overall Risk | 10 |
| Payout Ratio | 0.0 |
| Phone | 866 365 3277 |
| Post Market Change | 0.007499993 |
| Post Market Change Percent | 1.4212607 |
| Post Market Price | 0.5352 |
| Post Market Time | 1,787,960,267 |
| Previous Close | 0.6108 |
| Price Eps Current Year | -0.5384694 |
| Price Hint | 4 |
| Price To Book | 0.92904925 |
| Price To Sales Trailing12 Months | 1.0302035 |
| Profit Margins | -2.58599 |
| Quick Ratio | 1.506 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | strong_buy |
| Recommendation Mean | 1.0 |
| Region | US |
| Regular Market Change | -0.0831 |
| Regular Market Change Percent | -13.6051 |
| Regular Market Day High | 0.62 |
| Regular Market Day Low | 0.51 |
| Regular Market Day Range | 0.51 - 0.62 |
| Regular Market Open | 0.62 |
| Regular Market Previous Close | 0.6108 |
| Regular Market Price | 0.5277 |
| Regular Market Time | 1,787,947,201 |
| Regular Market Volume | 318,407 |
| Return On Assets | -0.16745001 |
| Return On Equity | -1.21821 |
| Revenue Growth | -0.255 |
| Revenue Per Share | 0.569 |
| Sand P52 Week Change | 0.20504117 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 8 |
| Shares Outstanding | 55,077,187 |
| Shares Percent Shares Out | 0.0095999995 |
| Shares Short | 529,539 |
| Shares Short Previous Month Date | 1,784,073,600 |
| Shares Short Prior Month | 869,158 |
| Short Name | Fold Holdings, Inc. |
| Short Percent Of Float | 0.0178 |
| Short Ratio | 2.88 |
| Source Interval | 15 |
| State | AZ |
| Symbol | FLD |
| Target High Price | 4.185 |
| Target Low Price | 0.7 |
| Target Mean Price | 2.46167 |
| Target Median Price | 2.5 |
| Total Cash | 28,386,784 |
| Total Cash Per Share | 0.515 |
| Total Debt | 12,446,041 |
| Total Revenue | 28,212,128 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | -1.24 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 1.48876 |
| Two Hundred Day Average Change | -0.96106 |
| Two Hundred Day Average Change Percent | -0.64554393 |
| Type Disp | Equity |
| Volume | 318,407 |
| Website | https://foldapp.com |
| Zip | 85,016 |