Company Deep Dive

Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.

Request Deep Dive(50 Feathers)

FLD

STRONG SELL

Fold Holdings, Inc. · Financial Services · United States · $51M · Avg Vol: $274K/d

2
StockRank
Get insider-trade alerts
Q
7
V
42
M
13
P/E (TTM)
ROE
-92.2%
D/E
0.9x
Dividend %

COMPANY DESCRIPTION

Fold Holdings, Inc. operates a financial technology platform that integrates bitcoin rewards and personal finance services, allowing users to earn bitcoin on everyday purchases. The company occupies a unique niche in the capital markets and consumer fintech space by bridging traditional fiat payment rails with digital assets. Its competitive moat is built on proprietary reward-routing technology and a highly engaged, crypto-native user base.

FINANCIAL SUMMARY (USD)

Year2022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue28.9M023.8M31.8M3.3%30.3M34.4M63.3M41.1%
EPS-0.260.10-1.41-1.65-0.36-0.55-0.68
Shares46.1M46.1M46.1M48.4M+4.9%50.8M
Debt2.0M11.8M78.7M523.3%32.2M
Equity-1.3M161.4M-67.8M63.0M-37.5%
Op CF-1.5M-5.1M-3.3M-16.1M-17.8M
Inv CF-4.5M99.8M-2.5M-9.0M
Fin CF7.0M-94.8M22.7M14.4M
Loading 1Y...
PRICE (1Y)-32.8%
0.380.450.530.600.67Jun 11Jul 6Jul 24
SMA 50SMA 200
Close
$0.45
RSI (14)
44.0
52W High
$4.70
From 52W High
0.1%

SCORE BREAKDOWN

Quality
7
ROIC
-48.3%1.1
ROE
-92.2%1.2
GP/Assets
-8.6%1.1
Op. Margin
-167.0%2.1
FCF/Assets
-7.9%4.8
Piotroski
313.9
Int. Cover
-11.2x6.5
D/E Ratio
0.88x30.3
Current Ratio
0.48x17.1
Value
42
P/E (TTM)
N/A
EV/EBITDA
-1.5x25.0
P/FCF
N/A
P/B
0.6x90.0
P/S
0.7x93.0
Div Yield
N/A
Momentum
13
52W High %
10%0.6
RS 6M
-86%0.3
SMA 50/200
0.37x0.4
EPS Rev 4W
0.0%69.8
EPS Rev 12W
N/A
EPS Improve
-89%2.4
Q Growth
N/A

FUNDAMENTALS

Market Cap
$51M
P/E (Forward)
-0.6x
Gross Margin
-43.8%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of FLD are excluded.

TickerCompanyMkt CapStockRankSignal
FLDFold Holdings, Inc.(you)$51M2STRONG SELL
NAKANakamoto Inc.$85M0STRONG SELL
BGDEBig Digital Energy, Inc.$62M11STRONG SELL
DOMHDominari Holdings Inc.$60M14STRONG SELL
SIEBSiebert Financial Corp.$68M13STRONG SELL
CANGCango Inc.$69M15STRONG SELL
BRRProCap Financial, Inc.$161M3STRONG SELL
GREEVulcan Infrastructure and Power Inc.$52M26SELL
CDChaince Digital Holdings Inc.$234M1STRONG SELL
SLNHSoluna Holdings, Inc.$199M7STRONG SELL

Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%

Fold Holdings, Inc. (FLD) — Stock Score Summary

Fold Holdings, Inc. (FLD) has a MoatMap StockRank of 2/100 based on Quality (7/100), Value (42/100), and Momentum (13/100) factor scores. The current signal is STRONG SELL.

Fold Holdings, Inc. operates a financial technology platform that integrates bitcoin rewards and personal finance services, allowing users to earn bitcoin on everyday purchases. The company occupies a unique niche in the capital markets and consumer fintech space by bridging traditional fiat payment rails with digital assets. Its competitive moat is built on proprietary reward-routing technology and a highly engaged, crypto-native user base.

Key Financial Metrics

Price$0.45
Market Cap$51M
P/E (Forward)-0.60
Price/Book0.56
Return on Equity-92.2%
Return on Invested Capital-48.3%
Debt/Equity0.88x
Gross Margin-43.8%
Operating Margin-167.0%
Revenue Growth-21.1%
Free Cash Flow$-12M

Fold Holdings, Inc. operates in the Capital Markets industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Fold Holdings, Inc.’s (FLD) StockRank?
MoatMap’s StockRank for Fold Holdings, Inc. (FLD) is 2/100, with a Strong Sell signal. It is a composite of Quality (7), Value (42), and Momentum (13) factor ranks across MoatMap’s 20,000+ stock universe.
Does Fold Holdings, Inc. have an economic moat?
Fold Holdings, Inc. (FLD) has a Quality factor score of 7/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Fold Holdings, Inc. a buy, hold, or sell?
MoatMap’s current signal for Fold Holdings, Inc. (FLD) is Strong Sell, based on a StockRank of 2/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Fold Holdings, Inc. in?
Fold Holdings, Inc. (FLD) operates in the Financial Services sector, specifically the Capital Markets industry (United States).