Fold Holdings Inc (FLD)
NASDAQFinancialsFinancial - Capital MarketsSnapshot 2026-09-04
$0.54+9.87%
Close 2026-09-04 · 1-day change
NASDAQFinancialsFinancial - Capital MarketsSnapshot 2026-09-04
QuarterlyIQ Insights · FLD
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue rollout and scale of Fold Bitcoin Rewards Credit Card to drive customer acquisition and ecosystem engagement.
Stated as a priority in 2 of last 2 quarters. Fold Credit Card cardholders increased from approximately 1,000 in 2026-Q1 to over 2,000 in 2026-Q2, more than doubling. Management emphasizes the card as a key customer acquisition engine and is delivering growth consistent with this priority.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 0 of the last 3 quarter-over-quarter moves. Historically, Financials names rated weak grew net income 57% of the time over the next year (vs 60% for the rest of the cohort, n=7680).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“Fold Credit Card currently in Early Access, with more than 2,000 cardholders as of August 11, 2026; cardholders more than doubled from last quarter.”
“More than 1,000 Fold Bitcoin Credit Cards in Circulation; expect continued distribution throughout the year.”
Drive growth and customer acquisition by expanding Fold Bitcoin Gift Card distribution and restructuring economics with partners.
Stated as a priority in 2 of last 2 quarters. Management reports expanded distribution channels for the Bitcoin Gift Card and restructuring efforts to improve economics and retail placement. While no specific revenue figures are provided, the company highlights ongoing commitment and progress consistent with stated growth objectives.
“Bitcoin Gift Card expanded distribution through TikTok Shop, reaching millions; Kroger renewed commitment to Fold program.”
“Fold is restructuring its fee on Bitcoin Gift Cards to accelerate distribution and drive customer acquisition.”
Eliminate secured debt, improve liquidity, and enhance cash flow profile to support growth initiatives and reduce financing risk.
Stated as a priority in 2 quarters including 2026-Q2 and a prior event. The company eliminated $20 million of secured debt and added $25 million of unrestricted capital by 2026-Q2, improving liquidity and reducing monthly interest expenses. This financial strengthening aligns with management's stated goal and shows delivering progress.
“Eliminated $20 million of secured debt and approximately $145 thousand of monthly interest expense; added approximately $25 million of unrestricted capital.”
Expand Fold's financial services platform leveraging Lead Bank partnership to broaden market and generate recurring revenues.
Newly stated in 2026-Q2. Management highlights the Lead Bank partnership as foundational for expanding Fold's financial services platform and broadening the addressable market. No specific financial metrics yet quantify progress, indicating early stage with potential for future delivery.
“Lead Bank partnership expands banking capabilities and enables Fold to participate in the economics of customer deposits.”
Continue expanding distribution to meet high market demand for the new game-changing product.
Over the trailing year it converted 0.17x of net income into operating cash flow.
Not enough signal yet.
Not enough signal to read sensitivity to the broad stock market, the US dollar, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity (low R² over the window).
35 material management or governance events in the past 24 months, led by M&A activity. Historically, Financials names rated volatile grew net income 59% of the time over the next year (vs 56% for the rest of the cohort, n=2797).
Not investment advice. As of 2026-09-04.