Fold Holdings, Inc. (FLD) Q4 2025 Earnings Call

Concluded Mar 17, 2026

Mar 17, 2026 0 turns

Period: FY2025 Q4
Runtime: —
Sources: 2 artifacts

Revenue · derived Q4 $9.13M +8.2% YoY

Net income · derived Q4 -$34.69M -7232.4% YoY

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Executive readout · one minute

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Bitcoin market downturn and headwinds 88 Fold Bitcoin Rewards Credit Card launch 72 Bitcoin Gift Card and retail distribution 30 App platform rebuild and product velocity 25 Bitcoin bonus enterprise program 22 Operational scaling and risk/fraud management 17

Management tone

Positive

Net tone +45 · low hedging

Grounding quotes

“Fold is not immune to those industry-wide dynamics, and we saw that reflected in our own metrics as revenues, transaction volumes and user growth slowed in Q4.”
“beginning in early October, the Bitcoin ecosystem experienced a noticeable pullback. Bitcoin's price dropped from $124,000 to $87,000 by the end of the year and dropped to as low as $60,000 by early February 2026, representing a more than 50% decline in less than four months”
“We couldn't be more excited as we believe this is a seminal moment in the history of the company.”
“we've removed convertible debt, shown 34% revenue growth year-over-year despite a challenging industry downturn”

Research coverage

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8-K earnings release Filed Mar 17, 2026 10-K report Filed Mar 17, 2026 Company webcastOpen the original investor-relations page

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