FLD · Fold Holdings, Inc.
Market Cap
$29.56M
Shares
55.08M
Volume · Oct 2
101.19K
Avg daily vol (3M)
333.22K
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$0.54
Open$0.53
Day$0.52–0.56
52W close$0.38–4.14
Avg vol 30d495K
Short int639K · 1.2% float · 1.0d
Short vol81%
Last earningsAug 11, 2026
DataFeb 2022–Oct 2026
Filing10-Q · Aug 11
Up next
Next earnings call
Nov 10, 2026
Est · unconfirmed
· in 5 wks
filed Aug 11, 2026
call held Aug 11, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$28.21M
Trailing 12 months
Net income (TTM)
−$72.96M
Trailing 12 months
Revenue growth YoY
-25.5%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
—
Trailing earnings
FCF yield
—
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
$28.39M
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
+9.0%
Year over year · more shares
Price change (1Y)
-86.3%
Trailing year
Short interest
1.2%
Latest settlement · 1.0 days to cover
AI Brief
Q2 FY26 earnings call · Aug 11, 2026
Q2 FY26
TL;DR. Fold reported Q2 revenue of $6.1M, down 26% year-over-year amid continued Bitcoin price weakness, while eliminating $20M of secured debt and more than doubling its credit card early-access base to over 2,000 cardholders as it pivots toward asset-based and banking-partnered revenue streams.
Bullish
- + Fold Credit Card early-access cardholders more than doubled sequentially to over 2,000, with interchange and lending economics meeting or exceeding expectations.
- + Fold eliminated approximately $20M of secured Bitcoin-backed debt, reducing monthly interest expense by ~$145K and adding ~$25M of unrestricted capital.
- + Fold is expanding into asset-based revenue through its Lead Bank partnership and a proprietary bank-grade core ledger, enabling participation in deposit economics.
- + Bitcoin Gift Card distribution expanded via TikTok Shop with strong early engagement, and Kroger renewed its commitment to the program.
Bearish
- − Net loss of $9.7M in Q2 2026 versus net income of $13.4M in the prior-year period, driven in part by increased payroll and contractor expense.
- − Adjusted EBITDA loss widened to negative $5.5M from negative $4.7M a year ago.
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceOverall
Sell
SellHoldBuy
Technical
Sell
Momentum
Weak
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Very High
Market backdrop
VIX 15.3 · calm
Equity put/call 0.58
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
−54%
below
Price vs 50-day avg
+7%
above
RSI (14)
52
neutral
MACD trend
Negative
52-week position
4%
near low
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+10%
trailing
6-month return
−53%
trailing
YTD return
−79%
this year
Relative strength
−65%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $1 › 200d $1 — 200d above 50d
Institutional flow
Distributing
-11% holders QoQ · +15 funds added
Insider flow
Distributing
Net -$25.4K over 90 days · 80% sells
Short interest
Falling
1.16% of float · ▼ -16.9% MoM · 1.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
73 holders — mid 3-yr range
Squeeze score
44
elevated · 0–100
Fundamentals
Revenue growth
+34%
Y/Y
EPS growth
+85%
Y/Y
Quant / Vol
risk profile
Volatility
102%
annualized · 1-yr
Max drawdown
−91%
past year
ATR
9.3%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Sell
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
−54%
Bearish
Price vs 50-day avg
+7%
Bullish
RSI (14)
52
Neutral
MACD trend
Negative
Bearish
52-week position
4%
Bearish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bearish · 2 of 6
Trend (MA cross)
No cross
50d $1 › 200d $1 — 200d above 50d
Institutional flow
Distributing
-11% holders QoQ · +15 funds added
Insider flow
Distributing
Net -$25.4K over 90 days · 80% sells
Short interest
Falling
1.16% of float · ▼ -16.9% MoM · 1.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
73 holders — mid 3-yr range
Price context
position in its 52-week range
Range low $0
Now $1 · 4%
Range high $4
vs 200-day avg -54%
vs 50-day avg +7%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted EBITDA (loss) non-GAAP | -$11,215,887 | Six Months Ended June 30, 2026 | — |
| Adjusted EBITDA (Loss) Per Share non-GAAP | -$0.11 | Q2 2026 | — |
| Adjusted EBITDA (loss) per share attributable to common stockholders - Basic and diluted non-GAAP | -$0.22 | Six Months Ended June 30, 2026 | — |
| Bitcoin Investment Treasury Holdings | 194 | Q2 2026 | — |
| Fold Credit Card cardholders | 2,000 | Q2 2026 | — |
| Total Transaction Volume | $165M | Q2 2026 | — |
| Total Verified Accounts | 87,000 | Q2 2026 | — |
| Transaction Volume | $55M | the three months ended June 30, 2026 filing | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Capital Markets — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
FLD
this stock
Fold Holdings, Inc.
|
$29.56M | -79.3% | +33.9% | — | 1.2% |
|
MS
Morgan Stanley
|
$308.32B | +7.2% | +5.5% | 15.9 | 0.9% |
|
GS
Goldman Sachs Group Inc
|
$272.38B | +2.7% | +8.9% | 14.4 | 2.4% |
|
SCHW
Schwab Charles Corp
|
$171.26B | -3.2% | +22.0% | 18.0 | 1.1% |
|
HOOD
Robinhood Markets, Inc.
|
$107.35B | -0.3% | +51.6% | 52.8 | 4.0% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| FLD | +0.7% | +10.4% | -53.0% | +1.6% | -79.3% |
| SPY | -0.2% | -0.5% | +12.2% | +0.9% | +12.9% |
| vs SPY | +1.0% | +10.9% | -65.1% | +0.7% | -92.1% |