Fold Holdings, Inc.
FLD
Analytical Summary
Fold Holdings, Inc. faces fundamental challenges with weakness in Return on Common Equity (%). The fundamentals warrant careful consideration of downside risks.
5-Year Financial Trajectory
AnnualBullish Indicators
- No bullish signals detected.
Bearish Risks
- Profit Margin (%)Profit Margin (%) is in the bottom quartile
- Return on Common Equity (%)Return on Common Equity (%) is in the bottom quartile
Health Breakdown
Statement lens
Choose the reporting cadence, isolate a period range, or search directly for a metric.
| Metric | FY 2025 Dec 31, 2025 10-K ↗ | FY 2024 Dec 31, 2024 10-K ↗ | FY 2023 Dec 31, 2023 10-K ↗ | FY 2022 Dec 31, 2022 10-K ↗ | FY 2021 Dec 31, 2021 10-K ↗ |
|---|---|---|---|---|---|
| Revenue Growth YoY (%) |
33.9%
Excellent
Excellent
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
Above avg (+464%)
|
— | — | — | — |
| EPS Growth YoY (%) |
85.2%
Excellent
Excellent
Year-over-year change in earnings per share
Optimal:
> 10%
|
— | — | — | — |
| Net Income Growth YoY (%) |
-6.9%
Weak
Weak
Year-over-year change in net income |
N/M |
298.3%
Excellent
Excellent
Year-over-year change in net income |
N/M | — |
| FCF Growth YoY (%) |
32.8%
Excellent
Excellent
Year-over-year change in free cash flow |
— | — | — | — |
| Metric | FY 2025 Dec 31, 2025 10-K ↗ | FY 2024 Dec 31, 2024 10-K ↗ | FY 2023 Dec 31, 2023 10-K ↗ | FY 2022 Dec 31, 2022 10-K ↗ | FY 2021 Dec 31, 2021 10-K ↗ |
|---|---|---|---|---|---|
| Effective Tax Rate (%) (%) |
-0.0%
Excellent
↓
Excellent
Declining
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
-0.0%
Excellent
↓
Excellent
Declining
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
34.4%
Weak
Weak
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
39.4%
Weak
Weak
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
— |
| Profit Margin (%) (%) |
-218.9%
Weak
Weak
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-1095%)
|
-274.0%
Weak
Weak
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-1346%)
|
— | — | — |
| FCF Margin (%) (%) |
-50.7%
Weak
Weak
Free cash flow as a percentage of revenue
Optimal:
> 10%
|
-14.0%
Weak
Weak
Free cash flow as a percentage of revenue
Optimal:
> 10%
|
— | — | — |
| FCF / Net Income (x) |
0.23x
Weak
↑
Weak
Improving
Free cash flow relative to reported net income
Optimal:
> 1x
|
0.05x
Weak
↓
Weak
Declining
Free cash flow relative to reported net income
Optimal:
> 1x
|
-1.14x
Weak
↓
Weak
Declining
Free cash flow relative to reported net income
Optimal:
> 1x
|
-1.53x
Weak
Weak
Free cash flow relative to reported net income
Optimal:
> 1x
|
5.94x
Excellent
Excellent
Free cash flow relative to reported net income
Optimal:
> 1x
|
| Metric | FY 2025 Dec 31, 2025 10-K ↗ | FY 2024 Dec 31, 2024 10-K ↗ | FY 2023 Dec 31, 2023 10-K ↗ | FY 2022 Dec 31, 2022 10-K ↗ | FY 2021 Dec 31, 2021 10-K ↗ |
|---|---|---|---|---|---|
| Return on Invested Capital (%) | — | — |
56.8%
Excellent
↑
Excellent
Improving
Return earned on debt + equity capital invested
Optimal:
> 10%
|
12.7%
Good
Good
Return earned on debt + equity capital invested
Optimal:
> 10%
|
1.3%
Weak
Weak
Return earned on debt + equity capital invested
Optimal:
> 10%
|
| Return on Capital (%) (%) | — | — |
-2.2%
Weak
↓
Weak
Declining
Operating profit relative to total assets
Optimal:
> 10%
|
-0.7%
Weak
Weak
Operating profit relative to total assets
Optimal:
> 10%
|
-0.0%
Weak
Weak
Operating profit relative to total assets
Optimal:
> 10%
|
| Return on Common Equity (%) (%) |
-110.5%
Weak
↓
Weak
Declining
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-1021%)
|
96.0%
Excellent
↑
Excellent
Improving
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Above avg (+700%)
|
-103.1%
Weak
↓
Weak
Declining
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-959%)
|
-13.1%
Weak
Weak
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-209%)
|
1.7%
Weak
Weak
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-86%)
|
| Metric | FY 2025 Dec 31, 2025 10-K ↗ | FY 2024 Dec 31, 2024 10-K ↗ | FY 2023 Dec 31, 2023 10-K ↗ | FY 2022 Dec 31, 2022 10-K ↗ | FY 2021 Dec 31, 2021 10-K ↗ |
|---|---|---|---|---|---|
| Sales/Revenue/Turnover (USD) | $31.79M | $23.75M | — | — | — |
| Net Income, GAAP (USD) | $-69.59M | $-65.09M | $4.44M | $1.12M | $-99.99K |
| Operating Cash Flow (USD) | $-16.12M | $-3.31M | $-5.08M | $-1.70M | $-593.45K |
Secondary lens
Benchmark Lens
Compare FLD against peers after checking the statement evidence.
Open lens
Benchmark Lens
Compare FLD against peers after checking the statement evidence.
Signals
Key bullish and bearish indicators for FLD
No bullish signals detected
Profit Margin (%) is in the bottom quartile
Return on Common Equity (%) is in the bottom quartile
Percentile Rankings
How FLD compares to all companies
Peer Comparison
FLD vs similar peers
Compare FLD with peers
Stack FLD against similar companies across every metric on this page.
north_east Open comparisonbar_chart Data from SEC EDGAR XBRL filings
Synced 5 days ago 5 years · 22 quarters