Fold (FLD) Stock Price, News & Analysis

Company Overview

Fold, trading under the ticker FLD on the NASDAQ, is a financial technology company specializing in bitcoin rewards and cryptocurrency-based consumer products. The company’s core offering enables users to earn bitcoin on everyday purchases through a prepaid Visa debit card, converting traditional currency transactions into bitcoin rewards at no extra cost. By partnering with major payment networks and merchant platforms, Fold aims to bridge the gap between mainstream spending and digital asset adoption.

Beyond the debit card, Fold offers a mobile application that integrates with the Bitcoin Lightning Network to facilitate faster and more cost-efficient transactions. The app features a marketplace of discount deals and digital gift cards for retailers such as Amazon, Starbucks and Airbnb, allowing users to purchase gift cards at a reduced price while receiving the savings directly in bitcoin. This combination of instant discounts and crypto cashback in sats (bitcoin’s smallest unit) is designed to make bitcoin more accessible and practical for everyday use.

Established in 2019 and headquartered in Atlanta, Georgia, Fold began as a rewards-focused platform before expanding into broader payment services and Lightning-enabled wallets. The company has secured venture backing from leading investors in the blockchain space, enabling strategic collaborations with payment processors and crypto infrastructure providers. Fold currently serves customers across the United States, with aspirations to extend its services to additional regions and support a wider array of payment methods.

Leadership at Fold is anchored by founder and CEO Will Reeves, a veteran of product and engineering roles within the fintech industry. Under Reeves’ guidance, Fold has prioritized regulatory compliance, security and user experience, positioning itself at the intersection of traditional finance and emerging digital asset ecosystems. Through continuous innovation and partnerships, Fold seeks to drive mainstream adoption of bitcoin as a viable, everyday currency.

Key Stats

• Today's Range: $3.25 to $3.36
• 50-Day Range: $3.26 to $4.54
• 52-Week Range: $2.51 to $14.00
• Volume: 75,321 shs
• Average Volume: 291,832 shs
• Market Capitalization: $155.11 million
• P/E Ratio: N/A
• Dividend Yield: N/A
• Price Target: $7.83
• Consensus Rating: Buy

Fold Stock Analysis - MarketRank™

Fold scored higher than 74% of companies evaluated by MarketBeat, and ranked 426th out of 956 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.8 / 5
• Analyst Rating: Buy

Consensus Rating

Fold has received a consensus rating of Buy. The company's average rating score is 3.25, and is based on 3 buy ratings, no hold ratings, and no sell ratings.

Upside Potential

Fold has a consensus price target of $7.83, representing about 136.7% upside from its current price of $3.31.

Amount of Analyst Coverage

Fold has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: N/A
• Proj. Earnings Growth: N/A

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.54% of the float of Fold has been sold short.

Short Interest Ratio / Days to Cover

Fold has a short interest ratio ("days to cover") of 0.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Fold does not currently pay a dividend.

Dividend Growth

Fold does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

1.54% of the float of Fold has been sold short.

Short Interest Ratio / Days to Cover

Fold has a short interest ratio ("days to cover") of 0.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

News and Social Media

• Score: 2.0 / 5
• News Sentiment: 0.63

News Sentiment

Fold has a news sentiment score of 0.63. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 1.08 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 19 news articles for Fold this week, compared to 8 articles on an average week.

Search Interest

Only 1 people have searched for FLD on MarketBeat in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Fold insiders have not sold or bought any company stock.

Percentage Held by Insiders

66.80% of the stock of Fold is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

56.89% of the stock of Fold is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

FLD Stock Analysis - Frequently Asked Questions

How have FLD shares performed this year?

Fold's stock was trading at $11.10 at the beginning of 2025. Since then, FLD stock has decreased by 70.2% and is now trading at $3.31.

How were Fold's earnings last quarter?

Fold Holdings, Inc. (NASDAQ:FLD) released its earnings results on Tuesday, August, 12th. The company reported ($0.18) earnings per share for the quarter, missing analysts' consensus estimates of ($0.10) by $0.08. The company had revenue of $8.18 million for the quarter, compared to the consensus estimate of $8.07 million.
Read the conference call transcript.

Who are Fold's major shareholders?

Fold's top institutional shareholders include Geode Capital Management LLC (0.38%), Baird Financial Group Inc. (0.23%), Osaic Holdings Inc. (0.06%) and DLD Asset Management LP (0.05%).

How do I buy shares of Fold?

Shares of FLD stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

Company Calendar

• Last Earnings: 8/12/2025
• Today: 9/15/2025
• Next Earnings (Estimated): 11/11/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - MISC SVCS
• Sub-Industry: Trading
• Current Symbol: NASDAQ:FLD
• CIK: 1889123
• Web: N/A
• Phone: (215) 701-9555
• Fax: N/A
• Employees: N/A
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Fold: $7.83
• High Price Target: $10.00
• Low Price Target: $6.50
• Potential Upside/Downside: +138.1%
• Consensus Rating: Buy
• Rating Score (0-4): 3.25
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): N/A
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: -$1.87 million
• Net Margins: N/A
• Pretax Margin: -643.67%
• Return on Equity: -49.10%
• Return on Assets: -16.33%

Debt

• Debt-to-Equity Ratio: 0.90
• Current Ratio: 1.60
• Quick Ratio: 1.58

Sales & Book Value

• Annual Sales: $5.19 million
• Price / Sales: 29.64
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: ($0.87) per share
• Price / Book: -3.78

Miscellaneous

• Outstanding Shares: 46,790,000
• Free Float: 15,534,000
• Market Cap: $153.94 million
• Optionable: N/A
• Beta: 0.15