Fold Holdings, Inc.
FLDNasdaqFinancials · Finance Services · DE · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | |
|---|---|---|---|---|---|
| Revenue | $31.8M | $23.8M | — | — | — |
| Operating income | — | −$2.9M | −$3.7M | −$1.8M | −$100,518 |
| Net income | −$69.6M | −$65.1M | $4.4M | $1.1M | −$99,988 |
| Total assets | $153.5M | $125.7M | $166.0M | $255.7M | $225.2M |
| Total liabilities | $90.5M | $193.5M | $4.5M | $10.4M | $8.9M |
| Equity | $63.0M | −$67.8M | −$4.3M | −$8.5M | −$6.0M |
| EPS (diluted) | $-1.65 | $-11.15 | — | — | — |
| Shares out. | 46.9M | 5.8M | — | — | — |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- −218.9%
- Return on equity
- −110.5%
- Return on assets
- −45.3%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 59.0%
- Debt / equity
- 1.44×
- Book value / share
- $1.34
- Revenue growth (YoY)
- 33.9%
- Net income growth (YoY)
- —
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −34.8%clean
- Piotroski F-Score
- 4/8mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 2 warning● 2 good- Reported a net loss
- Negative operating cash flow
- Revenue is growing year-over-year
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Reeves William Brian PoppicOfficer — Chief Executive Officer | May 28, 2026 | Sell | 8,113 | $0.99 |
| Reeves William Brian PoppicOfficer — Chief Executive Officer | May 26, 2026 | Sell | 9,221 | $1.06 |
| Young Bracebridge H JrDirector | May 27, 2026 | Buy | 10,000 | $1.03 |
| Reeves William Brian PoppicOfficer — Chief Executive Officer | May 21, 2026 | Sell | 7,713 | $1.22 |
| Repass WolfeOfficer — Chief Financial Officer | May 19, 2026 | Option exercise | 695 | — |
| Dickman Thomas JOfficer — Chief Technology Officer | May 19, 2026 | Option exercise | 179 | — |
| Reeves William Brian PoppicOfficer — Chief Executive Officer | May 18, 2026 | Sell | 9,681 | $1.24 |
| Young Bracebridge H JrDirector | May 18, 2026 | Buy | 8,500 | $1.24 |
| Dickman Thomas JOfficer — Chief Technology Officer | May 15, 2026 | Sell | 4,049 | $1.43 |
| Repass WolfeOfficer — Chief Financial Officer | May 1, 2026 | Option exercise | 2,639 | — |
| Dickman Thomas JOfficer — Chief Technology Officer | May 1, 2026 | Option exercise | 18 | — |
| Reeves William Brian PoppicOfficer — Chief Executive Officer | May 1, 2026 | Option exercise | 1,074 | — |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 391,212 | 2.8 | -22.6% |
| Apr 30, 2026 | 505,085 | 4.1 | +13.0% |
| Apr 15, 2026 | 446,928 | 6.4 | +21.8% |
| Mar 31, 2026 | 366,899 | 1.7 | +11.4% |
| Mar 13, 2026 | 329,332 | 2.4 | -22.6% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Regulation FD disclosureMay 27, 2026
- Shareholder voteMay 20, 2026
- Results of operations · Regulation FD disclosureMay 12, 2026
- Regulation FD disclosureMar 23, 2026
- Results of operations · Regulation FD disclosureMar 17, 2026
- Regulation FD disclosureMar 4, 2026
- Entered a material agreement · Terminated a material agreement · New financial obligation · Regulation FD disclosureFeb 27, 2026
- Regulation FD disclosureFeb 13, 2026
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.