EN DE
Check 35,000+ stocks against 26 valuation models and 37 quality factors
Data-driven stock valuation

Fold Holdings, Inc. Class A (FLD) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Fold Holdings, Inc. Class A $0.69, price $0.56, upside +23.1%, quality 25 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? No
  3. Add to watchlist

Financial Services · US · ISIN US34422L1098

FH Fold Holdings, Inc. Class A logo Thin data Sep 23, 2026

Fold Holdings, Inc. Class A

FLD · US

SpeculativeUpside exists, but weak quality makes the signal speculative.

✓Fair value $0.6885 · Undervalued (+23%)
!Quality 25/100
!Expensive Growth (revenue 3y +3.3 %/yr)
!Loss-making · -164.6% net margin (TTM)
!negative free cash flow
!Trails peers (3/9)
!Narrow moat 5/100
!Evidence only low, so the estimate is less certain
Watch Fold Holdings, Inc. Class A Common Stock for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card. Watch for free Pro now: $1 first month

What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$11.38 $0.3800 Fair Value $0.6885 Feb 2022 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

55‑month range $0.3800 – $11.38 · fair‑value band $0.5185 – $1.03 · the $0.5592 price screens below the $0.6885 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.

Follow Fold Holdings, Inc. Class A Common Stock in your weekly email

Every Wednesday you see whether Fold Holdings, Inc. Class A Common Stock is on track or worth a review, plus price against fair value. Free, up to 3 stocks.

We send you a confirmation link. Unsubscribe with one click.

Which stocks are undervalued right now? Check free Discover now →

Company profile

Fold Holdings, Inc., a bitcoin financial services company, provides access to bitcoin through a suite of consumer financial products in the United States. Its financial services platform allows consumers to accumulate, save, and use bitcoin to accomplish financial goals.

Show more

Fold Holdings, Inc., a bitcoin financial services company, provides access to bitcoin through a suite of consumer financial products in the United States. Its financial services platform allows consumers to accumulate, save, and use bitcoin to accomplish financial goals. The company offers consumers an FDIC insured checking account, a Visa prepaid debit card, bill payments services, and an extensive catalog of merchant reward offers, as well as partners with third-party service providers that offer bitcoin exchange and custody services. It also invests in and accumulates bitcoin for treasury. The company offers its products and services through the Fold mobile application. Fold Holdings, Inc. was founded in 2019 and is headquartered in Phoenix, Arizona.

Stock analysis

Fold Holdings, Inc. Class A Common Stock (FLD) currently trades at $0.5592, while our model-based Fair Value estimate is $0.6885, implying the stock looks roughly 18.8% undervalued today.

Show more

Valuation

How firm this estimate is: it rests on 1 models at a data quality of 91/100, which puts the evidence level at low.

Scenario range: $0.5185 (bear) to $1.03 (bull), the price of $0.5592 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 25/100 (below-average quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Fold Holdings, Inc. Class A Common Stock reported revenue of $31.8M in FY2025 versus $28.9M in FY2022, a compound +3.3%/yr. Reported net income was −$69.6M in FY2025.

Key figures

Market cap $28.9M · P/S ratio 0.96 · EPS (TTM) $−0.3200 · Net margin −165% · Return on equity −92.2% · Return on assets (EBIT) −21.8% · Operating margin −167% · Revenue (TTM) $30.3M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 27 out of 100 (low confidence).

What moves the price

The share trades about 86% below its 52-week high and 47% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −20% fair-value upside, at 23%, FLD screens cheaper than that median.

Fair Value models

Bear $0.5185 Fair Value $0.6885 Bull $1.03
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
NCAV (Graham) $0.6200 $0.8300 $1.24 51
All 1 models by family
Asset-Based
NCAV (Graham) $0.6200 $0.8300 $1.24 51

Open the full fair value analysis →

Notify me when FLD reaches fair value

Put FLD on your watchlist. We get in touch as soon as price and fair value meet or the trend turns.

Set up alert →

Quality Score breakdown

Overall quality 25/100

Of which business quality 30 · Market factors (momentum, volatility) 24

Profitability 4
Margins and returns on capital today
Quality Growth 40
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 55
Balance sheet, leverage, solvency risk
Investment 47
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 20
Price trend over the last 3–12 months (market factor)
52W Momentum 2
Distance to the 52-week high (market factor)
Net Issuance 50
Share count: buybacks or dilution?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 19/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+33.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.3%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−35.8% (2022) → −87.2% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

Watch FLD, get fair value alerts →

Compare Fold Holdings, Inc. Class A Common Stock with another stock

Price, fair value, quality and upside side by side.

Free, no sign-up

Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Capital Markets · 462 stocks

Beats the industry median on 3/8 measures
Overall it trails its industry peers.
Valuation
Quality Score 30 · Bottom 25%
Fair Value upside +23% · Above median
Profitability
Return on assets −15% · Bottom 25%
Net margin (TTM) −165% · Bottom 25%
Operating margin (TTM) −167% · Bottom 25%
Growth and dividend
Revenue growth −21% · Bottom 25%

Valuation Multiplesvs Capital Markets median · lower = cheaper

P/B 0.46× · Cheapest 25%
P/S (TTM) 0.96× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)64 · sector 27
FUTURE (revenue growth)0 · sector 85
PAST (return on equity)0 · sector 30
HEALTH (low debt)0 · sector 95
DIVIDEND (yield)0 · sector 41

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Capital Markets stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Morgan Stanley, a financial holding company, MS $200.18 $312.73 +56%
The Goldman Sachs Group GS $949.49 $756.89 −20%
The Charles Schwab Corporation SCHW $100.35 $117.26 +17%
Interactive Brokers Group IBKR $91.88 $23.37 −75%
Robinhood Markets, Inc HOOD $124.25 $47.73 −62%
Macquarie Group MQG A$242.35 A$75.58 −69%
CITIC Securities Company 600030 ¥26.79 ¥18.35 −32%
Guotai Haitong Securities Co 601211 ¥17.67 ¥19.29 +9%
East Money Information Co 300059 ¥18.77 ¥4.94 −74%
CSC Financial Co 601066 ¥23.67 ¥39.83 +68%

Explore undervalued stocks

More undervalued Financial Services stocks →

All undervalued stocks TechnologyFinancial ServicesHealthcareConsumer CyclicalConsumer DefensiveCommunication ServicesIndustrialsEnergyBasic MaterialsReal EstateUtilities Deeply Undervalued StocksUndervalued High-Quality StocksUndervalued Blue-Chip StocksUndervalued Small-Cap StocksUndervalued Dividend Stocks

Try a ready-made strategy

Pick a strategy and jump into the live analysis with that exact screen applied.

🥇 Backtested Best 🏆 Big Names ⭐ Top Rated 💎 Quality on Sale 🚀 Profitable Growth 🧊 Quality Compounders 💵 Dividend Stars 📈 Strong Momentum 📉 Fallen Angels ⚖️ Deeply Undervalued 🔍 Small-Cap Gems 🏰 Moat at a Fair Price 💼 Insider Buying 🎩 Buffett-Style Quality 📚 Peter Lynch GARP 🧮 Greenblatt Magic Formula 🛡️ Graham Defensive

Discover tools

Stock screenerFilter by region, size and sector Compare toolTwo stocks side by side Extrinsic Value Calculator…Calculator with industry benchmark Peter Lynch Fair Value Formula &…Calculator with industry benchmark
Run the numbers yourself: free valuation calculators
DCF CalculatorGraham NumberPeter Lynch FormulaDDM CalculatorFama-French ModelIntrinsic Value
For bloggers & editors: embed code + live data

For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.

Fold Holdings, Inc. Class A Common Stock · Fair Value
$0.6885 +19%Fair Value
Calculator →

Cite: Fair Value Calculator (2026). "Fold Holdings, Inc. Class A Common Stock Fair Value". https://www.fairvalue-calculator.com/stock/FLD

Frequently asked questions

Is Fold Holdings, Inc. Class A (FLD) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $0.6885 versus a price of $0.5592, about +23% upside (undervalued).
What is the fair value of FLD?
Our model-based fair value for Fold Holdings, Inc. Class A Common Stock is $0.6885 (as of Sep 23, 2026), built from audited fundamentals. The current price: $0.5592.
What is the quality score of FLD?
Fold Holdings, Inc. Class A Common Stock has a Quality Score of 25/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Fold Holdings, Inc. Class A (FLD)?
Our model-based price target is the fair value of $0.6885 (as of Sep 23, 2026) from 1 valuation models. Cautious scenario $0.5185, optimistic scenario $1.03. It is a calculation from audited fundamentals, not an analyst target.
What is the Fold Holdings, Inc. Class A Common Stock stock forecast for 2026?
Our models put fair value at $0.6885, about +23% upside versus a price of $0.5592 (undervalued). Cautious scenario $0.5185, optimistic scenario $1.03. The calculation is refreshed regularly with new filings.
What is the revenue of Fold Holdings, Inc. Class A (FLD)?
Fold Holdings, Inc. Class A Common Stock reported trailing-twelve-month revenue of about $30.3M (latest available figure, as of Sep 23, 2026).
What is the intrinsic value of Fold Holdings, Inc. Class A (FLD)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Fold Holdings, Inc. Class A Common Stock it is $0.6885 per share (as of Sep 23, 2026), against a price of $0.5592. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is Fold Holdings, Inc. Class A Common Stock stock overvalued or undervalued in 2026?
As of Sep 23, 2026, FLD trades below its calculated fair value: price $0.5592, fair value $0.6885, a gap of about +23% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of FLD?
No. The price is what the market pays today ($0.5592); the fair value is what the company's own numbers justify ($0.6885). For Fold Holdings, Inc. Class A Common Stock the two are $0.1293 per share apart. That gap is exactly why we show both numbers side by side.
How much is Fold Holdings, Inc. Class A Common Stock worth?
The market values Fold Holdings, Inc. Class A Common Stock at about $28.9M (market capitalisation, as of Sep 23, 2026). Per share that is $0.5592; our models calculate a fair value of $0.6885 per share.
What do the bullish and bearish scenarios say about FLD?
Our models span a range for Fold Holdings, Inc. Class A Common Stock: cautious scenario $0.5185, base $0.6885, optimistic $1.03 per share (as of Sep 23, 2026, price $0.5592). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Fold Holdings, Inc. Class A (FLD)?
Balance-sheet figures for Fold Holdings, Inc. Class A Common Stock (as of Sep 23, 2026): return on equity −92.2%. They feed the Quality Score of 25/100, which measures business quality independently of the share price.
How far is FLD from its 52-week high?
Fold Holdings, Inc. Class A Common Stock trades at $0.5592, about 86% below its 52-week high of $4.14 and 47% above the low of $0.3800 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $0.6885 is for.
Which stocks are comparable to Fold Holdings, Inc. Class A Common Stock?
From the same area (Financial Services) we also value Morgan Stanley, a financial holding company,, The Goldman Sachs Group, The Charles Schwab Corporation, Interactive Brokers Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Fold Holdings, Inc. Class A Common Stock stock attractive at the current price?
The data as of Sep 23, 2026: price $0.5592, calculated fair value $0.6885 (+23%), Quality Score 25/100, from 1 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of FLD calculated?
We run Fold Holdings, Inc. Class A Common Stock through 1 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $0.6885, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.2 % above its aggregate fair value. Fold Holdings, Inc. Class A Common Stock currently trades 23 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Fold Holdings, Inc. Class A (FLD)?
The closing price on Sep 23, 2026 was $0.5592. Our model-based fair value is $0.6885, about +23% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Fold Holdings, Inc. Class A Common Stock right now?
A fairly wide model range ($0.5185 to $1.03) leaves room in how you read the outcome. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Fold Holdings, Inc. Class A Common Stock

How large is the market capitalisation of Fold Holdings, Inc. Class A (FLD)?
The market capitalisation of Fold Holdings, Inc. Class A Common Stock is $28.9M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Fold Holdings, Inc. Class A (FLD)?
The price-to-sales ratio of Fold Holdings, Inc. Class A Common Stock is 0.96 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Fold Holdings, Inc. Class A (FLD)?
Earnings per share at Fold Holdings, Inc. Class A Common Stock are $−0.3200. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Fold Holdings, Inc. Class A (FLD)?
The net margin of Fold Holdings, Inc. Class A Common Stock is −165% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Fold Holdings, Inc. Class A (FLD)?
The return on equity (ROE) of Fold Holdings, Inc. Class A Common Stock is −92.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Fold Holdings, Inc. Class A (FLD)?
On an EBIT basis the return on assets of Fold Holdings, Inc. Class A Common Stock is −21.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Fold Holdings, Inc. Class A (FLD)?
The operating margin of Fold Holdings, Inc. Class A Common Stock is −167% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Fold Holdings, Inc. Class A (FLD)?
Revenue at Fold Holdings, Inc. Class A Common Stock is growing −21.1% versus a year earlier (3y avg +3.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Fold Holdings, Inc. Class A (FLD)?
Earnings per share at Fold Holdings, Inc. Class A Common Stock are growing +16.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Fold Holdings, Inc. Class A (FLD) generate?
The free cash flow of Fold Holdings, Inc. Class A Common Stock is −$16.1M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Fold Holdings, Inc. Class A (FLD) carry?
The net debt of Fold Holdings, Inc. Class A Common Stock is $71.0M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed

Watch Fold Holdings, Inc. Class A Common Stock in the live analysis

One click puts Fold Holdings, Inc. Class A Common Stock on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.

Watch for free →

Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.