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

As of Nov 10, 2026: fair value (intrinsic value) of Fold Holdings, Inc. Class A stock $0.43, price $0.44, that is 1.7% below the price, quality 23 out of 100. Rating: fairly valued. The value is an estimate: none of our valuation models currently carries, it draws on revenue and assets compared with similar companies. Updated daily.

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Financial Services US

FH Fold Holdings, Inc. Class A logo Thin data Nov 10, 2026

Fold Holdings, Inc. Class A

FLD · US
Fairly valued, weak quality

The stock costs about what our calculation considers fair.

Fair value $0.4319 · Fairly valued
Expensive Growth (revenue 3y +3.3 %/yr in USD)
Insiders bought $95,890 (6M) · sold $134,354
Revenue last quarter 26% below a year ago.
Quality 23/100
Negative free cash flow
Trails peers (2/8)
Narrow moat 5/100 · thin data
Thin data
Estimate
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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

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Price vs Fair Value

$11.38 $0.3800 Fair Value $0.4319 Feb 2022 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 10, 2026.

How to read this chart

57‑month range $0.3800 – $11.38 · fair‑value band $0.3239 – $0.5399 · the $0.4395 price screens above the $0.4319 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 10, 2026.

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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.

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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 (FLD) currently trades at $0.4395, while our estimate is $0.4319, so the stock looks roughly fairly valued today (gap 1.8%).

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Valuation

None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Scenario range: $0.3239 (bear) to $0.5399 (bull), the price of $0.4395 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 23/100 (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 $23.8M Micro · P/S ratio 1.02 · EPS (TTM) $−1.56 · Return on equity −122% · Return on assets (EBIT) −21.8% (5-year average) · Operating margin −140% · Revenue (TTM) $28.2M · Revenue growth (YoY) −25.5%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 5 out of 100 (low confidence).

What moves the price

The share trades about 86% below its 52-week high and 16% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −16% fair-value upside, at −2%, FLD screens cheaper than that median.

Fair Value

Bear $0.3239 Fair Value $0.4319 Bull $0.5399
Price $0.4395 · Downside -1.7%
Estimate. None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Quality Score breakdown

Overall quality 23/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 4
How much profit the company makes from its sales and capital
Quality Growth 40
Are margins and returns getting better?
Cashflow 0
Do the profits arrive as real cash?
Financial strength 55
Debt, balance sheet and risk of trouble
Investment 47
Does it invest with discipline instead of growing at any price?
Low Volatility 50
How calm the share price moves, does not count
Price momentum 15
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 1
Distance to the 52-week high, does not count
New shares 0
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 2 officers or directors bought shares worth $95,890, most recently on Sep 11, 2026. Over the same period, 4 people sold shares worth $134,354. Buying cluster

  • SaleThomas J DickmanChief Technology Officer14× since Mar 2, 2026: 7,179 shares, avg. $1.03$7,416Nov 2, 2026
  • SaleWilliam Brian Poppic ReevesChief Executive Officer, 10% owner16× since Mar 2, 2026: 167,324 shares, avg. $0.8267$138,321Nov 2, 2026
  • SaleWolfe RepassChief Financial Officer17× since Feb 19, 2026: 108,655 shares, avg. $1.38$149,866Nov 2, 2026
  • SaleMatt McManusChief Operating Officer3× since Apr 22, 2026: 14,380 shares, avg. $1.18$17,032Oct 22, 2026
  • BuyBracebridge H Young JrDirector4× since Dec 1, 2025: 46,600 shares, avg. $1.23$57,112Sep 11, 2026
  • BuyJonathan KirkwoodDirector, 10% owner105,000 shares at $0.6100$64,050Jun 12, 2026

Plus 26 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 10, 2026. All filings at the SEC ↗

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

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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 · 455 stocks

Beats the industry median on 2/7 measures
Overall it trails its industry peers.
Valuation
Quality Score 23 · Bottom 25%
Fair Value upside −1.7% · Below median
Profitability
Return on assets −45.4% · Bottom 25%
Operating margin (12 months) −139.8% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) −25.5% · Bottom 25%

Valuation Multiplesvs Capital Markets median · lower = cheaper

P/B 0.38× · Cheapest 25%
P/S (12 months) 0.85× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)31 · sector 32
FUTURE (revenue growth)0 · sector 58
PAST (return on equity)0 · sector 31
HEALTH (low debt)0 · sector 94
DIVIDEND (yield)0 · sector 46

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 Compare
Morgan Stanley MS $187.56 $260.72 +39% vs FLD
The Charles Schwab Corporation SCHW $93.03 $117.60 +26% vs FLD
Guotai Haitong Securities Co 601211 ¥16.21 ¥18.02 +11% vs FLD
Nomura Holdings NMR $9.51 $10.17 +7% vs FLD
The Goldman Sachs Group GS $910.19 $766.86 −16% vs FLD
CITIC Securities Company 600030 ¥25.53 ¥20.42 −20% vs FLD
Robinhood Markets, Inc HOOD $81.33 $47.60 −41% vs FLD
Macquarie Group MQG A$249.23 A$123.84 −50% vs FLD
East Money Information Co 300059 ¥18.78 ¥6.72 −64% vs FLD
Interactive Brokers Group IBKR $77.59 $17.48 −77% vs FLD

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Fold Holdings, Inc. Class A Common Stock: fair value per 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 Nov 10, 2026, our estimate of fair value is $0.4319 versus a price of $0.4395, about 2% lower (fairly valued).
What is the fair value of FLD?
Our estimate for Fold Holdings, Inc. Class A is $0.4319 (as of Nov 10, 2026), built from audited fundamentals. The current price: $0.4395.
What is the quality score of FLD?
Fold Holdings, Inc. Class A has a Quality Score of 23/100. 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 calculated price target is the estimate of $0.4319 (as of Nov 10, 2026). Cautious scenario $0.3239, optimistic scenario $0.5399. It is an estimate from revenue and assets compared with similar companies, because none of our valuation models currently carries, not an analyst target.
What is the Fold Holdings, Inc. Class A Common Stock stock forecast for 2026?
Our estimate puts fair value at $0.4319, about 2% lower versus a price of $0.4395 (fairly valued). Cautious scenario $0.3239, optimistic scenario $0.5399. The calculation is refreshed regularly with new filings.
What is the revenue of Fold Holdings, Inc. Class A (FLD)?
Fold Holdings, Inc. Class A reported trailing-twelve-month revenue of about $28.2M (latest available figure, as of Nov 10, 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 it is $0.4319 per share (as of Nov 10, 2026), against a price of $0.4395.
Is Fold Holdings, Inc. Class A Common Stock stock overvalued or undervalued in 2026?
As of Nov 10, 2026, FLD trades above its calculated fair value: price $0.4395, fair value $0.4319, a gap of about −2% (fairly valued). 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 ($0.4395); the fair value is what the company's own numbers justify ($0.4319). For Fold Holdings, Inc. Class A the two are $0.0076 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 at about $23.8M (market capitalisation, as of Nov 10, 2026). Per share that is $0.4395; our models calculate a fair value of $0.4319 per share.
What do the bullish and bearish scenarios say about FLD?
Our models span a range for Fold Holdings, Inc. Class A: cautious scenario $0.3239, base $0.4319, optimistic $0.5399 per share (as of Nov 10, 2026, price $0.4395). 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 (as of Nov 10, 2026): return on equity −121.8%. They feed the Quality Score of 23/100, which measures business quality independently of the share price.
How far is FLD from its 52-week high?
Fold Holdings, Inc. Class A trades at $0.4395, about 86% below its 52-week high of $3.25 and 16% above the low of $0.3800 (as of Nov 10, 2026). Distance from the high says nothing about value: that is what the fair value of $0.4319 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, 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 Nov 10, 2026: price $0.4395, calculated fair value $0.4319 (−2%), Quality Score 23/100. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
Is it still worth investing in stocks now?
The global stock market currently sits 15.1% above its aggregate fair value. Fold Holdings, Inc. Class A itself currently trades above fair value. 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 Nov 10, 2026 was $0.4395. Our estimate is $0.4319, about 2% lower (fairly valued). 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?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. 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

How large is the market capitalisation of Fold Holdings, Inc. Class A (FLD)?
The market capitalisation of Fold Holdings, Inc. Class A is $23.8M. 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 is 1.02 (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 are $−1.56. Earnings per share over the last twelve months: total profit spread across every single share.
What is the return on equity of Fold Holdings, Inc. Class A (FLD)?
The return on equity (ROE) of Fold Holdings, Inc. Class A is −122% (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 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 is −140% (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 is growing −25.5% 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 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 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 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.
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