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Fold Holdings (FLD) Fair Value & Analysis

Financial Services · US · Market cap $28.9M

Price$0.4672
Fair Value$0.8300
Upside+77.7%
Quality91/100
Evidence: Low Range $0.6200 – $1.24

Fair value as of: Jun 26, 2026

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Analysis

Fold Holdings (FLD) currently trades at $0.4672, while our model-based Fair Value estimate is $0.8300 — implying the stock looks roughly 77.7% undervalued today. We read business quality at 91/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: low) — always confirm before acting.

About the company

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.

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Frequently asked questions

Is Fold Holdings (FLD) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $0.8300 versus a price of $0.4672 — about +78% (undervalued). Model-based estimate, not financial advice.
What is the fair value of FLD?
Our 21-model fair value for Fold Holdings is $0.8300 (as of Jun 26, 2026), built from audited fundamentals. The current price is $0.4672.
What is the quality score of FLD?
Fold Holdings has a Quality Score of 91/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.