Fold (FLD)
Connects everyday spending, bill payments, and purchases with bitcoin rewards.
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Links everyday spending to bitcoin rewards through a prepaid debit card, bill payments, merchant offers, bitcoin purchases, and gift cards. The platform is designed for consumers to accumulate, save, and use bitcoin rather than function as an exchange alone.
Links everyday spending to bitcoin rewards through a prepaid debit card, bill payments, merchant offers, bitcoin purchases, and gift cards. Consumers can accumulate, save, and use bitcoin through the platform; Fold, Inc. operates the financial-services platform under the Nasdaq-listed parent.
The active product set combines prepaid-card rewards, bitcoin buying, bill-payment rewards, and bitcoin gift cards. It relies on third-party partners for bitcoin exchange and custody, while the checking account described in the 2025 filing was FDIC-insured.
Public-market access came through a 2025 combination with FTAC Emerald, a SPAC. The parent trades as FLD, while the operating business continues under Fold, Inc.
Company facts
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| May 13, 2026 | Cantor Fitzgerald | Reiterate | Rating: —Target: — | Target: $1.70 |
| May 13, 2026 | Northland Securities | Target | Target: — | Target: $3.50 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $28.4M · Total debt $12.4M · Total assets $52.5M · Shareholders' equity $31.3M
- Revenue
- $6.1M
- Operating income
- −$7.8M
- Net income
- −$9.7M
No dividends on record.
| Insiders | 35.76% | 18.16M shares | |
|---|---|---|---|
| 9 holders · as of Sep 11, 2026 | |||
| Strategic holders | 59.35% | 30.14M shares | |
| 4 holders · as of Mar 12, 2026 | |||
| Other | 4.89% | 2.49M shares | |
| remainder | |||
50.78M company shares as of Aug 31, 2026 · holders as of their latest filing
Two share counts disagree (55.08M in the company's Sep 22, 2026 report, 50.78M elsewhere); stakes use the report.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Betsy Z. CohenInsider10 percent owner | 30.39% | 5.84M · 8.62M · 976,081 | filed Feb 19, 2025 |
Fulgur Frontier Capital LPStrategic10 percent owner | 27.06% | 13.74M | filed Mar 12, 2026 |
Emerald ESG Advisors, LLCStrategic10 percent owner | 13.15% | 2.41M · 4.27M | filed Feb 19, 2025 |
Ten 31 LLCInstitution | 10.95% | 5.56M | filed Mar 3, 2026 |
SZOP Opportunities I LLCStrategic | 10.56% | 5.36M | filed Feb 17, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Sep 11, 2026 | Bracebridge H. Jr Young | director | +20,000 | $0.5525 |
| Sep 2, 2026 | Wolfe Repass | officer: Chief Financial Officer | −1,342 | $0.4570 |
| Sep 2, 2026 | William Brian Poppic Reeves | 10 percent owner, officer: Chief Executive Officer | −5,781 | $0.4570 |
| Sep 2, 2026 | Thomas J. Dickman | officer: Chief Technology Officer | −6 | $0.4570 |
| Aug 25, 2026 | William Brian Poppic Reeves | 10 percent owner, officer: Chief Executive Officer | −9,427 | $0.4960 |
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Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Fold | $0.5995 | +1.69% | $29.9M | — | — | 1.1 | −25.5% |
| Coinbase | $197.80 | −1.62% | $53.04B | — | 302.6 | 9.6 | −18.5% |
| Block | $77.47 | −0.56% | $46.37B | 139.1 | 16.9 | 1.9 | +9.3% |
| Robinhood Markets | $123.28 | −0.02% | $110.86B | 54.3 | 50.7 | 22.5 | +32.3% |
| PayPal | $52.28 | −0.64% | $45.01B | 9.9 | 9.4 | 1.3 | +4.8% |
| Median | 54.3 | 33.8 | 5.7 | +7.0% |