What is the 13F Pro Quality Score for FLD?

13F Pro ranks Fold Holdings, Inc. (FLD) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View FLD's current score at https://13fpro.ai/research/FLD (free sign-up required for the full ranking).

Where does 13F Pro source FLD data?

All Fold Holdings, Inc. fundamentals and ownership data come directly from SEC EDGAR. Fold Holdings, Inc. files with the SEC under CIK 1889123. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is FLD in?

Fold Holdings, Inc. (FLD) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is FLD research updated on 13F Pro?

FLD's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Fold Holdings, Inc.(FLD)Stock Analysis

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13F Pro Quality Score

7.5/100

Rank #2,832 of 2,879 stocks

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

3.1/100

Profitability

5.1/100

Balance Sheet

4.6/100

Earnings Quality

30.0/100

Free Cash Flow

8.1/100

Institutional Flow

21.9/100

Revenue Scale

6.9/100

Dilution Risk

6.3/100

FLD Stock Analysis & AI Quality Score

AI stock analysis and institutional research for Fold Holdings, Inc. (FLD), a Financials sector company. 13F Pro's AI-powered ranking engine scores FLD at 7.5/100 on a 32-signal composite quality model, placing it at rank #2,832 of 2,879 stocks — the bottom half of the AI-ranked universe. Areas of concern include revenue growth (3.1) and balance sheet strength (4.6), which score below median versus the broader universe. Shareholder dilution risk is elevated at 6.3/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), Fold Holdings, Inc. reports quarterly revenue of $5.6M, net income of $-29.2M, free cash flow of $-6.6M. Top institutional holders of FLD by reported 13-F value include EverSource Wealth Advisors,, VANGUARD CAPITAL MANAGEMENT, Blue Owl Capital Holdings, based on the most recent SEC filings. FLD trades on the Nasdaq exchange and files with the SEC under CIK 1889123. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate FLD daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Fold Holdings, Inc. directly from SEC EDGAR. Fold Holdings, Inc.'s 13F Pro composite quality score has ranged between 7 and 32 since 2026, currently 7.5 — a declining long-term trajectory across 8 quarterly and live scoring snapshots.

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Fun facts about Fold Holdings, Inc.

Quirks, history, and lore behind FLD — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. financial technology company · listed on Nasdaq · headquartered in Utah · focused on consumer payments and rewards.
2
The Numbers
A small-cap firm with modest revenue, it operates in the Bitcoin rewards space — where user engagement, not traditional lending margins, drives the model.
3
The History
Founded in 2019, it launched as a fintech startup right before a global pandemic tested every young company's survival instincts — and it survived by doubling down on crypto-linked products.
4
The Secret
Its flagship product is a Bitcoin rewards debit card — swipe to buy groceries, earn sats instead of airline miles or cash back.
5
The Lore
The company believes in stacking satoshis so deeply that it holds Bitcoin on its own balance sheet, making it a rare breed: part payments company, part crypto treasury play.
6
The Giveaway
Its name literally evokes collapsing crypto into everyday spending — a Bitcoin rewards card company whose ticker, brand, and mission all rhyme with the word for a neat, tidy stack.

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Revenue

Q1 2026

$5.6M

Net Income

Q1 2026

$-29.2M

Free Cash Flow

Q1 2026

$-6.6M

AI Insight: FLD Financial Trends

Fold swung to profitability in mid-2025 but has reverted to losses with deteriorating cash flow in early 2026.

• Net income turned positive in Q2–Q3 2025 ($13M and $1M respectively) before losses resumed in Q4 2025 and Q1 2026 ($-35M and $-29M).

• Revenue remained flat at $6M–$9M per quarter across 2025–Q1 2026, showing no growth trajectory.

• Operating cash flow deteriorated from $-1M to $-2M (Q2–Q3 2024) to $-7M in Q1 2026, deepening cash burn.

⚠ Equity collapsed from $72M (Q1 2025) to $36M (Q1 2026)—a 50% decline in six quarters, signaling shareholder value erosion.

⚠ Q1 2026 marks the second consecutive quarter of large net losses after brief profitability window, suggesting structural challenges.

AI Insight: FLD Ratio Trends

Fold swung from a 164% operating margin in Q2 2025 to reported losses by Q4 2025, signaling severe operational deterioration.

• Operating margin collapsed from 164.2% in Q2 2025 to 7.5% in Q3 2025, then disappeared entirely by Q4 2025.

• ROA fell from 29.5% in Q2 2025 to 1.2% in Q3 2025, then plunged to -90.4% in Q4 2025.

• TTM metrics show -164.6% operating margin and -63.7% ROA, indicating sustained losses across the trailing twelve months.

⚠ Q2 2025's 164% margin appears anomalous; Q3–Q4 pattern suggests normalization or one-time Q2 event. Monitor earnings quality.

⚠ No leverage data (D/E) reported; assess balance sheet solvency amid consecutive quarterly losses.

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Available Research

13F Pro tracks comprehensive data for Fold Holdings, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of FLD

EverSource Wealth Advisors, LLC
$19.2M494,261 sh
VANGUARD CAPITAL MANAGEMENT LLC
$2.3M1,739,664 sh
Blue Owl Capital Holdings LP
$1.1M856,632 sh
GEODE CAPITAL MANAGEMENT, LLC
$399.9K302,936 sh
Union Square Park Capital Management, LLC
$232.6K89,130 sh
CITADEL ADVISORS LLC
$216.3K163,900 sh
AQR CAPITAL MANAGEMENT LLC
$153.5K116,250 sh
Baird Financial Group, Inc.
$138.8K105,150 sh
VANGUARD FIDUCIARY TRUST CO
$137.6K104,214 sh
BlackRock, Inc.
$126.2K95,588 sh

Fund	Value	Shares
EverSource Wealth Advisors, LLC	$19.2M	494,261
VANGUARD CAPITAL MANAGEMENT LLC	$2.3M	1,739,664
Blue Owl Capital Holdings LP	$1.1M	856,632
GEODE CAPITAL MANAGEMENT, LLC	$399.9K	302,936
Union Square Park Capital Management, LLC	$232.6K	89,130
CITADEL ADVISORS LLC	$216.3K	163,900
AQR CAPITAL MANAGEMENT LLC	$153.5K	116,250
Baird Financial Group, Inc.	$138.8K	105,150
VANGUARD FIDUCIARY TRUST CO	$137.6K	104,214
BlackRock, Inc.	$126.2K	95,588

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Is FLD a good stock to buy?

13F Pro's AI-powered analysis of Fold Holdings, Inc. (FLD) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for FLD are available on the FLD stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own FLD?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling FLD. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Fold Holdings, Inc.'s investment landscape.