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Stock Ratings / Financials / FLD / dividends
GRAN (31) RAND (39) AMTD (46) JFU (44) ⌘ Pro Terminal →

Fold Holdings Inc. (Class A) (FLD) Dividend Safety Gauge & 10-Year DRIP Compounder

$0.55 +2.88% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $0.55

Fold Holdings Inc. (Class A) (FLD) carries a Roarable Rating of D- (Sell) with 35/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D- • RED ALERT Cap $29.3M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on FLD Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is FLD stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Fold Holdings Inc. (Class A) (NASDAQ: FLD) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 35/100 at a spot price of $0.55 (+2.88% 1D, market cap $29.3M). Pillar breakdown: Fundamental Cash Engine 3/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 8/20, and Executive Insider Alignment 5/20. Across 1097 tracked Financials issuers, FLD ranks #985 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does FLD compare to GRAN and RAND in the Financials sector?
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Within the Financials sector (Finance: Consumer Services), FLD carries a Roarable D- (35/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -35.0%. By comparison, GRAN (Grande Group Limited (Class A)) holds a E grade (31/100 RQD, P/E N/A, ROIC —, cap $29.6M) and RAND (Rand Capital Corporation) posts a D- grade (39/100 RQD, P/E N/A, ROIC -15.4%, cap $28.2M). Among the 5-stock peer group, FLD leads on earnings multiple (N/A) while AMTD leads on capital efficiency (4.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for FLD?
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Per FLD's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001889123), Fold Holdings Inc. (Class A) generated $64.5M in revenue (+688.2% YoY), -$69.6M in net income, and -$16.1M in free cash flow against $153.5M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $0.55 (+0.33%)🧬 Disciplined Float (+0.72% YoY Shares)⚙️ Cash Engine: 3/20 (E) • 0% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record Warning: Scores below 50 (35/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows (-8.5% avg 90D alpha vs SPY • 29.0% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERRED ALERT • D-
025507510035
3-of-3 JEV AI Jury Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw E · Rk D
Cash (3)Whales (9)SEC (10)Macro (8)CEO (5)
Each axis scored 0–20
12M PRICE TARGET CONE-10.9% Base Target
$4 Bull$0 Base$0 Bear
📬 FREE FLD RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FLD)Realized 20D OHLCV Swing Band: ±12.5%
Deterministic 5-Pillar Attribution (35/100 Composite)
🔍 WHY FLD SCORES 35/100 (D-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+10/20 pts (29% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 1/9

▲ #2 Bullish Driver: Whale & Options Positioning+9/20 pts (26% of score)

20D Institutional Volume Accumulation (±12.5% realized swing band)

▼ #1 Drag / Risk Factor: Cash Engine Quality4/20 pts (-16 pt drag)

Capital intensity & 0% operating margin leave 16 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
27
Grade E$0.54-5.6% Next Q
Q2 (-2Q)
30
Grade E$0.51+0% Next Q
Q3 (-1Q)
32
Grade E$0.51+7.8% Next Q
Current
35
Grade D-$0.55-8.5% Hist 90D α
Trajectory: E (27) → D- (35)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a FLD Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While FLD currently carries a cautious 35/100 (D-) rating due to Cash Engine Quality (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($0.53) and Max Pain ($0.58) forces dealer call-delta covering toward $3.78.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (+0.72% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FLD• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “FLD Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 35%NO 65%Trade / Inspect Odds →
CASH DIVIDEND + BUYBACK YIELD
1.8% Total Yield
0% Cash ($0.00/yr) + 1.8% Buybacks
PAYOUT SAFETY SPEEDOMETER
74/100 • REINVESTING IN GROWTH + BUYBACKS
FREE CASH FLOW PAYOUT RATIO
0% (100% Reinvested)
Retains cash flow for R&D and share repurchases
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (6.8% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $19,307

Est. Year-10 Shareholder Yield: $348/yr
$10.7K
Yr 1
$11.4K
Yr 2
$12.2K
Yr 3
$13.0K
Yr 4
$13.9K
Yr 5
$14.8K
Yr 6
$15.8K
Yr 7
$16.9K
Yr 8
$18.1K
Yr 9
$19.3K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring FLD)

  • ✓Walkthrough of FLD's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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FLD // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -58.96%⚡ TESTING RESISTANCE
2026-11-03O $0.52H $0.55L $0.52C $0.55VOL 80.4K
RES: $0.57SUP: $0.51SMA50: $0.53SMA200: $0.94
$2.91$2.21$1.52$0.83$0.13RES $0.57SUP $0.51$0.552026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FLD Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FLD Butterfly Map → + Track FLD →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. +688.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on FLD today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FLD. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for FLD today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FLD)

Financials Rank #985 of 1097 ⚔️ GRAN vs FLD Full Matrix →

1. Head-to-Head Financials Peer Comparison (FLD vs. GRAN, RAND, AMTD, JFU)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Fold Holdings Inc. (Class A) (FLD) ranks #985 by composite RQD confidence (35/100, grade D-) and #1039 by equity capitalization ($29.3M). Within this direct 5-issuer industry benchmark cohort, FLD leads on earnings valuation at N/A trailing P/E, while AMTD leads on capital efficiency and profitability with 4.9% ROIC and — gross margin. AMTD currently holds the highest overall quantitative score in the immediate peer group at 46/100 (D) compared with FLD at 35/100 (D-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
FLD ACTIVE
Fold Holdings Inc. (Class A)
D- 35/100 — — -35.0% +2.88% $29.3M Benchmark Subject
GRAN
Grande Group Limited (Class A)
E 31/100 — — — +0.84% $29.6M /gran-vs-fld →
RAND
Rand Capital Corporation
D- 39/100 — — -15.4% +0.21% $28.2M /rand-vs-fld →
AMTD
AMTD IDEA Group each representing three hundred sixty (360) (Class A)
D 46/100 — — 4.9% -2.65% $31.3M /amtd-vs-fld →
JFU
9F Inc.
D 44/100 — — 0.3% +4.74% $27.0M /jfu-vs-fld →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001889123 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Fold Holdings Inc. (Class A) (FLD) reported GAAP revenue of $64.5M (+688.2% vs. FY2024 revenue of $8.2M , and +517.1% cumulative change since FY2023) , GAAP net income of -$69.6M, operating cash flow of -$16.1M, and free cash flow of -$16.1M (-386.3% YoY). On the balance sheet, FLD closed FY2025 with $153.5M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 1/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $64.5M -$69.6M -$16.1M -$16.1M $153.5M —
FY2024 (FY) 2024-12-31 $8.2M -$65.1M -$3.3M -$3.3M $125.7M —
FY2023 (FY) 2023-12-31 $10.4M $4.4M -$5.1M -$5.1M — —

3. FLD Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FLD stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Fold Holdings Inc. (Class A) (NASDAQ: FLD) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 35/100 at a spot price of $0.55 (+2.88% 1D, market cap $29.3M). Pillar breakdown: Fundamental Cash Engine 3/20, Institutional 13F & Options Flow 9/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 8/20, and Executive Insider Alignment 5/20. Across 1097 tracked Financials issuers, FLD ranks #985 in composite RQD confidence.

How does FLD compare to GRAN and RAND in the Financials sector?

Within the Financials sector (Finance: Consumer Services), FLD carries a Roarable D- (35/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -35.0%. By comparison, GRAN (Grande Group Limited (Class A)) holds a E grade (31/100 RQD, P/E N/A, ROIC —, cap $29.6M) and RAND (Rand Capital Corporation) posts a D- grade (39/100 RQD, P/E N/A, ROIC -15.4%, cap $28.2M). Among the 5-stock peer group, FLD leads on earnings multiple (N/A) while AMTD leads on capital efficiency (4.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for FLD?

Per FLD's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001889123), Fold Holdings Inc. (Class A) generated $64.5M in revenue (+688.2% YoY), -$69.6M in net income, and -$16.1M in free cash flow against $153.5M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

Where is FLD trading relative to its 50-day, 200-day, and 52-week technical levels?

FLD last traded at $0.55 (+2.88% on volume of 113,745 shares), positioning the stock +3.77% above its 50-day simple moving average ($0.53) and -41.49% below its 200-day simple moving average ($0.94). Across its 52-week range of $0.35 to $3.60, FLD sits at the 6.2% percentile with a 14-day RSI of 50.9 (NEUTRAL RANGE) and an implied next-earnings move of ±12.5% ($1.00 to $0.62).

Direct Sub-Reports: FLD RQD Cockpit FLD 12M Forecast FLD Earnings & Move FLD Dividends & DRIP FLD Insiders & 13F FLD Whale Options FLD Profit Sankey FLD News & Why
ROARABLE RATING BRIEF • RQD 35/100 (D-) ✓ SEC XBRL & RQD VERIFIED

FLD — Fold Holdings Inc. (Class A): What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Fold Holdings Inc. (Class A) (FLD) earns a live Roarable RQD composite score of 35/100, corresponding to a D- letter grade (Roarable Sell) at a spot price of $0.55 (+2.88% 1D, market capitalization $29.3M).

  • Fundamental Cash Engine (3/20): Anchored by return on invested capital (ROIC) of -35.0%, gross margin of —, operating margin of —, and free cash flow yield of —.
  • Whale 13F & Options Flow (9/20) + Insider Conviction (5/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (8/20) + Forensic Balance Sheet (10/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 1/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

. (Class A) (FLD) is a NASDAQ-listed issuer in the Financials sector, operating in Finance: Consumer Services. Per the recent news wire, the company has introduced a bitcoin bonus product aimed at hourly workers. — for detailed revenue sources, customer base composition, or pricing model beyond this headline reference.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Fold Holdings Inc. (Class A) (FLD) reported $64.5M in annual revenue (up from $8.2M in FY2024, +688.2% YoY) and -$69.6M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($10.4M revenue, $4.4M net income) through FY2025, FLD scaled operating cash flow to -$16.1M and free cash flow to -$16.1M, backed by $153.5M in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D- • RQD 35/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of — and institutional whale pillar of 9/20. With Fundamental Cash Engine at 3/20 and Institutional Whale Flow at 9/20, sustained execution supports upside toward the upper end of the $0.35 – $3.60 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Sector correlations, bottleneck mapping, and second-order ripple effects cannot be established from the source data provided.

  • Key Question #1: Can FLD sustain or expand its — operating margin and -35.0% ROIC against Finance: Consumer Services peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $64.5M and free cash flow of -$16.1M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is FLD's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

FLD Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Fold Holdings Inc. (Class A) (FLD) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to FLD Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

FLD Bull vs. Bear Conversation Board — What's Your Call at $0.55?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FLD 🐻 33% BEARISH CONVICTION
1. Pick Your Side on FLD:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MA MacroHawk_NYC RQD DEBATE OPENER • Cross-Asset Macro Desk 🐂 BULLISH 🎯 Target: $0.61 (+15.1%)
📌 Pinned Debate

Price sits near the low end of its $0.35 - $3.7 52-week range with beta at 1.0, leaving room for a rebound if cash generation improves.

Price sits near the low end of its $0.35 - $3.7 52-week range with beta at 1.0, leaving room for a rebound if cash generation improves.. When you look under the hood at FLD, Fundamental Cash Engine is 3/20 with 0.0% gross margins and -35.0% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (9/20) has been quietly accumulating below $3.60. My 12M target is $0.61.

CapAlloc_Nerd 🐂 BULL

@MacroHawk_NYC Agree on the RQD 35/100 quality, though with 1.0 beta I'm scaling in with half-size at $0.53 and keeping dry powder in case we test $0.49.

RE RedlineAuditor RQD DEBATE OPENER • Accounting Quality Watch 🐻 BEARISH 🎯 Target: $0.40 (-24.5%)
Spot @ $0.53

ROIC of -35%, a 0% FCF yield, and an RQD score of 36 point to a weak cash engine and a balance sheet that the rating labels vulnerable.

Here is the bear case nobody on the bull side wants to address on FLD: ROIC of -35%, a 0% FCF yield, and an RQD score of 36 point to a weak cash engine and a balance sheet that the rating labels vulnerable.. At current EV/EBITDA multiples, even a small guidance miss in Finance: Consumer Services triggers a 12-15% air pocket.

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