Stock Ratings / Financials / FLD / insiders

RAND (40) GRAN (31) JFU (48) TAOX (23) ⌘ Pro Terminal →

Fold Holdings Inc. (Class A) (FLD) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$0.53 +1.14% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $0.53

Fold Holdings Inc. (Class A) (FLD) carries a Roarable Rating of D- (Sell) with 36/100 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.

📊 Historical Track Record Warning: Scores below 50 (36/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE D- • RED ALERT Cap $29.0M

📤 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 2026-11-02, 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 36/100 at a spot price of $0.53 (+1.14% 1D, market cap $29.0M). Pillar breakdown: Fundamental Cash Engine 3/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 9/20, and SEC Balance-Sheet Forensics 5/20. Across 1096 tracked Financials issuers, FLD ranks #975 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 RAND and GRAN in the Financials sector?

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Within the Financials sector (Finance: Consumer Services), FLD carries a Roarable D- (36/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -35.0%. By comparison, RAND (Rand Capital Corporation) holds a D- grade (40/100 RQD, P/E N/A, ROIC -15.4%, cap $28.5M) and GRAN (Grande Group Limited (Class A)) posts a E grade (31/100 RQD, P/E N/A, ROIC —, cap $28.4M). Among the 5-stock peer group, FLD leads on earnings multiple (N/A) while JFU leads on capital efficiency (0.3% 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 $0 in revenue, -$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: $0.53 (+0.02%)🧬 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 (36/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows (-8.3% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERRED ALERT • D-

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

Each axis scored 0–20

12M PRICE TARGET CONE-9.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FLD)Realized 20D OHLCV Swing Band: ±12.5%

Deterministic 5-Pillar Attribution (36/100 Composite)

🔍 WHY FLD SCORES 36/100 (D-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+10/20 pts (28% 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 (25% 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)

Grade D$0.54-5.6% Next Q

Q2 (-2Q)

Grade D$0.51+0% Next Q

Q3 (-1Q)

Grade E$0.51+3.9% Next Q

Current

Grade D-$0.53-8.3% Hist 90D α

Trajectory: D (44) → D- (36)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 36/100 (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 ($0.56) forces dealer call-delta covering toward $3.89.

🚀 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 36%NO 64%Trade / Inspect Odds →

SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

FLD Smart-Money Thermometer: NET EXECUTIVE TRIMMING / PROFIT-TAKING

Explore All 13F & Congress Whales →

▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (FLD)

No recent open-market Form 4 cluster sales or emergency dumps flagged on FLD. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

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: -60.45%⚡ TESTING RESISTANCE

2026-11-02O $0.52H $0.53L $0.52C $0.53VOL 65.5K

RES: $0.57SUP: $0.51SMA50: $0.53SMA200: $0.95

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

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 #975 of 1096 ⚔️ RAND vs FLD Full Matrix →

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

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Fold Holdings Inc. (Class A) (FLD) ranks #975 by composite RQD confidence (36/100, grade D-) and #1038 by equity capitalization ($29.0M). Within this direct 5-issuer industry benchmark cohort, FLD leads on earnings valuation at N/A trailing P/E, while JFU leads on capital efficiency and profitability with 0.3% ROIC and — gross margin. JFU currently holds the highest overall quantitative score in the immediate peer group at 48/100 (D) compared with FLD at 36/100 (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-	36/100	—	—	-35.0%	+1.14%	$29.0M	Benchmark Subject
RAND Rand Capital Corporation	D-	40/100	—	—	-15.4%	-0.88%	$28.5M	/rand-vs-fld →
GRAN Grande Group Limited (Class A)	E	31/100	—	—	—	+4.39%	$28.4M	/gran-vs-fld →
JFU 9F Inc.	D	48/100	—	—	0.3%	-11.86%	$30.6M	/jfu-vs-fld →
TAOX Tao Synergies Inc.	E	23/100	—	—	-35.0%	-10.44%	$25.7M	/taox-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 $0 (N/A vs. FY2024 revenue of $0 ) , 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	$0	-$69.6M	-$16.1M	-$16.1M	$153.5M	—
FY2024 (FY)	2024-12-31	$0	-$65.1M	-$3.3M	-$3.3M	$125.7M	—
FY2023 (FY)	2023-12-31	$0	$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?

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

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

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

FLD last traded at $0.53 (+1.14% on volume of 80,422 shares), positioning the stock 0.00% above its 50-day simple moving average ($0.53) and -44.21% below its 200-day simple moving average ($0.95). Across its 52-week range of $0.35 to $3.70, FLD sits at the 5.4% percentile with a 14-day RSI of 50.9 (NEUTRAL RANGE) and an implied next-earnings move of ±12.5% ($1.00 to $0.60).

FLD Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Are FLD insiders and hedge funds buying or selling?

Roarable's SEC Form 4 and 13F Whale Thermometer currently classifies FLD leadership and institutional positioning as: NET EXECUTIVE TRIMMING / PROFIT-TAKING.

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 36/100 (D-) ✓ STAGE-C NUMBER FIREWALL VERIFIED

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

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:48:55Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, FLD scores 36 out of 100, earning a D- grade and the verdict "Roarable Sell — Vulnerable Balance Sheet & Flow." The fundamental cash engine pillar scores 3 of 20, reflecting ROIC of -35% and a 0% FCF yield, which indicates the business is not currently generating returns on capital or free cash for shareholders. The whale 13F flow pillar scores 9 of 20 and the insider conviction pillar scores 5 of 20, signaling limited evidence of supportive institutional or insider accumulation in the source data. The macro regime fit pillar scores 9 of 20, with beta at 1.0. The forensic balance sheet pillar scores 10 of 20, reflecting an Altman Z-Score of 2.5, a Piotroski F-Score of 1 out of 9, and a Debt/Equity ratio of 0.5. For a prospective investor evaluating the stock today, the rating points to weak operating economics and a fragile balance sheet as the dominant considerations; any upside case would depend on a sustained change in cash generation that the source data does not currently show.

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$0.0M	$0.0M	$-69.6M	N/A	$-16.1M	$7.7M	N/A
FY 2024	$0.0M	$-2.9M	$-65.1M	N/A	$-3.3M	$18.3M	N/A
FY 2023	$0.0M	$-3.7M	$4.4M	N/A	$-5.1M	N/A	N/A

Per the SEC financials, reported revenue is $0.0M across the displayed periods, with net losses of $-69.6M in FY 2025 and $-65.1M in FY 2024. Operating income was $0.0M in FY 2025 and $-2.9M in FY 2024. Per the Roarable RQD rating, margins are recorded at 0% for gross, operating, and net, and ROIC stands at -35%. Per the RQD forensic balance sheet pillar, the Altman Z-Score is 2.5, the Piotroski F-Score is 1 out of 9, and Debt/Equity is 0.5. Cash declined from $18.3M in FY 2024 to $7.7M in FY 2025.

Recent Catalysts & News Wire Analysis

Per the news wire, TradingView published an estimates-related report on FLD, flagged YELLOW.
Per the news wire, Investing.com reported a CFO sale of $652 in common stock, flagged YELLOW.
Per the news wire, Stock Titan reports that third-quarter results are due before the company's Nov. 10 call, flagged YELLOW.
Per the news wire, CoinMarketCap covered a bitcoin bonus product targeting hourly workers, flagged YELLOW.
Per the news wire, Stock Titan covered a proposed 2,347-share sale that includes funds for vesting taxes, flagged YELLOW.
Per the news wire, Investing.com India published a Form 4 filing dated 26 October, flagged YELLOW.
Per the Butterfly Supply-Chain Graph, the supply chain is listed as NONE, with no butterfly links and no proprietary signals.

Analyst View & Smart Money Ownership

Analyst consensus, price targets, and holder data are not available in source data. The analyst data and holders sections are both empty, so no 13F institutional positions, SEC Form 4 insider trade aggregates, or Congressional trades can be reported from the provided sources. The news wire references a CFO common stock sale and a Form 4 filing, but these are headline-level references only and are not quantified in the holders section.

Open Questions

What is the company's revenue base, given that reported revenue is $0.0M across all displayed periods?
What is the debt balance, since debt is recorded as N/A for every period?
What drove the swing from net income of $4.4M in FY 2023 to net losses in FY 2024 and FY 2025?
What are the Q3 results due before the Nov. 10 call, and how do they compare with the reported annual trend?
What is the scale and purpose of the CFO's common stock sale and the 2,347-share proposed sale relative to total shares outstanding?

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) ↓

🟡 MARKET WIRE TradingView • 14h ago

Fold Holdings, Inc. Estimates – NASDAQ:FLD

TradingView report covering Fold Holdings Inc. (Class A) (FLD) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Investing.com • 17h ago

Fold Holdings CFO repass Wolfe sells $652 in common stock

Investing.com report covering Fold Holdings Inc. (Class A) (FLD) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 20h ago

Third-quarter results are due before Fold's Nov. 10 call

Stock Titan report covering Fold Holdings Inc. (Class A) (FLD) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE CoinMarketCap • 23h ago

Fold Targets Hourly Workers With New Bitcoin Bonus Product

CoinMarketCap report covering Fold Holdings Inc. (Class A) (FLD) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

A proposed 2,347-share sale at Fold Holdings (NASDAQ: FLD) includes funds for vesting taxes.

Stock Titan report covering Fold Holdings Inc. (Class A) (FLD) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Investing.com India • 1d ago

Form 4 Fold Holdings For: 26 October By Investing.com

Investing.com India report covering Fold Holdings Inc. (Class A) (FLD) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

To cover taxes, Fold Holdings (FLD) COO sells 2,347 shares at $0.51.

Stock Titan report covering Fold Holdings Inc. (Class A) (FLD) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Seoul Economic Daily • 1d ago

Demand for AI Field Engineers Jumps 14-Fold in a Year

Seoul Economic Daily report covering Fold Holdings Inc. (Class A) (FLD) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

FLD Bull vs. Bear Conversation Board — What's Your Call at $0.53?

🐂 33% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FLD 🐻 67% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk 🐻 BEARISH 🎯 Target: $0.47 (-11.3%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is FLD (D- • RQD 36/100) a Buy at $0.53?

Welcome to the FLD (Fold Holdings Inc. (Class A)) Roar Pit. Current RQD Composite is 36/100 (Roarable Sell — Vulnerable Balance Sheet & Flow) in Finance: Consumer Services. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

FO ForensicBear Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $0.44 (-17.0%)

Spot @ $0.53

Pump the brakes on FLD — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on FLD, but look at what you are paying: current EV/EBITDA multiples with tightening sector spreads. Unless Fold Holdings Inc. (Class A) expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

DE DeltaGamma_99 Verified K Arena Trader 🐂 BULLISH 🎯 Target: $0.66 (+24.5%)

Spot @ $0.53

FLD cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on FLD, the market is fixating on short-term headline noise in Finance: Consumer Services and ignoring the balance sheet and cash flow trajectory. At $0.53 (52-wk range $0.35 - $3.70), any beat on forward guidance forces shorts and underweight funds to chase.