Fold Holdings, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Fold Holdings, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Growth Efficiency Ratio: Sales grew 10% in 3 years, but profit fell: $1,976 less profit per $100 of extra sales. Lower than almost all Financial Services companies in United States.
- Tangible Net Worth Ratio: Of every $100 of net worth, $98 is tangible; the rest is goodwill and other intangibles, often from buying other companies. More tangible than 86% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 1/3Sales grew in 2 of the last 3 years; profit grew in 1 of 3.
Less steady than 71% of Financial Services companies in United States.
Growth Efficiency Ratio
−$1,976Sales grew 10% in 3 years, but profit fell: $1,976 less profit per $100 of extra sales.
Lower than almost all Financial Services companies in United States.
Asset Productivity Ratio
+10% / +1136%In 3 years sales changed by +10% while total assets changed by +1136%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
99%Of every $100 the company owns, $99 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 72% of Financial Services companies in United States.
Tangible Net Worth Ratio
98%Of every $100 of net worth, $98 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 86% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Fold Holdings, Inc. made a loss over the last year. Fold Holdings, Inc. owes $0.40 for every $1 it owns. Fold Holdings, Inc. made a loss in each of the last two years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
LossFold Holdings, Inc. made a loss over the last year, so its P/E ratio is not meaningful.
P/B ratio
0.90The share price is 0.90 times Fold Holdings, Inc.'s book value per share, lower than 78% of Financial Services companies in United States.
Market cap
$28 MThe total market value of all of Fold Holdings, Inc.'s shares at today's price (share price × number of shares), smaller than 97% of Financial Services companies in United States. PosiCap size class: Micro Cap.
Net worth (book value)
$31 MWhat Fold Holdings, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$0.57Net worth divided by the number of shares. The share price of $0.51 is 0.9 times this, which is the P/B above.
Return on equity (ROE)
-121.8%Fold Holdings, Inc. lost 121.8% of its shareholders' money over the last year, lower than 97% of Financial Services companies in United States.
Owes vs Owns
0.40×Fold Holdings, Inc. owes $0.40 for every $1 it owns (low), lower than 75% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
NoneFold Holdings, Inc. does not currently pay a dividend.
Revenue growth
+34%Revenue rose 34% in the year to Dec 2025, and grew 3% a year on average over 3 years.
Profit growth
LossFold Holdings, Inc. made a loss in each of the last two years.
Profit margin
-218.9%Fold Holdings, Inc. lost $219 for every $100 of revenue.
Questions
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Fold Holdings, Inc.: $28 M ÷ $31 M (30 Jun 2026) = 0.9.
What is Fold Holdings, Inc.'s return on equity?
Fold Holdings, Inc. lost 121.8% of its shareholders' money over the last year, lower than 97% of Financial Services companies in United States.
How much does Fold Holdings, Inc. owe compared with what it owns?
Fold Holdings, Inc. owes $0.40 for every $1 it owns (low), lower than 75% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Fold Holdings, Inc. pay a dividend?
No. Fold Holdings, Inc. does not currently pay a dividend.
Is Fold Holdings, Inc.'s revenue growing?
Revenue rose 34% in the year to Dec 2025, and grew 3% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.