Fold Holdings, Inc., a bitcoin financial services company, provides access to bitcoin through a suite of consumer financial products in the United ...
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Est. EPS $-0.11 · Revenue $7.64M · 2 analysts
Est. EPS $-0.09 · Revenue $9.51M · 2 analysts
Est. EPS $-0.96 · Revenue $28.84M · 2 analysts
Est. EPS $-0.11 · Revenue $10.30M · 1 analysts
EPS $-1.92 · Revenue $7.09M
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $31.8M | — | +8.9% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $-69.6M | -3623.4% | +66.9% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +44.4% | — | +35.5% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | -87.2% | — | +8.9% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | -218.9% | — | +69.6% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $-16.1M | -369.5% | -33.9% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | -50.7% | — | -22.9% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 124.9% | +281.1% | -55.0% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 0.86x | -71.8% | +286.0% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $153.5M | +193.9% | -33.0% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | -1.65 vs -0.99 | -66.2% | -0.19 vs -0.15 | -26.7% |
| Revenue Surprise | $31.8M vs $32.8M | -3.0% | $6.1M vs $7.7M | -20.6% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Aug 25, 2026 | Reeves William Brian Poppic | 10 percent owner, officer: Chief Executive Officer | Common Stock | D | 9,427 | $0.50 |
| Aug 24, 2026 | Reeves William Brian Poppic | 10 percent owner, officer: Chief Executive Officer | Common Stock | D | 8,905 | $0.48 |
| Aug 21, 2026 | Reeves William Brian Poppic | 10 percent owner, officer: Chief Executive Officer | Common Stock | D | 10,045 | $0.49 |
| Aug 20, 2026 | Reeves William Brian Poppic | 10 percent owner, officer: Chief Executive Officer | Common Stock | D | 8,911 | $0.48 |
| Aug 19, 2026 | Reeves William Brian Poppic | 10 percent owner, officer: Chief Executive Officer | Common Stock | D | 9,480 | $0.45 |
Operator: Ladies and gentlemen, thank you for standing by. Welcome to Fold's second quarter 2026 earnings call. [Operator Instructions] Please be advised that today's conference is being recorded. I would like now to turn the conference over to Samir Jain, Investor Relations. Please go ahead. Samir Jain: Thank you, operator. Good afternoon and thank you for joining us for Fold Holdings' second quarter 2026 earnings call. Joining me on the call today are Chairman and CEO Will Reeves and CFO Wolfe Repass. Before we begin, please note that the information reported on this call speaks only as of today, August 11, 2026, and therefore any time-sensitive information may no longer be accurate as of the time of any future replay, listing, or transcript reading. A replay of today's call will be available by webcast on the company's website at https://investor.foldapp.com and more information on how to access this replay feature will be included in the company's earnings release. Comments on this call may contain forward-looking statements within the meaning of the U.S. federal securities laws. These statements are based on our current expectations and beliefs and are subject to risks and uncertainties that could cause actual results, products, activities, or timeframes to differ materially. For example, statements suggesting or implying the company's ability or positioning for growth, as well as any statements which indicate future dates or timeframes, are forward-looking statements and inherently uncertain. In some cases, you may identify forward-looking statements by terms such as believe, expect, potential, should, plan, or similar terminology. But any statement that is not a statement of a historical fact may be a forward-looking statement. These statements reflect the current views of Fold's management and are not guarantees of future performance. Please refer to Fold's Form 10-K and other filings within the SEC for discussion of risks and uncertainties that may affect our upcoming results, future plans, and product rollouts, among other things. We will discuss certain non-GAAP financial measures during this call. These measures should not be considered a substitute for GAAP results. A reconciliation of comparable GAAP measures is included in our earnings release and SEC filings. With that, I'll pass the call to Fold CEO, Will Reeves. William Reeves: Good afternoon, everyone, and thank you for joining us. Fold is entering an important new chapter. Over the past year, we've invested across consumer credit, banking infrastructure, merchant distribution, rewards, and new revenue engines. Today much of that foundation is in place, and over the next few months investors will begin to see those investments come together. Our credit card is performing well in early access. We've eliminated our secured debt and increased our financial flexibility. We've established the banking infrastructure to participate in the economics of customer deposits, and we're …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
William Reeves | Founder, Chief Executive Officer & Chairman of the Board | USD 550,525 | Male | 1989 | Active |
Wolfe Repass | Chief Financial Officer | USD 430,863 | Male | 1990 | Active |
Thomas Dickman | Chief Technology Officer | USD 367,282 | Male | 1991 | Active |
Matthew McManus | Chief Operating Officer | — | Male | 1990 | Active |
Samir Jain | IR & Advisory Executive | — | — | — | Active |
Audrey Bartosh | Corporate Secretary | — | Female | — | Active |
PHOENIX, Aug. 20, 2026 (GLOBE NEWSWIRE) -- We are advised by Fold, Inc. that journalists and other readers should disregard the news release, “Kroger, One of the Largest American Retail and Supermarket Chains, Rolls Out Fold Bitcoin Gift Card™ Program Nationwide,” issued Aug. 19 over GlobeNewswire.
Initial Seasonal Pilot Demonstrated Strong Interest Among Kroger Customers for the Fold Bitcoin Gift Card Reinforcing Fold's Momentum with a Major Retail Distributor Initial Seasonal Pilot Demonstrated Strong Interest Among Kroger Customers for the Fold Bitcoin Gift Card Reinforcing Fold's Momentum with a Major Retail Distributor
Fold Holdings, Inc. (FLD) Q2 2026 Earnings Call Transcript
Fold Holdings, Inc. (FLD) came out with a quarterly loss of $0.19 per share versus the Zacks Consensus Estimate of a loss of $0.16. This compares to a loss of $0.18 per share a year ago.
Revenues: $6.1 million Eliminated $20 million of Secured Debt Over 2,000 Fold Credit Cards Currently in Early Access; up over 100% from last quarter Planned Expansion into Asset-Based Revenue Streams
