Earnings summaries and quarterly performance for Fold Holdings.
Research analysts covering Fold Holdings.
Recent press releases and 8-K filings for FLD.
Fold Holdings' Subsidiary Amends Loan Agreement, Increasing Interest Rate and Adjusting Collateral Levels
FLD
Debt Issuance
- On November 19, 2025, Fold Holdings, Inc.'s wholly-owned subsidiary, Fold, Inc., entered into the First Master Loan Agreement Amendment with Two Prime Lending Limited, modifying the terms of their loan agreement.
- The amendment increased the loan's interest rate from 6.5% to 8.5% per annum.
- Key collateral levels were adjusted, with the Initial Collateral Level decreasing from 250% to 160%, the Collateral Call Level from 175% to 135%, and the Liquidation Level from 150% to 115%.
- The loan involves up to $45,000,000 USD in assets, collateralized by Bitcoin, with a maturity date of September 30, 2026.
Nov 24, 2025, 10:30 PM
FLD Reports Q3 2025 Financial Results and Outlines Capital Market Strategies
FLD
Earnings
New Projects/Investments
Debt Issuance
- For Q3 2025, FLD reported a net income of $554,242 and an Adjusted EBITDA of $(4,201,998).
- As of November 7, 2025, FLD had 48,307,642 common shares currently outstanding and 73,032,207 fully diluted shares outstanding.
- The company plans to accumulate bitcoin for its Investment Treasury through a combination of operating cash flows and strategic capital raises, pursuing capital raises for bitcoin only when accretive to shareholders.
- Potential sources of proceeds for capital market strategies include equity purchase facilities, bitcoin-backed loans, public offerings, PIPES, and convertible notes.
- Planned uses of these proceeds include adding bitcoin to the Investment Treasury, accelerating the product roadmap, and general corporate purposes.
Nov 10, 2025, 10:00 PM
Fold Holdings Reports Strong Q3 2025 Results and Prepares for Credit Card Launch
FLD
Earnings
Product Launch
Revenue Acceleration/Inflection
- Fold Holdings reported Q3 2025 net revenues of $7.4 million, a 41% increase year-over-year, and transaction volumes of $235 million, up 43% year-over-year. The company achieved a GAAP net income of $0.6 million, primarily due to a $10.2 million increase in the fair value of its bitcoin investment treasury.
- For the first nine months of 2025, total revenues were $22.7 million, an approximately 48% increase over the prior year, and transaction volumes reached $753 million, up approximately 74%. The company anticipates nearly 50% year-on-year revenue growth for 2025.
- The upcoming Bitcoin Rewards Credit Card, partnered with Visa and Stripe, is targeting general access in Q1 2026 and has a waitlist of over 80,000. This product, along with the expanded distribution of the Bitcoin Gift Card (now in approximately 2,000 Kroger locations), is expected to be a significant driver for customer acquisition and growth.
- As of November 6, 2025, Fold held 1,526 Bitcoin on its balance sheet, valued at approximately $154 million, representing a 53% increase in holdings since February.
Nov 10, 2025, 10:00 PM
Fold Holdings Reports Q3 2025 Financial Results and Provides Product Updates
FLD
Earnings
Product Launch
Revenue Acceleration/Inflection
- Fold Holdings reported Q3 2025 net revenues of $7.4 million, a 41% year-over-year increase, and transaction volumes of $235 million, up 43%. The company achieved a GAAP net income of $0.6 million for the quarter, largely driven by a $10.2 million increase in the fair value of its Bitcoin investment treasury. Year-to-date revenues through September 30, 2025, were $22.7 million, up approximately 48% over the prior year period.
- The company is progressing with its Bitcoin Rewards Credit Card, targeting initial distribution by year-end 2025 and general access in Q1 2026, with a waitlist exceeding 80,000. Additionally, Fold has expanded the distribution of its Bitcoin Gift Card to approximately 2,000 Kroger locations and nearly 400 Steak 'n Shake locations, positioning it as a "no-cost consumer acquisition vehicle".
- As of November 6, 2025, Fold held 1,526 Bitcoin on its balance sheet, valued at approximately $154 million. The company also has access to a $250 million equity purchase facility and a $45 million revolving credit facility, with $5 million drawn from the latter.
Nov 10, 2025, 10:00 PM
Fold Holdings Reports Strong Q3 2025 Results and Strategic Product Launches
FLD
Earnings
Revenue Acceleration/Inflection
Product Launch
- Fold Holdings reported Q3 2025 net revenues of $7.4 million, a 41% increase year-over-year, and GAAP net income of just under $1 million.
- Year-to-date through September 30, total revenues were $22.7 million, up 48% over the first nine months of 2024, with transaction volumes reaching $753 million, a 74% increase.
- The company holds 1,526 Bitcoin on its balance sheet, valued at approximately $154 million as of November 6, 2025.
- Fold is partnering with Visa and Stripe for an upcoming Bitcoin Rewards credit card, expected to launch in Q1 2026, and has rolled out Bitcoin gift cards to 2,000 Kroger locations and Steak 'n Shake.
- Adjusted EBITDA for Q3 2025 was a $4.2 million loss, flat compared to Q3 2024, and the company maintains a healthy balance sheet with $6.7 million in cash and cash equivalents as of September 30, 2025.
Nov 10, 2025, 10:00 PM
Fold Holdings, Inc. Announces Third Quarter 2025 Results
FLD
Earnings
Revenue Acceleration/Inflection
New Projects/Investments
- Fold Holdings, Inc. reported revenue of $7.4 million for Q3 2025, marking a 41% year-over-year increase, and achieved net income of $0.6 million.
- The company's Bitcoin Investment Treasury Holdings stood at 1,526 BTC as of September 30, 2025.
- Key operational metrics for Q3 2025 included a 43% year-over-year increase in Total Transaction Volume to $235 million and Total Active Accounts exceeding 625,000.
- Fold formalized a partnership with Visa and Stripe for the upcoming Fold Bitcoin Rewards Credit Card and secured a $45 million revolving credit facility to increase financial liquidity and accelerate growth initiatives.
Nov 10, 2025, 9:05 PM
Fold Holdings, Inc. Subsidiary Secures $45 Million Revolving Credit Facility
FLD
Debt Issuance
New Projects/Investments
- Fold, Inc., a wholly owned subsidiary of Fold Holdings, Inc., entered into a Master Loan Agreement with Two Prime Lending Limited on October 1, 2025, establishing a revolving credit facility.
- The facility provides for loans in an aggregate principal amount of up to $45,000,000.
- Any amounts borrowed under this facility will bear interest at a rate of 6.5% per annum.
- The facility is secured by a portion of the Borrower's bitcoin collateral, with an initial collateral level of 250% for the first advance and a collateral call level of 175%.
- The company expects to use the borrowed amounts for working capital and general corporate purposes, providing non-dilutive capital to support growth.
Oct 1, 2025, 8:30 PM
Quarterly earnings call transcripts for Fold Holdings.
Ask Fintool AI Agent
Get instant answers from SEC filings, earnings calls & more