Fold Holdings, Inc. (NASDAQ:FLD) Short Interest Update

Fold Holdings, Inc. (NASDAQ:FLD) was the target of a large decrease in short interest during the month of January. As of January 15th, there was short interest totaling 327,688 shares, a decrease of 29.1% from the December 31st total of 461,944 shares. Based on an average daily volume of 131,086 shares, the short-interest ratio is currently 2.5 days. Currently, 2.0% of the shares of the stock are short sold. Currently, 2.0% of the shares of the stock are short sold. Based on an average daily volume of 131,086 shares, the short-interest ratio is currently 2.5 days.

Fold Trading Down 11.0%

Shares of Fold stock traded down $0.24 on Friday, reaching $1.94. The company had a trading volume of 138,168 shares, compared to its average volume of 133,571. The firm has a market cap of $93.72 million, a price-to-earnings ratio of -2.59 and a beta of 0.19. The company has a debt-to-equity ratio of 0.87, a current ratio of 1.47 and a quick ratio of 1.44. The firm’s 50-day moving average price is $2.65 and its two-hundred day moving average price is $3.35. Fold has a 1 year low of $1.81 and a 1 year high of $14.00.

Fold (NASDAQ:FLD) last issued its quarterly earnings results on Monday, November 10th. The company reported ($0.15) earnings per share (EPS) for the quarter, missing analysts’ consensus estimates of ($0.12) by ($0.03). The company had revenue of $7.40 million during the quarter, compared to the consensus estimate of $9.20 million.

Key Fold News

Here are the key news stories impacting Fold this week:

• Positive Sentiment: Company roadmap: CEO Will Reeves published an 8‑K letter laying out a clear 2026 plan focused on simplifying the product (eliminating Fold+ subscriptions), clearer pricing, an upgraded app experience, wider retail distribution, and family-oriented features — moves that target higher user retention and long‑term BTC accumulation. Fold Chairman and CEO, Will Reeves, Publishes Letter to Fold Customers
• Positive Sentiment: New credit card product: Fold says it rebuilt its card program with Stripe and Visa and plans to launch a no‑annual‑fee metal credit card earning up to 4% back in bitcoin — a potential customer acquisition and revenue driver if adoption scales. Fold Chairman and CEO, Will Reeves, Publishes Letter to Fold Customers
• Positive Sentiment: Stronger custody & regulatory posture: Fold says customer bitcoin is custodied via a federally regulated national bank and backed by BitGo’s $250M aggregate insurance (subject to conditions) — this improves trust/operational credibility versus many peers. Fold Chairman and CEO, Will Reeves, Publishes Letter to Fold Customers
• Neutral Sentiment: Unrelated consumer tech noise: Multiple media pieces about Apple’s rumored iPhone Fold and Samsung foldable devices circulated recently. These are product rumors in the handset market and do not materially affect Fold’s bitcoin financial‑services business.
  iPhone 18 Pro vs iPhone Fold
  The Crease is Dead
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• Neutral Sentiment: Short interest note: January short interest data in the feed appears to show zero shares (likely a reporting anomaly) and provides no clear signal given very low absolute volumes; treat as not meaningful until clarified.
• Negative Sentiment: Execution risk highlighted: Fold admitted it scrapped its initial credit card build and restarted the program — an operational setback that can pressure near‑term costs and timelines. The CEO’s letter contains standard forward‑looking risk language about regulatory, funding, and bitcoin price volatility that could weigh on sentiment. Fold Chairman and CEO, Will Reeves, Publishes Letter to Fold Customers
• Negative Sentiment: Recent financials: the company reported a Q3 2025 revenue and EPS miss (Nov. 10 filing referenced in public summaries), which increases short‑term expectations risk while Fold executes on its 2026 product relaunches.

Wall Street Analysts Forecast Growth

A number of research firms recently commented on FLD. Wall Street Zen upgraded Fold from a “sell” rating to a “hold” rating in a research report on Sunday, November 30th. Weiss Ratings reiterated a “sell (d)” rating on shares of Fold in a research report on Thursday, January 22nd. One research analyst has rated the stock with a Strong Buy rating, two have issued a Buy rating and one has given a Sell rating to the stock. Based on data from MarketBeat, Fold has a consensus rating of “Moderate Buy” and a consensus price target of $7.83.

Institutional Trading of Fold

A number of hedge funds and other institutional investors have recently added to or reduced their stakes in FLD. DLD Asset Management LP bought a new position in shares of Fold during the second quarter valued at approximately $102,000. FNY Investment Advisers LLC purchased a new position in Fold during the 2nd quarter valued at $29,000. Harvest Portfolios Group Inc. purchased a new position in Fold during the 2nd quarter valued at $43,000. Golden State Wealth Management LLC bought a new position in Fold in the 2nd quarter valued at $25,000. Finally, North Capital Inc. purchased a new stake in Fold in the second quarter worth $30,000. 56.89% of the stock is owned by hedge funds and other institutional investors.

About Fold

Fold, trading under the ticker FLD on the NASDAQ, is a financial technology company specializing in bitcoin rewards and cryptocurrency-based consumer products. The company’s core offering enables users to earn bitcoin on everyday purchases through a prepaid Visa debit card, converting traditional currency transactions into bitcoin rewards at no extra cost. By partnering with major payment networks and merchant platforms, Fold aims to bridge the gap between mainstream spending and digital asset adoption.

Beyond the debit card, Fold offers a mobile application that integrates with the Bitcoin Lightning Network to facilitate faster and more cost-efficient transactions.