Fold Holdings Inc (NAS:FLD)

Q4 2025 Fold Holdings Inc Earnings Call Transcript

Mar 17, 2026 / 09:00 PM GMT

Release Date Price: $1.12 (-9.68%)

Transcript 10-K8-K

Key Points

Positve

Fold Holdings Inc (FLD) successfully launched the Bitcoin rewards credit card, which is expected to significantly increase transaction volumes and drive revenue growth.
The company has formed strategic partnerships with Visa and Stripe, enhancing its payment infrastructure and expanding its market reach.
Fold Holdings Inc (FLD) has introduced innovative products like the Bitcoin gift card and Bitcoin bonus program, which have shown promising growth and customer acquisition potential.
The company eliminated all outstanding convertible debt, simplifying its capital structure and improving financial flexibility.
Fold Holdings Inc (FLD) reported a 34% year-over-year increase in full-year 2025 revenues, demonstrating strong growth despite industry challenges.

Negative

The slowdown in Bitcoin activity negatively impacted Fold Holdings Inc (FLD)'s Q4 results, leading to lower transaction volumes.
Launches of the credit card and Bitcoin gift card were delayed due to third-party vendor negotiations, affecting initial growth projections.
The company reported a year-to-date GAAP operating loss of $27.8 million, a significant increase from the previous year.
Bitcoin's price volatility led to reduced engagement and slowed user growth, impacting Fold Holdings Inc (FLD)'s metrics.
The company faces challenges in scaling the credit card program due to the need to fine-tune fraud and risk controls.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

FLD.OQ - Fold Holdings Inc
Q4 2025 Fold Holdings Inc Earnings Call
Mar 17, 2026 / 09:00PM GMT

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Presentation
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Unidentified_1 [1]
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Hello and thank you for standing by.

Welcome to Fold Holdings Inc. 4th quarter 2025 earnings conference call.

At this time, all participants are on the listen-only mode. After the speaker's presentation, there will be a question-and-answer session.

To ask the question during the session, you would need to press 11 on your telephone. You would then hear an automated message advising your hand is raised. To withdraw your question, please press 11 again.

I would now like to hand the conference over to Samir Jane. You may begin.

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Unidentified_2 [2]
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