Fold Holdings's Days Sales Outstanding for the
three
months ended in Mar. 2026 was 10.34.
Fold Holdings's Days Inventory for the
three
months ended in Mar. 2026 was 4.54.
Fold Holdings's Days Payable for the
three
months ended in Mar. 2026 was 11.4.
Therefore, Fold Holdings's Cash Conversion Cycle (CCC) for the
three
months ended in Mar. 2026 was 3.48.
Generally, the lower this number is, the better for the company. Although it should be combined with other metrics (such as ROE % and ROA %), it can be especially useful for comparing close competitors, because the company with the lowest CCC is often the one with better management.
Be Aware
CCC is most effective with retail-type companies, which have inventories that are sold to customers. Consulting businesses, software companies and insurance companies are all examples of companies for whom this metric is meaningless.
The CCC is one of several tools that can help you evaluate management, especially if it is calculated for several consecutive time periods and for several competitors. Decreasing or steady CCCs are good, while rising ones should motivate you to dig a bit deeper.
Fold Holdings Cash Conversion Cycle Related Terms
Fold Holdings Cash Conversion Cycle Historical Data
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The historical data trend for Fold Holdings's Cash Conversion Cycle can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FLD vs PLUT, MATH, HGBL: Cash Conversion Cycle Comparison
For the Capital Markets subindustry, Fold Holdings's Cash Conversion Cycle, along with its competitors' market caps and Cash Conversion Cycle data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Fold Holdings Cash Conversion Cycle vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, Fold Holdings's Cash Conversion Cycle distribution charts can be found below:
* The bar in red indicates where Fold Holdings's Cash Conversion Cycle falls into.
Cash Conversion Cycle (CCC) measures how fast a company can convert cash on hand into even more cash on hand. This metric looks at the amount of time needed to sell inventory, the amount of time needed to collect receivables and the length of time the company is afforded to pay its bills without incurring penalties.
Cash Conversion Cycle is one of several measures of management effectiveness.
Fold Holdings's Cash Conversion Cycle for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Fold Holdings (FLD) has a Cash Conversion Cycle of 3.48 as of Mar. 2026. Cash conversion cycle equals sum of days inventory and days sales outstanding less days payable. View historical data on Fold Holdings and its competitors.
Is Fold Holdings' Cash Conversion Cycle too high?
Fold Holdings' current Cash Conversion Cycle is 3.48. The Capital Markets industry median Cash Conversion Cycle is 1.64. Fold Holdings' value of 3.48 is 112.8% above this industry median. Overall, Fold Holdings has a GF Score™ of 8/100, reflecting its overall financial health beyond just this single metric.
How does Fold Holdings' Cash Conversion Cycle compare to PLUT and MATH?
Fold Holdings' Cash Conversion Cycle of 3.48 can be compared against companies in the Capital Markets industry. The industry median Cash Conversion Cycle is 1.64. Fold Holdings' value of 3.48 is 112.8% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Conversion Cycle for a Capital Markets company?
The median Cash Conversion Cycle among Capital Markets companies is 1.64, based on 640 companies in the industry. Companies in the top quartile (top 25%) have a Cash Conversion Cycle significantly above this median, while those in the bottom quartile fall well below. However, Cash Conversion Cycle should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fold Holdings's current Cash Conversion Cycle of 3.48 is 112.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Conversion Cycle mean?
A high Cash Conversion Cycle can signal that a stock is expensive relative to its fundamentals. Cash conversion cycle equals sum of days inventory and days sales outstanding less days payable. View historical data on Fold Holdings and its competitors. For the Capital Markets industry, the median Cash Conversion Cycle is 1.64 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fold Holdings's current Cash Conversion Cycle is 3.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fold Holdings stock overvalued right now?
Fold Holdings (FLD) has a current Cash Conversion Cycle of 3.48. The current Cash Conversion Cycle is 3.48 and 112.8% above the Capital Markets industry median of 1.64. Fold Holdings' overall GF Score™ is 8/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Conversion Cycle calculated?
Cash Conversion Cycle is calculated from a company's financial statements. For Fold Holdings (FLD), the current Cash Conversion Cycle is 3.48 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Fold Holdings Inc is a bitcoin financial services company dedicated to expanding access to bitcoin through a comprehensive suite of consumer financial products. Its financial services platform that allows customers to earn, accumulate, and utilize bitcoin in their everyday life. The company offers consumers an FDIC insured checking account through Sutton Bank, a prepaid Visa debit card (the Fold Debit Card), a bitcoin rewards credit card (the Fold Credit Card), a bitcoin gift card, bill payments, and an extensive catalog of merchant reward offers. It also offers various forms of bitcoin buying and selling with low-to-zero fees and insured custody.
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