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Fold HoldingsFLD +0.34%8 Cash Ratio is 0.27 as of Mar. 2026, which is 56% below its 10-year median of 0.61. GuruFocus rates FLD with a GF Score™ of 8/100. The stock has 3 warning signs investors should review. Among 682 Capital Markets companies, Fold Holdings ranks worse than 77.13% on this metric.
Fold Holdings has a Cash Ratio of 0.27. It indicates that there are more current liabilities than Cash, Cash Equivalents, Marketable Securities, and the company does not have sufficient cash on hand to pay off its short-term debt.
The historical rank and industry rank for Fold Holdings's Cash Ratio or its related term are showing as below:
FLD'
s Cash Ratio Range Over the Past 10 Years
Min: 0.01 Med: 0.61 Max: 1.94
Current: 0.27
During the past 4 years, Fold Holdings's highest Cash Ratio was 1.94. The lowest was 0.01. And the median was 0.61.
FLD's Cash Ratio is ranked worse than 77.13% of 682
companies
in the Capital Markets industry
Industry Median: 0.935
vs FLD: 0.27
The cash ratio is more conservative than other liquidity ratios, such as Quick Ratio and Current Ratio, because it only considers a company's most liquid resources. The numerator of cash ratio only considers Cash, Cash Equivalents and marketable securities. Other current assets, such as accounts receivable and inventories, are not included. The rationale is that these assets may require time to be transformed into cash, and the amount of money received is also uncertain.
The cash ratio shows a company’s ability to pay all current liabilities immediately without selling or liquidating other assets. Generally speaking, a higher cash ratio suggests the company has a stronger ability to cover its short-term debt. However, a high cash ratio could also indicate inefficient management: the company is inefficient in making full utilization of cash to invest protential profitable project. It may also suggest that the company is not confident about future profitability.
In general, the higher the cash ratio, the better the company's liquidity position.
Fold Holdings Cash Ratio Related Terms
Fold Holdings Cash Ratio Historical Data
* Premium members only.
The historical data trend for Fold Holdings's Cash Ratio 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.
For the Capital Markets subindustry, Fold Holdings's Cash Ratio, along with its competitors' market caps and Cash Ratio 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 Ratio vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, Fold Holdings's Cash Ratio distribution charts can be found below:
* The bar in red indicates where Fold Holdings's Cash Ratio falls into.
* 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 Ratio of 0.27 as of Mar. 2026. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Fold Holdings and its competitors. This is 56% below median its historical median of 0.61. Over the past decade, Fold Holdings' Cash Ratio has ranged from 0.01 to 1.94. According to the industry distribution chart, Fold Holdings ranks #526 out of 682 companies in the Capital Markets industry, placing it in the top 77.1%.
Is Fold Holdings' Cash Ratio too high?
Fold Holdings' current Cash Ratio of 0.27 is 56% below median its 10-year median of 0.61. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 1.94. The Capital Markets industry median Cash Ratio is 0.94. Fold Holdings' value of 0.27 is 71.1% below this industry median. Based on the distribution chart, Fold Holdings ranks #526 out of 682 companies in the Capital Markets industry, which is in the bottom quartile relative to peers. 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 Ratio compare to ATCH and SOS?
According to the Capital Markets industry distribution chart, Fold Holdings ranks #526 out of 682 companies for Cash Ratio. This places Fold Holdings in the lower half of its industry. The industry median Cash Ratio is 0.94. Fold Holdings' value of 0.27 is 71.1% below this benchmark. Historically, Fold Holdings' own Cash Ratio has ranged from 0.01 to 1.94 over the past decade. While the company's 10-year median is 0.61 vs. the industry median of 0.94, Fold Holdings has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Ratio for a Capital Markets company?
The median Cash Ratio among Capital Markets companies is 0.94, based on 682 companies in the industry. Companies in the top quartile (top 25%) have a Cash Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cash Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fold Holdings's current Cash Ratio of 0.27 is 71.1% below 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 Ratio mean?
A high Cash Ratio can signal that a stock is expensive relative to its fundamentals. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Fold Holdings and its competitors. For the Capital Markets industry, the median Cash Ratio is 0.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fold Holdings's current Cash Ratio is 0.27, which is 56% below median its own 10-year median of 0.61. 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 Ratio of 0.27. The current Cash Ratio is 0.27, which is 56% below median its 10-year median of 0.61 and 71.1% below the Capital Markets industry median of 0.94. 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 Ratio calculated?
Cash Ratio is calculated from a company's financial statements. For Fold Holdings (FLD), the current Cash Ratio is 0.27 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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