Fold HoldingsFLD +7.67%8 Current Ratio is 0.48 as of Mar. 2026, which is 62% below its 10-year median of 1.27. GuruFocus rates FLD with a GF Score™ of 8/100. The stock has 3 warning signs investors should review. Among 687 Capital Markets companies, Fold Holdings ranks worse than 94.91% on this metric.
The current ratio is a liquidity ratio that measures a company's ability to pay short-term obligations. It is calculated as a company's Total Current Assets divides by its Total Current Liabilities. Fold Holdings's current ratio for the quarter that ended in Mar. 2026 was 0.48.
Fold Holdings has a current ratio of 0.48. It indicates that the company may have difficulty meeting its current obligations. Low values, however, do not indicate a critical problem. If Fold Holdings has good long-term prospects, it may be able to borrow against those prospects to meet current obligations.
The historical rank and industry rank for Fold Holdings's Current Ratio or its related term are showing as below:
FLD'
s Current Ratio Range Over the Past 10 Years
Min: 0.09 Med: 1.27 Max: 2.73
Current: 0.48
During the past 4 years, Fold Holdings's highest Current Ratio was 2.73. The lowest was 0.09. And the median was 1.27.
FLD's Current Ratio is ranked worse than 94.91% of 687
companies
in the Capital Markets industry
Industry Median: 2.34
vs FLD: 0.48
Fold Holdings (NAS:FLD) Current Ratio Explanation
The current ratio can give a sense of the efficiency of a company's operating cycle or its ability to turn its product into cash. Companies that have trouble getting paid on their receivables or have long inventory turnover can run into liquidity problems because they are unable to alleviate their obligations. Because business operations differ in each industry, it is always more useful to compare companies within the same industry.
Acceptable current ratios vary from industry to industry and are generally between 1 and 3 for healthy businesses.
The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. While this shows the company is not in good financial health, it does not necessarily mean that it will go bankrupt - as there are many ways to access financing - but it is definitely not a good sign.
If all other things were equal, a creditor, who is expecting to be paid in the next 12 months, would consider a high current ratio to be better than a low current ratio, because a high current ratio means that the company is more likely to meet its liabilities which fall due in the next 12 months.
Fold Holdings Current Ratio Related Terms
Fold Holdings Current Ratio Historical Data
* Premium members only.
The historical data trend for Fold Holdings's Current 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 Current Ratio, along with its competitors' market caps and Current 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 Current Ratio vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, Fold Holdings's Current Ratio distribution charts can be found below:
* The bar in red indicates where Fold Holdings's Current 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 Current Ratio of 0.48 as of Mar. 2026. This is 62% below median its historical median of 1.27. Over the past decade, Fold Holdings' Current Ratio has ranged from 0.09 to 2.73. According to the industry distribution chart, Fold Holdings ranks #652 out of 687 companies in the Capital Markets industry, placing it in the top 94.9%.
Is Fold Holdings' Current Ratio too high?
Fold Holdings' current Current Ratio of 0.48 is 62% below median its 10-year median of 1.27. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 2.73. The Capital Markets industry median Current Ratio is 2.34. Fold Holdings' value of 0.48 is 79.5% below this industry median. Based on the distribution chart, Fold Holdings ranks #652 out of 687 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' Current Ratio compare to PLUT and MATH?
According to the Capital Markets industry distribution chart, Fold Holdings ranks #652 out of 687 companies for Current Ratio. This places Fold Holdings in the lower half of its industry. The industry median Current Ratio is 2.34. Fold Holdings' value of 0.48 is 79.5% below this benchmark. Historically, Fold Holdings' own Current Ratio has ranged from 0.09 to 2.73 over the past decade. While the company's 10-year median is 1.27 vs. the industry median of 2.34, 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 Current Ratio for a Capital Markets company?
The median Current Ratio among Capital Markets companies is 2.34, based on 687 companies in the industry. Companies in the top quartile (top 25%) have a Current Ratio significantly above this median, while those in the bottom quartile fall well below. However, Current Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fold Holdings's current Current Ratio of 0.48 is 79.5% 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 Current Ratio mean?
A high Current Ratio can signal that a stock is expensive relative to its fundamentals. For the Capital Markets industry, the median Current Ratio is 2.34 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fold Holdings's current Current Ratio is 0.48, which is 62% below median its own 10-year median of 1.27. 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 Current Ratio of 0.48. The current Current Ratio is 0.48, which is 62% below median its 10-year median of 1.27 and 79.5% below the Capital Markets industry median of 2.34. 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 Current Ratio calculated?
Current Ratio is calculated from a company's financial statements. For Fold Holdings (FLD), the current Current Ratio is 0.48 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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