Fold HoldingsFLD +5.74%8 Days Payable is 11.40 as of Mar. 2026, which is 46% above its 10-year median of 7.83. GuruFocus rates FLD with a GF Score™ of 8/100. The stock has 3 warning signs investors should review. Among 538 Capital Markets companies, Fold Holdings ranks worse than 82.16% on this metric.
The historical rank and industry rank for Fold Holdings's Days Payable or its related term are showing as below:
FLD'
s Days Payable Range Over the Past 10 Years
Min: 3.08 Med: 7.83 Max: 22.73
Current: 10.4
During the past 4 years, Fold Holdings's highest Days Payable was 22.73. The lowest was 3.08. And the median was 7.83.
FLD's Days Payable is ranked worse than 82.16% of 538
companies
in the Capital Markets industry
Industry Median: 91.345
vs FLD: 10.40
Fold Holdings's Days Payable
increased
from Mar. 2025 (8.95) to Mar. 2026 (11.40).
It may suggest that Fold Holdingsdelayed paying its suppliers.
Fold Holdings Days Payable Related Terms
Fold Holdings Days Payable Historical Data
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The historical data trend for Fold Holdings's Days Payable 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 Days Payable, along with its competitors' market caps and Days Payable 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 Days Payable vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, Fold Holdings's Days Payable distribution charts can be found below:
* The bar in red indicates where Fold Holdings's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
Fold Holdings's Days Payable 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 Days Payable of 11.40 as of Mar. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Fold Holdings and its competitors. This is 46% above median its historical median of 7.83. Over the past decade, Fold Holdings' Days Payable has ranged from 3.08 to 22.73. According to the industry distribution chart, Fold Holdings ranks #442 out of 538 companies in the Capital Markets industry, placing it in the top 82.2%.
Is Fold Holdings' Days Payable too high?
Fold Holdings' current Days Payable of 11.40 is 46% above median its 10-year median of 7.83. Over the past 10 years, this metric has ranged from a low of 3.08 to a high of 22.73. The Capital Markets industry median Days Payable is 91.35. Fold Holdings' value of 11.40 is 87.5% below this industry median. Based on the distribution chart, Fold Holdings ranks #442 out of 538 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' Days Payable compare to PLUT and MATH?
According to the Capital Markets industry distribution chart, Fold Holdings ranks #442 out of 538 companies for Days Payable. This places Fold Holdings in the lower half of its industry. The industry median Days Payable is 91.35. Fold Holdings' value of 11.40 is 87.5% below this benchmark. Historically, Fold Holdings' own Days Payable has ranged from 3.08 to 22.73 over the past decade. While the company's 10-year median is 7.83 vs. the industry median of 91.35, 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 Days Payable for a Capital Markets company?
The median Days Payable among Capital Markets companies is 91.35, based on 538 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fold Holdings's current Days Payable of 11.40 is 87.5% 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 Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Fold Holdings and its competitors. For the Capital Markets industry, the median Days Payable is 91.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fold Holdings's current Days Payable is 11.40, which is 46% above median its own 10-year median of 7.83. 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 Days Payable of 11.40. The current Days Payable is 11.40, which is 46% above median its 10-year median of 7.83 and 87.5% below the Capital Markets industry median of 91.35. 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 Days Payable calculated?
Days Payable is calculated from a company's financial statements. For Fold Holdings (FLD), the current Days Payable is 11.40 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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