FLD (Fold Holdings) Moat Score: 4/10 (As of Jun. 29, 2026)


FLD Fold Holdings Inc FLD
8 GF Score
Price $0.46
! 3 Warning Signs
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What is Fold Holdings Moat Score?

Fold Holdings FLD -5.74% 8 Moat Score is 4 as of Jun. 29, 2026. GuruFocus rates FLD with a GF Score™ of 8/100. The stock has 3 warning signs investors should review. Among 841 Capital Markets companies, Fold Holdings ranks better than 92.75% on this metric.

Fold Holdings has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Fold Holdings has Narrow Moat: Fold Holdings Inc has a discernible but modest moat due to its focus on innovation and R&D capabilities. While it has some valuable intellectual property, it lacks strong brand strength and significant customer switching costs.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Fold Holdings might have Narrow Moat - Discernible but modest moat.

Fold Holdings  (NAS:FLD) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Fold Holdings Moat Score Related Terms

FLD vs CFOR, ATCH, ANY: Moat Score Comparison

For the Capital Markets subindustry, Fold Holdings's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Capital Markets Industry

For the Capital Markets industry and Financial Services sector, Fold Holdings's Moat Score distribution charts can be found below:

* The bar in red indicates where Fold Holdings's Moat Score falls into.


FLD
8GF Score
Fold Holdings Inc FLD
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Fold Holdings (FLD) has a Moat Score of 4 as of Jun. 29, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Fold Holdings ranks #61 out of 841 companies in the Capital Markets industry, placing it in the top 7.3%.
Is Fold Holdings' Moat Score too high?
Fold Holdings' current Moat Score is 4. Based on the distribution chart, Fold Holdings ranks #61 out of 841 companies in the Capital Markets industry, which is in the top quartile — a strong position 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' Moat Score compare to CFOR and ATCH?
According to the Capital Markets industry distribution chart, Fold Holdings ranks #61 out of 841 companies for Moat Score. This places Fold Holdings in the top 7% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Capital Markets company?
A good Moat Score depends on the Capital Markets industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Fold Holdings's current Moat Score is 4. 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 Moat Score of 4. The current Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Fold Holdings (FLD), the current Moat Score is 4 as of Jun. 29, 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 Business Description

Address 2942 North 24th Street, Suite 115, No. 42035, Phoenix, AZ, USA, 85016
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.
8GF Score

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