Fold HoldingsFLD -3.12%6 3-Year RORE % is 29.07 as of Mar. 2026. GuruFocus rates FLD with a GF Score™ of 6/100. The stock has 3 warning signs investors should review. Among 764 Capital Markets companies, Fold Holdings ranks better than 64.66% on this metric.
Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Fold Holdings's 3-Year RORE % for the quarter that ended in Mar. 2026 was 29.07%.
The industry rank for Fold Holdings's 3-Year RORE % or its related term are showing as below:
FLD's 3-Year RORE % is ranked better than 64.66% of 764
companies
in the Capital Markets industry
Industry Median: 15.015
vs FLD: 29.07
Fold Holdings (NAS:FLD) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Fold Holdings 3-Year RORE % Related Terms
Fold Holdings 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Fold Holdings's 3-Year RORE % 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 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, Fold Holdings's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Fold Holdings's 3-Year RORE % 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.
In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Fold Holdings (FLD) has a 3-Year RORE % of 29.07 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Fold Holdings and its competitors. According to the industry distribution chart, Fold Holdings ranks #270 out of 764 companies in the Capital Markets industry, placing it in the top 35.3%.
Is Fold Holdings' 3-Year RORE % too high?
Fold Holdings' current 3-Year RORE % is 29.07. The Capital Markets industry median 3-Year RORE % is 15.02. Fold Holdings' value of 29.07 is 93.6% above this industry median. Based on the distribution chart, Fold Holdings ranks #270 out of 764 companies in the Capital Markets industry, which is above the industry midpoint. Overall, Fold Holdings has a GF Score™ of 6/100, reflecting its overall financial health beyond just this single metric.
How does Fold Holdings' 3-Year RORE % compare to CFOR and ATCH?
According to the Capital Markets industry distribution chart, Fold Holdings ranks #270 out of 764 companies for 3-Year RORE %. This puts Fold Holdings in the upper half of its industry. The industry median 3-Year RORE % is 15.02. Fold Holdings' value of 29.07 is 93.6% 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 3-Year RORE % for a Capital Markets company?
The median 3-Year RORE % among Capital Markets companies is 15.02, based on 764 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fold Holdings's current 3-Year RORE % of 29.07 is 93.6% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Fold Holdings and its competitors. For the Capital Markets industry, the median 3-Year RORE % is 15.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fold Holdings's current 3-Year RORE % is 29.07. 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 3-Year RORE % of 29.07. The current 3-Year RORE % is 29.07 and 93.6% above the Capital Markets industry median of 15.02. Fold Holdings' overall GF Score™ is 6/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Fold Holdings (FLD), the current 3-Year RORE % is 29.07 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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