Fold Holdings, Inc. is classed by the SEC under Finance Services (industry code 6199), based in Philadelphia, PA. Its latest filed balance sheet (2025-12-31) shows total assets of $78 million (its filed statements).
Lending businessFinance ServicesPhiladelphia, PAfilings since 20214 of 9 filed, 5 estimated
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6199, Finance Services); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 3.4 out of ten, 4 of 9 metrics filed and 5 estimated: past 2.6 out of ten, present 3.2 out of ten, future 4.8 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 3.2 out of ten. 6 warning events since 2021; the latest 2026-07-17. 32nd percentile among 130 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 5.0 out of ten. CrossAssetData estimate 5.0/10, confidence 20 of 100 (family median). 50th percentile among 107 sector filers. A CrossAssetData estimate, not a filed reading: family median, confidence 20 of 100; its next annual report on file with the inputs replaces this estimate with the filed reading.
Shareholder treatment (past): 0.1 out of ten. CrossAssetData estimate 0.1/10, confidence 35 of 100 (one part). 1st percentile among 115 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
Financial health (present): 2.3 out of ten. ROE -110%: lost 110¢ per shareholder dollar. Leverage 59%: owes 59¢ per asset dollar. 23rd percentile among 117 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 4.6 out of ten. bottom 46% of 114 in its family; net margin -218.9%. 46th percentile among 114 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 2.9 out of ten. CrossAssetData estimate 2.9/10, confidence 35 of 100 (one part). 29th percentile among 93 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
Room to expand (future): 4.6 out of ten. bottom 46% of 108 in its family for room to expand. 46th percentile among 108 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 4.9 out of ten. CrossAssetData estimate 4.9/10, confidence 20 of 100 (family median). 50th percentile among 105 sector filers. A CrossAssetData estimate, not a filed reading: family median, confidence 20 of 100; its next annual report on file with the inputs replaces this estimate with the filed reading.
Expectations vs reality (future): 4.8 out of ten. CrossAssetData estimate 4.8/10, confidence 20 of 100 (family median). 50th percentile among 79 sector filers. A CrossAssetData estimate, not a filed reading: family median, confidence 20 of 100; its next annual report on file with the inputs replaces this estimate with the filed reading.
The filing record
Newest annual report: Form 10-K filed 2026-03-17 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-11 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-08-11 (on EDGAR). Newest filing: Form 4, 2026-10-05. Filings on record since 2021. Read from EDGAR 2026-10-12.
Where the revenue comes from
Product and service lines in fiscal 2025: Banking and Payment Revenues 95%, Custody and Trading Revenues 5%, Other Revenues under 1%. As tagged in its annual report (Form 10-K, filed 2026-03-17).
Who runs it
Reeves, William Brian Poppic (Chief Executive Officer); Young, Bracebridge H Jr (President and CEO); Repass, Wolfe (Chief Financial Officer); Mcmanus, Matt (Chief Operating Officer); Dickman, Thomas J (Chief Technology Officer); Kirkwood, Jonathan (director); Goldwasser, Lesley (director); Hill, Kirstin (director); Hohns, Andrew (director); Simha, Erez (director); and 1 more. 11 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-10-05.
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