Fold (NASDAQ:FLD) Price Target Lowered to $3.00 at HC Wainwright

Key Points

• HC Wainwright cut its price target on Fold from $7.00 to $3.00 while maintaining a buy rating.
• Analyst views are mixed—Cantor Fitzgerald lowered its target to $2.00 but stayed overweight, while Wall Street Zen and Weiss Ratings have moved to or reiterated sell stances; the MarketBeat consensus is a "Moderate Buy" with a $5.00 target.
• Operationally Fold reported a strong Q4 (revenue +34%, volume +46%) and launched a Bitcoin credit card, sparking an after‑hours rally, but the stock trades at $1.06 (below its 50‑ and 200‑day averages), is unprofitable with a ~$51M market cap, and insiders—including the CFO—have been net sellers.

Fold (NASDAQ:FLD - Get Free Report) had its price objective reduced by equities research analysts at HC Wainwright from $7.00 to $3.00 in a report released on Wednesday,Benzinga reports. The firm currently has a "buy" rating on the stock. HC Wainwright's target price suggests a potential upside of 184.36% from the company's previous close.

Several other analysts have also issued reports on FLD. Cantor Fitzgerald lowered their target price on Fold from $4.50 to $2.00 and set an "overweight" rating on the stock in a research note on Wednesday. Wall Street Zen lowered Fold from a "hold" rating to a "sell" rating in a report on Saturday, March 7th. Finally, Weiss Ratings restated a "sell (d)" rating on shares of Fold in a research note on Thursday, January 22nd. One research analyst has rated the stock with a Strong Buy rating, two have assigned a Buy rating and one has issued a Sell rating to the stock. According to MarketBeat.com, the company has a consensus rating of "Moderate Buy" and a consensus price target of $5.00.

Fold Stock Performance

Fold stock traded down $0.07 during trading on Wednesday, hitting $1.06. The stock had a trading volume of 243,993 shares, compared to its average volume of 146,573. The stock's 50 day moving average is $1.76 and its two-hundred day moving average is $2.77. Fold has a 1 year low of $1.00 and a 1 year high of $8.50. The stock has a market cap of $50.97 million, a price-to-earnings ratio of -1.41 and a beta of 0.23. The company has a quick ratio of 1.44, a current ratio of 1.47 and a debt-to-equity ratio of 0.87.

Insider Transactions at Fold

In other Fold news, CFO Wolfe Repass sold 21,857 shares of the business's stock in a transaction on Thursday, February 19th. The shares were sold at an average price of $1.48, for a total transaction of $32,348.36. Following the sale, the chief financial officer owned 150,377 shares of the company's stock, valued at $222,557.96. The trade was a 12.69% decrease in their position. The sale was disclosed in a legal filing with the SEC, which is available through this link. Over the last quarter, insiders have sold 97,120 shares of company stock worth $143,439. Insiders own 66.80% of the company's stock.

Hedge Funds Weigh In On Fold

A number of large investors have recently made changes to their positions in the stock. Aptus Capital Advisors LLC bought a new stake in shares of Fold during the 3rd quarter valued at $39,000. SevenBridge Financial Group LLC bought a new position in Fold in the 3rd quarter worth about $39,000. Barclays PLC bought a new position in Fold in the 4th quarter worth about $26,000. Van Hulzen Asset Management LLC purchased a new position in Fold during the 2nd quarter valued at about $43,000. Finally, Goldman Sachs Group Inc. bought a new stake in shares of Fold during the fourth quarter valued at about $28,000. 56.89% of the stock is owned by institutional investors.

Trending Headlines about Fold

Here are the key news stories impacting Fold this week:

• Positive Sentiment: Solid Q4 & full‑year 2025 results: revenue rose 34% to $31.8M and transaction volume climbed 46% to $960M. The company launched a Fold Bitcoin Credit Card, expanded enterprise services, and retired convertible notes — all items that improve growth visibility and simplify the cap table. Earnings Release
• Positive Sentiment: Analyst stance: Cantor Fitzgerald kept an "overweight" rating and set a $2.00 target (down from $4.50), which still implies sizable upside from current levels and can support renewed investor interest despite the lowered target. Analyst Note
• Positive Sentiment: After‑hours buying: reports of a >12% after‑hours rally indicate traders are reacting favorably to the earnings/strategy and analyst commentary, suggesting renewed demand outside regular trading. After-hours Coverage
• Neutral Sentiment: Industry foldable phone news (Apple iPhone Fold, Samsung Galaxy Z Fold 8, Pixel fold rumors) is generating media attention using the word “fold,” but this hardware news is largely unrelated to Fold Holdings’ fintech/crypto rewards business and is unlikely to move fundamentals. Apple Fold Renders
• Neutral Sentiment: Additional foldable device comparisons and leaks are airing across tech sites; useful for sector noise but not directly material to FLD’s business. Fold Comparisons
• Negative Sentiment: Technical/valuation/headwinds: the stock is trading below its 50‑day ($1.76) and 200‑day ($2.77) moving averages, and the company remains unprofitable (negative P/E), which can leave shares vulnerable to short‑term selling despite positive operating trends. (Market trading volume was above average during the session.)

About Fold

Fold, trading under the ticker FLD on the NASDAQ, is a financial technology company specializing in bitcoin rewards and cryptocurrency-based consumer products. The company's core offering enables users to earn bitcoin on everyday purchases through a prepaid Visa debit card, converting traditional currency transactions into bitcoin rewards at no extra cost. By partnering with major payment networks and merchant platforms, Fold aims to bridge the gap between mainstream spending and digital asset adoption.

Beyond the debit card, Fold offers a mobile application that integrates with the Bitcoin Lightning Network to facilitate faster and more cost-efficient transactions.

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