Welcome to our dedicated page for Fold Holdings SEC filings (Ticker: FLD), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Fold Holdings, Inc. (NASDAQ: FLD) files a range of documents with the U.S. Securities and Exchange Commission that shed light on its bitcoin-focused financial services business, capital structure, and risk profile. As the first publicly traded bitcoin financial services company, Fold uses its SEC filings to report on its bitcoin investment treasury, financing facilities, and operating performance.
On this page, you can review current and historical filings such as annual reports on Form 10-K and quarterly reports on Form 10-Q, which provide detail on revenue, operating expenses, transaction volumes, active and verified accounts, and the composition of Fold’s digital asset holdings. These reports also discuss the company’s strategy of integrating bitcoin into everyday financial experiences through products like the Fold App, Fold Card, Fold Bitcoin Gift Card™, and planned Fold Bitcoin Rewards Credit Card™.
Current reports on Form 8-K are particularly relevant for tracking material events. Recent 8-K and 8-K/A filings describe Fold’s master loan agreement and amendments with Two Prime Lending Limited, establishing and modifying a bitcoin-collateralized revolving credit facility, as well as press releases announcing quarterly results. These documents outline key terms such as collateralization levels, interest rates, events of default, and the intended use of proceeds for working capital, growth, and treasury management.
Stock Titan enhances access to these filings with AI-powered summaries that explain complex sections, highlight important changes, and surface items related to digital asset accounting, treasury strategy, and financing arrangements. Real-time updates from EDGAR ensure that new 10-K, 10-Q, 8-K, and other submissions appear quickly, while insider transaction reports on Form 4 and proxy materials, when filed, can help investors analyze ownership, compensation, and governance. This page offers a focused view of FLD’s regulatory record, supported by AI tools that make lengthy filings more approachable.
Fold Holdings, Inc. filed Prospectus Supplement No. 5 to its S-1, covering up to 9,282,287 shares of common stock, and attached its Q3 2025 Form 10-Q to update the Prospectus. The supplement must be read together with the base Prospectus.
In Q3 2025, Fold reported revenue of $7,398,939 (vs. $5,241,889 a year ago), an operating loss of $5,940,318, and net income of $554,242, aided by a $10,238,866 gain on its investment treasury digital assets. As of September 30, 2025, total assets were $190,966,112, including $170,392,495 in bitcoin held for investment (1,494 BTC), and cash and cash equivalents of $6,663,463. Principal debt totaled $66.3 million across two convertible notes with conversion prices of $9.00 and $12.50, secured in part by 800 BTC collateral. The company also has a $250 million equity purchase facility and sold 1,151,071 shares under it for $3,478,137.
Fold’s common stock and warrants trade on Nasdaq as FLD and FLDDW. The last reported prices on November 7, 2025 were $3.09 (FLD) and $0.34 (FLDDW). Shares outstanding were 48,307,642 as of November 10, 2025.
Fold Holdings, Inc. filed Prospectus Supplement No. 14 under Rule 424(b)(3) to update its S‑1. The supplement covers 49,161,055 shares of common stock, 925,590 SATS warrants to purchase common stock, and 12,434,658 shares of common stock issuable upon exercise of the public warrants.
FLD and FLDDW trade on Nasdaq; last reported prices on November 7, 2025 were $3.09 per share and $0.34 per warrant. As of November 10, 2025, 48,307,642 common shares were outstanding.
For the quarter ended September 30, 2025, revenue was $7,398,939 and operating loss was $5,940,318. Net income was $554,242, aided by a $10,238,866 gain on digital assets in the investment treasury. Cash and equivalents were $6,663,463. The company held 1,494 bitcoin in its investment treasury valued at $170,392,495, with 800 bitcoin restricted as collateral. Principal debt totaled $66.3 million across two convertible notes. A $250 million equity purchase facility is in place; during Q3 2025, the company sold 1.15 million shares for gross proceeds of $3.48 million.
Fold Holdings (FLD) reported Q3 2025 results. Revenue was $7,398,939, up from $5,241,889 a year ago. Operating loss was $5,940,318, but gains on digital assets drove other income (expense), net to $6,493,679, resulting in net income of $554,242 for the quarter. For the nine months, revenue reached $22,662,702 with a net loss of $34,899,390.
As of September 30, 2025, cash and cash equivalents were $6,663,463 with positive working capital of $6.1 million. The company held 1,494 bitcoin in its Investment Treasury valued at $170,392,495 and 81 bitcoin in its Rewards Treasury valued at $9,295,587; 800 bitcoin were pledged as collateral for convertible notes. Principal debt outstanding totaled $66.3 million, including a $20.0 million note convertible at $9.00 per share maturing on February 14, 2028, and a $46.3 million related-party note convertible at $12.50 per share maturing on March 6, 2030. Under a $250 million equity purchase facility, the company sold 1,151,071 shares for gross proceeds of $3,478,137. Shares outstanding were 48,307,642 as of November 10, 2025.
Fold Holdings, Inc. furnished an 8-K announcing it issued a press release with financial and operational results for the third quarter ended September 30, 2025. The release is attached as Exhibit 99.1 and, as stated, is furnished under Item 2.02 and incorporated into Item 7.01. The company notes the information is not deemed “filed” under the Exchange Act and includes a cautionary note regarding forward-looking statements.
Fold Holdings, Inc. entered into a Master Loan Agreement that creates a revolving credit facility of up to $45,000,000 for its subsidiary Fold, Inc. Loans under the facility carry interest at 6.5% per year and the first advance is scheduled to mature on October 1, 2026. The company expects to use any borrowings for working capital and general corporate purposes, positioning the arrangement as non‑dilutive support for growth and management of its bitcoin treasury.
The borrowing is secured by a portion of the subsidiary’s bitcoin held with a custodian, with an initial collateral level of 250%. If collateralization falls below preset thresholds or bitcoin value drops sharply, the lender can demand more collateral, require prepayment, or liquidate collateral after an event of default, giving the lender strong protection but exposing the company to potential forced sales in adverse market conditions.
Fold Holdings, Inc. filed a Form D for a Rule 506(b) exempt offering seeking up to $250,000,000 of equity securities. To date the issuer reports $157,625 sold with $249,842,375 remaining available. The offering is intended to last more than one year and is not tied to a business combination. The issuer indicates one total investor so far and that non-accredited investors may have participated. Cohen & Company Securities, LLC acted as placement agent and received 75,000 shares on June 16, 2025 (closing price $4.71) in connection with an Equity Purchase Facility Agreement; finders' fees are reported as $353,250 (estimate). Minimum outside-investor investment is listed as $0. The notice is signed by CFO Wolfe Repass.