Northland starts Fold Holdings with Outperform, $10 target

Published 27/05/2025, 15:24
Northland starts Fold Holdings with Outperform, $10 target

On Tuesday, Northland Securities began coverage of Fold Holdings (NASDAQ:FLD), assigning the stock an Outperform rating and setting a price target of $10.00. Currently trading at $4.69, the stock has shown strong momentum with a ~13% gain over the past week, according to InvestingPro data. The firm highlighted Fold Holdings’ unique position in the financial services sector, emphasizing its integration of Bitcoin into various consumer financial products.

Fold Holdings has developed a platform that allows customers to engage with Bitcoin (BTC) in multiple ways, including buying, selling, earning, saving, and spending. The company’s Fold Rewards Program is particularly notable, offering users the ability to earn BTC rewards through promotional credits and card-linked offers.

The company provides an array of services, including an FDIC-insured checking account, a Visa (NYSE:V) prepaid debit card, and facilities for bill payments. With a current ratio of 2.2, InvestingPro data shows the company maintains strong liquidity to support its operations. Fold Holdings has also expanded its portfolio to include a comprehensive selection of merchant reward offers and newly launched BTC gift cards. Additionally, the firm has announced plans to introduce a BTC credit card later in the year 2025, which will be available through its all-in-one platform and mobile application.

Northland’s positive outlook on Fold Holdings reflects the firm’s anticipation of consumer interest in the innovative ways the company is incorporating cryptocurrency into everyday financial transactions. The Outperform rating suggests that Northland sees Fold Holdings’ stock performing better than the broader market.

The setting of a $10.00 price target indicates Northland’s confidence in Fold Holdings’ potential for growth and its ability to capitalize on the increasing consumer adoption of cryptocurrency-related financial services. Based on InvestingPro analysis, the stock appears overvalued at current levels, though analysts maintain a consensus Buy rating with a $7 price target. Fold Holdings’ strategy of creating a one-stop-shop for Bitcoin-related financial services is aimed at making cryptocurrency transactions more accessible and convenient for the average consumer. InvestingPro subscribers can access 8 additional key insights about FLD’s financial health and market position.

In other recent news, Fold Holdings has appointed Matthew McManus as its new Chief Operating Officer. This strategic move is expected to enhance the company’s operational performance and support its growth strategy. McManus brings a wealth of experience from his previous role as Chief Product Officer at Unchained Capital, as well as from his time at companies like Twitter, Capital One (NYSE:COF), and Marriott. Fold Holdings’ CEO, Will Reeves, expressed confidence in McManus’s ability to align with the company’s strategic vision and maintain its leadership in the bitcoin financial services sector. The appointment comes as Fold Holdings continues to expand its market presence and strengthen its position within the cryptocurrency landscape. McManus’s expertise in product strategy and operational leadership is anticipated to be instrumental in navigating the complexities of the bitcoin financial revolution. This development reflects Fold Holdings’ commitment to integrating bitcoin into everyday financial experiences and providing accessible solutions to consumers.

This article was generated with the support of AI and reviewed by an editor. For more information see our T&C.

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