FLDHIGH SIGNALFINANCIAL10-K

FLD completed a major merger transaction that dramatically expanded the company's scale while generating massive losses and significantly deteriorating operating cash flow.

The company underwent a transformative merger with Legacy Fold that increased total assets by 194% and turned stockholders' equity positive at $63M, but this came at an enormous cost with net losses exploding from -$1.9M to -$69.6M. The 369% deterioration in operating cash flow to -$16.1M, combined with a 58% decline in cash reserves to just $7.7M, raises serious questions about the company's ability to fund operations and achieve the synergies expected from this transformative deal.

Comparing 2026-03-17 vs 2025-03-28View on EDGAR →
FINANCIAL ANALYSIS

The merger created a much larger company with total assets growing 194% to $153.5M and current assets surging 1,855% to $18.1M, while stockholders' equity turned positive at $63M from a previous deficit position. However, the financial performance deteriorated dramatically with net losses expanding 3,624% to -$69.6M and operating cash flow worsening 369% to -$16.1M outflows. Most concerning is the 58% decline in cash to just $7.7M against mounting losses, suggesting potential liquidity pressures ahead despite the expanded asset base.

FINANCIAL STATEMENT CHANGES
Net Income
P&L
-3624.3%
-$1.9M-$69.6M

Net income declined 3624.3% — review whether driven by operations, interest costs, or non-recurring items.

Current Assets
Balance Sheet
+1855.4%
$926K$18.1M

Current assets grew 1855.4% — improving short-term liquidity or inventory/receivables build.

Total Liabilities
Balance Sheet
+873.6%
$9.3M$90.5M

Liabilities grew 873.6% — significant increase in debt or obligations, assess impact on financial flexibility.

Stockholders Equity
Balance Sheet
+856.8%
-$8.3M$63.0M

Equity base grew 856.8% — retained earnings accumulation or equity issuance strengthening the balance sheet.

Operating Cash Flow
Cash Flow
-369.5%
-$3.4M-$16.1M

Operating cash flow fell 369.5% — earnings quality concerns; investigate working capital changes and non-cash items.

Total Assets
Balance Sheet
+193.9%
$52.2M$153.5M

Asset base grew 193.9% — expansion through organic growth, acquisitions, or capital deployment.

Current Liabilities
Balance Sheet
+127.2%
$9.3M$21.1M

Current liabilities surged 127.2% — significant near-term obligations; verify ability to meet short-term debt.

Inventory
Balance Sheet
+81.9%
$263K$478K

Inventory surged 81.9% — growing significantly faster than typical sales pace; potential demand softening or supply chain overcorrection.

Accounts Receivable
Balance Sheet
+61.3%
$451K$728K

Receivables surged 61.3% — revenue recognized but not yet collected; watch for collection issues or channel stuffing.

Cash & Equivalents
Balance Sheet
-58.3%
$18.3M$7.7M

Cash declined 58.3% — significant cash burn or deployment; verify adequacy of remaining liquidity runway.

LANGUAGE CHANGES
NEW — 2026-03-17
PRIOR — 2025-03-28
ADDED
Form 10-K Summary 143 2 Intellectual Property We own or have rights to various trademarks, service marks and trade names that we use in connection with the operation of our business, which include the Company s F logo mark, FOLD , FOLD CREDIT CARD , FOLD BITCOIN CREDIT CARD , FOLD BITCOIN REWARDS CREDIT CARD , FOLD DEBIT CARD , FOLD BITCOIN DEBIT CARD , FOLD BITCOIN REWARDS DEBIT CARD , FOLD GIFT CARD , and FOLD BITCOIN GIFT CARD .
This document may also include trademarks, service marks and tradenames that are the property of other organizations.
Our use or display of any third party s trademarks, service marks, trade names or products in this document is not intended to, and does not imply, a relationship with, endorsement of or sponsorship by us of, those third parties.
Solely for convenience, trademarks, service marks and tradenames referred to in this document may appear without the , SM and symbols, but those references are not intended to indicate, in any way, that we will not assert, to the fullest extent under applicable law, our rights or that the applicable owner will not assert its rights, to these trademarks, service marks and tradenames.
( Fold, the Company, we, our, and us ) contains forward-looking statements within the meaning of the federal securities laws.
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REMOVED
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C.
As of March 28, 2025, there were 46,888,876 shares of common stock of the registrant issued and outstanding.
( FTAC Emerald or EMLD ) was originally incorporated in Delaware on February 19, 2021 as a special purpose acquisition company formed for the purpose of effecting a merger, capital stock exchange, asset acquisition, stock purchase, reorganization, or other similar business combination with one or more businesses.
On December 20, 2021, FTAC Emerald consummated an initial public offering, or IPO, following which their units began trading on the Nasdaq Global Market, or the Nasdaq, and upon separation, their Class A common stock and warrants began trading on the Nasdaq.
( Fold ) announced that they entered into an Agreement and Plan of Merger (the Merger Agreement ) by and among FTAC Emerald, EMLD Merger Sub Inc., a wholly-owned subsidiary of the Company ( Merger Sub ), and Fold, pursuant to which, among other things, Merger Sub will be merged with and into Fold with Fold surviving the merger as a wholly-owned subsidiary of the Company (the Merger and, together with the other transactions contemplated by the Merger Agreement, the Transactions ).
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