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Side-by-side financial comparison of Currenc Group Inc. (CURR) and Fold Holdings, Inc. (FLD). Click either name above to swap in a different company.
Currenc Group Inc. is the larger business by last-quarter revenue ($10.1M vs $9.1M, roughly 1.1× Fold Holdings, Inc.). Currenc Group Inc. runs the higher net margin — -46.5% vs -379.9%, a 333.4% gap on every dollar of revenue. On growth, Fold Holdings, Inc. posted the faster year-over-year revenue change (8.2% vs -23.3%).
Fold Holdings, Inc. is a U.S.-based fintech firm specializing in crypto-integrated consumer financial products. Its core offerings include a rewards debit card that provides Bitcoin and other cryptocurrency cashback on routine purchases, alongside user-friendly digital wallet tools for secure crypto storage, serving primarily the North American consumer market.
CURR vs FLD — Head-to-Head
Income Statement — Q1 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $10.1M | $9.1M |
| Net Profit | $-4.7M | $-34.7M |
| Gross Margin | 31.8% | — |
| Operating Margin | -43.0% | -380.0% |
| Net Margin | -46.5% | -379.9% |
| Revenue YoY | -23.3% | 8.2% |
| Net Profit YoY | -54.0% | -7232.4% |
| EPS (diluted) | $-0.13 | $-0.02 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | — | $9.1M | ||
| Q3 25 | — | $7.4M | ||
| Q2 25 | — | $8.2M | ||
| Q1 25 | $10.1M | $7.1M | ||
| Q4 24 | — | $8.4M | ||
| Q3 24 | $11.3M | $5.2M | ||
| Q2 24 | — | $5.1M | ||
| Q1 24 | $13.1M | $4.9M |
| Q4 25 | — | $-34.7M | ||
| Q3 25 | — | $554.2K | ||
| Q2 25 | — | $13.4M | ||
| Q1 25 | $-4.7M | $-48.9M | ||
| Q4 24 | — | $486.4K | ||
| Q3 24 | $-5.0M | $-62.3M | ||
| Q2 24 | — | $-2.3M | ||
| Q1 24 | $-3.0M | $-945.0K |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 31.8% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 27.8% | — | ||
| Q2 24 | — | — | ||
| Q1 24 | 33.6% | — |
| Q4 25 | — | -380.0% | ||
| Q3 25 | — | 7.5% | ||
| Q2 25 | — | — | ||
| Q1 25 | -43.0% | -689.6% | ||
| Q4 24 | — | -9.1% | ||
| Q3 24 | -141.5% | -15.3% | ||
| Q2 24 | — | -12.2% | ||
| Q1 24 | -10.8% | -14.7% |
| Q4 25 | — | -379.9% | ||
| Q3 25 | — | 7.5% | ||
| Q2 25 | — | 164.2% | ||
| Q1 25 | -46.5% | -689.6% | ||
| Q4 24 | — | 5.8% | ||
| Q3 24 | -44.1% | -1188.7% | ||
| Q2 24 | — | -45.1% | ||
| Q1 24 | -23.2% | -19.2% |
| Q4 25 | — | $-0.02 | ||
| Q3 25 | — | $0.01 | ||
| Q2 25 | — | $0.28 | ||
| Q1 25 | $-0.13 | $-1.92 | ||
| Q4 24 | — | $0.09 | ||
| Q3 24 | $-0.13 | $-10.68 | ||
| Q2 24 | — | $-0.40 | ||
| Q1 24 | $-0.09 | $-0.16 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $62.3M | $7.7M |
| Total DebtLower is stronger | $3.7M | — |
| Stockholders' EquityBook value | $-68.4M | $63.0M |
| Total Assets | $110.8M | $153.5M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $7.7M | ||
| Q3 25 | — | $6.7M | ||
| Q2 25 | — | $6.6M | ||
| Q1 25 | $62.3M | $11.7M | ||
| Q4 24 | — | $18.3M | ||
| Q3 24 | $49.1M | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | $3.7M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $20.1M | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | — | $63.0M | ||
| Q3 25 | — | $94.7M | ||
| Q2 25 | — | $88.5M | ||
| Q1 25 | $-68.4M | $71.9M | ||
| Q4 24 | — | $-67.8M | ||
| Q3 24 | $-47.0M | $-7.4M | ||
| Q2 24 | — | $-74.0M | ||
| Q1 24 | $-10.9M | $-9.4M |
| Q4 25 | — | $153.5M | ||
| Q3 25 | — | $191.0M | ||
| Q2 25 | — | $182.1M | ||
| Q1 25 | $110.8M | $148.5M | ||
| Q4 24 | — | $125.7M | ||
| Q3 24 | $115.0M | $52.2M | ||
| Q2 24 | — | $51.8M | ||
| Q1 24 | $54.5M | $51.5M |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $-1.5M | $-16.1M |
| Free Cash FlowOCF − Capex | $-1.7M | — |
| FCF MarginFCF / Revenue | -16.5% | — |
| Capex IntensityCapex / Revenue | 1.7% | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $-16.1M | ||
| Q3 25 | — | $-2.5M | ||
| Q2 25 | — | $-4.0M | ||
| Q1 25 | $-1.5M | $-5.0M | ||
| Q4 24 | — | $-3.3M | ||
| Q3 24 | $-11.3M | $-2.2M | ||
| Q2 24 | — | $-859.6K | ||
| Q1 24 | $-221.0K | $-354.2K |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | $-1.7M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | $-233.0K | — |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | -16.5% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | -1.8% | — |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 1.7% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | 0.1% | — |
| Q4 25 | — | — | ||
| Q3 25 | — | -4.47× | ||
| Q2 25 | — | -0.30× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | -6.82× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CURR
| Sales Of Airtime | $5.5M | 54% |
| Fiat Remittance Service | $4.4M | 44% |
FLD
| Banking And Payment Revenues | $8.4M | 92% |
| Other | $706.0K | 8% |
