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Fold Holdings, Inc.（FLD）与Rocky Mountain Chocolate Factory, Inc.（RMCF）财务数据对比。点击上方公司名可切换其他公司
Fold Holdings, Inc.的季度营收约是Rocky Mountain Chocolate Factory, Inc.的1.2倍（$9.1M vs $7.5M），Rocky Mountain Chocolate Factory, Inc.净利率更高（-2.1% vs -379.9%，领先377.9%），Fold Holdings, Inc.同比增速更快（8.2% vs -4.4%），过去两年Fold Holdings, Inc.的营收复合增速更高（36.1% vs 1.9%）
Fold Holdings, Inc.是一家总部位于美国的金融科技企业，主打融合加密货币功能的消费金融产品，核心服务包括可获得比特币等加密货币返现的奖励借记卡，以及易用的数字钱包工具，主要服务北美地区个人消费者。
落基山巧克力厂是美国知名巧克力企业，同时开展国际特许经营业务，集糖果生产与零售运营于一体，总部位于美国科罗拉多州杜兰戈，除美国本土门店外，在巴拿马、菲律宾也设有经营网点。
FLD vs RMCF — 直观对比
营收规模更大
FLD
是对方的1.2倍
$7.5M
营收增速更快
FLD
高出12.6%
-4.4%
净利率更高
RMCF
高出377.9%
-379.9%
两年增速更快
FLD
近两年复合增速
1.9%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $9.1M | $7.5M |
| 净利润 | $-34.7M | $-155.0K |
| 毛利率 | — | 34.0% |
| 营业利润率 | -380.0% | 1.1% |
| 净利率 | -379.9% | -2.1% |
| 营收同比 | 8.2% | -4.4% |
| 净利润同比 | -7232.4% | 81.7% |
| 每股收益（稀释后） | $-0.02 | $-0.02 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收FLDRMCF
| Q4 25 | $9.1M | $7.5M | ||
| Q3 25 | $7.4M | $6.8M | ||
| Q2 25 | $8.2M | $6.4M | ||
| Q1 25 | $7.1M | $8.9M | ||
| Q4 24 | $8.4M | $7.9M | ||
| Q3 24 | $5.2M | $6.4M | ||
| Q2 24 | $5.1M | $6.4M | ||
| Q1 24 | $4.9M | $7.3M |
净利润FLDRMCF
| Q4 25 | $-34.7M | $-155.0K | ||
| Q3 25 | $554.2K | $-662.0K | ||
| Q2 25 | $13.4M | $-324.0K | ||
| Q1 25 | $-48.9M | $-2.9M | ||
| Q4 24 | $486.4K | $-847.0K | ||
| Q3 24 | $-62.3M | $-722.0K | ||
| Q2 24 | $-2.3M | $-1.7M | ||
| Q1 24 | $-945.0K | $-1.6M |
毛利率FLDRMCF
| Q4 25 | — | 34.0% | ||
| Q3 25 | — | 23.6% | ||
| Q2 25 | — | 31.1% | ||
| Q1 25 | — | 10.8% | ||
| Q4 24 | — | 23.4% | ||
| Q3 24 | — | 31.8% | ||
| Q2 24 | — | 12.8% | ||
| Q1 24 | — | 24.3% |
营业利润率FLDRMCF
| Q4 25 | -380.0% | 1.1% | ||
| Q3 25 | 7.5% | -7.0% | ||
| Q2 25 | — | -2.3% | ||
| Q1 25 | -689.6% | -30.3% | ||
| Q4 24 | -9.1% | -8.9% | ||
| Q3 24 | -15.3% | -14.3% | ||
| Q2 24 | -12.2% | -25.4% | ||
| Q1 24 | -14.7% | -21.7% |
净利率FLDRMCF
| Q4 25 | -379.9% | -2.1% | ||
| Q3 25 | 7.5% | -9.7% | ||
| Q2 25 | 164.2% | -5.1% | ||
| Q1 25 | -689.6% | -32.5% | ||
| Q4 24 | 5.8% | -10.7% | ||
| Q3 24 | -1188.7% | -11.3% | ||
| Q2 24 | -45.1% | -25.9% | ||
| Q1 24 | -19.2% | -21.9% |
每股收益（稀释后）FLDRMCF
| Q4 25 | $-0.02 | $-0.02 | ||
| Q3 25 | $0.01 | $-0.09 | ||
| Q2 25 | $0.28 | $-0.04 | ||
| Q1 25 | $-1.92 | $-0.38 | ||
| Q4 24 | $0.09 | $-0.11 | ||
| Q3 24 | $-10.68 | $-0.11 | ||
| Q2 24 | $-0.40 | $-0.26 | ||
| Q1 24 | $-0.16 | $-0.25 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $7.7M | $641.0K |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $63.0M | $6.0M |
| 总资产 | $153.5M | $20.7M |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资FLDRMCF
| Q4 25 | $7.7M | $641.0K | ||
| Q3 25 | $6.7M | $2.0M | ||
| Q2 25 | $6.6M | $893.0K | ||
| Q1 25 | $11.7M | $720.0K | ||
| Q4 24 | $18.3M | $1.1M | ||
| Q3 24 | — | $973.0K | ||
| Q2 24 | — | $637.0K | ||
| Q1 24 | — | $2.1M |
股东权益FLDRMCF
| Q4 25 | $63.0M | $6.0M | ||
| Q3 25 | $94.7M | $6.1M | ||
| Q2 25 | $88.5M | $6.7M | ||
| Q1 25 | $71.9M | $7.0M | ||
| Q4 24 | $-67.8M | $9.8M | ||
| Q3 24 | $-7.4M | $10.5M | ||
| Q2 24 | $-74.0M | $9.0M | ||
| Q1 24 | $-9.4M | $10.6M |
总资产FLDRMCF
| Q4 25 | $153.5M | $20.7M | ||
| Q3 25 | $191.0M | $22.3M | ||
| Q2 25 | $182.1M | $20.1M | ||
| Q1 25 | $148.5M | $21.2M | ||
| Q4 24 | $125.7M | $21.6M | ||
| Q3 24 | $52.2M | $21.1M | ||
| Q2 24 | $51.8M | $19.0M | ||
| Q1 24 | $51.5M | $20.6M |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $-16.1M | $-1.2M |
| 自由现金流经营现金流 - 资本支出 | — | $-1.3M |
| 自由现金流率自由现金流/营收 | — | -16.9% |
| 资本支出强度资本支出/营收 | — | 0.5% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流FLDRMCF
| Q4 25 | $-16.1M | $-1.2M | ||
| Q3 25 | $-2.5M | $-488.0K | ||
| Q2 25 | $-4.0M | $350.0K | ||
| Q1 25 | $-5.0M | $1.2M | ||
| Q4 24 | $-3.3M | $-2.1M | ||
| Q3 24 | $-2.2M | $-3.5M | ||
| Q2 24 | $-859.6K | $-2.2M | ||
| Q1 24 | $-354.2K | $129.0K |
自由现金流FLDRMCF
| Q4 25 | — | $-1.3M | ||
| Q3 25 | — | $-544.0K | ||
| Q2 25 | — | $182.0K | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $-4.6M | ||
| Q2 24 | — | $-2.6M | ||
| Q1 24 | — | $-352.3K |
自由现金流率FLDRMCF
| Q4 25 | — | -16.9% | ||
| Q3 25 | — | -8.0% | ||
| Q2 25 | — | 2.9% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | -72.6% | ||
| Q2 24 | — | -40.2% | ||
| Q1 24 | — | -4.9% |
资本支出强度FLDRMCF
| Q4 25 | — | 0.5% | ||
| Q3 25 | — | 0.8% | ||
| Q2 25 | — | 2.6% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 17.5% | ||
| Q2 24 | — | 6.5% | ||
| Q1 24 | — | 6.6% |
现金转化率FLDRMCF
| Q4 25 | — | — | ||
| Q3 25 | -4.47× | — | ||
| Q2 25 | -0.30× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | -6.82× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
FLD
| Banking And Payment Revenues | $8.4M | 92% |
| Other | $706.0K | 8% |
RMCF
| Manufacturing | $5.9M | 78% |
| Transferred At Point In Time | $1.2M | 16% |
| Other | $414.0K | 5% |
