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SHF Holdings, Inc.

SHFS

$0.18 ▼ -0.01 (-2.68%) at close

6 Visible periods

29 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Poor

Bearish

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Analytical Summary

SHF Holdings, Inc. faces fundamental challenges with weakness in Return on Common Equity (%) and Profit Margin (%). The fundamentals warrant careful consideration of downside risks.

Market Cap —

Dividend Yield —

Revenue Growth -49.7% ↘

Op. Margin -70.4% ↘

ROIC -63.8% ↘

FCF / Share $-1.17 ↘

Trailing P/E —

Price / Book 0.1x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 6, 2026.

6-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$7.67M

↓ -49.7% —

Net Income Profit after all expenses

$-2.16M

↑ +95.5% —

Operating Margin Operating profit as % of sales

-70.4%

↓ -51.2% 4th

FCF / Share Free cash flow per share

$-1.17

↓ -853.5% —

Long-Term Debt Long-term obligations

$55.65M

↑ +194.5% —

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Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Operating Margin (%)Operating Margin (%) is in the bottom quartile
Profit Margin (%)Profit Margin (%) is in the bottom quartile
Return on Common Equity (%)Return on Common Equity (%) is in the bottom quartile

Health Breakdown

Profitability

Returns

Financial Health ↓

Cash Quality ↑

Financial view

Statement lens

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Annual Quarterly

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📈 Is growth accelerating? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Revenue Growth YoY (%)	-49.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-928%)	-13.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-320%)	85.3% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1321%)	35.3% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+488%)	—	—
EPS Growth YoY (%)	95.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-4151.2% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	77.8% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—
Net Income Growth YoY (%)	95.5% Excellent ↑ Excellent Improving Year-over-year change in net income	-179.6% Weak Weak Year-over-year change in net income	50.8% Excellent Excellent Year-over-year change in net income	N/M	—	—
Revenue CAGR 3Y (%)	-6.8% Weak Weak Compound annual revenue growth over 3 years	29.6% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Operating Margin (%) (%)	-70.4% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-381%)	-46.5% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-286%)	-117.9% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-572%)	-23.2% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-193%)	46.9% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+88%)	—
Effective Tax Rate (%) (%)	2.6% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-983.4% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	9.6% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.8% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—
Profit Margin (%) (%)	-28.2% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-228%)	-317.0% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-1541%)	-98.4% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-547%)	-370.6% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-1785%)	46.9% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+113%)	—
FCF Margin (%) (%)	-44.5% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	2.8% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	-5.9% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	17.7% Good Good Free cash flow as a percentage of revenue Optimal: > 10%	42.0% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—
FCF / Net Income (x)	1.58x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-0.01x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.06x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-0.05x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	0.89x Caution Caution Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Return on Invested Capital (%)	-63.8% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	625.3% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	-20.8% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-7.2% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	35.4% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	-31.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-53.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-30.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-2.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	43.7% Excellent Excellent Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	-26.2% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-319%)	—	-50.3% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-519%)	—	44.8% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+273%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Debt to Equity (x)	—	—	1.62x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+35%)	3.70x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+208%)	—	—
Interest Coverage (x)	-13.90x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-17.01x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-18.60x Weak Weak Operating income divided by interest expense Optimal: > 5x	-3.12x Weak Weak Operating income divided by interest expense Optimal: > 5x	—	—
Net Debt (USD)	$-6.78M	$-2.32M	$50.76M	$10.51M	$-5.50M	—
Debt / EBITDA (x)	—	—	-2.88x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-9.41x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Revenue per Share (USD)	$2.63	$5.50	$0.41	$0.50	—	—
Basic EPS, GAAP (USD)	$-0.82	$-17.43	$-0.41	$-1.85	—	—
Free Cash Flow per Share (USD)	$-1.17	$0.16	$-0.02	$0.09	—	—
Book Value per Share (USD)	$2.82	$-4.41	$0.63	$0.22	—	—
Tangible Book Value per Share (USD)	$2.82	$-7.57	$0.41	$-0.60	—	—
Basic Weighted Avg Shares (shares)	2.92M	2.77M	42.57M	18.99M	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Working Capital (USD)	$5.70M	$-983.83K	$-135.35K	$-39.34M	$5.92M	—
LT Debt (USD)	—	—	$55.65M	$18.90M	—	—
Total Equity (USD)	$8.24M	$-12.29M	$34.36M	$5.11M	$7.34M	$4.35M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗
Sales/Revenue/Turnover (USD)	$7.67M	$15.24M	$17.56M	$9.48M	$7.01M	—
Depreciation Expense (USD)	$3.15K	$711.93K	$1.37M	$189.27K	$1.92K	—
Net Income, GAAP (USD)	$-2.16M	$-48.32M	$-17.28M	$-35.13M	$3.29M	—
Operating Cash Flow (USD)	$-3.42M	$430.48K	$-832.14K	$1.70M	$2.95M	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 6 years · 22 quarters

SHF Holdings, Inc.

Analytical Summary

6-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Statement lens

Benchmark Lens

Signals

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