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SHF Holdings, Inc.

SHFS

$0.17 ▲ +0.01 (+6.86%) at close

23 Visible periods

31 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 $1.2M

Dividend Yield —

Revenue Growth 4.8% ↗

Op. Margin -53.0% ↗

ROIC -13.3% ↗

FCF / Share $-0.25 ↘

Trailing P/E —

Price / Book 0.3x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Sep 22, 2026.

23-Year Financial Trajectory

Quarterly

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$1.93M

↑ +4.8% —

Net Income Profit after all expenses

$-1.51M

↓ -62.6% —

Operating Margin Operating profit as % of sales

-53.0%

↑ +40.6% 4th

FCF / Share Free cash flow per share

$-0.25

↓ -2.3% —

Long-Term Debt Long-term obligations

$54.83M

— -0.2% —

trending_up

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? 6 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗
Revenue Growth YoY (%)	4.8% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-19%)	2.2% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-63%)	-43.8% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-831%)	-47.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-889%)	-54.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-1005%)	-52.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-972%)	-18.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-400%)	-19.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-427%)	-11.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-295%)	-3.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-152%)	25.2% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+320%)	82.1% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1269%)	—	—	109.3% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1722%)	38.6% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+543%)	—	—	—	—	—	—	—
EPS Growth YoY (%)	-9.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-290.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	98.6% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	500.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	-144.9% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	N/M	-290.3% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	-233.3% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	20.0% Good Good Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—	—
Net Income Growth YoY (%)	-62.6% Weak ↑ Weak Improving Year-over-year change in net income	-467.3% Weak ↓ Weak Declining Year-over-year change in net income	98.9% Excellent Excellent Year-over-year change in net income	-49.3% Weak Weak Year-over-year change in net income	N/M	N/M	N/M	N/M	N/M	N/M	N/M	N/M	-863.4% Weak Weak Year-over-year change in net income	N/M	N/M	-44.6% Weak Weak Year-over-year change in net income	-229742.1% Weak Weak Year-over-year change in net income	N/M	—	—	—	—	—
FCF Growth YoY (%)	—	39.5% Excellent Excellent Year-over-year change in free cash flow	—	—	—	N/M	—	—	—	N/M	—	—	—	43.4% Excellent Excellent Year-over-year change in free cash flow	—	—	—	—	—	—	—	—	—
Revenue CAGR 3Y (%)	-24.9% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-22.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-16.8% Weak Weak Compound annual revenue growth over 3 years	-8.3% Weak Weak Compound annual revenue growth over 3 years	—	—	29.1% Excellent Excellent Compound annual revenue growth over 3 years	26.6% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	—	—	—	0.0% Caution Caution Compound annual EPS growth over 3 years	—	—	—	-41.5% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗
Operating Margin (%) (%)	-53.0% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-312%)	-89.3% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-457%)	-59.1% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-337%)	-66.4% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-366%)	-52.6% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-310%)	-76.5% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-406%)	-215.0% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-960%)	5.1% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-80%)	7.4% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-70%)	8.0% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-68%)	-38.6% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-254%)	12.3% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	-391.7% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-1667%)	-38.8% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-255%)	-108.0% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-532%)	34.7% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	—	—	42.1% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+68%)	55.1% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+120%)	—	—	—
Effective Tax Rate (%) (%)	—	—	0.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.0% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	5.9% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	-557.3% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	1.9% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	34.1% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-27.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-34.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-9.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	3.6% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.1% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	-0.7% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—
Profit Margin (%) (%)	-78.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-456%)	-90.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-509%)	-28.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-228%)	9.8% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-56%)	-50.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-329%)	-16.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-174%)	—	10.2% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-54%)	23.3% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	50.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+130%)	55.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+152%)	-17.3% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-178%)	-385.0% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-1850%)	-33.8% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-254%)	—	21.1% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—	—	42.1% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+91%)	52.7% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+140%)	—	—	—
FCF Margin (%) (%)	-90.7% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	-54.6% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	-51.6% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	-29.3% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	—	-59.0% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	-75.6% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—	—	36.4% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	-13.6% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—	—	-18.5% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	-7.7% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—	—	—	44.4% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—	—	—
FCF / Net Income (x)	1.16x Fair ↑ Fair Improving Free cash flow relative to reported net income Optimal: > 1x	0.61x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	1.83x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-3.00x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	—	3.64x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	0.05x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—	—	0.72x Caution Caution Free cash flow relative to reported net income Optimal: > 1x	-0.24x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—	—	0.55x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	0.01x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—	—	-0.23x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	1.06x Fair Fair Free cash flow relative to reported net income Optimal: > 1x	—	0.13x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—	—

🎯 Is capital allocation efficient? 3 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗
Return on Invested Capital (%)	-13.3% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-20.7% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-14.8% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-17.4% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	5.1% Caution ↓ Caution Declining Return earned on debt + equity capital invested Optimal: > 10%	6.9% Caution ↓ Caution Declining Return earned on debt + equity capital invested Optimal: > 10%	422.2% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	0.2% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	0.2% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	0.4% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-2.6% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	1.4% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-41.3% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-1.9% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-12.7% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	1.3% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-6.2% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	9.5% Fair ↑ Fair Improving Return earned on debt + equity capital invested Optimal: > 10%	7.7% Fair ↑ Fair Improving Return earned on debt + equity capital invested Optimal: > 10%	11.5% Good ↑ Good Improving Return earned on debt + equity capital invested Optimal: > 10%	-0.2% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	-2.6% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	-7.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-11.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	-7.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-8.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-16.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-22.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-59.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-2.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-24.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-1.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-3.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-1.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	9.6% Fair Fair Operating profit relative to total assets Optimal: > 10%	—	-0.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	-24.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-307%)	-26.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-320%)	-7.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-159%)	2.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	5.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-57%)	1.9% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	—	0.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-93%)	2.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-80%)	5.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-54%)	7.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-40%)	-2.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-123%)	-64.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-636%)	-3.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-127%)	—	1.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-86%)	-6.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-150%)	-13.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-209%)	9.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	13.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+16%)	-0.0% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-100%)	-3.3% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-127%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗
Debt to Equity (x)	—	—	—	—	—	—	—	1.39x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+16%)	1.43x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+19%)	1.57x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+31%)	1.62x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+35%)	0.54x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-55%)	0.53x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-56%)	0.33x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-73%)	3.70x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+208%)	0.58x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-52%)	—	—	—	—	—	—	—
Interest Coverage (x)	-448.19x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-385.01x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-27.45x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-10.57x Weak Weak Operating income divided by interest expense Optimal: > 5x	—	-13.01x Weak Weak Operating income divided by interest expense Optimal: > 5x	—	—	—	2.11x Caution ↑ Caution Improving Operating income divided by interest expense Optimal: > 5x	-5.76x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	1.49x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-50.64x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-1.94x Weak Weak Operating income divided by interest expense Optimal: > 5x	-5.77x Weak Weak Operating income divided by interest expense Optimal: > 5x	—	—	—	—	—	—	—	—
Net Debt (USD)	$-5.73M	$-5.90M	$-6.78M	$-861.72K	$-247.32K	$-931.40K	$-2.32M	$48.97M	$48.85M	$52.54M	$50.76M	$5.55M	$6.26M	$5.87M	$10.51M	$10.46M	$-172.44K	$-47.88K	$-5.50M	—	$-938.80K	—	—
Debt / EBITDA (x)	—	—	—	—	—	—	—	309.95x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	183.10x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	111.72x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-38.62x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	27.28x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-0.81x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-16.66x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-5.14x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	21.48x Weak Weak Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—	—	—	—	—

📊 What does each share earn? 6 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗
Revenue per Share (USD)	$0.28	$0.45	—	$0.63	$0.65	$0.69	—	$0.06	$0.07	$0.07	—	$0.09	$0.10	$0.16	—	$0.13	—	—	—	$0.09	—	—	—
Basic EPS, GAAP (USD)	$-0.36	$-0.43	$-0.26	$0.06	$-0.33	$-0.11	$-18.64	$0.01	$0.02	$0.04	$-7.61	$-0.02	$-0.40	$-0.06	$-1.95	$0.06	$-0.12	—	—	$0.05	—	—	—
Free Cash Flow per Share (USD)	$-0.25	$-0.25	—	$-0.19	—	$-0.41	—	—	—	$0.03	—	—	—	$-0.03	—	—	—	$-0.05	—	—	—	—	—
Book Value per Share (USD)	$0.49	$1.54	—	$2.40	$-6.32	$-6.08	—	$0.71	$0.69	$0.67	$12.59	$0.58	$0.59	$1.09	$0.22	$1.64	$8.46	$-1.76	—	$0.35	—	$0.01	—
Tangible Book Value per Share (USD)	$0.49	$1.54	—	$2.40	$-6.32	$-6.08	—	$0.60	$0.58	$0.56	$8.28	$0.37	$0.38	$0.61	$-0.60	$1.64	$8.46	$-1.76	—	$0.35	—	$0.01	—
Basic Weighted Avg Shares (shares)	6.93M	4.35M	—	2.91M	2.83M	2.79M	—	55.50M	55.43M	55.21M	—	49.26M	43.86M	25.67M	—	18.72M	3.57M	3.40M	—	18.72M	—	2.50M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗
Working Capital (USD)	$4.73M	$5.53M	$5.70M	$5.77M	$-7.38M	$-6.72M	$-983.83K	$-2.52M	$301.74K	$318.82K	$-135.35K	$-9.38M	$-9.42M	$-9.00M	$-39.34M	$-28.24M	$-1.81M	$-821.48K	$5.92M	—	$757.17K	—	—
LT Debt (USD)	—	—	—	—	—	—	—	$54.83M	$54.96M	$58.17M	$55.65M	$14.50M	$14.50M	$14.50M	$18.90M	$17.73M	—	—	—	—	—	—	—
Total Equity (USD)	$6.10M	$6.73M	$8.24M	$7.00M	$-17.86M	$-16.95M	$-12.29M	$39.35M	$38.46M	$36.97M	$34.36M	$27.02M	$27.35M	$44.00M	$5.11M	$30.70M	$30.22M	$-6.00M	$7.34M	$6.51M	$5.00M	$24.20K	$4.35M

📋 What is driving earnings? 4 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗
Sales/Revenue/Turnover (USD)	$1.93M	$1.98M	$2.06M	$1.83M	$1.85M	$1.93M	$3.67M	$3.48M	$4.04M	$4.05M	$4.48M	$4.33M	$4.57M	$4.18M	$3.58M	$2.38M	—	—	$1.71M	$1.72M	—	—	—
Depreciation Expense (USD)	—	—	$0.00	$637.00	$1.08K	$1.44K	$160.57K	—	—	$195.71K	$287.17K	—	—	$751.23K	$185.70K	—	—	—	$657.00	—	—	—	—
Net Income, GAAP (USD)	$-1.51M	$-1.78M	$-582.59K	$179.51K	$-930.72K	$-313.63K	$-51.66M	$353.82K	$941.53K	$2.05M	$2.49M	$-748.07K	$-17.60M	$-1.41M	$-37.02M	$501.60K	$-1.83M	$784.55K	$718.35K	$905.30K	$-795.00	$-795.00	—
Operating Cash Flow (USD)	$-1.76M	$-1.08M	$-1.06M	$-538.04K	—	$-1.14M	$-2.78M	—	—	$1.48M	$-607.11K	—	—	$-226.44K	$-270.39K	—	—	$-181.64K	$763.49K	—	$-105.00	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced yesterday 6 years · 23 quarters

SHF Holdings, Inc.

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