SHF Holdings, Inc.
SHFS Nasdaq· Finance Services
Last close · Oct 23, 2026
$0.13
KIRA · Stoqly’s AI analyst, in plain words
- SHF Holdings, Inc. had $7.7M of revenue in fiscal 2025, down 49.7% on the year before.
- Its operating margin was −70.4%, down 23.8 pts: of every 100 in sales, about −70 is left after running the business.
- SHF Holdings, Inc. lost $2.2M in fiscal 2025.
Market cap
$0.9M
P/E
—
Revenue
$7.7M
Net income
−$2.2M
Free cash flow
—
Operating margin
−70.4%
SHF Holdings, Inc. in 30 seconds · fiscal 2025
Are sales growing?
−49.7%
No. Sales fell 49.7% last year.
Does it make a profit?
−28.2%
No. It lost money last year.
How healthy are the accounts?
2 / 7
Weak. It passes 2 of 7 health tests.
How is the share priced?
—
No P/E: it made no profit over the last four quarters.
What SHF Holdings, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Apr 15, 2026
- Legal name
- SHF Holdings, Inc.
- CIK
- 0001854963
SHF Holdings, Inc. · SHFS
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $7.0M | $9.5M | $17.6M | $15.2M | $7.7M |
| Revenue growth | — | 35.3% | 85.3% | −13.2% | −49.7% |
| Operating margin | 46.9% | −23.2% | −118.0% | −46.5% | −70.4% |
| Net income | $3.3M | −$35.1M | −$17.3M | −$48.3M | −$2.2M |
| Net margin | 46.9% | −370.6% | −98.4% | −317.0% | −28.2% |
| Diluted EPS | — | −$1.85 | −$8.12 | −$17.43 | −$0.82 |
| Cash | |||||
| Cash from operations | $2.9M | $1.7M | −$0.8M | $0.4M | −$3.4M |
| Capital expenditure | $0.0M | $0.0M | $0.2M | — | — |
| Free cash flow | $2.9M | $1.7M | −$1.0M | — | — |
| FCF margin | 42.0% | 17.7% | −5.9% | — | — |
| Share count change | — | — | −88.8% | 30.3% | 5.4% |
| Debt and strength | |||||
| Cash and short-term investments | $5.5M | $8.4M | $4.9M | $2.3M | $6.8M |
| Debt incl. finance leases | — | $18.9M | $55.6M | — | — |
| Deposits | — | $8.3M | $4.6M | $2.2M | — |
| Shareholders' equity | $7.3M | $5.1M | $34.4M | −$12.3M | $8.2M |
| Current ratio | 33.6x | 0.2x | 1.0x | 0.9x | 1.9x |
| Interest coverage | — | −3.1x | −18.6x | −13.3x | −11.0x |
| Returns and quality | |||||
| Return on capital | — | −11.1% | −19.2% | — | — |
| Return on equity | 44.8% | −564.2% | −87.6% | −437.9% | — |
| Return on tangible equity | 44.8% | — | −76.5% | — | −29.2% |
| Piotroski F-score | — | — | 5 | 3 | 2 |
| Altman Z'' | 47.6 | −4.0 | −4.4 | −34.4 | −22.3 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
SHF Holdings, Inc. · SHFS
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $0.13 a share, the company is worth $0.9M.
Source: SEC EDGAR XBRL filings (CIK 0001854963). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.