SHF Holdings, Inc.

SHFS

CIK 0001854963 · Quarterly mode · latest period FY2025 (Q4) (ending 2025-12-31) · sourced from SEC EDGAR

At a glance · FY2025 (Q4)

Revenue
$2M
↓-43.8% -$2Mvs FY2024 (Q4)
Operating Income
$2M
↓-41.3% -$1Mvs FY2024 (Q4)
Net Income
$2M
Gross Profit
$2M
↓-43.8% -$2Mvs FY2024 (Q4)

Quality Score

Quality score

6-dimension fundamental snapshot · latest annual filed values · S&P 500 calibration

Weak
35/100
  • Profitability
    100ROIC 210.5% (10% = solid, 20%+ = moat)
  • Liquidity
    69Current Ratio 1.88 (above 1.5 = solid)
  • Leverage
    19D/E 1.62 (under 0.5 = conservative)
  • Efficiency
    23Asset Turnover 0.50x (1.0+ = capital-efficient)
  • Growth
    0Revenue YoY -43.8% (10% = solid, 25%+ = elite)
  • Margin Trend
    0Op Margin -66.4% · trend -80.9pts (4Q avg vs prior 4Q)

Calibrated to S&P 500 medians. Each sub-score is computed from a single CFA-grade ratio (Profitability = ROIC, Liquidity = Current Ratio, Leverage = D/E, Efficiency = Asset Turnover, Growth = Revenue YoY, Margin Trend = 4Q operating-margin avg vs prior 4Q). Overall = simple mean.

Capital allocation · trailing 4 quarters

how the company spent its cash
Capex (TTM)
investment in PP&E
Stock-based comp (TTM)
$2M
non-cash dilution

Balance sheet · 2025-12-31

latest filed snapshot
Total assets
$17M
everything owned
Total liabilities
$9M
everything owed
Stockholders' equity
$8M
shareholder claim
Net debt
$48M
LT debt minus cash

Recent performance · 20 quarters

Revenue↓-43.8% -$2M
$2M
Net Income↓-49.3% -$174K
$180K
Free Cash Flow↓-177.3% -$3M
$-1M
Operating Margin↓-71.5pts
-66.4%

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