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SHF Holdings, Inc.

SHFS Clue Score30
United States Fiscal year ends December CIK 0001854963
$0.43 -5.44% Close, 9 Oct 2026
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Price $0.43 −95.72% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 20 Aug 2021. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueOperating incomeNet income
Fiscal year 2021Revenue7.0Operating income3.3Net income3.3Fiscal year 2022Revenue9.5 +35.3%Operating income−2.2Net income−35.1 −1,168.7%EPS, diluted−1.85Fiscal year 2023Revenue17.6 +85.3%Operating income−20.7Net income−17.3EPS, diluted−8.12Fiscal year 2024Revenue15.2 −13.2%Operating income−7.1Net income−48.3EPS, diluted−17.43Fiscal year 2025Revenue7.7 −49.7%Operating income−5.4Net income−2.2EPS, diluted−0.82
FY2021FY2022FY2023FY2024FY2025
Revenue 7.0 9.5 17.6 15.2 7.7
Growth +35.3% +85.3% −13.2% −49.7%
Operating income 3.3 −2.2 −20.7 −7.1 −5.4
Net income 3.3 −35.1 −17.3 −48.3 −2.2
Growth −1,168.7%
EPS, diluted n/a −1.85 −8.12 −17.43 −0.82

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Operating marginNet margin
Fiscal year 2021Operating margin46.9%Net margin46.9%Free cash flow margin42.0%Fiscal year 2022Operating margin−23.2%Net margin−370.6%Free cash flow margin17.7%Fiscal year 2023Operating margin−118.0%Net margin−98.4%Free cash flow margin−5.9%Fiscal year 2024Operating margin−46.5%Net margin−317.0%Fiscal year 2025Operating margin−70.4%Net margin−28.2%
FY2021FY2022FY2023FY2024FY2025
Operating margin 46.9% −23.2% −118.0% −46.5% −70.4%
Net margin 46.9% −370.6% −98.4% −317.0% −28.2%
Free cash flow margin 42.0% 17.7% −5.9% n/a n/a

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2021Operating cash flow2.9Capital expenditure−0.0Free cash flow2.9Fiscal year 2022Operating cash flow1.7Capital expenditure−0.0Free cash flow1.7 −42.9%Fiscal year 2023Operating cash flow−0.8Capital expenditure−0.2Free cash flow−1.0 −161.9%Fiscal year 2024Operating cash flow0.4Fiscal year 2025Operating cash flow−3.4
FY2021FY2022FY2023FY2024FY2025
Operating cash flow 2.9 1.7 −0.8 0.4 −3.4
Capital expenditure −0.0 −0.0 −0.2 n/a n/a
Free cash flow 2.9 1.7 −1.0 n/a n/a
Growth −42.9% −161.9%

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2021Cash5.5Shareholders’ equity7.3Fiscal year 2022Cash8.4Total debt18.9Net cash (debt)−10.5Shareholders’ equity5.1Debt to equity3.70Fiscal year 2023Cash4.9Total debt55.6Net cash (debt)−50.8Shareholders’ equity34.4Debt to equity1.62Fiscal year 2024Cash2.3Shareholders’ equity−12.3Fiscal year 2025Cash6.8Shareholders’ equity8.2
FY2021FY2022FY2023FY2024FY2025
Cash 5.5 8.4 4.9 2.3 6.8
Total debt n/a 18.9 55.6 n/a n/a
Net cash (debt) n/a −10.5 −50.8 n/a n/a
Shareholders’ equity 7.3 5.1 34.4 −12.3 8.2
Debt to equity n/a 3.70 1.62 n/a n/a

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
46.9% −23.2% −118.0% −46.5% −70.4%
46.9% −468.2% −108.8% −29.3% −28.9%
46.9% −370.6% −98.4% −317.0% −28.2%
42.0% 17.7% −5.9% n/a n/a
Spending
8.1% 25.2% 37.5% 26.4% 42.9%
0.1% 0.2% 1.2% n/a n/a
Returns
44.8% −687.0% −50.3% n/a −26.2%
43.7% −35.3% −25.5% −365.6% −12.6%
Balance and payout
n/a 3.70 1.62 n/a n/a
2.4% 94.9% 49.4% 193.0% 52.1%