📊 SHFSW Key Takeaways
Is SHF Holdings, Inc. (SHFSW) a Good Investment?
SHF Holdings is in severe financial distress with deteriorating fundamentals across all key metrics. The company is burning cash from operations ($2.4M negative FCF), unprofitable (28.1% net loss margin), and heavily leveraged (1.54x debt/equity) with insufficient liquidity reserves ($862K cash against $10.8M debt). Declining revenue (-13.2% YoY) combined with negative operating income (-74.5% margin) and inability to service debt makes bankruptcy risk substantial.
SHF Holdings, Inc. Key Strengths (SHFSW)
- Current ratio of 2.08x suggests short-term liquidity is not immediately critical
- Low capital expenditure requirements ($208K) reduce funding pressure
- Finance services sector could recover if market conditions improve
SHFSW Stock Risks: SHF Holdings, Inc. Investment Risks
- Negative operating cash flow of $2.4M annually is unsustainable; company is burning through reserves
- High leverage (1.54x debt/equity) with $10.8M debt against only $7.0M equity; interest coverage ratio of -27.1x indicates inability to service debt from operations
- Deteriorating profitability with net income declining 179.6% YoY; operating margin of -74.5% shows structural unprofitability
- Declining revenue (-13.2% YoY) suggests weakening business demand or market position
- Cash reserves of only $862K are grossly insufficient relative to $6.7M liabilities and ongoing operational losses
- Zero insider filings in 90 days suggests complete loss of insider confidence
Key Metrics to Watch
- Operating cash flow trend - critical to assess runway before cash depletion
- Revenue stabilization - watch for whether decline accelerates or reverses
- Cash balance depletion rate - at current burn, how many months of operations remain?
- Debt covenant compliance - risk of breach given negative operating performance
SHF Holdings, Inc. (SHFSW) Financial Metrics & Key Ratios
💡 AI Analyst Insight
Strong liquidity with a 2.08x current ratio provides a solid financial cushion.
SHFSW Profit Margin, ROE & Profitability Analysis
SHFSW vs Finance Sector: How SHF Holdings, Inc. Compares
How SHF Holdings, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is SHF Holdings, Inc. Stock Overvalued? SHFSW Valuation Analysis 2026
Based on fundamental analysis, SHF Holdings, Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
SHF Holdings, Inc. Balance Sheet: SHFSW Debt, Cash & Liquidity
SHFSW Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: SHF Holdings, Inc.'s revenue has grown significantly by 61% over the 5-year period, indicating strong business expansion. The most recent EPS of $-17.43 indicates the company is currently unprofitable.
SHFSW Revenue Growth, EPS Growth & YoY Performance
SHFSW Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $1.9M | -$827.2K | $-0.30 |
| Q3 2025 | $1.8M | $179.5K | $0.06 |
| Q2 2025 | $1.8M | -$930.7K | $0.33 |
| Q1 2025 | $1.9M | -$313.6K | $-0.11 |
| Q3 2024 | $3.5M | $353.8K | $0.01 |
| Q2 2024 | $4.0M | $941.5K | $0.02 |
| Q1 2024 | $4.1M | -$1.4M | $0.04 |
| Q3 2023 | $2.4M | -$748.1K | $-0.02 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
SHF Holdings, Inc. Dividends, Buybacks & Capital Allocation
SHFSW SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for SHF Holdings, Inc. (CIK: 0001854963)
📋 Recent SEC Filings
❓ Frequently Asked Questions about SHFSW
What is the AI rating for SHFSW?
SHF Holdings, Inc. (SHFSW) has an AI grade of D with 92% confidence, based on fundamental analysis of SEC EDGAR filings.
What are SHFSW's key strengths?
Claude: Current ratio of 2.08x suggests short-term liquidity is not immediately critical. Low capital expenditure requirements ($208K) reduce funding pressure.
What are the risks of investing in SHFSW?
Claude: Negative operating cash flow of $2.4M annually is unsustainable; company is burning through reserves. High leverage (1.54x debt/equity) with $10.8M debt against only $7.0M equity; interest coverage ratio of -27.1x indicates inability to service debt from operations.
What is SHFSW's revenue and growth?
SHF Holdings, Inc. reported revenue of $5.6M.
Does SHFSW pay dividends?
SHF Holdings, Inc. does not currently pay dividends.
Where can I find SHFSW SEC filings?
Official SEC filings for SHF Holdings, Inc. (CIK: 0001854963) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is SHFSW's EPS?
SHF Holdings, Inc. has a diluted EPS of $-0.56.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is SHFSW's fundamental grade?
Based on our AI fundamental analysis in June 2026, SHF Holdings, Inc. has a D grade with 92% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is SHFSW stock overvalued or undervalued?
Valuation metrics for SHFSW: ROE of -22.6% (sector avg: 12%), net margin of -28.1% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is SHFSW's AI grade for 2026?
Our dual AI analysis gives SHF Holdings, Inc. a combined D grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is SHFSW's free cash flow?
SHF Holdings, Inc.'s operating cash flow is $-2.4M, with capital expenditures of $208.4K. FCF margin is -45.7%.
How does SHFSW compare to other Finance stocks?
Vs Finance sector averages: Net margin -28.1% (avg: 25%), ROE -22.6% (avg: 12%), current ratio 2.08 (avg: 1.2).
Is SHF Holdings, Inc. carrying too much debt?
SHFSW has a debt-to-equity ratio of 1.54x, which is above the Finance sector average of 2x. However, the current ratio of 2.08 suggests adequate short-term liquidity.