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SHF HOLDINGS INC (SHFS) Stock Fundamental Analysis

NASDAQ:SHFS - Nasdaq - US8244303009 - Common Stock - Currency: USD

2.53  -0.07 (-2.69%)

Fundamental Rating

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We assign a fundamental rating of 0 out of 10 to SHFS. SHFS was compared to 101 industry peers in the Financial Services industry. SHFS has a bad profitability rating. Also its financial health evaluation is rather negative. SHFS does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1. Profitability

1.1 Basic Checks

SHFS had negative earnings in the past year.
In the past year SHFS has reported a negative cash flow from operations.
SHFS had negative earnings in 4 of the past 5 years.
In multiple years SHFS reported negative operating cash flow during the last 5 years.
SHFS Yearly Net Income VS EBIT VS OCF VS FCFSHFS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2020 2021 2022 2023 2024 0 -10M -20M -30M -40M

1.2 Ratios

Looking at the Return On Assets, with a value of -761.56%, SHFS is doing worse than 99.01% of the companies in the same industry.
Industry RankSector Rank
ROA -761.56%
ROE N/A
ROIC N/A
ROA(3y)-142.13%
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
SHFS Yearly ROA, ROE, ROICSHFS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 2024 0 200 -200 -400 -600

1.3 Margins

Looking at the Operating Margin, with a value of 1.94%, SHFS is doing worse than 72.28% of the companies in the same industry.
The Profit Margin and Gross Margin are not available for SHFS so they could not be analyzed.
Industry RankSector Rank
OM 1.94%
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
SHFS Yearly Profit, Operating, Gross MarginsSHFS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 2024 0 -100 -200 -300

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2. Health

2.1 Basic Checks

SHFS does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for SHFS has been reduced compared to 1 year ago.
SHFS has a worse debt/assets ratio than last year.
SHFS Yearly Shares OutstandingSHFS Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 10M 20M 30M 40M 50M
SHFS Yearly Total Debt VS Total AssetsSHFS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2021 2022 2023 2024 20M 40M 60M 80M 100M

2.2 Solvency

SHFS has an Altman-Z score of -24.40. This is a bad value and indicates that SHFS is not financially healthy and even has some risk of bankruptcy.
SHFS has a Altman-Z score of -24.40. This is amonst the worse of the industry: SHFS underperforms 81.19% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Altman-Z -24.4
ROIC/WACCN/A
WACC6.33%
SHFS Yearly LT Debt VS Equity VS FCFSHFS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2021 2022 2023 2024 0 20M 40M 60M 80M 100M

2.3 Liquidity

SHFS has a Current Ratio of 0.44. This is a bad value and indicates that SHFS is not financially healthy enough and could expect problems in meeting its short term obligations.
SHFS's Current ratio of 0.44 is on the low side compared to the rest of the industry. SHFS is outperformed by 65.35% of its industry peers.
SHFS has a Quick Ratio of 0.44. This is a bad value and indicates that SHFS is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.44, SHFS is doing worse than 65.35% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.44
Quick Ratio 0.44
SHFS Yearly Current Assets VS Current LiabilitesSHFS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 2024 10M 20M 30M 40M

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3. Growth

3.1 Past

SHFS shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -5465.46%.
Looking at the last year, SHFS shows a very negative growth in Revenue. The Revenue has decreased by -24.71% in the last year.
EPS 1Y (TTM)-5465.46%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-409.34%
Revenue 1Y (TTM)-24.71%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-52.29%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
SHFS Yearly Revenue VS EstimatesSHFS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2022 2023 2024 5M 10M 15M

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for SHFS. In the last year negative earnings were reported.
Industry RankSector Rank
PE N/A
Fwd PE N/A
SHFS Price Earnings VS Forward Price EarningsSHFS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

SHFS's Enterprise Value to EBITDA ratio is in line with the industry average.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 21.43
SHFS Per share dataSHFS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 -5 -10 -15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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5. Dividend

5.1 Amount

SHFS does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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SHF HOLDINGS INC

NASDAQ:SHFS (8/5/2025, 8:00:02 PM)

2.53

-0.07 (-2.69%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)04-01 2025-04-01
Earnings (Next)N/A N/A
Inst Owners21.91%
Inst Owner Change-76.86%
Ins Owners3.03%
Ins Owner Change0%
Market Cap7.03M
Analysts82.86
Price TargetN/A
Short Float %2.25%
Short Ratio1.43
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.54
P/FCF N/A
P/OCF N/A
P/B N/A
P/tB N/A
EV/EBITDA 21.43
EPS(TTM)-18.53
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.79
FCFYN/A
OCF(TTM)-0.79
OCFYN/A
SpS4.72
BVpS-6.1
TBVpS-6.1
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -761.56%
ROE N/A
ROCE -4.82%
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 1.94%
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)-142.13%
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover1.97
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Debt/EBITDA 13.51
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 0.68
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.44
Quick Ratio 0.44
Altman-Z -24.4
F-Score2
WACC6.33%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-5465.46%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-409.34%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-24.71%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-52.29%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y74.38%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-660.33%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-327.63%
OCF growth 3YN/A
OCF growth 5YN/A