SHF HOLDINGS INC (SHFS) Fundamental Analysis & Valuation

NASDAQ:SHFS • US8244303009

Current stock price

0.89 USD
+0.06 (+7.23%)
At close:
0.88 USD
-0.01 (-1.12%)
After Hours:

This SHFS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

0

1. SHFS Profitability Analysis

1.1 Basic Checks

  • In the past year SHFS has reported negative net income.
  • SHFS had a negative operating cash flow in the past year.
  • In the past 5 years SHFS reported 4 times negative net income.
  • 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

  • With a Return On Assets value of -385.89%, SHFS is not doing good in the industry: 96.94% of the companies in the same industry are doing better.
  • The Return On Equity of SHFS (-753.64%) is worse than 90.82% of its industry peers.
Industry RankSector Rank
ROA -385.89%
ROE -753.64%
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

  • The Profit Margin and Operating Margin and Gross Margin are not available for SHFS so they could not be analyzed.
Industry RankSector Rank
OM N/A
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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ROAROEROICOperating and Profit MarginShow most profitable peers

6

2. SHFS Health Analysis

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 -11.70. This is a bad value and indicates that SHFS is not financially healthy and even has some risk of bankruptcy.
  • SHFS's Altman-Z score of -11.70 is on the low side compared to the rest of the industry. SHFS is outperformed by 78.57% of its industry peers.
  • There is no outstanding debt for SHFS. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z -11.7
ROIC/WACCN/A
WACC4.88%
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 2.08. This indicates that SHFS is financially healthy and has no problem in meeting its short term obligations.
  • SHFS's Current ratio of 2.08 is fine compared to the rest of the industry. SHFS outperforms 77.55% of its industry peers.
  • A Quick Ratio of 2.08 indicates that SHFS has no problem at all paying its short term obligations.
  • The Quick ratio of SHFS (2.08) is better than 77.55% of its industry peers.
Industry RankSector Rank
Current Ratio 2.08
Quick Ratio 2.08
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

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

0

3. SHFS Growth Analysis

3.1 Past

  • SHFS shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -1008.39%.
  • Looking at the last year, SHFS shows a very negative growth in Revenue. The Revenue has decreased by -42.15% in the last year.
EPS 1Y (TTM)-1008.39%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-53.88%
Revenue 1Y (TTM)-42.15%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-47.3%

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

More info and screens

Find the best growth stocksShow best growing peers

0

4. SHFS Valuation Analysis

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

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
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

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. SHFS Dividend Analysis

5.1 Amount

  • SHFS does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

SHFS Fundamentals: All Metrics, Ratios and Statistics

SHF HOLDINGS INC

NASDAQ:SHFS (3/16/2026, 5:24:07 PM)

After market: 0.88 -0.01 (-1.12%)

0.89

+0.06 (+7.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-12
Earnings (Next)03-30
Inst Owners20.49%
Inst Owner Change108.01%
Ins Owners2.19%
Ins Owner Change0%
Market Cap2.74M
Revenue(TTM)9.28M
Net Income(TTM)-52.73M
Analysts82.86
Price TargetN/A
Short Float %6.33%
Short Ratio0.82
Dividend
Industry RankSector Rank
Dividend Yield 0%
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 0.3
P/FCF N/A
P/OCF N/A
P/B 0.39
P/tB 0.39
EV/EBITDA N/A
EPS(TTM)-18.94
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-1.67
FCFYN/A
OCF(TTM)-1.67
OCFYN/A
SpS3.01
BVpS2.27
TBVpS2.27
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -385.89%
ROE -753.64%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
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
ROICexgc growth 3YN/A
ROICexgc 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-Score4
Asset Turnover0.68
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 2.08
Quick Ratio 2.08
Altman-Z -11.7
F-Score4
WACC4.88%
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)-1008.39%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-53.88%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-42.15%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-47.3%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-316.86%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-618.99%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-936.36%
OCF growth 3YN/A
OCF growth 5YN/A

SHF HOLDINGS INC / SHFS Fundamental Analysis FAQ

What is the ChartMill fundamental rating of SHF HOLDINGS INC (SHFS) stock?

ChartMill assigns a fundamental rating of 2 / 10 to SHFS.


What is the valuation status for SHFS stock?

ChartMill assigns a valuation rating of 0 / 10 to SHF HOLDINGS INC (SHFS). This can be considered as Overvalued.


What is the profitability of SHFS stock?

SHF HOLDINGS INC (SHFS) has a profitability rating of 0 / 10.


What is the financial health of SHF HOLDINGS INC (SHFS) stock?

The financial health rating of SHF HOLDINGS INC (SHFS) is 6 / 10.