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SHF HOLDINGS INC (SHFS) Stock Fundamental Analysis

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

2.55  -0.1 (-3.77%)

After market: 2.51 -0.04 (-1.57%)

Fundamental Rating

1

We assign a fundamental rating of 1 out of 10 to SHFS. SHFS was compared to 99 industry peers in the Financial Services industry. SHFS may be in some trouble as it scores bad on both profitability and health. SHFS has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year SHFS has reported negative net income.
In the past year SHFS had a positive cash flow from operations.
SHFS had negative earnings in 4 of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: SHFS reported negative operating cash flow in multiple 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

The Return On Assets of SHFS (-365.55%) is worse than 98.99% of its industry peers.
Looking at the Return On Invested Capital, with a value of 304.49%, SHFS belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
Industry RankSector Rank
ROA -365.55%
ROE N/A
ROIC 304.49%
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 Operating Margin of SHFS (13.50%) is comparable to the rest of the industry.
SHFS does not have Profit Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM 13.5%
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

2. Health

2.1 Basic Checks

SHFS has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
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

Based on the Altman-Z score of -11.31, we must say that SHFS is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of -11.31, SHFS is doing worse than 78.79% of the companies in the same industry.
SHFS has a debt to FCF ratio of 25.56. This is a negative value and a sign of low solvency as SHFS would need 25.56 years to pay back of all of its debts.
SHFS has a Debt to FCF ratio of 25.56. This is comparable to the rest of the industry: SHFS outperforms 44.44% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 25.56
Altman-Z -11.31
ROIC/WACC45.45
WACC6.7%
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 0.69. This is a bad value and indicates that SHFS is not financially healthy enough and could expect problems in meeting its short term obligations.
The Current ratio of SHFS (0.69) is comparable to the rest of the industry.
A Quick Ratio of 0.69 indicates that SHFS may have some problems paying its short term obligations.
SHFS has a Quick ratio of 0.69. This is comparable to the rest of the industry: SHFS outperforms 41.41% of its industry peers.
Industry RankSector Rank
Current Ratio 0.69
Quick Ratio 0.69
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

The earnings per share for SHFS have decreased strongly by -4181.02% in the last year.
SHFS shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -13.20%.
EPS 1Y (TTM)-4181.02%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-40528.32%
Revenue 1Y (TTM)-13.2%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-17.99%

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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2

4. Valuation

4.1 Price/Earnings Ratio

SHFS reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
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 rather cheap when compared to the industry. SHFS is cheaper than 89.90% of the companies in the same industry.
64.65% of the companies in the same industry are more expensive than SHFS, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 16.47
EV/EBITDA 5.79
SHFS Per share dataSHFS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -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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0

5. Dividend

5.1 Amount

No dividends for SHFS!.
Industry RankSector Rank
Dividend Yield N/A

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SHF HOLDINGS INC

NASDAQ:SHFS (6/12/2025, 5:33:40 PM)

After market: 2.51 -0.04 (-1.57%)

2.55

-0.1 (-3.77%)

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 Owners22.83%
Inst Owner Change-81.32%
Ins Owners2.22%
Ins Owner Change0%
Market Cap7.09M
Analysts82.86
Price TargetN/A
Short Float %2.43%
Short Ratio0.04
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 0.47
P/FCF 16.47
P/OCF 16.47
P/B N/A
P/tB N/A
EV/EBITDA 5.79
EPS(TTM)-18.38
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.15
FCFY6.07%
OCF(TTM)0.15
OCFY6.07%
SpS5.48
BVpS-4.42
TBVpS-4.42
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -365.55%
ROE N/A
ROCE 385.43%
ROIC 304.49%
ROICexc N/A
ROICexgc N/A
OM 13.5%
PM (TTM) N/A
GM N/A
FCFM 2.82%
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-Score3
Asset Turnover1.15
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 25.56
Debt/EBITDA 3.88
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 4.93
Cash Conversion 15.55%
Profit Quality N/A
Current Ratio 0.69
Quick Ratio 0.69
Altman-Z -11.31
F-Score3
WACC6.7%
ROIC/WACC45.45
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)-4181.02%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-40528.32%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-13.2%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-17.99%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y214.37%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y141.37%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y151.74%
OCF growth 3YN/A
OCF growth 5YN/A