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SHF HOLDINGS INC (SHFS) Stock Fundamental Analysis

USA - NASDAQ:SHFS - US8244303009 - Common Stock

2.39 USD
+0.01 (+0.42%)
Last: 11/7/2025, 8:17:29 PM
2.4 USD
+0.01 (+0.42%)
After Hours: 11/7/2025, 8:17:29 PM
Fundamental Rating

0

Overall SHFS gets a fundamental rating of 0 out of 10. We evaluated SHFS against 98 industry peers in the Financial Services industry. Both the profitability and financial health of SHFS have multiple concerns. SHFS has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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1. Profitability

1.1 Basic Checks

In the past year SHFS has reported negative net income.
In the past year SHFS has reported a negative 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

SHFS has a Return On Assets of -882.45%. This is amonst the worse of the industry: SHFS underperforms 97.96% of its industry peers.
Industry RankSector Rank
ROA -882.45%
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

SHFS does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
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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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.
Compared to 1 year ago, SHFS has a worse debt to assets ratio.
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 -28.84, we must say that SHFS is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of -28.84, SHFS is not doing good in the industry: 80.61% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Altman-Z -28.84
ROIC/WACCN/A
WACC4.82%
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

A Current Ratio of 0.40 indicates that SHFS may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.40, SHFS is doing worse than 66.33% of the companies in the same industry.
A Quick Ratio of 0.40 indicates that SHFS may have some problems paying its short term obligations.
SHFS's Quick ratio of 0.40 is on the low side compared to the rest of the industry. SHFS is outperformed by 66.33% of its industry peers.
Industry RankSector Rank
Current Ratio 0.4
Quick Ratio 0.4
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 -1236.95%.
Looking at the last year, SHFS shows a very negative growth in Revenue. The Revenue has decreased by -35.31% in the last year.
EPS 1Y (TTM)-1236.95%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-199.79%
Revenue 1Y (TTM)-35.31%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-54.3%

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

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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

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

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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 (11/7/2025, 8:17:29 PM)

After market: 2.4 +0.01 (+0.42%)

2.39

+0.01 (+0.42%)

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 Owners17.19%
Inst Owner Change-0.05%
Ins Owners2.64%
Ins Owner Change0%
Market Cap6.98M
Revenue(TTM)10.93M
Net Income(TTM)-52.55M
Analysts82.86
Price TargetN/A
Short Float %3.45%
Short Ratio0.03
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 0.64
P/FCF N/A
P/OCF N/A
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-18.87
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-1.4
FCFYN/A
OCF(TTM)-1.4
OCFYN/A
SpS3.74
BVpS-6.12
TBVpS-6.12
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -882.45%
ROE N/A
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-Score2
Asset Turnover1.84
Health
Industry RankSector Rank
Debt/Equity N/A
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 0.4
Quick Ratio 0.4
Altman-Z -28.84
F-Score2
WACC4.82%
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)-1236.95%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-199.79%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-35.31%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-54.3%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-169.34%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-475.97%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-734.57%
OCF growth 3YN/A
OCF growth 5YN/A

SHF HOLDINGS INC / SHFS FAQ

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

ChartMill assigns a fundamental rating of 0 / 10 to SHFS.


What is the valuation status of SHF HOLDINGS INC (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.