SHF HOLDINGS INC (SHFS) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:SHFS - US8244303009 - Common Stock

1.1 USD

+0.06 (+5.77%)

Last: 1/27/2026, 1:36:59 PM

Fundamental Rating

SHFS gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 97 industry peers in the Financial Services industry. The financial health of SHFS is average, but there are quite some concerns on its profitability. SHFS has a expensive valuation and it also scores bad on growth.

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1. Profitability

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.
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.

1.2 Ratios

With a Return On Assets value of -385.89%, SHFS is not doing good in the industry: 96.91% of the companies in the same industry are doing better.
SHFS has a Return On Equity of -753.64%. This is amonst the worse of the industry: SHFS underperforms 93.81% of its industry peers.

		Industry Rank	Sector 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

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 Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.
Compared to 1 year ago, SHFS has less shares outstanding
Compared to 1 year ago, SHFS has a worse debt to assets ratio.

2.2 Solvency

SHFS has an Altman-Z score of -11.64. This is a bad value and indicates that SHFS is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of -11.64, SHFS is doing worse than 77.32% of the companies in the same industry.
SHFS has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Altman-Z	-11.64

ROIC/WACCN/A

WACC5.32%

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 78.35% of its industry peers.
A Quick Ratio of 2.08 indicates that SHFS has no problem at all paying its short term obligations.
With a decent Quick ratio value of 2.08, SHFS is doing good in the industry, outperforming 79.38% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	2.08
Quick Ratio	2.08

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for SHFS have decreased strongly by -1008.39% in the last year.
The Revenue for SHFS has decreased by -42.15% in the past year. This is quite bad

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.