SHF Holdings Inc
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SHF Holdings Inc AI Insights
Informational only. Not investment advice.Snapshot
- Revenue collapsed 76% YoY (TTM 9.5M) with 3Y CAGR of -30% - business in structural decline, not cyclical downturn.[Total Revenue 1Y Growth]
- Net loss of 53.2M TTM on 9.5M revenue - burning 5.6x annual sales. Cash at 862K covers ~2 months at current burn.[Net Income TTM]
- Trading at 0.67x book value (7M equity) but P/S of 0.49x masks 560% negative net margin TTM.[P/B Ratio]
Watch Triggers
- Cash and Equivalents: Falls below 500K or capital raise announced — At 862K with -5.1M annual burn, dilutive raise or bankruptcy imminent
- Total Revenue TTM: Quarterly revenue stabilizes above 3M — Would signal potential business turnaround vs terminal decline
- G&A Expense: Drops below 1.5M quarterly — Cost cuts essential - current 2.6M G&A unsustainable on 9.5M revenue
Bull Case
Book value of 7M vs 4.7M market cap (0.67x P/B) offers asset-based floor if liquidation proceeds exceed liabilities.
Low debt (0.11x D/E, 753K total) preserves optionality for rescue financing or M&A.
Bear Case
Cash runway of ~2 months at current burn rate (-5.1M FCF TTM) with no clear path to profitability.
Revenue down 76% YoY and 30% 3Y CAGR suggests business model failure, not temporary headwinds.
Bull vs Bear Balance
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Forward Thesis
Liquidity crisis likely within 6 months without capital raise or strategic transaction
- Cash of 862K vs FCF burn of -5.1M TTM
- Revenue declining 76% YoY limits organic recovery
- G&A of 2.6M alone exceeds quarterly revenue run-rate
Valuation Context
Caveats
Public Strategies Rankings
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SHFS Fundamentals
| Metric | Value | YoY Growth | Industry Percentile |
|---|---|---|---|
$2.49M | — | ||
$2.38M | — | ||
0.00 | — | ||
$9.51M | -57.2% | — | |
$-19.20 | — | ||
0% | — | ||
-560% | -586.0% | — | |
$-5.13M | — | ||
-230% | -247.3% | — | |
Beta 5Y (Monthly) | unknown | — |
SHFS Dividend History
SHFS Stock Splits
SHFS SEC Filings
| Filing Date | Report Date | Report Type | Filing Link |
|---|---|---|---|
11/12/25 | 09/30/25 | 10-Q | |
08/14/25 | 06/30/25 | 10-Q | |
08/14/25 | 03/31/25 | 10-Q/A | |
05/21/25 | 03/31/25 | 10-Q | |
04/10/25 | 12/31/24 | Unknown | |
11/12/24 | 09/30/24 | 10-Q | |
08/14/24 | 06/30/24 | 10-Q | |
05/13/24 | 03/31/24 | 10-Q | |
08/14/25 | 03/31/24 | 10-Q/A | |
04/01/24 | 12/31/23 | 10-K | |
11/14/23 | 09/30/23 | 10-Q | |
08/14/23 | 06/30/23 | 10-Q | |
05/15/23 | 03/31/23 | 10-Q | |
04/14/23 | 12/31/22 | 10-K | |
11/14/22 | 09/30/22 | 10-Q | |
08/14/23 | 06/30/22 | 10-Q | |
06/10/22 | 03/31/22 | DEFM14A | |
06/10/22 | 12/31/21 | DEFM14A | |
11/14/22 | 09/30/21 | 10-Q | |
06/10/22 | 03/31/21 | DEFM14A |