Reading the annual reports…
First time this company is opened: we are analysing its official reports. This can take up to a minute; after that the page loads instantly.
First time this company is opened: we are analysing its official reports. This can take up to a minute; after that the page loads instantly.
SHFS · Nasdaq · United States · Finance Services
In shortSHF Holdings, Inc. is loss-making.
Financial health
Weak
Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.
| Operating marginShare of each sale left after running the business, before interest and tax. | -70.4% | 0/100 |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | -28.2% | 0/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | – | n/a |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | -44.5% | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | – | n/a |
| Years with positive free cash flow (last 5) | 3 of 5 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | 1 of 5 | 20/100 |
|---|---|---|
| Years of revenue decline (last 5) | 2 of 4 | 17/100 |
| Revenue growth volatility | 58.7% | 0/100 |
| Operating margin volatility | 61.0% | 0/100 |
Weight in the score: 20%
| Revenue growth, 3-year average | -6.8% | 0/100 |
|---|---|---|
| EPS growth, 3-year average | – | n/a |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 7 | 9.5 | 18 | 15 | 7.7 |
| Operating income | 3.3 | (2.2) | (21) | (7.1) | (5.4) |
| Interest expense | – | 0.7 | 1.1 | 0.5 | 0.5 |
| Pre-tax income | 3.3 | (44) | (19) | (4.5) | (2.2) |
| Income tax | – | (9.3) | (1.8) | 44 | (0.1) |
| Net income | 3.3 | (35) | (17) | (48) | (2.2) |
| Diluted EPS | – | −$1.85 | −$8.12 | −$17.43 | −$0.82 |
| Diluted shares (millions) | – | 19 | 2.1 | 2.8 | 2.9 |
Not computed: the model does not apply to banks and insurers.
3/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Jun 30, 2026 · Data updated Aug 7, 2026