Stocktoria

SHF Holdings, Inc. SHFS

Nasdaq · XNAS · stock · Finance Services
Chart by TradingView
2/9
Piotroski F — financial health
Altman Z″ — distress risk
Dividend payout · no dividend

Financials & ratios (annual, from 10-K)

MetricFY2025FY2024FY2023FY2022FY2021
Financials
Revenue$7.7M$15.2M$17.6M$9.5M$7.0M
Operating income-$5.4M-$7.1M-$20.7M-$2.2M$3.3M
Net income-$2.2M-$48.3M-$17.3M-$35.1M$3.3M
Operating cash flow-$3.4M$430,477-$832,144$1.7M$2.9M
Free cash flow-$1.0M$1.7M$2.9M
Total assets$17.2M$13.2M$67.9M$99.5M$7.5M
Total liabilities$9.0M$25.5M$33.5M$94.3M$181,505
Shareholders' equity$8.2M-$12.3M$34.4M$5.1M$7.3M
Ratios
Operating margin-70.4%-46.5%-118.0%-23.2%46.9%
Net margin-28.2%-317.0%-98.4%-370.6%46.9%
FCF margin-5.9%17.7%42.0%
Return on assets-12.6%-365.6%-25.5%-35.3%43.7%
Return on equity-26.2%393.2%-50.3%-687.0%44.8%
Debt / equity1.62×3.70×
Current ratio1.880.920.980.2133.63
Revenue growth-49.7%-13.2%85.3%35.3%

Why these scores methodology →

Piotroski F-score: 2/9

  • Positive return on assets
  • Positive operating cash flow
  • Rising ROA
  • Cash flow exceeds net income
  • Lower long-term debt
  • Rising current ratio
  • No share dilution
  • Rising gross margin
  • Rising asset turnover

Altman Z″: n/a

Not applicable (financials/insurer or missing inputs).

Sector peers

IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →

Source: SEC EDGAR filings · CIK 0001854963 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.