SHF Holdings, Inc. SHFS
Nasdaq · XNAS · stock · Finance Services
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2/9
Piotroski F — financial health
—
Altman Z″ — distress risk
—
Dividend payout · no dividend
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| 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 / equity | — | — | 1.62× | 3.70× | — |
| Current ratio | 1.88 | 0.92 | 0.98 | 0.21 | 33.63 |
| 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.