SHF Holdings (SHFS) Stock Price, Financials & Analysis

Key Stats

Market Cap16,454.05

P/E0.00

FCF (Yr)-3.42 Mn

ROA (Yr)-14.21

EV to EBIT3.94

Net Income (Yr)-2.16 Mn

Enterprise Value-20.72 Mn

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About

SHF Holdings Inc is based in Golden Colorado and was founded in 2015 by Partner Colorado Credit Union to provide compliant banking and lending services to cannabis related businesses. The company offers compliance and loan origination services to financial institutions that wish to serve the legal cannabis hemp and related industries. Its proprietary technology platform operates across 41 states and territories and enables banks and credit unions to offer business checking savings accounts cash management commercial lending ACH and wire payments to cannabis related customers. Core service offerings include regulatory compliance consulting and technology cannabis related deposit services and lending services.

The company generates revenue primarily through fees charged for onboarding cannabis related businesses through its financial institution partners. It also earns monthly deposit and account activity fees based on business type account size and transaction volume. Additionally the company receives a share of loan program income from loans originated by its partner credit union under the Second Amended Commercial Alliance Agreement. Investment income earned when partner institutions invest cannabis related deposits in low risk assets also contributes to revenue. Licensing of its compliance platform to other financial institutions and merchant service fees provide further income streams.

SHF Holdings Inc positions itself as a leading compliance driven financial services platform for the United States cannabis industry. The company differentiates itself through more than ten years of operational experience a zero lending failure history and strong relationships with state and federal banking regulators. Its proprietary platform has facilitated approximately thirty five point four billion dollars in cannabis related deposit activity since inception and has supported partners through more than twenty five state and federal banking examinations. Competitors include software as a service compliance providers and integrated fintech companies that bundle compliance with broader financial services but SHF Holdings Inc cites its comprehensive suite of services deep cannabis domain expertise and proven regulatory track record as key advantages.

The company serves financial institutions such as banks and credit unions that seek to offer compliant banking services to cannabis related businesses. Its primary partner is Partner Colorado Credit Union which holds the majority of cannabis related deposit accounts processed through the platform. While other financial institution relationships exist the filing does not disclose additional specific names. Ultimately the cannabis related businesses including cultivators processors manufacturers dispensaries and multi state operators benefit indirectly from the services provided to the partner institutions.

How SHF Holdings ranks

Ranked against the 173 companies in Lending and Credit58 metrics · as of Nov 6, 2026

Valuation

12 metrics · Lower multiples rank higher; a negative multiple ranks last

P/ENegative earnings 0.00xMedian 11.9x 1^st
P/FCFNegative free cash flow −0.01xMedian 5.40x 1^st
P/Operating cash flowNegative operating cash flow −0.01xMedian 5.31x 1^st
P/S 0.00xMedian 2.72x 99^th
P/B 0.01xMedian 0.70x 99^th
P/Tangible book 0.01xMedian 0.73x 99^th
EV/EBITDA —Median 12.1x No data —
EV/EBITNet cash exceeds market value 1.08xMedian 13.4x Not meaningful —
EV/RevenueNet cash exceeds market value −0.73xMedian 5.80x Not meaningful —
EV/FCFNet cash exceeds market value 1.28xMedian 10.6x Not meaningful —
EV/Operating cash flowNet cash exceeds market value 1.28xMedian 10.6x Not meaningful —
PEG (3Y EPS CAGR) —Median 0.34 No data —

Growth

14 metrics · Year-on-year growth and three-year compound annual growth

Revenue growth (1Y) −28.6%Median 2.7% 11^th
Revenue CAGR (3Y) —Median 5.1% No data —
Gross profit growth (1Y) —Median 13.7% No data —
Gross profit CAGR (3Y) —Median 11.8% No data —
Operating income growth (1Y) 50.7%Median 11.0% 69^th
Operating income CAGR (3Y) —Median 22.3% No data —
Net income growth (1Y) 93.0%Median −8.7% 85^th
Net income CAGR (3Y) —Median 1.3% No data —
EPS growth (1Y) 96.2%Median −13.9% 84^th
EPS CAGR (3Y) —Median −0.9% No data —
Operating cash flow growth (1Y) −8.5%Median 17.3% 35^th
Operating cash flow CAGR (3Y) —Median 5.5% No data —
Free cash flow growth (1Y) −8.5%Median 15.3% 37^th
Free cash flow CAGR (3Y) —Median 5.9% No data —

Profitability

14 metrics · Margins, returns on capital and the quality of earnings

Gross margin —Median 49.9% No data —
EBITDA margin —Median 27.0% No data —
Operating margin −67.4%Median 5.5% 21^st
Pretax margin −47.3%Median 11.1% 20^th
Net margin −64.1%Median 7.1% 14^th
FCF margin −56.8%Median 19.1% 19^th
Operating cash flow margin −56.8%Median 26.6% 19^th
Return on equity −57.6%Median 5.1% 6^th
Return on assets −24.8%Median 0.4% 11^th
Return on invested capital —Median 6.5% No data —
Return on capital employed −60.4%Median 1.2% 9^th
Asset turnover 0.52xMedian 0.10x 93^rd
Cash conversion (OCF / net income)Net income is not positive 1.20xMedian 1.41x Not meaningful —
Stock comp / revenue 17.1%Median 2.8% 13^th

Financial Health

11 metrics · Leverage, liquidity and solvency; less debt ranks higher

Debt / assets —Median 38.6% No data —
Debt / equity —Median 1.11x No data —
Net debt / EBITDA —Median 3.46x No data —
Debt / FCF —Median 5.11x No data —
Liabilities / assets 56.9%Median 66.4% 67^th
Equity / assets 43.1%Median 33.6% 67^th
Interest coverage —Median 1.22x No data —
Current ratio 1.76xMedian 1.28x 63^rd
Quick ratio 1.12xMedian 0.47x 59^th
Cash ratio 0.92xMedian 0.43x 65^th
Altman Z-score −12.8Median 0.76 17^th

S.No.	Ticker	Company	Market Cap	P/E	P/S	Total Debt (Qtr)
1	RKT	Rocket Companies, Inc.	43.06 Bn	33.02	3.76	24.90 Bn
2	IX	Orix Corp	38.63 Bn	9.63	0.70	38.96 Bn
3	RPRX	Royalty Pharma plc	30.58 Bn	45.48	11.69	8.59 Bn
4	FNMA	Federal National Mortgage Association Fannie Mae	26.34 Bn	21.01	0.87	4,169.25 Bn
5	RGLD	Royal Gold Inc	23.63 Bn	32.02	15.27	0.40 Bn
6	AFRM	Affirm Holdings, Inc.	23.46 Bn	11.65	5.11	2.90 Bn
7	SYF	Synchrony Financial	23.34 Bn	7.20	1.21	8.11 Bn
8	SHFS	SHF Holdings, Inc.	0.00 Bn	0.00	0.00	-

S.No.

Ticker

Company

Market Cap

P/E

P/S

Total Debt (Qtr)

RKT

Rocket Companies, Inc.

43.06 Bn

33.02

3.76

24.90 Bn

Orix Corp

38.63 Bn

9.63

0.70

38.96 Bn

RPRX

Royalty Pharma plc

30.58 Bn

45.48

11.69

8.59 Bn

FNMA

Federal National Mortgage Association Fannie Mae

26.34 Bn

21.01

0.87

4,169.25 Bn

RGLD

Royal Gold Inc

23.63 Bn

32.02

15.27

0.40 Bn

AFRM

Affirm Holdings, Inc.

23.46 Bn

11.65

5.11

2.90 Bn

SYF

Synchrony Financial

23.34 Bn

7.20

1.21

8.11 Bn

SHFS

SHF Holdings, Inc.

0.00 Bn

0.00

SHF Holdings SHFS

About

Location, Statement of Income, Balance Breakdown of Revenue (2025)

How SHF Holdings ranks

Valuation

Growth

Profitability

Financial Health

Shareholder Returns

Peer Comparison

SHF Holdings SHFS

About

Location, Statement of Income, Balance Breakdown of Revenue (2025)

How SHF Holdings ranks

Valuation

Growth

Profitability

Financial Health

Shareholder Returns

Peer Comparison

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