SHF HOLDINGS INC (SHFS)
US8244301029 - Common Stock
Taking everything into account, SHFS scores 2 out of 10 in our fundamental rating. SHFS was compared to 99 industry peers in the Financial Services industry. SHFS has a bad profitability rating. Also its financial health evaluation is rather negative. SHFS has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
SHFS had positive earnings in the past year.
SHFS had a positive operating cash flow in the past year.
1.2 Ratios
Looking at the Return On Assets, with a value of 8.72%, SHFS belongs to the top of the industry, outperforming 84.85% of the companies in the same industry.
SHFS has a better Return On Equity (14.82%) than 69.70% of its industry peers.
With a Return On Invested Capital value of 1.68%, SHFS perfoms like the industry average, outperforming 44.44% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.72% | ||
| ROE | 14.82% | ||
| ROIC | 1.68% |
ROA(3y)-19.93%
ROA(5y)N/A
ROE(3y)-246%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
SHFS has a Profit Margin of 36.34%. This is amongst the best in the industry. SHFS outperforms 84.85% of its industry peers.
SHFS has a Operating Margin of 6.93%. This is in the lower half of the industry: SHFS underperforms 62.63% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.93% | ||
| PM (TTM) | 36.34% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so SHFS is destroying value.
SHFS has more shares outstanding than it did 1 year ago.
The debt/assets ratio for SHFS is higher compared to a year ago.
2.2 Solvency
SHFS has an Altman-Z score of -0.70. This is a bad value and indicates that SHFS is not financially healthy and even has some risk of bankruptcy.
With a Altman-Z score value of -0.70, SHFS is not doing good in the industry: 73.74% of the companies in the same industry are doing better.
The Debt to FCF ratio of SHFS is 4.53, which is a neutral value as it means it would take SHFS, 4.53 years of fcf income to pay off all of its debts.
SHFS has a Debt to FCF ratio of 4.53. This is in the better half of the industry: SHFS outperforms 63.64% of its industry peers.
A Debt/Equity ratio of 0.22 indicates that SHFS is not too dependend on debt financing.
The Debt to Equity ratio of SHFS (0.22) is better than 63.64% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 4.53 | ||
| Altman-Z | -0.7 |
ROIC/WACC0.21
WACC8.05%
2.3 Liquidity
A Current Ratio of 0.83 indicates that SHFS may have some problems paying its short term obligations.
SHFS's Current ratio of 0.83 is on the low side compared to the rest of the industry. SHFS is outperformed by 60.61% of its industry peers.
A Quick Ratio of 0.83 indicates that SHFS may have some problems paying its short term obligations.
SHFS has a Quick ratio of 0.83. This is in the lower half of the industry: SHFS underperforms 60.61% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.83 | ||
| Quick Ratio | 0.83 |
3. Growth
3.1 Past
SHFS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 104.49%, which is quite impressive.
SHFS shows a decrease in Revenue. In the last year, the revenue decreased by -3.69%.
EPS 1Y (TTM)104.49%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%150%
Revenue 1Y (TTM)-3.69%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-19.63%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 3.72 indicates a rather cheap valuation of SHFS.
Compared to the rest of the industry, the Price/Earnings ratio of SHFS indicates a rather cheap valuation: SHFS is cheaper than 98.99% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.34, SHFS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.72 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, SHFS is valued a bit cheaper than the industry average as 60.61% of the companies are valued more expensively.
81.82% of the companies in the same industry are more expensive than SHFS, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.76 | ||
| EV/EBITDA | 14.7 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
SHFS does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
SHF HOLDINGS INC
NASDAQ:SHFS (1/8/2025, 8:00:01 PM)
After market: 0.3801 -0.03 (-7.07%)0.409
+0.03 (+8.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners18.89%
Inst Owner Change0%
Ins Owners2.02%
Ins Owner Change0%
Market Cap22.77M
Analysts82.86
Price Target1.53 (274.08%)
Short Float %0.25%
Short Ratio0.51
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.72 | ||
| Fwd PE | N/A | ||
| P/S | 1.42 | ||
| P/FCF | 8.76 | ||
| P/OCF | 8.76 | ||
| P/B | 0.58 | ||
| P/tB | 0.76 | ||
| EV/EBITDA | 14.7 |
EPS(TTM)0.11
EY26.89%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.05
FCFY11.42%
OCF(TTM)0.05
OCFY11.42%
SpS0.29
BVpS0.71
TBVpS0.54
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.72% | ||
| ROE | 14.82% | ||
| ROCE | 2.13% | ||
| ROIC | 1.68% | ||
| ROICexc | 1.9% | ||
| ROICexgc | 2.37% | ||
| OM | 6.93% | ||
| PM (TTM) | 36.34% | ||
| GM | N/A | ||
| FCFM | 16.2% |
ROA(3y)-19.93%
ROA(5y)N/A
ROE(3y)-246%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.24
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 4.53 | ||
| Debt/EBITDA | 4.44 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 133.32% | ||
| Profit Quality | 44.59% | ||
| Current Ratio | 0.83 | ||
| Quick Ratio | 0.83 | ||
| Altman-Z | -0.7 |
F-Score7
WACC8.05%
ROIC/WACC0.21
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)104.49%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%150%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-3.69%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-19.63%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y118.63%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y38.3%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y37.56%
OCF growth 3YN/A
OCF growth 5YN/A