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SHF HOLDINGS INC (SHFS) Stock Fundamental Analysis

NASDAQ:SHFS - Nasdaq - US8244301029 - Common Stock - Currency: USD

0.4089  -0.02 (-4.86%)

Fundamental Rating

3

Overall SHFS gets a fundamental rating of 3 out of 10. We evaluated SHFS against 101 industry peers in the Financial Services industry. Both the profitability and financial health of SHFS have multiple concerns. SHFS has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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3

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.
SHFS Yearly Net Income VS EBIT VS OCF VS FCFSHFS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2020 2021 2022 2023 0 -10M -20M -30M

1.2 Ratios

With an excellent Return On Assets value of 8.72%, SHFS belongs to the best of the industry, outperforming 85.15% of the companies in the same industry.
SHFS has a better Return On Equity (14.82%) than 70.30% of its industry peers.
SHFS's Return On Invested Capital of 1.68% is in line compared to the rest of the industry. SHFS outperforms 45.54% of its industry peers.
Industry RankSector 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
SHFS Yearly ROA, ROE, ROICSHFS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 0 -200 -400 -600

1.3 Margins

Looking at the Profit Margin, with a value of 36.34%, SHFS belongs to the top of the industry, outperforming 85.15% of the companies in the same industry.
SHFS has a Operating Margin of 6.93%. This is in the lower half of the industry: SHFS underperforms 61.39% of its industry peers.
Industry RankSector 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
SHFS Yearly Profit, Operating, Gross MarginsSHFS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 -100 -200 -300

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3

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 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.
SHFS Yearly Shares OutstandingSHFS Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 10M 20M 30M 40M 50M
SHFS Yearly Total Debt VS Total AssetsSHFS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2021 2022 2023 20M 40M 60M 80M 100M

2.2 Solvency

SHFS has an Altman-Z score of -0.68. 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 -0.68, SHFS is not doing good in the industry: 70.30% 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's Debt to FCF ratio of 4.53 is fine compared to the rest of the industry. SHFS outperforms 66.34% of its industry peers.
SHFS has a Debt/Equity ratio of 0.22. This is a healthy value indicating a solid balance between debt and equity.
SHFS's Debt to Equity ratio of 0.22 is fine compared to the rest of the industry. SHFS outperforms 65.35% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 4.53
Altman-Z -0.68
ROIC/WACC0.13
WACC13.34%
SHFS Yearly LT Debt VS Equity VS FCFSHFS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2021 2022 2023 0 20M 40M 60M 80M 100M

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 in line compared to the rest of the industry. SHFS outperforms 40.59% 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 comparable to the rest of the industry: SHFS outperforms 40.59% of its industry peers.
Industry RankSector Rank
Current Ratio 0.83
Quick Ratio 0.83
SHFS Yearly Current Assets VS Current LiabilitesSHFS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 10M 20M 30M 40M

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1

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 104.49% over the past year.
Looking at the last year, SHFS shows a decrease in Revenue. The Revenue has decreased by -3.69% in the last year.
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.
SHFS Yearly Revenue VS EstimatesSHFS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 5M 10M 15M
SHFS Yearly EPS VS EstimatesSHFS Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023

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5

4. Valuation

4.1 Price/Earnings Ratio

SHFS is valuated cheaply with a Price/Earnings ratio of 3.72.
Based on the Price/Earnings ratio, SHFS is valued cheaper than 97.03% of the companies in the same industry.
SHFS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.20.
Industry RankSector Rank
PE 3.72
Fwd PE N/A
SHFS Price Earnings VS Forward Price EarningsSHFS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, SHFS is valued a bit cheaper than 63.37% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of SHFS indicates a rather cheap valuation: SHFS is cheaper than 82.18% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.76
EV/EBITDA 15.3
SHFS Per share dataSHFS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.2 0.4 0.6

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for SHFS!.
Industry RankSector Rank
Dividend Yield N/A

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SHF HOLDINGS INC

NASDAQ:SHFS (2/11/2025, 12:11:37 PM)

0.4089

-0.02 (-4.86%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-12 2024-11-12/amc
Earnings (Next)N/A N/A
Inst Owners18.89%
Inst Owner Change-24.09%
Ins Owners2.02%
Ins Owner Change0%
Market Cap22.76M
Analysts82.86
Price TargetN/A
Short Float %0.31%
Short Ratio0.38
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/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 RankSector 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 15.3
EPS(TTM)0.11
EY26.9%
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 RankSector 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 RankSector 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 -0.68
F-Score7
WACC13.34%
ROIC/WACC0.13
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